This document provides an overview and explanation of benefits available to employees through the Benpal system. It outlines the core benefits that all employees receive, as well as flexible and voluntary benefits that can be selected during an annual election window or at other times. Core benefits include a pension plan and income protection. A wide range of health, financial, insurance and lifestyle benefits are also available for employees to tailor their benefits package. The document explains how to access and manage benefits through Benpal and provides key information on tax savings available for different options.

1. Be inspired by
broader and
brighter Benefits
Welcome
Benefits Overview
Your Benefits
Core Benefits
Flexible Choices
Voluntary Benefits
Information Only
Benefits
What’s in the
Scheme?
How benefits
work for you
What is Salary
Sacrifice?

2. Our benefits scheme offers you the chance to shape your own
benefits and create your own personalised package. This scheme
encompasses a range of benefits designed to suit individual lifestyles
preferences and circumstances. We have split the options into the
following sections:
Flexible Choices
Which you can elect in the annual election window.
The purpose of this booklet is to explain how each benefit works,
which benefits are available and how to access and use the
Benpal system to make your selections and manage your Flexible
Benefits package online.
Voluntary Benefits
Which you can elect when it suits you.
Core Benefits
Which you receive as part of your employment.
What do I have to do?
Read the following pages about the benefits that are on
offer. Decide which Voluntary and Flexible Choice
benefits you want to take and complete on Benpal.
Information Only
My flex ible
benefits help
me look after
my s elf and
my family
What’s in the Scheme?
Welcome
How benefits
work for you
What is Salary
Sacrifice?
Benefits Overview
Your Benefits
Core Benefits
Flexible Choices
Voluntary Benefits
Information Only
Benefits
What’s in the
Scheme?

3. We offer you a wide range of benefits which you
can select on Benpal. Some of your benefits will
only be available for you to select in the annual
election window, which normally opens during May
each year.
Not all benefits are confined to the annual election
window, which means that you can select some of
them online at any time throughout the year. Other
benefits won’t even need to be selected online and
are automatically available to you as an employee
(‘Information Only’ benefits).
If the election window is not open for a certain
benefit, you are not able to select or view
information under the ‘Manage Your Benefits’
page until this benefit becomes available.
How benefits work for you
New Joiners and Lifestyle Events
Most benefits are open to you immediately as a new
employee. If you have a lifestyle event during the
year, you may also have the chance to review and
change some benefits that are normally only
available during the election window. A lifestyle event
is a change in circumstances such as marriage, a
promotion at work or moving home. A full list of
lifestyle events can be found on Benpal.
Saving Tax and/or National Insurance (NI)
Wehave designed these benefits to help you
get improved value out of your pay and benefits
package. By selecting some of the Flexible Benefits,
you can make significant tax and NI savings. The
savings you make depend on the tax and NI status
of the benefit (as determined by HMRC) and whether
you are a basic, higher, or additional rate taxpayer.
Where benefits are subject to Income Taxand/or NI,
they are declared on the P11D which will result in a
tax code adjustment.
Wehave put together the Key which will help you
understand the savings of each benefit throughout
this guide.
By choosing your own benefits you can tailor your
package to suit your lifestyle and family needs.
More information on all of these benefits will be
available online.
What is Salary Sacrifice?
Key
Tax Saving
NI Saving
Availableto
new joiners
Available during
the annualwindow
Availableall
year round
Welcome
How benefits
work for you
What is Salary
Sacrifice?
Benefits Overview
Your Benefits
Core Benefits
Flexible Choices
Voluntary Benefits
Information Only
Benefits
What’s in the
Scheme?

4. Salary Sacrifice is the
term used to describe a
way of giving up part of
your pay in return for an
additional benefit. You
agree to ‘sacrifice’ some
salary in return for a non-
cash benefit by giving up
your contractual right to
that salary.
What is Salary Sacrifice?
Salary Sacrifice
Your Pay
Tax
a
h
Typical Pay Structure
Your Pay
Tax
a
h
What are the advantages of using
Salary Sacrifice?
The advantages of using Salary Sacrifice are:
• You save income tax on the amount
of your Salary Sacrifice.
• You save NI on the amount
of your Salary Sacrifice.
Theamount of the saving you will receive is
dependent on the levelof your earnings. The
rates of income tax and National Insurance are
subject to change from time to time and are
therefore dependent on the current rates in any
given tax year.
Are there any disadvantages
to Salary Sacrifice?
Most employees can make either income tax
and/or National Insurance savings using salary
sacrifice to pay for extra benefits. However,
sometimes it can result in reduced State
benefit entitlements:
• You should consider the impact of salary
sacrifice if you receive any means tested
benefit or tax credit, such as Working Tax
Credit or Child Tax Credits.
• You cannot use salary sacrifice if it will
reduce your salary below the National
Minimum Wage (currently £14,250.60
based on a 35 hour week).
Salary Sacrifice – How does this work?
Buying any extra benefits using salary sacrifice
is a simple way to make tax and/or National
Insurance savings.
How much tax can you save?
If you’re a basic rate taxpayer you can save tax
at a rate of 20% on salary sacrifice for some
benefits.
How much can you save in National
Insurance?
If you earn more than the primary threshold
for the National Insurance contributions
(£8,424 for the tax year 2018/19) you can save
National Insurance on the value of any salary
swapped for certain benefits. The amount you
save depends on your earnings.
You are automatically enrolled through
salary sacrifice unless you inform HR
that you do not wish to be.
You swap some of
your salary in return for
a benefit. Your salary is
reduced by the
cost of the benefit, so
you pay less tax and
National Insurance on
the remaining salary –
making the actual cost
of the benefit cheaper!
Welcome
How benefits
work for you
What is Salary
Sacrifice?
Benefits Overview
Your Benefits
Core Benefits
Flexible Choices
Voluntary Benefits
Information Only
Benefits
What’s in the
Scheme?

5. Benefits overview
The table below gives you an overview of all the benefits available through Benpal, what savings you can make and
when they will be available for selection.
Tax saving available? NI saving available? Available all year round?
Available during annual election
window?
Security and Protection
Life Cover
Critical Illness Cover
Partner Critical Illness Cover
Personal Accident Insurance
Income Protection
Voluntary Personal Accident Insurance
Pension
Health and Wellbeing
Healthcare
Health Cash Plan
Health Screening
Partner Health Screening
Dental Cover
Lifestyle
Travel Insurance
Holiday Buy
Childcare Vouchers
Cycle to Work
Managing Your Finances
Dining and Leisure card
Give As You Earn
Gym Membershiip
Information Only
Employee Assistance Programme
Business Travel and Accident cover
Season Ticket Loan
Discount Vouchers
Welcome
How benefits
work for you
What is Salary
Sacrifice?
Benefits Overview
Your Benefits
Core Benefits
Flexible Choices
Voluntary Benefits
Information Only
Benefits
What’s in the
Scheme?

6. Your Benefits
Welcome
Benefits Overview
Your Benefits
Core Benefits
Flexible Choices
Voluntary Benefits
Information Only
Benefits
What’s in the
Scheme?
How benefits
work for you
What is Salary
Sacrifice?
Flexible Choices
Core Benefits Voluntary Benefits
Information Only

7. Pension
You are eligible to join the Aviva Group
Personal Pension plan as an Employee in the
UK. The Pension Plan is a defined
contribution pension plan, which has been
arranged with Aviva. You are
‘auto-enrolled’ on a 3% employee and 3%
employer pension contribution, invested into
the company default fund, however you may
increase your contributions via Benpal.
iThe Company operates a salary sacrifice
arrangement for pensions which is a more
efficient way of saving for retirement. Once
enrolled into the pension, contributions will
therefore be on a salary sacrifice basis
unless you request otherwise via HR. Once
your plan has been set up you may select
from a range of investment funds via Benpal,
in line with your requirements.
Core Benefits
We offer a valuable range of core benefits that you are
automatically entitled to as part of working for the company.
We pride ourselves in looking after our people so we’ve
chosen benefits that provide care, peace of mind and security
for you and your family’s future.
Key
Tax Saving
NI Saving
Availableto
new joiners
Available during
the annualwindow
Availableall
year round
The table below shows the level of
contributions as an employer, and how they
are matched by the company:
You pay Company adds Total
3% 3% 6%
4% 4% 8%
5% 5% 10%
6% 6% 12%
Offers you a great way to help save
for your retirement, with a range of
company contributions to choose
from to match yours.
Y o u r
d e p e n d a n t s
a l s o
b e n e f i t
f r o m o u r
p e n s i o n
s c h e m e
Welcome
How benefits
work for you
What is Salary
Sacrifice?
Benefits Overview
Your Benefits
Core Benefits
Flexible Choices
Voluntary Benefits
Information Only
Benefits
What’s in the
Scheme?
More core benefits

8. If you need to be off work for a specified length of time as a result of an illness or accident, this
benefit can provide you with a continuing income (subject to the approval of the insurer). If
you make a claim, the income protection benefit continues until you are well enough to return
to work or you reach 65 or state retirement age, when the cover period ends.
Summary
• The benefit is available if you are absent from work for certified medical reasons for a period of
6 months or more
• The benefit is available if you have accrued 26 weeks or more continuous monthly salary payments
• Income Protection is offered at 66.67% of your salary less Employment and Support Allowance
benefit you may receive and is subject to any insurer restrictions.
• The income benefit you receive is paid as salary and is subject to normal deductions, such as
income tax and NI – subject to change
• The benefit is provided by Legal & General
Level of Cover
You are automatically covered for the level shown on Benpal. Depending on your annual salary,medical
underwriting may be required.
Action
This benefit is fully company paid and your cover will be automatically selected on Benpal.
Income Protection offers company paid cover which provides a
continuing income if you are absent from work for a prolonged
period of time due to an accident or illness.
Income Protection
Life Cover will provide your beneficiaries with financial support in the unfortunate case of
your death whilst working for the Company
Why is it important to keep my Nomination of Beneficiaries up to date on Benpal?
The Trustees of the Life Cover scheme will exercise discretion to decide who the tax-free
lump sum payment is paid to.
Summary
• 4 x salary in the event of death whilst employed by thecompany
• Employees must complete a Nomination of Beneficiaries form and return this to the HR Department.
This is to nominate who you would like the life assurance to be paid to in the event of your death
• Pay for this benefit monthly and save tax and NI (on additional cover)
• This benefit is provided by Generali
Level of Cover
You are automatically covered for the level shown on Benpal. (This is subject to provider limits or you are
required to provide medical evidence before full cover can be granted). Through Benpal, you can choose
to decrease the level of cover under this policy to a minimum of 2 x salary, or pay to increase the level of
cover to a maximum of 10 x salary. Please note you you can only increase this benefit in single steps after
you make your initial choice.
Action
Toselect this benefit, simply decide on the level of cover you require, check the cost and follow the online
instructions. Make sure you nominate your beneficiaries - forms available from the HR.
Life Cover provides a benefit for your beneficiaries, paying out a
tax-free lump sum at a time when it is most needed.
Life Cover
Core Benefits
Key
Tax Saving
NI Saving
Availableto
new joiners
Available during
the annualwindow
Availableall
year round
Welcome
How benefits
work for you
What is Salary
Sacrifice?
Benefits Overview
Your Benefits
Core Benefits
Flexible Choices
Voluntary Benefits
Information Only
Benefits
What’s in the
Scheme?
More core benefits

9. Personal Accident Insurance is a way of providing an immediate benefit to cover the loss
of income and any additional expenses that could be incurred if you were permanently
disabled as a result of an accident.
This benefit is provided by Chubb.
Summary
• Pays out a lump sum or income in the event of disability, dismemberment or death,
caused by an accident
• The core level of cover provided to employees is 2 x salary
(subject to a minimum cover level of £50,000)
Action
You are automatically entitled to this benefit. If you wish to submit a claim, please contact the Benpal
Customer Support Team and complete the necessary form.
Pays out a lump sum or income in the event of disability,
dismemberment or death caused by an accident
Personal Accident Insurance
Core Benefits
Key
Tax Saving
NI Saving
Availableto
new joiners
Available during
the annualwindow
Availableall
year round
None of us likes to think about falling ill, but making provisions for the worst can save a lot of
worry and stress if it does happen. As a private patient, you will have access to eligible private
hospital treatment whenever you need it and all eligible bills will be settled on your behalf
directly with the specialists.
Treatment should always be on the referral of your GP and you must always contact the
Healthcare Concierge Team to ensure the treatment is covered under the plan.
Summary
• You are eligible for company paid Healthcare cover: single, partner or family as required
• Healthcare is a taxable benefit, and is taxed via your monthly pay
• Tojoin this benefit programme, you must actively sign up through Benpal
• Your excess amount is £100 in a rolling year per claimant irrespective of number of claims
• GP/specialist referrals are required
• Pre-existing conditions are covered and no medical evidence is required upon joining
Action
To select this benefit, simply decide on the level of cover you require and follow the online instructions. Once you
have obtained a referral from your GP, you must contact the Healthcare Concierge Team for authorisation before
starting your treatment.
Get prompt access to specialist medical
care and have the power to choose
where and when you have treatment
Healthcare
Welcome
How benefits
work for you
What is Salary
Sacrifice?
Benefits Overview
Your Benefits
Core Benefits
Flexible Choices
Voluntary Benefits
Information Only
Benefits
What’s in the
Scheme?
More core benefits

10. Suffering a critical illness can have serious financial implications for you and your family. Youmay
no longer be able to work your full hours, or in the same role, and you may require additional
medical support. This benefit will provide you with a tax-free lump sum should you suffer from
one of the qualifying critical illnesses.
Summary
• Cover yourself from minimum of £10,000 up to a maximum of £500,000
• Additional cover for a partner is also available either matching £10,000 or in units of £25,000 and is
limited to the level of cover you select for yourself or £100,000 whichever is lower.
• Children are covered, free of charge, up to 25% of your cover level or £20,000 (whichever is lower)
• Pre-existing conditions are not covered
• This benefit is provided by Legal & General
Level of Cover
You can select a maximum of £500,000 in incremental stages of £25,000. The benefit cannot exceed
5 x your salary.
Action
Once you have decided on your own level of cover, select the amount of cover for your spouse or partner.
It is important that you read the ‘Policy Guide’ and be aware of the pre-existing conditions
and exclusions. As soon as you have been diagnosed with one of the
conditions defined in the policy, contact the Benpal Customer
SupportTeam.
Critical Illness
If you are diagnosed with a critical illness that is covered by this
policy, a tax-free lump sum will be provided for financial support
Employees are invited to choose their options within one
month of their start date. You will be invited to review and
change if necessary your flexible choices each year during
the flexible benefits window and all benefits will run for one
year.
Flexible Choices
Key
Tax Saving
NI Saving
Availableto
new joiners
Available during
the annualwindow
Availableall
year round
Welcome
How benefits
work for you
What is Salary
Sacrifice?
Benefits Overview
Your Benefits
Core Benefits
Flexible Choices
Voluntary Benefits
Information Only
Benefits
What’s in the
Scheme?
More flexible benefits

11. Select your personal cover and obtain reimbursement towards the cost of routine dental work,
accidents and emergencies for you and your family. All plans are available regardless of your
age or dental history and even include pre-existing dental conditions (excluding oral cancer).
Your children can be covered up to the age of 21 or 24 if they are in full time education.
Summary
• Deductions are made from net pay
• The level of reimbursement is based on the option you select
• You are covered for emergency treatment abroad (ensure you obtain a receipt in English)
• This benefit is provided by Denplan
• A wide selection of cover-levels are available and you can choose to use either an NHS or private
dentist for treatment
• Dependent children up to the age of 21 at the start of the scheme year can be covered (or age 24
at the start of the scheme year if in full-time education)
Level of Cover
There are options to select on Benpal: Single, Single Parent, Couple or Family cover. The cover levels
are Key (which pays up to NHS limits), Essential, Extensive and Extensive Plus.Visit Benpal to find out
more about each cover level and what can be claimed on each one for both
NHS and private dentistry.
Action
Toselectthis benefit,simply decide on the levelof cover you require,check the
cost and followthe onlineinstructions.Make sure you add your dependants via
the ‘My Account’ section. Toclaim,simply pay for your treatment, obtain a receipt,
submit a claim and you will be reimbursed for the paymentyou made. Employees
can signup on joining the company or duringthe annual benefitswindow
Dental Cover helps to meet the cost of any standard or remedial
dental treatment and includes cover for specific sports-related
and accidental injuries
Dental Cover
Flexible Choices
Dining and Leisure
Ever fancied popping out for a meal, but can’t
quite justify the cost?
Key
Tax Saving
NI Saving
Availableto
new joiners
Available during
the annualwindow
Availableall
year round
Why not become a Gourmet Society member with a discounted corporate annual
membership and enjoy access to a range of discounts and savings on your dining and
leisure activities across the UK including:
• 2-for-1 meals, 50% off food or 25% off the total bill at approximately 6,500
participating restaurants
• 40% off cinema tickets and discounted tickets through Ticketmaster
• Savings at some of the UK’s top attractions
Summary
• Payment via a monthly fee and enjoy membership for a year.
• Payment from net salary
Action
Avaiilable for all employees in the annual election window
Welcome
How benefits
work for you
What is Salary
Sacrifice?
Benefits Overview
Your Benefits
Core Benefits
Flexible Choices
Voluntary Benefits
Information Only
Benefits
What’s in the
Scheme?
More flexible benefits

12. The Health Cash Plan reimburses you for a range of medical expenses including hospital
stays, optical and dental fees, chiropody and other alternative treatments, so the cost of
those everyday healthcare bills might be less painful.
Simply choose which level of cover will suit your needs best; you won’t be required to
undertake a medical examination and you can usually start claiming straight away.
Please note, waiting periods and exclusions apply. Please refer to the Policy Summary for
full details.
Summary
• Select from 8 levels of cover
• Payment is deducted from your net pay
• Children are covered, if you take out a family policy, up to the age of 21 (or 24 if in full time
education)
• Pre-existing conditions are covered
• This benefit is provided by Bupa
Level of Cover
You can choose from 8 levels of cover. Levels 1-3 are for Single cover only and levels 4-8
are for Family cover.
Action
Toselect this benefit, simply decide on the level of
cover you require, check the cost and follow the online
instructions. Make sure you add your dependants via
the ‘My Account’ section. Toclaim, simply pay for your
treatment, obtain a receipt, submit a claim and you will be
reimbursed for the payment you made.
Claim cash towards the cost of your everyday healthcare
Health Cash Plan
Flexible Choices
Key
Tax Saving
NI Saving
Availableto
new joiners
Available during
the annualwindow
Availableall
year round
Tailor the number of days you take as holiday to suit your own requirements each year.
You may want to increase your holiday entitlement to go on a long trip or travel for a
memorable family occasion.
Summary
• You are entitled to 23 days annual leave in your first year, 24 in your second year and then 25 days
thereafter. In addition you will get the Company Founders Day off each year.
• Buy up to 3 extra days to increase your holiday entitlement
• The cost will be deducted from your monthly gross pay via Salary Sacrifice
• Payment is deducted over 12 months
Note: any days you buy cannot be sold back during the scheme year.
Level of Cover
The price of each day is based on your full-time equivalent salary divided by 260 (standard working days
per year). This figure is pro-rated if you work on a part-time basis.
Action
Decide how many days you want to buy, and obtain your line managers agreement. Check the cost on
Benpal and follow the online instructions.
Please note, the window to ‘flex’ on holidays is in May,
and takes effect in June
Holiday Buy
Welcome
How benefits
work for you
What is Salary
Sacrifice?
Benefits Overview
Your Benefits
Core Benefits
Flexible Choices
Voluntary Benefits
Information Only
Benefits
What’s in the
Scheme?
More flexible benefits

13. Flexible Choices
Summary
• Payment is made via monthly deduction form your net pay
• You can purchase cover in units of benefit up to a maximum of 10 units
• One unit of cover provides £25,000 of death cover with other benefits varying by category
Action
Available for all employees - in the annual election window
Insure yourself with a policy that pays out a lump sum or
income in the event of disability, dismemberment or death,
caused by an accident
Voluntary Personal Accident Insurance
Key
Tax Saving
NI Saving
Availableto
new joiners
Available during
the annualwindow
Availableall
year round
Summary
• Choose leisure travel cover for annual worldwide or European holiday travel – including winter
sports at competitive rates for employees and families
• Get access to 24 hour emergency helpline open 365 days a year
• This benefit is provided by Milstream Travel
• The cost for this benefit is deducted from your monthly net salary through payroll
Level of Cover
You can choose European Cover (including or excluding Winter Sports) or Worldwide Cover (including
or excluding Winter Sports). You can choose between Employee, Employee and Spouse/Partner,
Employee and Children or Employee and Family Cover.
Action
Toselect this benefit, simply decide on the level of cover you require, check the cost and follow the
online instructions. Make sure you add your dependants via the ‘My Account’ section.
Comprehensive annual travel insurance allows you to cover
you and your family for things such as hospital visits, lost
luggage or missed flights whilst being abroad
Travel Insurance
Welcome
How benefits
work for you
What is Salary
Sacrifice?
Benefits Overview
Your Benefits
Core Benefits
Flexible Choices
Voluntary Benefits
Information Only
Benefits
What’s in the
Scheme?

14. We also offers you a great range of voluntary benefits that
you can choose to take up when it suits you.
Voluntary Benefits
Cycle to Work
Get your hands on a brand new bicycle, safety equipment and accessories whilst saving tax and
NI on the total cost. Youcan choose from a wide range of bikes and accessories nationwide.
How it works: You choose the bike that you want from the wide range available through
Cyclescheme. You then lease the bike from the Company over an initial 12-month period
and the lease payments are taken from your gross salary, before deductions for income tax
and NI costs. After 12 months any subsequent sale must be pursuant to a separate
agreement, entered into after the conclusion of the hire agreement.
Summary
• Spread the cost over 12 months via Salary Sacrifice and save tax and NI
• Choose the amount you need, between £100 and £1,000 in £50 increments
• You are advised to obtain specific insurance for your equipment and inform your insurer that we have
an interest in the equipment
• Eligibility is for employees who use a bicycle for at least 50% of the time as part of their journey to or
from work
• This benefit is provided by Cyclescheme
Action
Decide which model of bike you want to lease, once you know the total cost, enter the value and follow
online instructions. A Lease Agreement will be emailed to you for completion and return. Once this is
received, you will be sent your voucher which can be exchanged for the bike at your selected store.
Employees can sign up from the first day of any month through the Benpal system.
Travel to work by bike, save
money and get fit and healthy
Key
Tax Saving
NI Saving
Availableto
new joiners
Available during
the annualwindow
Availableall
year round
Welcome
How benefits
work for you
What is Salary
Sacrifice?
Benefits Overview
Your Benefits
Core Benefits
Flexible Choices
Voluntary Benefits
Information Only
Benefits
What’s in the
Scheme?
More voluntary benefits

15. Childcare Vouchers allow you to take advantage of a tax-efficient
way to pay for childcare
Childcare Vouchers
Voluntary Benefits
• Save tax and NI on up to £243 per month by paying via Salary Sacrifice
• Can be used up to 1st September after your child’s 15th birthday (16th if they have a disability)
• Direct payments to your childcare provider are controlled by you via your secure online personal
account giving you easy access and payment options, all in one place
• Offer a Childcare Voucher scheme through Edenred
• Employees can sign up from the first day of any month through the Benpal system
Level of Cover
Tax Band Basic rate tax payers Higher rate tax payers Additional rate tax payers
Tax-efficient
vouchers
£243 per month £124 per month £110 per month
The maximum tax-deductible amounts above are per employee, not per child, so your spouse or partner
may be able to get the same benefit from his or her employer, thereby doubling your annual savings.
Action
Toselect Childcare Vouchers, decide on the amount, and then simply follow online instructions on
Benpal.
Key
Tax Saving
NI Saving
Availableto
new joiners
Available during
the annualwindow
Availableall
year round
This benefit gives you a tax-efficient way to make
your charitable donations
Give As You Earn
You can contribute to as many registered charities as you like, large or small, national
or local.
Summary
If you are paying for registered or approved childcare, you can save money by using
Childcare Vouchers. You can select up to £243 per month free of tax which will be credited
to your own personal online childcare account. You can then decide when you want to
spend these credits, so you could save them up to use over the summer. These can be
used for the care of children from pre-school care, to after-school care and holiday clubs
from any Ofsted registered provider.
Summary
• A simple and convenient way to make a monthly donation to charity through payroll deduction
• You choose the charity or charities who will benefit
• The amount you donate is increased by income tax relief
• Minimum contribution of £10 per month
Action
Complete the Donor Instruction form under the Give As You Earn benefit on Benpal.
Welcome
How benefits
work for you
What is Salary
Sacrifice?
Benefits Overview
Your Benefits
Core Benefits
Flexible Choices
Voluntary Benefits
Information Only
Benefits
What’s in the
Scheme?
More voluntary benefits

16. Voluntary Benefits
Gym Membership
Get discounted rates for a cost effective way to improve
your health and wellbeing
Key
Tax Saving
NI Saving
Availableto
new joiners
Available during
the annualwindow
Availableall
year round
A discounted gym membership provides an incentive for you to get in shape and stay
healthy. Rather than restricting employees to a particular chain of gyms or a specific
location, this scheme gives you a discounts at a wide range of gyms.
Summary
• Get access to over 1,600 gyms across the UK with discounts of up to 30% available to
existing and new members, along with your immediate family members
• The cost for this benefit is deducted from your monthly net salary through payroll
• Please note, unlike your other benefits, election for Gym Membership will close on the 20th
of the month. This is in order for the administrative processes to be carried out for your
membership to be ‘live’ from the 1st of the following month
• This benefit is provided by Incorpore
Action
Click on the Gym Flex link, search for the gym and deal you want and submit your selection.
Once you have received your confirmation email, enter the monthly value on Benpal and submit
this along with your other benefit selections (any incorrect values entered will be corrected in
conjunction with Gym Flex).
Welcome
How benefits
work for you
What is Salary
Sacrifice?
Benefits Overview
Your Benefits
Core Benefits
Flexible Choices
Voluntary Benefits
Information Only
Benefits
What’s in the
Scheme?
More voluntary benefits

17. Voluntary B enefits
Understanding the advantage of relevant savings and tax-breaks can save you substantial sums
of money in the long term and the qualified Financial Planners can help you understand your
current status and give you expert information and ideas on what actions you could be taking to
improve your financial position.
Choose from a range of fee-based personal financial planning services, including:
• Financial Review
• Investment Portfolio Management
• Retirement Planning
• This benefit is provided by JLTWealth Management
Action
Toregister your interest in any of these services, select Managing Your Finances and follow the online
instructions. You will then be contacted directly for a free 30-45 minute conversation around your personal
financial circumstances. After this call, should it be clear that one of these services will be of use to you; the
Financial Planner will provide you with a cost.
Key
Tax Saving
NI Saving
Availableto
new joiners
Available during
the annualwindow
Availableall
year round
Get access to a comprehensive suite of Financial Management services
from a qualified Financial Planner
Managing Your Finances
Welcome
How benefits
work for you
What is Salary
Sacrifice?
Benefits Overview
Your Benefits
Core Benefits
Flexible Choices
Voluntary Benefits
Information Only
Benefits
What’s in the
Scheme?

18. Key
Tax Saving
NI Saving
Availableto
new joiners
Available during
the annualwindow
Availableall
year round
Information Only
We offer you a great range of benefits as standard. These
are benefits that you’re automatically entitled to, at no
charge, just for working for us.
Support for when you need it most
Employee Assistance Programme (EAP)
The EAP offers you 24/7 support with any personal and work related issues you face in
order to promote better personal and organisational wellbeing and performance at work.
Get access to counselling services and information on legal, financial and specialist topics.
Summary
• Fully company paid benefit
• Support includes confidential counselling, debt management, legal advice and personal, emotional
and family matters
• Available 365 days a year, 24 hours a day
• The service is provided by Legal and General
• Confidential 24 hours a day helpline, providing legal and financial advice, general information and
citizens advice services
• Telephone and face to face counselling
Action
You can access the EAP as often as you like and the service is free on: Tel: 0800 316 9337
www.legalandgeneral.com/eap (access code: worklife, password: worklife)
Welcome
How benefits
work for you
What is Salary
Sacrifice?
Benefits Overview
Your Benefits
Core Benefits
Flexible Choices
Voluntary Benefits
Information Only
Benefits
What’s in the
Scheme?

19. Information Only
Key
Tax Saving
NI Saving
Availableto
new joiners
Available during
the annualwindow
Availableall
year round
Health Screening
• There are between 3 and 5 levels of assessments to choose from depending if you are male or
female
• Mammograms are available for females aged 40+
• Prostate Cancer Blood Check is available for males aged 50+
• Health Screening Partner: cover is also available for your partner, with deductions from your net pay
• This benefit is provided by BMI
Level of Cover
There are 6 assessment cover level options to choose from, listed below. Full descriptions of these will
be available online: BMI Essential, BMI Select, BMI Select including Prostate Cancer Blood Check, BMI
Select including Mammography, BMI Advanced, and BMI Advanced Plus.
Action
Toselect this benefit, simply decide on the level of cover you require, check the cost and follow the online
instructions. Make sure you add your dependants via the ‘My Account’ section. Once your application
has been processed, you will be contacted in order to arrange an appointment. This will be during
business hours but at a convenient location to suit your needs. Please be aware that, if you cannot attend
your appointment, you must rearrange or you will be responsible for any cancellation fees.
If you fail to attend an appointment within the scheme year, you lose this benefit.
Protect your personal health
by having a comprehensive
check-up
Season Ticket Loan
Summary
• Can be used for public transport in relation to your journey to and from your place of work
• If the loan exceeds £10,000 it will be classed as a benefit in kind for tax purposes
• The ticket must not exceed 12 months
• The loan is repaid via equal monthly instalments over the duration of the Season Ticket
Health Screening may help you and your partner to maintain your health by identifying risk
factors and encourage you to make any necessary changes to your lifestyle. You will benefit
from a comprehensive range of tests and a highly personal approach with time to discuss your
individual concerns with experienced specialists. Once the screenings have been conducted,
the results can help you build a plan to stay fit and healthy as you get older.
You can personalise the screening to suit your circumstances and then create your own
healthy living plan to enhance your quality of life!
Summary
Action
Complete the application form under the Season Ticket Loan benefit on Benpal.
We offer employees an interest free Season Ticket Loan to
cover the cost of travel tickets and parking to and from their
place of work.
Welcome
How benefits
work for you
What is Salary
Sacrifice?
Benefits Overview
Your Benefits
Core Benefits
Flexible Choices
Voluntary Benefits
Information Only
Benefits
What’s in the
Scheme?
More information

20. A range of medical and travel assistance services,
supported by a 24 hour emergency helpline.
Business Travel & Accident Insurance
Information Only
• Designed to help you out no matter where you are on business
• The cost for this benefit is payable by your employer
• Cover stops when you leave your current employment
Key
Tax Saving
NI Saving
Availableto
new joiners
Available during
the annualwindow
Availableall
year round
Benefit offers cover for the following:
• Medical Advice
• Repatriation
• Medical Referral
• Emergency Medical Supplies
• Direct Billing
• Travel Advice
• Legal Referral
• Lost Travel Documents and Luggage
• Emergency Message
• Emergency Money
• Emergency Travel
• Translation Services
Action
You are automatically covered for this benefit and the cost is paid for by your employer. In the event an
Insured Person is travelling on an Insured Journey and requires assistance, the emergency helpline can
be contacted by telephone (+44 (0)207 895 3364) or email (medicalassistance@chubb.com). Please
ensure that when contacting the helpline, you quote the policy number (64796977).
Take advantage ofgreat savings on a range
of discounts and special promotions
Voluntary Discounts
All of us usually spend money on regular shopping or one off purchases from online or high
street retailers. The company has negotiated discounts and promotions with a wide range of
household names, enabling you to save money on goods and services time and time again.
Summary
• Discounts available for a wide range of products from well-known suppliers
• The cost of access to this benefit is paid for by your employer
• The cost of redeeming any discount is paid by you directly to the relevant retailer
Action
Toview the range of discounts available please see the relevant link in the benefit information. If you
would like to use any of the available discounts or cashback offers, please create an account using the
‘Join Now’ button on the top right-hand side of the landing page.
When prompted to enter an Employee ID, you will need to enter your Payroll Number. Each employee
has a bespoke Payroll Number and if you do not know what yours is, please contact HR who will be
able to confirm this for you.
Once you have completed your Employee ID and entered the on-screen Security Code, you will be able
to create your account and have full access to all discount and cashback offers available.
You can access the Voluntary Discounts website via https://hep.lifestylehub.co.uk/login.php
Welcome
How benefits
work for you
What is Salary
Sacrifice?
Benefits Overview
Your Benefits
Core Benefits
Flexible Choices
Voluntary Benefits
Information Only
Benefits
What’s in the
Scheme?