FINANCE & SECURITY
HEALTH & WELLBEING
FLEXFIRST: 2014
FLEXIBLE BENEFITS FROM MCGRAW HILL FINANCIAL
LIFESTYLE
FURTHER BENEFITS
WELCOME TO FLEXFIRST
We’ve invested in flexfirst to give you a package that you can shape to fit your lifestyle, your family and your circumstances. You are a big part of what makes our global business a success. We understand that your financial security, health, wellbeing and work-life balance are important to you. There are some benefits that we provide to you as a core benefit to give you and your family a minimum level of protection. New for 2014 are additional options to increase the personal level of your risk benefit package, as well as the ability to participate in a wide range of other voluntary benefits, so you can tailor your benefits package to meet your individual needs. There are a lot of benefits available so please read through this brochure to help you make your choices. We hope you find benefits that are right for you. Amanda Baldwin VP Human Resources EMEA/APAC
2
FLEXIBLE BENEFITS FROM MCGRAW HILL FINANCIAL
GUIDING YOU THROUGH
STEP 1 TIME TO REVIEW
∫ Spend some time reading through this brochure to familiarise yourself with the full range of benefits available to you.
∫ Leave yourself plenty of time to consider what’s available before you have to make your decisions.
STEP 2 VISIT THE WEBSITE
∫ Visit our website at www.flexfirst.co.uk for more detailed information, rates, premiums and policy information.
STEP 3 CONTACT THE PROVIDERS
∫ Speak to the benefit providers if you have specific questions. We have given you a list on page 16 of this brochure, or feel free to speak to our benefits team who will be happy to help.
STEP 4 ENROL
∫ Simply go online during the enrolment window to make your choices – we’ll take care of the rest.
YEAR-ROUND SUPPORT The flexfirst year runs from 1 January 2014 through to 31 December 2014. During this time, you can look on the flexfirst website to review any personal changes that may affect your package, such as salary or lifestyle changes, or for information on how to make a claim. You can also view your Total Reward Statement to see a full picture of your salary and benefits. Don’t forget to: ∫ Take advantage, throughout the year, of the discounts and cash back available through our employee discounts website, Offersfirst. ∫ Register with MyFamilyCare, who provide backup care services, to ensure you’re prepared for those childcare emergencies or where you need to care for an adult dependent. ∫ Access our Employee assistance programme when you have a personal or work related issue and would like to talk it over with a professional counselling team 24-7.
WE’RE HERE TO HELP If you need advice at any time, you can speak to our employee benefit consultants, Helm Godfrey. Their experts are available on 0207 614 1045 or mhfi @helmgodfrey.com.
HOW IT WORKS
Make the most of Income Tax and National Insurance savings You are effectively giving up your gross pay in exchange for benefits. The costs are taken from your salary BEFORE Income Tax and National Insurance contributions are deducted. So as well as some excellent deals and preferential rates, ‘salary exchange’ can bring you some tax savings too. However, each benefit is subject to its own Income Tax and National Insurance rules, see overleaf for details.
NON-SALARY EXCHANGE BEFORE SELECTING FLEXIBLE BENEFITS
Your benefits
SALARY EXCHANGE SALARY EXCHANGE IF YOU DECIDE TO INCREASE IF YOU DECIDE TO DECREASE YOUR BENEFITS YOUR BENEFITS
Your benefits
Your benefits
KEY: REFERENCE SALARY
SALARY EXCHANGE This means giving up the right to receive part of your salary and having it replaced by employer-provided, non-cash benefits of equal or greater value.
REFERENCE SALARY/BASE SALARY If you make a salary exchange, your reference salary will be used for calculating all salary-related benefits in the future. To explain how it works, imagine your current salary is £20,000 and you exchange £2,000 of it for benefits. In this situation, your flex salary will drop to £18,000, but your reference salary will continue to be £20,000.
Base salary
Flex salary
Flex salary
FLEX SALARY Your reference salary minus the amount you salary exchange for benefits.
YOUR BENEFITS A blanket term for benefits provided by McGraw Hill Financial under flexfirst.
TOTAL REWARD Your Total Reward is the sum of your reference salary and the Company contribution towards your benefits. You can see your own Total Reward Statements at www.flexfirst.co.uk
TO FIND OUT MORE VISIT: WWW.FLEXFIRST.CO.UK
3
MAKE YOUR MONEY GO FURTHER
These tables show you the tax status of the costs for all of the different benefits which are available, so you can see what savings you can make on Income Tax and National Insurance for each benefit. FINANCE & SECURITY BENEFITS
INCOME TAX PAYABLE
NIC PAYABLE
HEALTH & WELLBEING BENEFITS
INCOME TAX PAYABLE
NIC PAYABLE
Pension contributions
✗
✗
Private medical insurance
✓
✗
Bonus waiver
✗
✗
Health assessments
✗
Group life assurance – core & voluntary
✗
✗
Partner health assessments
Group income protection – core & voluntary
✗
✗
Personal accident
✓
Group critical illness – core & voluntary
✓
Partner life assurance
✓
✗
Partner critical illness
✓
✗
4
FLEXIBLE BENEFITS FROM MCGRAW HILL FINANCIAL
LIFESTYLE BENEFITS
INCOME TAX PAYABLE
NIC PAYABLE
Flex holidays – increase
✗
✗
✗
Flex holidays – decrease
✓
✓
✓
✗
Childcare vouchers
✗
✗
Health cash plans
✓
✗
Cycle to work
✗
✗
Dental insurance
✓
✗
Personal travel insurance
✓
✗
✗
Cancer screening
✗
✗
Offersfirst
✓
✓
✗
Breast check essentials
✗
✗
Retail vouchers
✓
✓
Gym Membership
✓
✗
Employee assistance programme
✗
✗
Important information about how your benefits are taxed. You will still have to pay Income Tax and National Insurance in some circumstances. HM Revenue & Customs (HMRC) regards some salary exchanges as ‘Benefits in Kind’, which will be assessed through your P11D. However, other benefits will not be subject to either Income Tax or National Insurance, which saves you money.
PLEASE NOTE Most benefits are taxed through payroll by the tax code issued to you by HMRC and it may take some time for them to catch up with any extra benefits you receive. As a result, there could be a delay before your payable income tax is collected.
Base salary
Flex salary
Flex salary
That’s how it works – now let’s see what’s on offer.
TO FIND OUT MORE VISIT: WWW.FLEXFIRST.CO.UK
5
FLEXFIRST: FINANCE & SECURITY
My family and I extra appreciate having as you financial security never know what the future holds. Carmen Meagher S&P Capital IQ
6
FLEXIBLE BENEFITS FROM MCGRAW HILL FINANCIAL
While this selection of benefits may not be at the forefront of your mind they can certainly be the most important. Choose from a range of options that can give you and your family financial support when you need it most. PENSION CONTRIBUTIONS Saving for retirement is something that we all have to think about. A big part of your retirement income is likely to be our defined contribution group personal pension plan – so it’s worth making the most of it. Your contributions will be enhanced by your Income Tax and National Insurance savings, as well as McGraw Hill Financial’s top-up contributions. If for any reason you do not join the pension plan and you meet the pension autoenrolment criteria, you will be automatically enrolled into the pension plan at the minimum contribution level.
BONUS WAIVER If you are rewarded with a discretionary bonus, you can decide to pay some (or all) of it into your company pension. This could significantly boost your retirement fund – particularly as you won’t have to pay Income Tax or National Insurance on the money invested. However, it may be a good idea to get financial advice first, so you can be sure this is right for you.
NEW FOR 2014 More flexibility to create a personal risk benefit package that’s right for you. We automatically give all of our employees a core level of life assurance, critical illness and income protection cover, the full cost of which is paid for by McGraw Hill Financial. However, flexfirst now gives you the opportunity to add
to this complementary cover with a voluntary option to increase cover beyond the core level, within limits, so you can shape your core risk benefits package to meet the needs of you and your family. You will pay the difference between the core cost and any additional cover you select.
GROUP LIFE ASSURANCE No-one likes to think about it, but you can make sure your family will be cared for if anything were to happen to you. They could receive a lump-sum payment worth a multiple of your reference salary. Receive a core level of two times your reference salary with a voluntary option to select an additional eight times reference salary (the maximum overall benefit limit is ten times reference salary)*. After your first election, in subsequent annual enrolment or lifestyle event windows you will only be able to increase cover in steps of two times reference salary. Underwriting may be required. * Former members of the DB Plan should contact Helm Godfrey for further information as certain conditions apply.
GROUP INCOME PROTECTION A long-term illness or sudden disability can make life very difficult, so the last thing you want to worry about is money. With this protection in place, you’ll receive a percentage of your reference salary for as long as your condition persists. Full terms and conditions are available on the website.
Receive a core level of 50% of reference salary with a voluntary option to select an additional 10% or 20% cover to a maximum of 70% of reference salary. After your first election, in subsequent annual enrolment or lifestyle event windows you will only be able to increase cover in steps of 10%. Medical underwriting may be required.
GROUP CRITICAL ILLNESS Living with a critical illness can have lots of financial repercussions. You may need to change your lifestyle, buy equipment to help you cope day to day, or even alter your home. With this cover, you’ll get financial support in the form of a lump-sum payment that could help you meet these costs. Receive a core level of two times your reference salary with a voluntary option to select an additional two times reference salary (the maximum overall benefit limit is four times reference salary, or £500,000 whichever is lower). After your first election, in subsequent annual enrolment or lifestyle event windows you will only be able to increase cover in steps of one times reference salary.
PARTNER OPTIONS If you’re in a long-term relationship, you may want to get cover for your partner as well – particularly if you have children. That’s why we offer the option of adding your other half to our life assurance and critical illness insurance. There are full details of your options on the flexfirst website.
PERSONAL ACCIDENT
Accidents can happen at any time, so it’s good to be prepared. With this cover, you’ll get a lump-sum payment if you’re injured or disabled, which could help you cope – whether it’s giving you time to recover, helping you buy assistance equipment or funding lifestyle changes. If you were to die from the accident, your family could receive a lump-sum payment.
IMPORTANT INFORMATION Please bear in mind that the law does not permit McGraw Hill Financial to provide personal investment advice in respect of any pension or life assurance matters because it is not qualified to do so and will not have adequate information to provide such advice in any event. Consequently, before contracting into or out of any McGraw Hill Financial benefits (including without limit pension or life assurance related benefits) you should take timely independent expert financial advice. The complex financial and tax consequences of accepting/rejecting various benefits and the ability to mitigate such consequences may have a significant adverse impact on your wealth. You may then need to inform us of any actions you have been advised to take based on the advice received, before the start of, and during your employment with us. Please note that the selection of and participation within any or all of the risk benefits is subject to the terms and conditions of the insurance policy. TO FIND OUT MORE VISIT: WWW.FLEXFIRST.CO.UK
7
FLEXFIRST: HEALTH & WELLBEING One of the best gy ms in London is across th e road. It’s so easy to fit in a lunchtime class or play basketball after work. Sohko Fujimoto
S&P Capital IQ
8
FLEXIBLE BENEFITS FROM MCGRAW HILL FINANCIAL
Whether you work out at the gym or need a full body MOT, here are options that could protect the health and wellbeing of you and your family. PRIVATE MEDICAL INSURANCE
DENTAL INSURANCE
GYM MEMBERSHIP
Make sure that you and your family get swift access to any treatment you may need, with private medical care. With our subsidised plan, you can choose health cover that suits you – and when you need treatment, it will be timely and convenient. McGraw Hill Financial will meet the cost of cover for you with an option for you to add your dependants at your own cost.
Here’s something to smile about – we can help with the cost of dental care for you and your family. You can claim back some or all of the money you spend on dental treatment. With a range of cover options available, it could pay for everything from check-ups to crowns.
Get yourself in shape for less with our subsidised gym membership. Choose to train at Reebok or Virgin Active gyms in Canary Wharf. With Virgin Active, you can make your subscription ‘multi-club’ or alternatively you can get a corporate rate directly at other Virgin Active gyms instead, though it won’t be subsidised.
HEALTH ASSESSMENTS Give your body an annual MOT! We can help you and your partner spot minor issues before they become a problem. Our health assessment looks at a range of factors – from lifestyle and health risks to diet and drinking – and explains how these could affect you now and in the future.
HEALTH CASH PLANS Prepare yourself for any unexpected medical costs. Cash plans give you a cash lump sum when you incur medical expenses. There’s a range of plans with different levels of cover, which means they could be a good alternative to private medical insurance, or a way to enhance your cover.
CANCER SCREENING Our cancer screening programme provides you with the opportunity to have on-site screenings to detect any early signs of cancer. The tests are concentrated around the types of cancer for which studies have shown early detection through screening gives an increased survival rate. The tests are noninvasive, take no more than 30 minutes and have no adverse effect on your body.
BREAST CHECK ESSENTIALS
EMPLOYEE ASSISTANCE PROGRAMME When times are difficult, it helps to talk. This confidential telephone service gives you access to experienced professional counsellors – all day, every day. They could support you with many personal or workplace challenges, including debt problems, relationship difficulties, alcohol and drug misuse, loss of confidence, stress or bereavement.
Breast cancer can be detected early, so we now offer on-site clinical breast checks. You can discuss your family history, lifestyle choices and cancer risk with a fully trained breast nurse. If any issues are raised, you will be referred to your own healthcare professional for further investigation.
TO FIND OUT MORE VISIT: WWW.FLEXFIRST.CO.UK
9
FLEXFIRST: LIFESTYLE
are Retail vouchers orget fantastic. You f them and so t h g u o b e ’v u o y a surprise it’s like getting d bonus at the en of the month. Carol Joyce S&P Capital IQ
10 FLEXIBLE BENEFITS FROM MCGRAW HILL FINANCIAL
We know that work is only one aspect of your life and so flexfirst has been designed so you can make the most of your free time. These practical benefits could give you more control over your work/life balance and help you save money on the things you love. FLEX HOLIDAYS
PERSONAL TRAVEL INSURANCE
OFFERSFIRST
Are you planning an exciting holiday, project or house move? We can help give you the time you need by offering the opportunity to buy up to five extra days of holiday this year. Alternatively, if you’re not planning to go away, you can choose to sell up to two days of your holiday allowance, which will boost your takehome pay.
Holidays are one of the highlights of the year and the personal travel insurance scheme can help protect you and your family while you’re away. This worldwide travel insurance gives you comprehensive cover for accidents, medical emergencies and bills, legal problems, cancellations and loss or damage to possessions, including cover within the UK if it includes an overnight stay or flight.
Take advantage of the excellent discounts and cashback offers available through our employee discounts website, Offersfirst, where you can earn money whilst shopping online find great offers in-store and for other services. Whether you’re doing your regular food shopping, planning a holiday, buying electronics or financial products, or doing your Christmas shopping, there is something for everyone.
CHILDCARE VOUCHERS If you have a young family, you’ll know how expensive childcare can be. Pay less by exchanging your salary for childcare vouchers (which are accepted almost everywhere) so that you make savings in Income Tax and National Insurance.
CYCLE TO WORK Cycling to work will save you money and get you fitter. If you’d like to start, we can help with the costs of your commute. Buy bikes and/or accessories through the Cycle to Work scheme and the payments can come from your pre-tax income.
RETAIL VOUCHERS Whichever shops are your favourites, we can save you money with exclusive discounts on vouchers for over 20 major highstreet companies – from supermarkets to department stores. For example, you’ll save 7% at John Lewis, 9% at Debenhams, 8.5% at Topshop/Topman, 7.5% at Currys Digital and 4% at IKEA.
These exclusive savings are not part of our salary exchange scheme, so all you have to do is register on www.offersfirst.co.uk which you can access all year round.
Treat yourself with discounts and cashback offers!
TO FIND OUT MORE VISIT: WWW.FLEXFIRST.CO.UK 11
FLEXFIRST: FURTHER BENEFITS
Many new em ployees have said that our r ange of benefits were t he deciding factor in joinin g us over other companie s.
Indy Bolina
Corporate
12 FLEXIBLE BENEFITS FROM MCGRAW HILL FINANCIAL
Here are some additional benefits that could help you along the way.
DISCOUNTS ON BOOKS AND MAGAZINES
SEASON TICKET LOAN
BACKUP CARE
BUSINESS TRAVEL INSURANCE
Enjoy discounts to any magazines or publications produced by McGraw Hill Financial, such as Architectural Record and Standard & Poor’s ‘The Outlook’. Take advantage of these discounts yourself or give a subscription as a gift.
Travelling costs can be a significant expense. If you need a season ticket, we can help by paying the costs up front. We’ll give you an interest-free loan that will then be reclaimed through regular deductions from your net pay (in other words, after you have paid Income Tax and National Insurance). Any loan over £5,000 may have tax implications. If you leave the company before the loan has been repaid, you will need to pay the balance in full.
McGraw Hill Financial recognises that it can be difficult to juggle the demands of work and family. Arranging backup care can be stressful and time consuming when your regular care arrangements break down or you have an emergency. MyFamilyCare is a specialist provider of backup care services and they are always ready to help. If you get stuck with a school closure or need emergency care for a family member, for example, they can provide you with quality, reliable last-minute care.
McGraw Hill Financial provides all employees who are travelling on business with travel insurance. The policy provides cover for medical expenses, personal belongings, business equipment, money, disruption, personal liability, legal expenses, political and natural disaster evacuation, hijack, kidnap, ransom and extortion and personal security specialist expenses. It is recommended that you take the insurance details with you when you travel. These can be downloaded from the flexfirst website.
EYE TESTS AND GLASSES If you use display screen equipment at work each day, you can claim a free sight test every year. Just contact Human Resources for your Eye care Vouchers. If the test shows that you need glasses or contact lenses for use solely with a computer screen, McGraw Hill Financial will contribute to the cost (currently £55).
PROFESSIONAL SUBSCRIPTIONS To help give your skills and career a lift, we are happy to provide up to £300 a year towards membership of professional associations (as long as they are job related, of course). You’ll need to get written approval from your line manager to take advantage of this benefit.
EMPLOYEE REFERRAL AWARD We want to attract the best people to join McGraw Hill Financial. If you know someone who would be a great addition to our team, please let us know. We’ll thank you with an incentive award through payroll if they are hired. (Of course, this payment will be subject to Income Tax and National Insurance.)
TUITION FEES PROGRAMME Are you inspired to study? If the course is job-related, we will pay 100% of eligible registration and tuition fees – up to a maximum of £3,000 a year. You must be able to demonstrate that the course is provided through a recognised institution – such as a business college or professional body – and it will need to be approved by your division head and Human Resources. To find out more and check that your course qualifies, contact your local HR representative. Please note, if you leave the company within two years of finishing the course, you will need to reimburse some of the costs.
GIVE AS YOU EARN (GAYE) If you want to make regular charitable donations you can do so directly from your pay (attracting full tax-relief) to Charities Aid Foundation (CAF). CAF will either pay your donations direct to the charity(ies) you wish to support or alternatively you may establish an account, with you making donations at a time which suits you.
ANNIVERSARY HOLIDAY Once you have completed a year of service you are entitled to receive one additional days holiday, known as the ‘anniversary holiday’, which is an extra day to celebrate the date you joined the Company. This should be taken during the week in which you joined the Company.
TO FIND OUT MORE VISIT: WWW.FLEXFIRST.CO.UK 13
YOUR QUESTIONS ANSWERED
To help you get to know flexfirst, we’ve provided answers to some common queries. If you have any further questions, you can look on the website at www.flexfirst.co.uk, email Helm Godfrey at mhfi@helmgodfrey.com or call 0207 614 1045.
WHEN IS THE FLEXFIRST YEAR?
HOW MUCH CAN I SELECT?
The flexfirst year runs from 1 January to 31 December.
You have a great deal of freedom in how you choose your benefits, but the law prevents you from effectively reducing your annual ‘cash’ salary to below the National Minimum Wage. Similarly, you are not able to make choices that would take you below the Lower Earnings Limit for National Insurance contributions. Some choices may also affect your ability to claim state benefits. It is worth speaking to HMRC to talk through all these issues if you are unsure where you stand.
CAN I MAKE CHANGES TO MY BENEFITS DURING THE FLEXFIRST YEAR? If you experience a significant change to your personal circumstances during the year (we call this a ‘Life Changing Event’), you can alter your benefits. Some examples include: ∫ marriage, civil partnership or moving in with a partner full time ∫ divorce or permanent separation ∫ birth or adoption of a child ∫ death of a spouse or partner, civil partner or dependant child ∫ your spouse or partner being made redundant ∫ commencement or return from maternity, paternity or adoption leave ∫ significant change in salary or working hours If you want to change your benefits as a result of a Life Changing Event, please contact Helm Godfrey on 0207 614 1045 or mhfi@helmgodfrey.com.
CAN I GET PROFESSIONAL ADVICE ON WHAT SELECTIONS I SHOULD MAKE? McGraw Hill Financial is unable to give you advice on your selections. However, you can contact Helm Godfrey on 0207 614 1045 or mhfi@helmgodfrey.com for further information and you are free to take independent financial advice.
14 FLEXIBLE BENEFITS FROM MCGRAW HILL FINANCIAL
WHAT IF I WORK PART-TIME? The value of salary-related benefits will be based on your prorated salary, which reflects your reduced hours. For non-salaryrelated benefits, such as Private Medical Insurance, you will be able to exchange salary under the same conditions as a fulltime employee. Flex holiday choices will be presented in hours.
WHAT IF I’M NEW TO MCGRAW HILL FINANCIAL? If you join McGraw Hill Financial during the year, you will be eligible to join the flexfirst scheme in your third month of employment but some benefits are only available during the annual enrolment period.
WHAT HAPPENS IF I LEAVE THE COMPANY AFTER JOINING FLEXFIRST? Reductions to pay will be made according to the choices you have selected and will be subject to the individual benefit rules.
WHO CAN I SPEAK TO WITH MORE QUESTIONS? Please contact Helm Godfrey on 0207 614 1045 or mhfi@helmgodfrey.com. They are McGraw Hill Financial’s employee benefit consultants and their experts will be able to help with all your queries.
MORE INFORMATION FOR YOU TO KNOW
The details of all cash and non-cash benefits provided to you in this guide are not intended to have any legal or binding effect or form part of any contract between you and McGraw Hill Financial and are given for information purposes only. All of the benefits referred to in this guide and within the flexfirst website are governed by their own provider’s applicable terms and conditions in force from time to time and may be subject to change. The decision of the third party benefit provider is final. McGraw Hill Financial reserves the right to terminate any of its benefit schemes with no obligation to put in place replacement schemes, substitute other schemes, or alter the terms and/ or benefits available to you under the schemes. If a scheme provider (e.g. an insurance company) refuses for any reason (whether under its own interpretation of the terms of the relevant insurance policy or otherwise) to provide the relevant benefit(s) to you under the applicable scheme, McGraw Hill Financial shall not be liable to provide, or compensate for the loss of, such benefit(s). You should always refer to the governing terms of any benefit or insurance scheme to understand; ∫ How it operates ∫ In what circumstances you may or may not be eligible to participate ∫ In what circumstance you may or may not qualify for a payment or any other benefit or entitlement Your participation in flexfirst is subject to the terms of your benefit selections and the applicable terms of each benefit option you select. The terms of each policy are available from the flexfirst website. The benefit options are in force until 31 December 2014, subject only to change after a Life Changing Event as described earlier in this brochure.
Please bear in mind that the law does not permit McGraw Hill Financial to provide personal investment advice in respect of any pension or life assurance matters because it is not qualified to do so and will not have adequate information to provide such advice in any event. Consequently, before contracting into or out of any McGraw Hill Financial benefits (including without limit pension or life assurance related benefits) you should take timely independent expert financial advice. The complex financial and tax consequences of accepting/ rejecting various benefits and the ability to mitigate such consequences may have a significant adverse impact on your wealth. You may then need to inform us of any actions you have been advised to take based on the advice received, before the start of, and during your employment with us. All reasonable efforts have been made to ensure that all information provided in this guide is accurate. However, there may be inadvertent or occasional errors, for which we do not accept liability. McGraw Hill Financial has been working with Staffcare Ltd to administer the flexfirst system. Substantial checks have been made on their data security arrangements and McGraw Hill Financial has been satisfied that they meet our exacting standards. Base salary Flex salary
Flex salary
The tax information provided in all flexfirst literature is based on current tax legislation, HMRC interpretation and approach at the time of going to print. Our literature has been provided as a guide only and is not legally binding. McGraw Hill Financial cannot be held responsible for any errors, omissions, changes in law or interpretation which may result in the Income Tax/ National Insurance position being different to that stated.
TO FIND OUT MORE VISIT: WWW.FLEXFIRST.CO.UK 15
WHO TO CONTACT
BENEFIT
PROVIDER
PHONE
For general benefit queries
Helm Godfrey
0207 614 1045
mhfi@helmgodfrey.com
Private medical insurance
Bupa Healthcare Select
0845 609 0444
mhfi@helmgodfrey.com
Health assessments
Nuffield
0845 230 2040
mhfi@helmgodfrey.com
Health cash plans
Bupa Cash Plans
0845 606 6003
mhfi@helmgodfrey.com
Dental insurance
Bupa
0800 237 7777
mhfi@helmgodfrey.com
Childcare vouchers
Faircare
0800 652 4745
admin@faircare.co.uk
Personal travel insurance
Millstream Underwriting Limited
0845 643 2629
claims@mstream.co.uk
Business travel insurance
Chubb
01243 621 250
medicalassistance@chubb.com
Employee assistance programme
Legal & General/PPC Worldwide
0800 316 9338
mhfi@helmgodfrey.com
FOR SPECIFIC CLAIMS/QUERIES