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Employee Benefits

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Employee Assistance Programme

Banish blue Mondays all year round with Employee Assistance...

It’s not surprising that many of us find ourselves feeling a bit flat in January, like a glass of prosecco with the fizz gone out of it. The parties are over, the decorations are down, it’s back to work, back to reality, and the miserable weather and thud of credit card bills landing on the doormat do little to lift spirits.Things aren’t helped either by the fact that since 2005, the third Monday of January has come to be designated ‘Blue Monday’, after psychologist Dr Cliff Arnall produced an equation identifying it as the most depressing day of the year. Even though Arnall’s equation was revealed to be a PR stunt, and there’s no scientific evidence that this year’s Blue Monday (15th January) will be different to any other day, there’s no doubt that at this time of year generally, people are especially susceptible to feeling down. The cold dark days of mid-winter can affect health and mood; in the workplace, the busy pre-Christmas period can put extra pressure on managers and staff; while at home, the holiday season can exacerbate relationship issues and concerns over money. Of course, the reality is that life can throw up all kinds of challenges at any time. But with Gemelli’s Employee Assistance Programme (EAP), free support and advice is available for a wide range of practical and emotional issues all year round.

How the Gemelli Employee Assistance Programme Works

Our employer-paid benefit is a highly cost-effective way for employers to help their staff deal with virtually any problem they might find themselves facing at home or at work. By giving staff access to a telephone service they can call 24/7 to get free, impartial advice and counselling on issues in strictest confidence, this benefit helps to maintain and improve workforce health, well-being and productivity. Areas covered by our EAP include:

Emotional well-being ~ Managing stress ~ Anxiety & depression ~ Disability & illness ~ Substance & alcohol misuse ~ Addictions & compulsive behaviours ~ Personal development

Work-life balance ~ Bullying & harassment ~ Workplace pressure ~ Managing change ~ Workplace relationships ~ Careers

Family & Relationships
Childcare ~ Education ~ Elder care ~ Juggling work & family life ~ Caring for others ~ Domestic violence or abuse

Daily Living
Consumer rights ~ Health & wellness ~ Debt & money management ~ Relocation ~ Community resources

Life Events
Pregnancy & new baby ~ Adoption ~ Marriage & cohabitation ~ Separation & divorce ~ Moving home ~ Bereavement & loss ~ Retirement

These are just some of the areas covered – employees can contact their EAP for support on anything that matters to them. While all information is treated in strictest confidence, our EAP can also supplement an organisation’s HR function, providing invaluable generic data to inform management where action or training may be required.

Benefits to Employees

Supports emotional wellbeing
Provides practical, legal & financial advice on a wide range of issues
Helps prevent work related stress
Access to confidential telephone counselling 24/7

Benefits to Employers

Low premiums
No minimum numbers required
Demonstrates a commitment to employee wellbeing
Contributes to a healthier, happier workplace
Reduces absenteeism & increases productivity
Highlights trends, issues & overall stress levels within a company

Support employees through life’s challenges – call us today...

Introducing our Employee Assistance Programme into your organisation will help your team deal with life’s challenges, reducing stress and worry, and increasing motivation and productivity. To discuss the scheme in more detail with one of our experts, get in touch with us today on 01280 851113, or email us.


My Staff Shop

Cut the cost of Christmas shopping...
We all love Christmas, but there’s no doubt that the cost of the festive season puts extra pressure on household budgets. For many families, it can result in a financial hangover that lasts well into the New Year. This Christmas, according to a recent survey, every British adult will spend an average of £244 each on gifts, and British families will spend an average of £821.25 on gifts, food, drink and decorations! But there is a way to cut the cost of Christmas shopping – and reduce year-round spending on everything else too. My Staff Shop opens the door to exclusive benefits, discounts and savings on necessities and indulgences, helping to make salary go further.

How My Staff Shop works
My Staff Shop is a membership-based retail discount scheme that employers can sign staff up to for a small monthly fee. At the heart of the scheme is the My Staff Shop website. The first place for members to visit ahead of shopping for anything online or on the high street, the website is packed with ways to save, and is updated daily with the latest deals and special offers. Members get their own login and personal online account, and the website can be branded with their employer’s logo.

Save on Shopping - My Staff Shop members can save up to 7% when they shop with hundreds of participating retailers.

Food & Groceries - Save when you shop with retailers including Asda, Iceland, Morrisons, Tesco, M&S, Sainsbury’s & Waitrose.

Fashion - Save when you shop with retailers including M&S, Sainsbury’s, Abercrombie & Fitch, Agent Provocateur, AllSaints, Burton, Debenhams, Crew Clothing, Dorothy Perkins, Fat Face, Hobbs, Hollister, House of Fraser, Jack Wills, John Lewis, Karen Miller, Mango, Matalan, Monsoon, New Look, Next, Nike, Office, Paul Smith, Shuh, Topman & Topshop.

Electronics - Save when you shop with retailers including Amazon, Apple, Argos, Boots, Carphone Warehouse, Currys, John Lewis, Maplin, PC World & Richer Sounds

Holidays & Short Breaks - Discounts on package holidays, flights, hotels, car hire and other travel-related products and services.

Health & Fitness - Discounts on gym membership, eye care, health screening and many other deals to help you stay healthy and fit.

Dining Out & Days Out - Discounts on food and drink at thousands of restaurants, pubs and cafes, on entry to National Trust venues, theatre tickets and more.

Exclusive Daily Offers - The My Staff Shop website is updated with exclusive, member-only offers every day.

Plus, Free Employee Assistance Programme - Membership of My Staff Shop includes free, 24 /7 telephone assistance for help and advice on stress, legal issues and debt counselling. This Freephone service is available to immediate family too, and there’s no limit on how many times it can be used.

Benefits to Employers

Enhances employees’ pay at minimal cost.
Strengthens workforce engagement & loyalty.
Helps recruit, motivate & retain staff.
Employee Assistance Programme.
Requires no minimum numbers & no administration.
Website can be branded to your company.

Benefits to Employees

Up to 7% savings in-store & online at a wide range of retailers.
Exclusive member-only deals every day.
Big savings on eating out, days out, holidays, gym membership & more.
Free access to Employee Assistance Programme for all the family.

Arrange a demo or find out more...
To arrange a demonstration of My Staff Shop, find out more about how this highly cost-effective employee benefit can be tailored to your business, and how it can help your staff make their money go further, call us now on 01280 851113, or email us.

Holiday Exchange

Extra Holiday when it’s needed with our Holiday Exchange Scheme
Employers are increasingly recognising the benefits of offering staff more flexible ways of working, to help them balance the responsibilities of work with the demands of home, family – and life generally. Solutions like flexi-time and home-working are commonplace, addressing the fact that one size no longer fits all, allowing staff to fit their life around their work – and creating a more productive and loyal team at the same time. But what about the traditional fixed annual holiday allowance? For any number of planned or unexpected reasons, an employee’s personal leave requirements can change from year to year, with the result that, from time to time, their contracted holiday allowance may not be sufficient for their needs. The Gemelli Holiday Exchange Scheme give staff increased flexibility over their holiday allowance, enabling them to exchange part of their salary for additional days if they need them. As well as helping staff manage those occasional work-life challenges, the scheme boosts workplace motivation, and both the employee and their employer save money.

How the Scheme Works
Operating on a salary exchange basis, the Gemelli Holiday Exchange Scheme gives employees the option to extend their contracted holiday allowance by using part of their salary to purchase additional days. The scheme gives employees increased flexibility to accommodate a wide range of events that would otherwise take them over their fixed holiday allowance, such as getting married, moving house, a once in a lifetime holiday, or visiting family overseas. It can also benefit employees who find they need to take time out for an unexpected reason part-way through the year, but don’t have sufficient holiday entitlement remaining to enable them to do so. Tax and National Insurance savings mean employees can reduce the cost of purchasing unpaid leave by up to47%, and can spread the cost over 12 months, while their employer saves on payroll costs and Employer’s National Insurance contributions.

Example Employee Saving
The following examples show the savings for 2 employees – one a basic rate tax payer, the other a higher rate tax payer, who opt to take an additional 5 days leave, paying for it over 12 months:

Basic Rate Tax Payer
Salary: £30K
Gross cost of leave: £574.70
Net cost of leave: £390.84
Tax and NI Savings: £184.86
Higher Rate Tax Payer
Salary: £40K
Gross cost of leave: £766.25
Net cost of leave: £444.48
Tax and NI Savings: £321.77


Benefits to Employers

Simple to introduce into businesses of any size
Can be tailored to fit a company’s holiday allowance policy and business needs
Demonstrates a commitment to flexible working, helping attract the best staff
Increases motivation levels & engenders loyalty
Contributes to reduced absenteeism
Reduces payroll costs & Employer’s National Insurance contributions

Benefits to Employees

Gives option to purchase additional holiday if needed
Increases flexibility to be able to plan for special events – or to deal with the unexpected
Save up to 47% in tax & NI when purchasing additional unpaid leave
Spread costs of buying extra days over 12 months

Find out more...
To find out more about the Gemelli Holiday Exchange Scheme and how it can benefit your business, get in touch with us today on 01280 851113 to talk with one of our employee benefit experts, or email us.

Health and Wellbeing

Gemelli Healthcare & Wellbeing Benefits

Up until a few years’ ago, if an employer provided any kind of workplace healthcare benefit for their staff, it was most likely to be private medical insurance – designed to support an employee in the event they became ill. More recently though, as employers increasingly recognise the benefits of a healthy, happy workforce, a growing number are introducing a broader range of solutions to support all aspects of their employees’ health, with wellbeing initiatives increasingly at the centre of healthcare strategies. Other factors are also helping to make workplace wellness a key priority for organisations, including a general focus on healthy living, later retirement, and awareness of mental health issues and the effects of stress.Research conducted in July 2017 among readers of provides some interesting insights into the key trends and issues shaping employee health and wellbeing strategies within organisations,

84% of respondents believe their organisation has a duty of care to encourage employees to achieve a sensible work-life balance
47% have placed a greater focus on communicating healthcare benefits over the last 12 months
44% are likely to increase the number of healthcare benefits their organisation offers over the next 12 months
38% currently have an integrated wellness strategy that incorporates physical emotional mental and financial well being
42% currently have strategies in place to reduce sickness absence
67% have specific benefits and initiatives to support employee mental health

Top reasons for providing healthcare benefits

74% - to boost overall employee wellbeing and employee engagement
72% - to be seen as employer of choice
64% - a desire to support employees
50% to reduce sickness absence
45% - because their competitors’ offer them
44% - because staff want them

Top things healthcare benefits helped employers achieve

74% - being seen as a ‘caring’ employer
68% - improving the health & welfare of staff
57% - good employee engagement
53% - getting employees back to work as soon as possible

Gemelli Benefits to Support All Aspects of Employee Health & Wellbeing

At Gemelli, we offer a diverse range of health-related benefit schemes that enable employers to create bespoke benefit packages addressing all aspects of employee health and wellbeing. Ranging from employer-paid to salary sacrifice schemes, our solutions are flexible and simple to introduce into organisations of any size, delivering outcomes that include increased productivity and reduced absenteeism.

Gemelli Health Screening Scheme

Our health screening scheme gives employees access to comprehensive health screening at significantly reduced costs. As well as helping to identify pre-existing health problems or medical conditions early, the scheme provides employees with advice and recommendations on healthy living. Health screening gives employees complete peace of mind, and contributes to a healthier workplace, reducing short-term and long-term absenteeism due to sickness.

Gemelli Health Cash Plans

Health cash plans make healthcare more affordable for employees, providing cashback for a range of everyday healthcare costs, including dental, optical, chiropody, physiotherapy, alternative therapies and specialist consultations. Employers offering cash plans create a positive differential that can aid recruitment, motivation and retention – and help reduce levels of absenteeism due to sickness and stress. Gemelli can offer plans from as little as £1.35 per employee per week, with no medical or GP referral required.

Gemelli Employee Assistance Programmes

Gemelli’s Employee Assistance Programme (EAP) enables employees (and immediate family members), to access impartial advice and counselling on work and non-work related issues in strictest confidence. Employees can access professional support and advice on a wide range of emotional problems such as relationship worries, difficulties at work, bereavement, stress, anxiety and depression, and get practical, legal and financial advice on money matters, divorce, parenting, consumer rights, career options, training, and more – helping to prevent work related stress.

Gemelli Private Medical Insurance

Employee absenteeism can have a huge impact on a business, and a Private Medical Cover scheme can avoid lengthy sickness absences and high business costs caused by staff having to wait for treatment on the NHS.  Although private health cover can’t eradicate sickness absence, it can help get employees back to work more quickly, because they won’t have to join an NHS waiting list.

Gemelli Cycle to Work Scheme

Cycle to Work is a Government initiative designed to encourage anyone living close enough to their workplace or a station, to use a bike rather than their car. Gemelli’s self-financing Cycle to Work scheme is a great way for companies to demonstrate their commitment to improving both the environment, and the health of their workforce. The scheme enables employers to help staff enjoy all the health benefits that go with cycling for less, by allowing them to exchange part of their salary to cover the cost of a brand-new bike – without having to pay Tax or National Insurance on the value.

Gemelli Gym Membership Scheme

Regular exercise can do more than just improve physical fitness; it can help to boost the immune system, reduce stress levels, and contribute to better mental health. The next best thing to giving employees access to a workplace gym is to provide them with discounted gym membership through Gemelli’s Gym Membership scheme. Simple and easy for businesses of any size to implement, it’s one of our most popular benefits, enabling employers to give their staff access to discounts of up to 20% on membership at thousands of gyms and health clubs right across the UK.

Call us Today to Discuss a Healthcare & Wellbeing Package for Your Team

Gemelli can create an employee healthcare and wellbeing benefit package that’s tailored specifically to your business. To discuss your requirements and find out more about the solutions we can offer, get in touch with us today on 01280 851113, or email us.

Save as you Learn

Gemelli’s Save as you Learn Scheme...Making Work-Related Training More Affordable

Employees undertaking training to attain a professional qualification increase their career progression prospects and earning potential; and companies encouraging workforce upskilling gain a valuable competitive advantage. But while professional training has significant advantages for both employees and their employers, the cost of courses, and the requirement to pay in advance and in full can make it inaccessible to many employees. Gemelli’s Save as you Learn scheme puts affordable training within reach of any employee looking to extend their skills and further their career. Operating on a salary exchange basis, employees can opt to exchange part of their salary to cover all (or a proportion) of the cost of their preferred training course. Employees paying for training through Save as you Learn don’t pay National Insurance on the value of their chosen course, saving them up to 12% – and instead of paying everything up front, they can spread the cost over 6 to 12 months.

How the Scheme Works

The employee identifies a course or training they want to undertake to help them do their job better, or further their prospects in the organisation. It can be online or classroom-based training, learning a language, or anything else as long as it’s relevant to their current or a future role, and is approved by their employer. Gemelli will prepare a cost / saving illustration, and once this has been approved, will issue a Salary Exchange Agreement and book the training course with the relevant provider. The cost of the training will be divided into equal payments to be deducted from the employee’s salary over a period of 6 or 12 months.

Savings Illustration

Save as you Learn
Course Cost: £1000
Cost to Employee: £880
Net Saving: £120


Benefits to Employees

- Save up to 12% on training costs
Spread training costs over 6 to12 months
Increase work-related skills & enhance promotion prospects
Achieve personal goals

Benefits to Employers

Engender a culture of professional development
Increase productivity & create competitive advantage
Demonstrate commitment to staff & increase employee engagement

Start Saving on Training Today...

To find out more about the Gemelli Save as you Learn scheme, get in touch with us today on 01280 851113 to talk with one of our employee benefit experts, or email us.

Employee Assistance

Confidential Support & Advice for Life’s Challenges...
Introducing Gemelli's Employee Assistance Programme. It’s an understatement to say that modern life can be complicated. Work, family, relationships, finances, health and much more besides, there’s a lot to juggle. Even when everything is going well, balancing all of these areas can be demanding, and it doesn’t take much to upset the equilibrium; a problem at home or at work can cause worry and stress, and can escalate quickly if not addressed. At some time or another, we’ve probably all been guilty of ignoring a problem, pasting on a false smile and telling people everything is fine, when really it’s not. Taking this approach only serves to prolong things and make them worse – either in reality, or in our perception. 

Whether an issue is work-related or personal, a good part of the solution will usually involve talking it through with someone who can offer advice and support. Depending on the nature of the problem however, finding someone who is knowledgeable and impartial may not always be easy. Gemelli’s Employee Assistance Programme ensures that access to professional, confidential support and advice on a wide range of practical and emotional issues is only ever a phone call away.

How the Scheme Works
Gemelli’s Employee Assistance Programme (EAP) is a company-paid benefit that employers can provide free of charge to staff. It enables employees – and their immediate family, to access impartial advice and counselling on work and non-work related issues in strictest confidence. 

A 24/7 telephone support line manned by highly qualified professionals provides expertise on many topics. These are just some of the areas covered – employees can contact their EAP for support on anything that matters to them. As well as helping employees, an EAP can also supplement an organisation’s HR function by highlighting prevalent trends or issues, areas of concern, and training needs.


Emotional well-being
Stress, anxiety & depression
Disability & illness
Substance & alcohol misuse
Addictions & behaviours
Personal development


Work-life balance
Bullying & harassment
Workplace pressure
Managing change
Workplace relationships

Family & Relationships

Elder care
Juggling work & family
Caring for others
Domestic abuse

Daily Living

Consumer rights
Health & wellness
Debt & money
Community resources

Life Events

Pregnancy & new baby
Marriage & cohabitation
Separation & divorce
Bereavement & loss


Benefits to Employees
Supports emotional wellbeing
Provides practical, legal & financial advice on a wide range of issues
Helps prevent work related stress
Access to confidential telephone counselling 24/7​

Benefits to Employers
Low premiums
No minimum numbers required
Demonstrates a commitment to employee wellbeing
Contributes to a healthier, happier workplace
Reduces absenteeism & increases productivity
Highlights trends, issues & overall stress levels within a company

Address the Stress – Call us Today...
A stress-free team is a happy and productive team. Get in touch with us today on 01280 851113 to discuss the Gemelli Employee Assistance Programme in more detail with one of our experts, or email us.

Gym Membership

Gemelli Gym Membership Scheme: The Next Best Thing to a Gym in the Workplace...
Taking regular exercise is central to a healthy, happy life, and the effects go much further than just improving physical fitness. As part of a consistent regime, exercise can have a positive impact on general wellbeing, helping to boost the immune system, reduce stress levels, and contribute to better mental health. By far the most convenient way for most of us to get a regular fitness fix is to join a gym. We all need a little motivational nudge when it comes to keeping fit, and a gym offers a fun, encouraging environment where we can work out with other people, join in with organised classes and get professional instruction tailored to our individual needs. In short, you’re far more likely to get the results you want by joining a gym than by going it alone.

Our Gym Membership scheme is one of our most popular benefits. Simple and easy for businesses of any size to implement, the scheme enables employers to give their staff access to discounts of up to 20% on membership at thousands of gyms and health clubs right across the UK.

How the Scheme Works
It really couldn’t be easier, and there’s no administration for employers. The business pays a small monthly fee in order for staff to be able to access a dedicated website where they can search thousands of gyms and health clubs – including national brands such as Fitness First, LA Fitness and DW Sports. Once they’ve found their preferred gym, employees use a unique code to download a voucher which entitles them to membership at the best corporate discount available. Savings can be as much as 20% at some gyms; discounts apply even if the employee is already a member, and can also be taken up by family members. What’s more, in the unlikely event that an employee’s preferred gym is not currently participating in the scheme, we’ll contact the club and invite them to register as soon as possible.

Benefits to Employees

  • Stay fit & healthy for less
  • Save up to 20% on membership at thousands of gyms & health clubs
  • Choose from local authority & independent gyms to national chains
  • Discounts also apply to immediate family
  • 24 hour customer services helpline

Benefits to Employers

  • Promotes a healthier, happier workforce
  • Helps increase productivity & reduce sickness
  • A simple, flexible scheme with broad appeal that’s easy to introduce & requires no administration
  • Positions you as a caring employer who values their staff
  • Assists in the recruitment, retention & motivation of staff
  • Requires no minimum employee numbers to operate

Ready to Witness the Fitness?
Give your employees a benefit they’ll genuinely appreciate, and get a healthier, happier, more motivated workforce. Get in touch with us today on 01280 851113 to discuss this scheme in more detail with one of our experts, or email us.

Car Benefit Scheme

Gemelli Car Benefits Scheme
What’s Shiny, Green & Guaranteed to Make Everyone Happy? A Brand New Car through Gemelli’s Car Benefit Scheme... Car ownership brings independence and convenience; the ability to go wherever you want, whenever you want to, and it’s something most of us consider to be important – even essential. Motoring comes at a price though, and variable expenses like servicing and maintenance can make it difficult to budget – with unexpected bills seemingly guaranteed to arrive at exactly the time they’re least welcome.

But there is a way you can take all the uncertainty out of car ownership, enjoying worry-free driving and substantial savings - while knowing that you’re also helping the environment. Gemelli’s Car Benefit scheme lets you drive a brand new car for a fixed monthly payment that includes all your motoring outgoings apart from fuel. 

How the Scheme Works
Gemelli’s Car Benefit Scheme has a very low cost for employers to implement, and can be introduced into companies that have just one employee, or thousands. Under the scheme, which operates on a Salary Exchange basis, employees can agree to exchange a portion of their salary for a brand new car. As well as an all-inclusive package that includes insurance, maintenance and servicing, breakdown cover and replacement tyres, drivers on the scheme also benefit from manufacturer discounts and corporate finance rates – while those opting for Ultra Low Emission Vehicles (ULEVs) with CO2 emissions of 75 and below are able to take advantage of tax and NI savings. 

As well as being a great way to help employees drive new cars, Gemelli’s Car Benefit Scheme can help a business meet its environmental objectives. All cars on the scheme have their carbon offset to make them carbon neutral, and additionally, employers can select to introduce a CO2 emissions limit for cars in their fleet, so that at the same time as providing a highly valued employee benefit, a company can reduce its carbon footprint.

How Employees Benefit

  • An affordable way to drive a new car
  • Fixed monthly price covers all your motoring costs – just add fuel
  • Tax & NI savings for drivers choosing ULEVs
  • No credit check or deposit required

How Employers Benefit

  • No minimum employee numbers required
  • Scheme is fully outsourced & easy to implement
  • NIC savings on ULEVs
  • Helps to attract, engage, retain & motivate staff
  • No financial risk or liability – protection against staff going on maternity or sick leave, leaving their job or being made redundant
  • Supports your company’s environmental credentials by promoting the use of low emission cars & allowing you to set your own CO2 cap

Example Costs and Savings

Audi A3 Sportback
SE 1.6 TDI Manual
Mileage 10,000 10,000
Term 36 36
Deposit/Initial Payment £0 £3000
APR% 0% 6.3%
Net Monthly Cost £362.89 £248.88
Net Monthly Amount
including deposit
£362.89 £332.21
Insurance/ month Included £41.58
Road Tax/ month Included £15.00
Depreciation n/a n/a
Breakdown Cover/ month Included £4.17
Tyres Included £11.42
Service (parts & labour)/ month Included £36.17
End of Agreement Optional price
to purchase
Net monthly amount £362.89 £440.55


Put Yourself in the Driving Seat
If you’d like to give your staff the option to drive a brand new car and save money on their motoring costs, create a happier, more motivated workforce, and reduce your company’s carbon footprint – all at no extra cost to your business – contact us today on 01280 851113 to discuss this scheme in more detail with one of our experts, or email us.

Salary Exchange Changes

Rule Changes to Salary Exchange Schemes, Your Questions Answered.

In his Autumn Statement, Chancellor Philip Hammond announced the government’s intention to make changes to rules on the way that some salary exchange schemes are taxed. Salary exchange schemes (also known as salary sacrifice schemes) provide companies with a way to enhance staff remuneration and lifestyle, improve morale, and create a real workplace differential without impacting on payroll. With rising inflation set to put pressure on both business and household budgets, many employers will be keen to understand the new rules coming into effect on 6th April 2017. A consultation process is ongoing, and final details are still to be confirmed, but we already know much of the important information.

To help employers and employees understand the impact of the new rules, our short Q&A provides answers to some key questions:

Q Will the rule changes affect all existing schemes?

A No. It’s important to recognise that not all schemes will be affected by the new rules. A number of key schemes will remain, continuing to offer tax and NI savings for employees and reducing employers’ NIC payments for the foreseeable future. They are:

  • Childcare Vouchers
  • Cycle to Work
  • Holiday Exchange
  • Ultra-Low Emission Cars (75 co2 and below)
  • Pensions & Pensions Advice

Q Which existing schemes will be subject to the new rules?

Some salary exchange schemes will no longer attract employee tax savings and employers NIC if they’re taken up after 5th April 2017. They are:

  • Health Screening          
  • Parking at Work
  • Professional Fees & Subs
  • Save as you Learn
  • Mobiles & Home Tech.

Q What will happen to existing arrangements on schemes subject to the new rules?

A  All existing arrangements on schemes subject to the new rules which are entered into before 6th April 2017 will continue until 5th April 2018 – with the exception of car contracts which will continue until 5th April 2021 - with the full tax and N I savings maintained until these dates.

Q Can employees still register for affected schemes ahead of the deadline?

A Yes. Up until 5th April 2017, employees can still register onto any scheme and take full advantage of the employee tax and NI savings which will apply up to 5th April 2018. Employers NIC savings will also apply up to this date. Important note: Although employees must enter into an arrangement before the April 2017 deadline to qualify for savings, salary deductions do not have to start immediately, so long as a start date is pre-determined.

Q Will the affected schemes still offer any benefits once the new rules apply?

Yes, although affected schemes will no longer attract tax savings once the new rules are applied, salary exchange schemes will continue to offer many benefits to employees. In particular:

  • Savings on National Insurance
  • Ability to spread costs without having to pay any interest
  • Convenience of making regular, predictable payments
  • No up-front costs, credit, insurance or reference checks
  • Access to corporate discounts in some instances

Are You Operating a Gemelli Salary Exchange Scheme Which Will be Subject to the New Rules?

If you’re an employer and you are currently running a Gemelli salary exchange scheme which is going to be affected by the new rules, we’ll be contacting you soon to discuss the options open to you and your employees. If you are concerned the changes may adversely affect staff morale, we can look at the possibility of continuing to operate schemes in a different format, or we can advise you on our range of voluntary and company-paid employee benefits. In the meanwhile, make sure that you and your employees don’t miss out on tax and Employers NIC savings. Contact us now to register onto a scheme before the 5th April 2017 deadline. Call now on 01280 851113, or email us.

Voluntary Benefits for 2017

Cut the Cost Of Living In 2017 With Gemelli Voluntary Benefits

We’re living through a period of economic uncertainty, and with inflation predicted to rise in 2017, household budgets – and business budgets too – are set to come under more pressure than ever. But it’s not all one-way; Gemelli has a range of voluntary employee benefit schemes which businesses can offer to staff, giving them access to specially negotiated discounts on a diverse selection of products and services.Voluntary benefits help employees save money, and help businesses demonstrate how much they value their staff. In many cases there is no cost to the employer, and because there are no minimum numbers, voluntary benefits can be implemented by companies of any size. 

We’ve chosen four of our most popular schemes to highlight here:

Gym Membership

A healthy workforce is a happy workforce, and Gemelli’s Gym Membership scheme can help employees get fit for less in 2017. For a small annual fee, employers can give staff access to discounts of up to 30% on membership at thousands of gyms, from low cost clubs run by local authorities to national brands such as Fitness First, LA Fitness and DW Sports. Using a unique passcode, staff log in to a dedicated website where they can find their preferred gym, and download a voucher giving them the best corporate discount available. Discounts apply even to existing members and their families – and if an employee wants to join a local gym that’s not currently part of the scheme, we’ll endeavour to register the club as soon as possible.

Health Cash Plans

The cost of health cover puts it out of reach to many people, but Gemelli offers a range of simple, affordable plans to meet every day healthcare expenses, starting from just £1.20 a week for basic cover. Employees pay a monthly fee that suits their budget, and depending on the level of cover, they can claim back part or all of the cost of their treatment. No medical or GP referral is required, and plans cover consultation and basic fees for registered dentists, opticians, chiropractors and physiotherapists, as well as specialist consultations and hospital bills. Dependent children aged up to 21 and in full-time education are covered free.

Home Utilities

The cost of essentials like gas, electricity, broadband, home and mobile phone make up a significant part of total outgoings for all households. Gemelli has teamed up with The Utility Warehouse to bring savings on a wide range of utility services. Operated by Telecom Plus PLC, The Utility Warehouse is recommended by the consumer publication Which?, and already provides savings to more than 375,000 UK customers. The flexible scheme lets staff opt to take one or more services – the more they take, the more they save, they’ll also get a cashback card giving extra savings off their utilities bill by earning cashback on their everyday shopping.

Wills & Estate Planning

Gemelli works with members of the Society of Will Writers to give employees access to discounted, fixed-price advice on wills, power of attorney, funeral plans, trusts and probate from independent professionals. More than two thirds of UK adults put off making a will until it’s too late, often with disastrous consequences for those left behind, but through this scheme, employees can get a properly drafted will in place to protect dependents and provide peace of mind. There’s even the option to have appointments over Skype or telephone for optimum convenience.

Contact Us Now & Cut Costs In 2017

Start the New Year by cutting the cost of living in 2017. Call us now on 01280 851113, or email us to find out more about our range of voluntary employee benefits .