PENSION
In-Comm Training & Business Services Ltd operates a pension plan with Aviva for your benefit and in a way that meets our duty to automatically enrol and provide pensions for our employees.
Pensions might seem complicated, but the basic idea is a simple one. A pension is designed to provide you with money in retirement. You will have your own pension pot and have control over how much you contribute, where your money is invested and how you access your pot.
You are required to contribute at least 3% of your pensionable earnings into the plan every month. Pensionable earning are defined as your basic salary. Your contribution is taken from your pay after tax. The amount taken is reduced by basic-rate tax (20%) before being paid to Aviva. For example, a £20 contribution will be reduced to £16.
When your contribution is received by Aviva, the 20% basic-rate tax relief will be added back on to your contribution.
As long as you contribute at least 3%, In-Comm will also pay 7% of your pensionable earnings into the plan. You can contribute more than 3% but our contribution is capped at 7%.
We will enrol you into the plan automatically if you meet the conditions. However, you have the right to opt out of the plan. You will receive details of how to opt out from Aviva after you have been enrolled.
DEATH IN SERVICE
This is a non-contributory life insurance scheme that will pay a benefit if you were to die while you are included in our scheme. The scheme covers you for an amount equal to three times your salary. The lump-sum payment doesn’t usually form part of your estate, so it should be free of inheritance tax, and the premium is not classed as a benefit in kind, meaning you do not need to pay any additional taxes.
HOLIDAYS
You are entitled to 25 days holiday plus statutory bank holidays per holiday year (pro-rata for part tine). The holiday year runs from 1st January to 31st December. All holiday must be taken by the end of the calendar year in which it is accrued unless there are exceptional circumstances and other arrangements have been agreed in advance by your director. Any outstanding holiday entitlement not so taken is lost.
New for 2025 sees us re-evaluate our offer for long service and everyone from the 1st January 2025 will gain the following extra holidays at intervals shown as part of our appreciation for your commitment and dedication. All existing employees will be re-aligned to these as and when a further milestone is reached.
Additional holidays
• 1 day after 3 years
• 1 day after 5 years making 2 in total
• 1 day after 8 years making 3 in total
• 1 day after 10 years making 4 in total
• 1 day after 15 years making an extra week in total
SERVICE AWARDS
As with our re-evaluation of holiday for long service we have also looked at the offer for service awards and as from the 1st of January 2025 you will gain the following:
• Years 1 & 2 a congratulations card
• Year 3 - £50 Gift Voucher
• Year 5 - £200 or 1 extra day holiday to be taken in the year
• Year 8 - £300 or 2 extra days holiday to be taken in the year
• Year 10 - £500 or 2 extra days holiday to be taken in the year
• Year 15 - £750 or 3 extra days holiday to be taken in the year
• Year 20 - £1000 or 4 extra days holiday to be taken in the year
• Year 25 - £1500 or 5 extra days holiday to be taken in the year
Additional
• Commemorative glassware at years 10 & 15
• Commemorative watch at Year 20
• Certificate at years 5, 10, 15, 20 & 25
• Annual celebratory meal for anyone with over 20 years’ service
SICKNESS PAY
Should you be unfortunate enough to have to take time off sick, In-Comm will pay normal salary during this absence according to the rates as detailed below:
Length of service Payment Period
6 months to 1 year 5 days
2 years + 10 days
Any benefit over and above that shown above will be at the discretion of the Executive Director.
PAYCARE
In-Comm have teamed up with Paycare to offer our employees a non-contributory Health cash plan, which offers a simple way to claim back money you spend on everyday healthcare.
The plan allows you to claim 100% of the cost of a wide range of everyday health expenses up to your annual limit, including:
EVERYDAY HEALTH & WELLBEING
• Optical - Including sight tests, glasses and contact lenses to a value of £60
• Dental - Including checkups and routine treatment. Private or NHS to a value of £60
• Chiropody – to a value of £50
PREVENTION & FAST DIAGNOSIS
• Health Screening - Including mammography & heart disease screening to a value of £80
• Specialist Consultation & Tests - Including MRI scans, X-rays and PMI excess to a value of £200
PROFESSIONAL THERAPY
A wide range of treatments to a value of £160 including:
• Physiotherapy
• Osteopathy
• Chiropractic
• Acupuncture • Homeopathy • Hypnotherapy • Reflexology
PAYCARE
PLUS YOU ALSO GET:
• MyPocket GP - Helping you to access GP services literally at the touch of a button, whether they’re at home, in the office, on the road or even abroad
• Paycare Perks - The discount platform helps you look after your financial health with discounts on cinema tickets, restaurants, family days out, and more!
• Paycare Helpline - Supporting your most valuable assets when they need it the most - from a 24-hour counselling service to tax and legal advice
• Health Assessment - Helping you look after your own health and wellbeing with a simple online questionnaire and steps to becoming even healthier
• Redundancy Premium Protection – Should the worst happen the policy offers up to 6 months’ FREE cover, subject to qualifying criteria. Ensuring your health and well-being are looked after through this difficult time
• Wellbeing and Alternative Therapy – Additional support element covering a range of wellbeing and alternative therapies including Reiki treatment, Bowen technique, Alexander technique, Allergy testing, Indian Head Massage and Hopi Ear Candle treatment. Claim back up to £50 per year
PRIVATE MEDICAL INSURANCE
In-Comm is pleased to offer private medical insurance, either included in your role as part of certain employment levels or as a benefit, where you can access it at a much-reduced rate.
The AXA Health Plan takes some worry out of accessing healthcare. It covers private medical treatment for new conditions and includes access to online private GP services.
If you wish to enquire about the private medical insurance at a much reduced rate please in the first instance speak to the Executive Director. The reduced rate given by the medical insurance company will be dependent upon current state of health and the cost will be based on individual circumstances.
OCTOPUS ELECTRIC VEHICLES
In-Comm have partnered with Octopus EV to bring you the opportunity to participate in a salary sacrifice/exchange scheme enabling you to afford to drive a new EV or nearly new (no older than 18 months old).
WHAT IS SALARY SACRIFICE/EXCHANGE?
• A scheme that enables you to save up to 40% depending on individual circumstances on the cost of an EV
• In-Comm has a lease agreement in place to enable you to select from a whole range of new or nearly new cars
• You give up a portion of your gross pay (before tax and NI) to pay for the car each month.
Your monthly payment isn’t just for the car, it includes all of this!
• A new or nearly new EV.
• Fully comprehensive insurance.
• Maintenance, road tax, MOT.
• Replacement tyres.
• AA Breakdown.
• A free home charger with installation plus 4000 miles of home charging if you switch to Intelligent Octopus Go tariff.
• If you don’t have off-street parking for a charger then you will receive Octopus Electroverse credit for 4000 miles of free public charging.
OCTOPUS ELECTRIC VEHICLES
Everyone’s circumstances will be different, things that will affect the price you pay could include:
• Your salary.
• Your tax band.
• The amount of miles you do each year.
• The term you want the vehicle for.
You will not be eligible if your pay, after salary sacrifice/exchange and any other deductions (such as pension) takes you pay below National Minimum Wage.
For more information about this benefit speak to HR.