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Freshen up for 2019

Mind the Gap! Has the End of Childcare Vouchers Left a Hole in Your Employee Benefits Programme?

With effect from October 2018, the long-running employer supported Childcare Voucher (CCV) Scheme closed to new applicants, to be replaced by the new, government-run Tax-Free Childcare Scheme (TFC).The original CCV scheme operated on a salary exchange basis. It was hugely popular with working parents, and according to government statistics*, more than 50,000 employers made the scheme available to staff through their employee benefit programmes.If your business was one of them, the closure of the scheme will have left a gap in the package of benefits you offer to your staff.But the end of the scheme also presents a great opportunity for you to freshen up your employee benefits programme. Instead of simply leaving a gap, why not replace CCV with one or more new employee benefits to help ensure your business continues to attract, motivate and retain the best staff?

At Gemelli, we have a wide selection of benefits for employers to choose from:

Salary Exchange Benefits
We have a number of Salary Exchange Benefits which operate in exactly the same way as the CCV scheme, with employees opting to exchange part of their salary in return for a benefit. These schemes cost nothing for you to implement and save both you and your employee money:

  • Gemelli Cycle to Work Scheme
    2019 is nearly here, and soon many of your staff will be making New Year resolutions to lead healthier lifestyles. The perfect time to introduce our Cycle to Work Scheme into your business and give your employees a real incentive to start cycling to work. Through the scheme, your employees can save up to 42% on the cost of purchasing a brand-new bike and essential safety accessories, with the option to spread repayments over 12 or 18 months. Your business will benefit too. You will have a fitter, healthier, happier and more motivated workforce, save on Employer’s NI contributions and improve your environmental credentials!
  • Gemelli Holiday Exchange Scheme
    Our Holiday Exchange Scheme gives your staff increased flexibility over their holiday allowance, enabling them to exchange part of their salary for additional days if they need them. It means staff are able to accommodate a wide range of events that would otherwise take them over their fixed holiday allowance. As well as helping your staff manage occasional work-life challenges, the scheme boosts workplace and saves your business and your employee money. Tax and NI savings mean employees can reduce the cost of purchasing unpaid leave by up to47% and spread over 12 months, while you save on payroll costs and Employer’s NI contributions, and benefit from reduced absenteeism.
  • Gemelli Car Leasing Scheme
    We’ve teamed up with a leading car benefit company to offer a scheme that gives your employees the opportunity to drive a brand-new car for a fixed price. One monthly payment covers all motoring outgoings including insurance, road tax, replacement tyres, breakdown cover, servicing, MOT and maintenance: everything in fact apart from fuel. The scheme requires no deposit payment, there is no check on credit history. All cars on the scheme have their carbon offset to make them carbon neutral, and if you want to, you can opt to introduce a CO2 emissions limit for cars in your fleet to help your business meet its environmental objectives.

Voluntary Benefits
We have an extensive selection of Voluntary Benefits to help your employees make their money go further. Our schemes encompass a diverse selection of products and services, offering money saving deals and discounts which any members of your team can choose to take up, paying for them themselves through payroll deferral:

Save as You Learn - Parking at Work - Health Screening - Cycle Insurance - Home Utilities - Health Cash Plans - Wills & Estates - Total Motor Assist - Funeral Care

Gemelli Employer Paid Benefits
Demonstrate to your staff how much you appreciate them by registering for one of our Employer Paid Benefits. We have schemes to enhance all aspects of your employees’ lives, and once you’ve signed up to a scheme, anyone in your team can take advantage.

Reward  & Recognition - Retail Discounts - Gym Membership - Health Cash Plans - Employee Assistance - Life Assurance - Pensions - Private Medical

Let Us Help You Make Easy Work of Managing All Your Employee Benefits
Collate and manage all the benefits you offer your team through My Benefits Base, an online portal branded to your business and linked to your website or intranet. Our solution gives your employees and management secure access to information on all the schemes you provide, improves communication and reduces administration.

Freshen Up Your Employee Benefits Programme for 2019
If your employee benefits programme still has a hole where your CCV scheme used to be, fill the gap ready for the start of 2019. For help and advice on freshening up your programme for the New Year, call us now on 01280 851113, or email us.

* http://researchbriefings.files.parliament.uk/documents/CBP-8055/CBP-8055...

A New Bike this Christmas?

Get fit & save money in 2019 with the Gemelli Cycle to Work Scheme

Bikes and Christmas were made for each other – few other things manage to combine excitement and practicality in equal measures. Using a bike to commute makes a lot of sense – it’s fun, relatively inexpensive and a great way to stay healthy. If it’s something you’ve been thinking about but not got around to yet, our Cycle to Work scheme is just the incentive you need to get in the saddle. 

Cycle to Work is a Government initiative to encourage more people to use bikes as a greener way to travel to and from work. The scheme operates on a salary exchange basis, which means an employee can select to exchange part of their salary to cover the cost of a bike and safety accessories up to a value of £1,000 – without having to pay Tax or National Insurance on the value. It means you can save up to 42% on the cost of a brand new bike and/or accessories. What’s more, you can spread the payments over 12 or 18 months.

Get a new bike from wherever you like...

Getting your bike couldn’t be easier. You simply select the model you want – from the cycle retailer of your choice, and Gemelli will take care of everything else – from completing the paperwork, liaising with your supplier and organising delivery!

Benefits to Employees

  • Save up to 42% on a bike and accessories
  • Spread cost over 12 or 18 months
  • Use bike supplier of your choice
  • Improve health and fitness levels

Benefits to Employers

  • Save on Employer’s NI contributions
  • Improves environmental credentials
  • Supports the Green Travel Plan
  • Contributes to reducing absenteeism and increasing productivity
  • Scheme is self-financing

Get your bike in time for Christmas

To find out more about the Gemelli Cycle to Work scheme – and to make sure there’s a new bike under your Christmas tree this year, call us now on 01280 851113, or email us.

Benefits Base


The smart way to manage Employee Benefits...

Employee benefit schemes are a permanent fixture on the workplace landscape. Successful organisations recognise the important role they have to play in helping to recruit, motivate and retain the brightest and the best, and employees love the added value and increased flexibility they deliver. Of course, every employee is unique, which means the key to a really effective benefit programme is to offer staff a diverse range of benefit options, so they can select to take up those that best suit their individual requirements and circumstances. Easy to say, but the challenge for employers is how to communicate and manage multiple benefits – likely to be supplied by several providers, while keeping the impact on internal resources to an absolute minimum. Exactly the problem we set out to address when we developed My Benefits Base, a highly cost-effective solution that reduces the time required to manage and administrate employee benefit schemes – while helping to increase their uptake and effectiveness.


My Benefits Base - Highlights

Host all your employee benefits in one location: Linked to your corporate website or intranet, My Benefits Base is an online portal where you can collate all the employee benefits you offer your team – not just those supplied by Gemelli, but by other providers too.

Reduce your admin: By making all scheme details and forms available online, My Benefits Base significantly reduces internal communication and administration. All information, FAQ’s and registration facilities relating to benefits provided by Gemelli are administered by us.

Increase scheme uptake: My Benefits Base makes keeping staff updated with any changes to benefit packages quick and cost-effective.

Easy, convenient access from anywhere, anytime: Employees and management can securely access My Benefits Base from any device at any time to see information on core benefits, salary sacrifice and voluntary benefit schemes. As well as supporting information and links to benefits from other providers, My Benefits Base can also be used to host in-house benefits such as employee allowances and discount schemes.

Branded to your business: My Benefits Base is branded to your business, with your logo and any bespoke content you want included. 


Contact us to arrange a demonstration

Call us on 01280 851113, or email us.

Car Benefit Scheme

A new car & the chance to WIN the first year FREE

Car ownership brings freedom and independence – but it also brings bills, and worrying about the cost of motoring can take the fun out of driving. Not anymore. Gemelli have teamed up with Tusker, the UK’s leading car benefit company, and we’re delighted to be able to offer a scheme that gives employees the opportunity to drive a brand-new car for a fixed monthly payment that includes all motoring outgoings apart from fuel. What’s more, anyone placing an order for a brand-new car through Gemelli’s Car Benefit Scheme before 31st May 2018 will have the chance to win their first year FREE – paid for by Tusker! *    *(Terms & conditions apply – tuskerdirect.com/bigprize)


Gemelli Car Benefit Scheme Highlights

No deposit, no credit checks - The scheme requires no deposit payments and no checks on credit history

No bills – just add fuel - One monthly payment covers everything including insurance, road tax, replacement tyres, breakdown cover, servicing, MOT and maintenance. All drivers need to do is add fuel

Better for the environment - All cars on the scheme have their carbon offset to make them carbon neutral, and in adition, employers can select to introduce a CO2 emissions limit for cars in their fleet. So, as well as being a great way to help employees drive new cars, the scheme can help a business meet its environmental objectives too.

Tax & NI savings for ULV drivers - Employees who opt for Ultra Low Emission Vehicles (ULEVs) with CO2 emissions of 75 and below can take advantage of tax and NI savings.

Low cost & easy to implement - The scheme costs little for employers to implement, is risk-free, hands-free and can be introduced into companies with any number of employees. Gemelli’s clever online system reduces admin to make running the scheme simple, and we work with employers to promote the scheme and ensure it’s easy for staff to take up.


Example savings - Audi A3 Sportback SE 1.6 TDI

Gemelli Car Scheme
Mileage: 10,000
Term: 36 Months
Deposit: £0
APR (%): n/a
Net cost/month
£362.89
Cost/month INCLUDING DEPOSIT
£362.89
Insurance: INCLUDED
Road Tax: INCLUDED
Breakdown Cover: INCLUDED
Tyres: INCLUDED
Service (Labour & Parts): INCLUDED
Early Termination Protection
INCLUDED
End of Agreement
Optional price to purchase based
on market value & condition
Net cost/month
£362.89
Personal Contract Purchase
Mileage: 10,000
Term: 36 Months
Deposit: £3000
APR (%): 6.3%
Net cost/month
£248.88
Cost/month INCLUDING DEPOSIT
£332.21
Insurance: £41.68
Road Tax: £15
Breakdown Cover: £4.17
Tyres: £11.42
Service (Labour & Parts): £36.17
Early Termination Protection
NOT INCLUDED
End of
Agreement
£11 461.75
Net cost/month
£440.55

 

 


A new car in time for summer

Save money, enjoy worry-free motoring – and win your first year of motoring absolutely FREE!* For more details on the Gemelli Car Benefit Scheme, call us now on 01280 851113, or email us.

New Deadline for Childcare Vouchers


Childcare Voucher Scheme...NEW deadline

The Government recently announced that its new Tax-Free Childcare scheme will be introduced in a phased process throughout 2017/18. To be eligible to qualify for this new scheme, which will initially only include children under 5 years, both parents have to be working. The Government propose to extend the age limit to include children under 12 years within the first twelve months.  Once the new Tax-Free Childcare scheme is introduced parents will not have the option of joining the current Childcare voucher scheme.

The current Childcare Vouchers scheme was set to close to new registrants on 5th April 2018. However, on March 13th the Education Secretary announced the decision to extend the Childcare Voucher scheme for a further six months. The date by which parents must register for the existing scheme has not yet been confirmed but it is thought that the deadline date will be sometime in October 2018. Parents who are signed up for Childcare Vouchers before this new deadline will have the choice of either continuing to take childcare vouchers or switch to the new scheme if they wish (subject to staying with the same employer and not taking an unpaid career break of longer than a year). Take a look at the current scheme versus the new scheme and see which scheme suits you best. Don’t miss out on the chance of registering for Childcare Vouchers.

Guide to ChangesWhich Scheme?Countdown Poster


There’s Still Time to Register for Childcare Vouchers…

The two schemes are different, and which one is best for a parent will depend on their personal circumstances. Once registration for the Childcare Voucher Scheme closes however, parents will no longer have a choice. To meet the HMRC deadline, parents need to register before the expected deadline in October 2018 but to allow time for the completion of paperwork and payroll deductions.


Childcare Voucher Scheme – Key Points

  • Under the Scheme, which operates on a Salary Exchange basis, a parent can opt to exchange up to £243 of their salary for childcare vouchers each month – free of tax and NI. A basic rate tax payer can save up to £933 per year on the cost of childcare, while a higher rate tax payer can save up to £623.  These savings are per person and can be doubled for a working couple.
     
  • Vouchers can be used for children up to and including15 years old – 16 years if registered disabled.
  • Vouchers can be used to pay for day, weekly and termly boarders, holiday clubs, nurseries, nannies, child-minders, and breakfast and after-school clubs as well as tutoring. Childcare providers must be registered with, and regulated by the appropriate authorities.

  • Parents can choose to pay as little as £10 per month into the scheme.

  • Vouchers can be backdated to the beginning of the current tax year *(April 2017), and parents can select to use as little or as much of their allowance as they wish to. (Subject to certain criteria*)


Register now and beat the deadline....

Register for Childcare Vouchers NOW and you will have the option to stay in the scheme or switch to the new government-run TFC scheme any time in the future. If you don’t register before the deadline, you will forfeit your option to participate in the Childcare Voucher Scheme. Don’t miss out. Call us now on 01280 851113, or email us.

Last Chance for Childcare Vouchers


Childcare Voucher Scheme...Urgent Information

HMRC has issued an update regarding the closure of the employer supported Childcare Voucher Scheme which will close to new applicants from 6th April 2018, and be replaced by Tax-Free Childcare, the new government-run scheme, HMRC has confirmed that all parents registering onto the current Childcare Voucher Scheme in time to receive their first voucher by 5th April 2018** will be able to continue on the scheme after this date*. *Subject to staying with the same employer and not taking an unpaid career break of longer than a year. **You must register for the existing Childcare Voucher scheme before your company’s MARCH 2018 PAYROLL CUT-OFF DATE AND RECEIVE YOUR FIRST VOUCHERS BY 5TH APRIL 2018.  Call us on 01280 851113 to find out your company's March pay-roll deadline date.


There’s Still Time to Register for Childcare Vouchers…

The two schemes are different, and which one is best for a parent will depend on their personal circumstances. Once registration for the Childcare Voucher Scheme closes however, parents will no longer have a choice. To meet the HMRC deadline, parents need to register as soon as possible to allow time for the completion of paperwork and payroll deductions.


Childcare Voucher Scheme – Key Points

  • Under the Scheme, which operates on a Salary Exchange basis, a parent can opt to exchange up to £243 of their salary for childcare vouchers each month – free of tax and NI. A basic rate tax payer can save up to £933 per year on the cost of childcare, while a higher rate tax payer can save up to £623.  These savings are per person and can be doubled for a working couple.
     
  • Vouchers can be used for children up to and including15 years old – 16 years if registered disabled.
  • Vouchers can be used to pay for day, weekly and termly boarders, holiday clubs, nurseries, nannies, child-minders, and breakfast and after-school clubs as well as tutoring. Childcare providers must be registered with, and regulated by the appropriate authorities.

  • Parents can choose to pay as little as £10 per month into the scheme.

  • Vouchers can be backdated to the beginning of the current tax year *(April 2017), and parents can select to use as little or as much of their allowance as they wish to. (Subject to certain criteria*)


Register now and beat the deadline....

Register for Childcare Vouchers NOW and you will have the option to stay in the scheme or switch to the new government-run TFC scheme any time in the future. If you don’t register before the deadline, you will forfeit your option to participate in the Childcare Voucher Scheme. Don’t miss out. Call us now on 01280 851113, or email us.

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