Every day we are seeing an increased strain put on our NHS, which is leading to increased waiting times to receive a diagnosis and treatment plan. Our aim is give clients access to a range of comprehensive Private Medical Insurance (PMI) policies, that cover the cost of accessing diagnosis and treatment for eligible conditions in private hospitals or wards, with your choice of specialist. At Lloyd & Co, we help small, medium and large business create a tailored health and well-being plan that will give employees peace of mind knowing that if they fall ill, they will have access to quick diagnosis and treatment.
Healthcare cash plans allow employees to claim cash back for routine healthcare cost they come across on a daily basis. This tangible benefit will give your employees the opportunity to take a proactive approach towards their health without the worry of being out of pocket. This increasingly popular employee benefit can be used to work alongside a PMI plan or act as a standalone product. Lloyd & Co will independently review the market to find the best provider to suit your company’s needs.
Nobody likes to receive and unexpected dental bill, so by introducing a dental plan then this can remove the stress and worry of any unexpected costs. By paying a regular monthly amount, the employee would have peace of mind knowing that most of their dental costs would be covered under their plan.
Having a suitable benefits structure for internationally based staff is not straightforward. Our team of experts work with our clients to establish the best path forward to ensure that all employees outside of the UK have a benefits package to suit their needs.
A Group Life policy will give employees peace of mind, knowing that if they die then their families and dependants will receive a tax free lump sum to cover their financial commitments. A feature of these policies is that they are not treated as a taxable benefit and fit in nicely with a company’s health and well-being strategy.
Upon the diagnosis of a wide range of serious or life-threatening conditions such as cancer, heart attacks and strokes, a Group Critical Illness policy would pay out a tax free lump sum to an employee to help them or their family with their financial commitments. A feature for the company is that these premiums are normally an allowable business expense for corporation tax purposes.
If an employee is prevented from working because of a long-term illness or injury, a Group Income Protection policy will provide a financial benefit and rehabilitation support. A feature of these plans is that it pays a proportion of the employee’s salary should they be unable to work due for a prolonged period of time.
Regardless of the life stage you have arrived at, it is important to receive expert and professional advice on your pension plans and requirements. Whether you need to set up or review existing retirement planning strategies, for you or your employees, Lloyd & Co has ways to help you make the most of your retirement opportunities.
Support to your employees with Financial Education is becoming increasingly popular and is a extremely important part of a companies Wellbeing Strategy. At Lloyd & Co Employee Benefits, we do things differently and try and bring it to life by not making it boring and power point heavy by adding character and personality to the education.
Really important things that enable people to buy houses. It’s as a simple as that until you start looking at all the different options. All it takes is a sit down, an analysis of financial situation and a good long hard look at the marketplace for you – and you’re off living in that home you’ve always dreamed of. We don’t actually provide advice on mortgages but we have links to dedicated advisers who do.
Have you read our Rat Race article? You can find it on our Home page. It says it all really. ‘Fail to Plan, Plan to Fail’. It’s got to be your life ethos. We are experienced planners and it’s our job to make sure you formulate your plan. After all, it’s your life to be lived. What would you be doing if money and time were no object? What would be your biggest regret if you died tomorrow?
Mental Health absenteeism is now one of the biggest costs to business, by introducing an Employee Assistance Programme this will help support staff with their stress related issues. We have access to a range of different providers that will be able to assist employees by offering telephone or face to face counselling.
Helping to support your employees with their eye-care is paramount to most business. At Lloyd and Co, we partner with one of our specialists to provide on-site Optical Testing for employees to ensure businesses fulfil their duty of care.
By offering on-site Health Screening, this will ensure that employees review their physical condition and lifestyle to identify any potential medical issues. This will ensure that employees learn more about their own health and educate them about their own lifestyle choices.
Offering Travel Insurance as an employee benefit means that staff have one less thing to worry about when they take a break from work. This benefit will give employees peace of mind knowing that they are covered against unforeseen circumstances.
Our aim is to do things differently and at Lloyd & Co Employee Benefits, we truly believe that having an intermediary that can give you a one stop shop for all your Employee Benefits & Financial Planning needs paramount to your company’s success. Also by working with an intermediary with Chartered status, this means that highly qualified Consultants will be working with you to meet your goals.
At Lloyd & Co Employee Benefits, we understand that working in a small to medium business is a busy environment and finding time to review your existing polices sometimes moves towards the bottom of the pile. We specialise in helping companies find a competitively priced policy that is right for your companies needs.
Our team of qualified Consultants are able to do a whole of market review to source the best policy to suit your needs. Whether it be Healthcare, Wellbeing, Group Risk or Financial planning, we ensure that you have industry experts reviewing your needs.
Private Medical Insurance
Every day we are seeing an increased strain put on our NHS,