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06629 My Benefits Booklet 2010 v3

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					06629 My Benefits Booklet 2010 v3_06629 My Benefits Booklet 2010 v3 19/01/2010 17:43 Page 1




     For all general queries,
     contact Personal Group
     on 0870 126 1828 or
     www.personal-benefits.com/nwl.
                                                                                              Good
                                                                                              things
                                                                                              in water...



                                                                                                                  A clear vision...
                                                                                                            a great place to work

                                                                                                                      mybenefits
                                                                                                                        2010/11
06629 My Benefits Booklet 2010 v3_06629 My Benefits Booklet 2010 v3 19/01/2010 17:43 Page 3




     Welcome                                                                                                                              Core
                                                                                                                                          benefits
     Welcome to Northumbrian                       We categorise the benefits under            Voluntary benefits (pages 10-22)           Core benefits are the benefits     Annual leave                                        Maternity and adoption leave
                                                                                                                                                                             On joining the company, your holiday                Maternity and adoption leave of up to 52
     Water’s mybenefits booklet                    3 headings:                                 There are a wide variety of voluntary      that you enjoy simply because      entitlement, and how it increases, will             weeks is available to employees irrespective
     for 2010/2011.                                                                            benefits on offer, the majority of which   you work for Northumbrian          be explained to you in your contract of             of length of service. If you have 26 weeks'
                                                   Core benefits (pages 2-5)                   are provided at discounted rates from      Water - you get them as part of    employment.                                         continuous employment by the 15th week
     On the following pages you                    are automatically provided to               external providers.                                                                                                               before your baby is due, or before the week
                                                                                                                                          working for a leading employer.
     will find the information                     employees and include for example
                                                                                                                                                                             Your entitlement to annual leave and bank           in which the matching certificate for adoption
     you need to understand                                                                                                               Some, like annual leave, your      holidays will be calculated on a pro-rata           is issued, you can receive full pay for the first
                                                   annual leave, sick pay and pension          We are continuing to work with a                                              basis if you work part-time.                        26 weeks and statutory maternity/adoption
     the comprehensive set                                                                                                                pension and Back to Health,                                                            pay for a further 13 weeks. If you are
                                                   provision. Within the core benefits         specialist benefits company, Personal
     of benefits available to                                                                                                             you get automatically.             In addition, you receive two paid half-day          participating in salary sacrifice benefit options,
                                                   there is a flexible core benefit (page 5)   Group who support the mybenefits                                              holidays (applied pro-rata if you work              you can either leave the salary sacrifice
     you as an NWL employee.                       which allows you to buy or sell part of     programme.                                 Others, such as maternity and      part-time) in respect of the afternoons of          scheme (subject to the particular scheme
                                                   your annual leave entitlement.                                                         paternity leave, you may qualify   24 and 31 December. If you are required to          rules) and receive the above pay, or retain
                                                                                               You can call Personal Group’s helpline     for depending on your personal     work these afternoons due to business need,         your salary sacrifice benefits and receive
                                                                                                                                                                             you will receive the equivalent time off in lieu.   statutory maternity/adoption pay only.
                                                   Tax efficient benefits (pages 6-9)          on 0870 126 1828 or visit                  circumstances.
                                                   Smart Water, childcare savings,             www.personal-benefits.com/nwl              More information on the core       Annual leave is earned on an accrual basis,         To retain enhanced payments you must return
                                                   Cycle2work, the buying of additional                                                                                      so if you join or leave the Company part way        for a minimum of 26 weeks excluding any
                                                                                                                                          benefits is provided in the        during a leave year your entitlement will be        absence or keeping in touch days worked.
                                                   holiday and the Salary Sacrifice Car        Enclosed with this book is an              employee handbook.                 prorated. Our holiday year runs from 1 April to     In addition when you return, you will receive
                                                   Scheme are tax efficient.                   application form together with a set of                                       31 March, unless otherwise stated.                  five days special leave to be taken during the
                                                                                               rules covering the different benefits.                                                                                            first four weeks upon return, applied pro-rata
                                                                                                                                                                                                                                 if you work part-time. Your annual leave will
                                                   If you decide to sacrifice part of your                                                                                                                                       continue to accrue during the whole period of
                                                   salary in exchange for the provision of     Applications for benefits can be made                                                                                             your leave, plus any bank holidays which arise
                                                   one or more of these benefits you can       online or by post. Benefits requiring a                                                                                           during your absence.
                                                   save tax and National Insurance on          change to your salary must be
                                                   the amount of the sacrifice.                received by 26 February 2010.




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     Core
     benefits
     Paternity leave                                     Company sick pay                                     You pay tax on the value of any company            Back to Health                                  Pension                                          Personal accident insurance
     If you have at least 26 weeks of continuous         We seek to support you when you are ill.             membership funding. Details of the PMI             Back to Health is a health plan, which can      We offer a choice of two pension                 The personal accident insurance scheme
     service by the end of the 15th week before          We have an absence management policy                 scheme and company funding are available           cover you if you need medical treatment and     arrangements for new employees, depending        provides financial cover in the event that you
     your baby is due, or by the week in which you       that aims to assist you during your illness          from HR. If you are not eligible for PMI you can   you are not a member of the Company's           on the terms of their contract - the             suffer an accident either in or outside work.
     are notified of being matched with a child for      so that you can return to normal work as             be covered by the Back to Health scheme -          private medical insurance scheme. Back to       Northumbrian Water Pension Scheme -              The payment of this benefit is at the discretion
     adoption, you will be entitled to up to 10 days     soon as possible.                                    you cannot be a member of both. Alternatively      Health can be accessed where your condition     Defined Contribution section, or a Stakeholder   of the insurer and varies depending on the
     of paternity leave with full pay. This will be                                                           you can choose to purchase discounted PMI          prevents you from carrying out your normal      arrangement (also a defined contribution         severity of your injuries.
     calculated on a pro-rata basis if you work          In the event of unavoidable absence through          (please see page 14).                              duties and allows you to return to health and   scheme). Our final salary pension scheme
     part-time. Paternity leave must normally be         sickness, provided notification and certification                                                       to work sooner than you otherwise might         was closed to new entrants on 31 December        Payments will be made in the event of
     taken within a period of 8 weeks before or          procedures are followed and on the basis that        If you are a member of the PMI scheme and          have done. Any tax liability will be met by     2007 but continues for existing members.         death, total disablement or loss of limb,
     after the birth of your baby or within 8 weeks      you do not prejudice your recovery, payment          you leave the company, you may choose to           the Company.                                                                                     speech, hearing or sight. Please see
     of a placement.                                     will normally be made (inclusive of statutory sick   purchase private medical insurance directly                                                        Group Income Protection                          the schedule attached to the employee
                                                         pay) in accordance with the scale set out in the     from AXA PPP upon leaving. The company has         RehabWorks                                      If you are a member of the Northumbrian          handbook for current information. We may
     Parental leave                                      employee handbook. The duration of company           negotiated preferential rates that include         RehabWorks is a health and well-being           Water Pension Scheme - Defined Contribution      change the terms of insurance from time
     If you have been continuously employed              sick pay increases with service.                     continuation of the same medical terms as the      service which provides specialist advice and    Section, you are automatically covered under     to time.
     for at least one year and have responsibility                                                            PMI Scheme, or up to 3 months' free cover, or      treatment to help employees with recovery       the Group Income Protection Plan, which
     for a child under the age of 8, you will be         Private medical insurance                            a 10% discount on AXA PPP's standard rates.        from musculoskeletal disorders (MSDs).          provides you with an income for a period of      Professional subscriptions
     eligible for unpaid leave of up to 13 weeks.        If you were a member of the private medical          The terms available will depend on the level of    This service is available to all employees      time should you be unable to continue work       If membership of a professional body or
     18 weeks of parental leave will be granted to       insurance (PMI) scheme prior to 2005 and             cover chosen.                                      who have, or are developing an MSD              due to ill health.                               institution is essential to your position or is
     parents of disabled children under the age of       remain a member, or if you are a personal                                                               and provides speedy access to chartered                                                          beneficial to the business, we will refund
     18. The length of parental leave that you can       contract holder, you remain eligible for PMI         For further information telephone                  physiotherapists who are able to diagnose       The amount of benefit payable is subject to      up to a maximum of three annual
     take in any year, or at any one time, is normally   membership with either full or part subsidy.         0800 028 2915 and quote the reference              and treat such problems. You can access         the terms of the insurance policy in place.      subscriptions per annum, if authorised by
     dependent on the operational circumstances                                                               2063.                                              this service via your line manager who will     We may change the terms of insurance             your line manager. If student membership
     that exist at the time. Leave must be taken in      The scheme is now closed to new members -                                                               refer you to RehabWorks for an assessment       from time to time.                               of a relevant professional body or institution
     blocks of at least one week.                        although existing members can apply to have                                                             and treatment.                                                                                   is required before you can sit examinations,
                                                         their level of cover changed within 3 months of                                                                                                         Life assurance                                   we will provide financial support for this.
                                                         a lifestyle change. Lifestyle changes are                                                                                                               We provide a life assurance scheme for
                                                         classified as: marriage; entering into a                                                                                                                all employees. Regardless of your length
                                                         common-law, civil partnership or equivalent                                                                                                             of service or working hours, the payment
                                                         relationship; following the birth of a baby or                                                                                                          would be based on four times your
                                                         following the placement of a child for adoption.                                                                                                        annual salary.




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     Core                                                                                                                                               Smart
     benefits                                                                                                                                           water
     Long service awards                            Share incentive plan                              If you wish to buy holiday you must decide at     Smart Water is a salary sacrifice arrangement under which you can exchange salary for free water
     If you have 20 years of continuous             The plan is open to all employees who             the beginning of the scheme year. If you wish
     employment or more, we will recognise          are resident in the UK for tax purposes and       to sell holiday you now have two opportunities
                                                                                                                                                        and sewerage, water only or sewerage only services that are provided by the Company. If you
     your anniversary by funding a gift of your     have been continuously employed for at            to do this, in April and October.                 decide to take advantage of this benefit, you will no longer be liable for water/sewerage charges
     choice to the following values, as a token     least three months.                                                                                 for your main residence and will be able to save tax and National Insurance on the amount of the
     of our appreciation:                                                                             If you buy a day, two days, three days, four      sacrifice. Your salary sacrifice will be equivalent to the charge that would have been incurred if you
                                                    You can contribute up to 10% of basic salary      days or five days of leave, your gross annual
      Continuous employment              Award      or £1,500 in each tax year. We will arrange       salary will be reduced by 1/260, 2/260, 3/260,
                                                                                                                                                        had been a billable customer (referred to as “Smart Water Value” in the table).
               20 years                   £250      for shares in Northumbrian Water Group plc        4/260 or 5/260 respectively. If you sell a day,
                                                    to be bought for you and will provide one         two days or three days of leave, your annual      How do I join?                                     How much can be saved?
               30 years                   £300      matching share for every three partnership        salary will be increased by 1/260, 2/260 or       To be eligible:
                                                    shares you purchase.                              3/260. The change in gross annual pay will be     • You must be a named account holder for                    Smart Water Value                          Tax & NI Savings per   Tax & NI Savings per
               40 years                   £400                                                                                                                                                                         Examples                              annum for 20% taxpayer annum for 40% taxpayer
                                                                                                      spread equally over the remaining months of         water and sewerage, sewerage only or
                                                    Deductions will be made directly from your        the scheme year, i.e. 12 if you sell holiday in     water only services supplied by the                                  £300                                         £88                                     £123
     Employee assistance helpline                   gross salary to purchase the partnership          April and 6 if you sell holiday in October.         Company.
     This benefit is provided by experts outside    shares, so you will not normally pay income       The amount will be fixed based upon your          • The property must be your main domestic                              £150                                         £44                                      £62
     the company on a wide range of personal        tax or NI contributions on this amount.           salary as at the application deadline and will      residence.                                                           £40                                          £12                                      £16
     and work-related problems, including:          Full details of the plan are provided in a        not be adjusted subsequently if your salary       • You must be a UK tax payer.                         (discounted scheme for South based staff)
     emotional, marital and family, bereavement,    separate booklet available from HR.               increases or decreases during the remainder       • You must decide whether you wish to
                                                                                                                                                          participate in Smart Water when we write to       Note: The Company will disclose to HMRC that a benefit is being provided to you in the form of free water/sewerage.
     employment and career, financial, legal,                                                         of the scheme year.                                                                                   Any tax on this benefit in kind is likely to be low in relation to the tax and NIC savings made from participating in Smart
                                                                                                                                                          you in January each year.
     alcohol and drug dependency, medical
     or health concerns.                            Core flexible benefit                             Any holiday bought is not liable for income
                                                                                                                                                                                                            Water. For a 20% taxpayer it is estimated that the tax due on the benefit will be no higher than £5 for the 2010/11
                                                                                                                                                                                                            scheme year which will slightly reduce the above savings.
                                                                                                      tax or NI contributions, but there is a tax       You will be unable to participate in the benefit
     You can take advantage of this confidential    Buying and selling holidays                       and NI liability on the amount of gross pay       if the reduction in your salary will take your
     telephone service 24 hours a day, 365          Your contract of employment will state your       received for selling leave.                       earnings below the lower earnings threshold        For measured customers the Smart Water                           or Essex and Suffolk Water. Water supplied by
     days a year. All you need to do is call        holiday entitlement. You may choose to either                                                       or national minimum wage.                          Value is estimated on average usage and                          Hartlepool will continue to be billed by them
     freephone 0800 072 7072.                       buy up to five additional days of leave or        If you want to buy or sell any holidays, you                                                         for both measured and unmeasured,                                and these charges must be paid to them.
                                                    to sell three days from your annual holiday       must complete the mybenefits application          If you are eligible to join, you should already    includes a reduction equal to the Direct
                                                    entitlement. The value of a day of holiday will   form online or at the back of this booklet and    have received a letter detailing the amount of     Debit discount you would have received                           Details of Smart Water can be found in
                                                    be 1/260 of your annual salary.                   return it by 26 February 2010.                    sacrifice required for 2010/2011 together with     as a billable customer.                                          the Smart Water Questions & Answers
                                                                                                                                                        the action you need to take if you wish to                                                                          document and Rules of the mybenefits
                                                                                                                                                        participate in the benefit.                        If you receive sewerage services from Thames                     scheme. These are available on livelink
                                                                                                                                                                                                           Water or water from Hartlepool Water, it is still                under people/pay and benefits or from
                                                                                                                                                                                                           possible for you to participate in Smart Water.                  your manager.
                                                                                                                                                                                                           However your participation is limited to the
                                                                                                                                                                                                           services you receive from Northumbrian Water



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     Childcare                                                                                                                                                 Salary sacrifice
     savings                                                                                                                                                   car scheme
     Arranging childcare is a major concern for many employees and their partners. We recognise that                                                           NWL’s salary sacrifice car scheme enables employees to exchange salary for a fully financed and
     working parents want to provide their children with the highest quality care whilst keeping costs                                                         maintained car. Employees can take a car for themselves or for a member of their immediate
     down as far as possible. care-4 is a flexible electronic voucher scheme designed to make childcare                                                        family and have free choice of car up to CO2 emissions of 160 g/km. Cars provided to employees
     that bit more affordable.                                                                                                                                 are obtained by NWL under lease hire arrangements and at the end of the scheme term it is
                                                                                                                                                               possible for employees to request a price to purchase the car.
     We are committed to this benefit and in             The scheme also entitles you to free parental      You must also register your details with care-4.
     supporting employees who strive to achieve the      support on health, education and general issues,   You can do this by telephone or online using       If you decide to take advantage of this benefit,
     optimum work/life balance.                          24 hours a day, 365 days a year. The childcare     the number or website address given below.         you will make savings on tax (including VAT)        How do I obtain a quotation?
                                                         helpline includes a childcare search service,                                                         and NI arising from the sacrifice and will also     Our car provider Tusker have an on-line            If you require any assistance or advice on
     The care-4 scheme takes advantage of a              should you wish to change your current childcare   You will need to provide your Payroll number,
     Government initiative that allows £243 per month                                                       your name and address, your carer's name           benefit from NWL fleet discounts.                   system which can calculate the amount              choosing a car, please contact Tusker’s
                                                         arrangements and for emergency/temporary
     of your childcare cost to be free from income tax   childcare options.                                 and full address and the name and date of                                                              of sacrifice required for any chosen car.          Customer Service Team on 08719 955 551
     and NI contributions. If you are paying 11% NI                                                         birth of each of your children.                    Benefit in kind tax is payable based on a car’s     To access the driver homepage please go            or email customerservices@ss4c.com
     and 20% tax you could save the following:           As a care-4 member you have access to                                                                 value (often referred to as P11d value), its CO2    to www.ss4c.com and enter your username
                                                         www.emergencychildcare.co.uk which                 The Rules of the mybenefits scheme as              emissions and fuel type. The highest savings        and password which is NWL followed by your         The Rules of the mybenefits scheme as
          Annual childcare cost            £2,916        provides the opportunity to search for and book    amended from time to time apply. A copy            can therefore be achieved by choosing a car         employee number (in caps). Please then             amended from time to time apply together
                                                         emergency childcare when your normal childcare     is enclosed and also available on livelink         with low CO2 emissions.                             change your password to something you will         with the Questions & Answers sheet for
            Annual tax saving               £583
                                                         is not available. You can book for the same day    under people/pay and benefits/rules of                                                                 remember. From there you can ‘build’ a quote.      the Scheme. Copies are available on livelink
             Annual NI saving               £320         or up to 3 weeks in advance and pay for the        mybenefits or from your manager.                   What is covered?                                    There are blue help buttons as you go through      under people/pay and benefits/rules of
                                                         place through your care-4 account.                                                                    • Maintenance – servicing, batteries,               which will give a detailed account of the action   mybenefits.
              Total Saving                  £903
                                                                                                            Please note that if you are already using            exhausts, no quibble tyre replacement.            you need to take at each stage.
                                                         In addition you have free access to                care-4 there is no need to re-register.            • Insurance (fully comprehensive).
     You can join care-4 by agreeing to reduce your      www.childcareplaces.co.uk, a service               N.B. Payment to care providers is electronic       • early termination insurance (limiting liability
     gross salary by a fixed monthly amount (up to       to assist you if you are looking for a new         so check your carer is able to accept this.          if you terminate the scheme early).
     £243 per month) for the whole scheme year.          childminder, by enabling you to search by                                                             • Gap insurance (covering you if the car is
     These funds are placed in a secure care-4           postcode for vacancies posted by registered        For more information and to register call            written off and there is any shortfall in the
     account from which you authorise payments           childminders that are members of the National      0870 870 4114, or visit the website                  amount of insurance settlement).
     directly to your carer’s bank.                      Childminding Association.                          www.care-4.co.uk and quote NWL05 and               • Road fund licence.
                                                                                                            complete the mybenefits application form.          • MOT (where applicable).
     You can pay your carer up to £243 per month         How do I join?
                                                         You must select the care-4 benefit by                                                                 • Roadside assistance.
     from the scheme. Any childcare fees above this                                                         Helpline open 9.00am to 6.00pm Monday
     amount you will need to pay direct to your carer.   26 February 2010, by completing the                to Friday and 9.00am to 5.00pm Saturday.
                                                         childcare savings section of the mybenefits
     You can use the care-4 scheme to pay registered     application form.
     carers including childminders, day nurseries,
     after-school clubs and play schemes, as well as
     approved home carers such as nannies.


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     Cycle2work                                                                                                                                          NWL Christmas savings club
     Cycle2work could be just what you need if you want a new bike to get fit, do something for                                                          You can save for your Christmas shopping using Northumbrian Water’s Christmas Savings Club which
     the environment, have a less stressful journey to work and save pounds doing it.                                                                    has been set up just for employees.
     Working with Halfords, we can bring you an         How do I join?                                     You will have a further opportunity to join   How it works                                       would like to save or withdrawing from the                     How do I join?
     innovative benefit that takes advantage of the     You need to have a permanent contract of           the scheme in October 2010.                   You decide how much you want to save each          Savings Club.                                                  Simply complete the Christmas Savings section
     Department for Transport’s initiative to try to    employment or a fixed term contract which                                                        month. You can save as little as £10 per month                                                                    of the mybenefits application form. Decide how
     encourage us to use sustainable modes of           covers the contract period.                        For more information call 0845 077 8850       but can save anything up to £250 per month (in     * The Savings Club bank account will generally earn            much you wish to save each month and
     transport to and from work. The tax and                                                               and quote Northumbrian Water.                 multiples of £10). You then arrange to have this     interest in line with base rate. Tax will be deducted        remember it must be the same amount until
     National Insurance savings available through       The Rules of the mybenefits scheme as                                                            amount deducted from your net pay, by                before your share is added to your savings. No               December. Complete the application online or
                                                                                                                                                         completing the Christmas Savings section of          further tax liability will arise on the interest which can   send your completed form to Personal Group to
     the scheme make cycle2work a fantastic             amended from time to time apply. A copy
     employee benefit and in addition NWL will          is enclosed and also available on livelink under                                                 the mybenefits application form.                     be omitted from your tax return.                             arrive by 26 February 2010.
     pass back the reclaimable VAT.                     people/pay and benefits/rules of                                                                                                                    Extra value?
                                                        mybenefits or from your manager.                                                                 All deducted amounts will be paid into an                                                                         The first deduction will be taken from your April
                                                                                                                                                         exclusive bank account which has been set up       You can make your savings work even harder                     pay. When you join, the first savings year will last
     Fifty per cent of the bike’s use should be work                                                                                                                                                        for you by using the lump sum from your
                                                                                                                                                         specifically for the Christmas Savings Club.                                                                      8 months but in future years the savings period
     related, e.g. travel to and from work, or to get   You must register with cycle2work by                                                                                                                Christmas Savings Club to purchase pay as you                  will be 12 months.
     around your work site, but you can also use it     26 February 2010, by completing the                                                              You save the same amount each month during         go retail vouchers (see page 12). With savings
     for leisure.                                       cycle2work section of the mybenefits                                                             the savings year and at the beginning of           of up to 12%, you can choose from a wide                       N.B. If you leave the company before the Christmas
                                                        application form.                                                                                December your savings will be credited to your     range of vouchers that can be used for                         savings programme has been completed for that year,
     How does it work?                                                                                                                                   normal bank/building society account together      Christmas presents or festive fare.                            your savings will be refunded in full but no interest will
     By entering into the cycle2work scheme you         1. Visit your local Halfords store to decide                                                     with a share of any interest*. At the beginning                                                                   be added. Stopping your monthly deductions before
     agree to sacrifice an amount of your gross            what bike and safety equipment                                                                of December you choose what to do for the                                                                         the deduction in November will only be considered
     salary equivalent to the value you choose over        you require.                                                                                  following year by either continuing to save the                                                                   in exceptional circumstances and there will be no
     an 18 month period. You will be able to save                                                                                                        same amount, notifying a different amount you                                                                     access to the savings prior to December unless you
                                                                                                                                                                                                                                                                           leave the company.
     tax and National Insurance on the amount of        2. Choose the value that is closest to the
     the sacrifice.                                        value you require. (N.B. the value must
                                                           cover the total value of products as you
                                                           cannot add your own personal funds of
                                                           any description. You cannot receive any
                                                           change or refund of the remaining amount).

                                                        3. Once your application has been authorised
                                                                                                                                                         Cashback for shopping online
                                                           and processed you will be issued with a
                                                           Letter of Collection. This is a voucher which                                                 How it works                                       access the retailer's site will allow you to                   Click on the Lifestyle Extras banner and
                                                           you can redeem in any branch of Halfords.                                                     Lifestyle Extras is a web based discount site      accumulate cashback which you can then                         sign up. You will be asked to provide your
                                                                                                                                                         which allows you to earn cashback when you         transfer directly and securely into your own                   email address and create a unique username
                                                                                                                                                         shop online.                                       bank account.                                                  and password and once validated you will be
                                                                                                                                                                                                                                                                           given a £5 welcome bonus.
                                                                                                                                                         Once registered you choose the category of         To obtain your free Lifestyle Extras
                                                                                                                                                         shop and from there you can access the             membership visit the mybenefits website
                                                                                                                                                         retailer's own website. By using this link to      www.personal-benefits.com/nwl



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     Shopping vouchers                                                                                                                                              Retail vouchers                                                                                                                                       (pay as you go)
     (deducted monthly from your salary)                                                                                                                            Discounted vouchers are available to use at major supermarkets, department stores and retail outlets.
                                                                                                                                                                    Order a minimum of £100 worth of shopping                                                     Example savings: Order £200 worth of Currys                                                    How to Order
     Discounted vouchers are available to use at major supermarkets, department stores and many                                                                     vouchers via the Lifestyle Voucher Service and                                                Vouchers and you pay £180.                                                                     Call the Lifestyle hotline on 0845 129 7773
                                                                                                                                                                    receive up to 12% off the value of your order.                                                                                                                                               and quote 'NWL' Monday to Friday
     other shops and restaurants. Northumbrian Water is able to source retail vouchers from major                                                                                                                                                                                                                                                                9.00 am - 5.30pm or order on-line
     retailers at discounted prices and pass the savings on to you. There are no tax or NI implications.                                                                                                                                                                                                                                                         www.personal-benefits.com/nwl
     There's a wide range of vouchers to choose from so there are lots of ways to save money.
                                                                                                                                                                      Voucher                    Outlets                                                                                                                                                                                                                         Lifestyle Savings
     You can choose to have vouchers from any of the stores shown below and now have the option                                                                       Amazon               Amazon.co.uk                                                                                                                                                                                                                                    7%
     to stop deductions after three, six, nine or twelve months.                                                                                                      Arcadia
                                                                                                                                                                      Argos
                                                                                                                                                                                           Burtons, Dorothy Perkins, Evans, Miss Selfridge, Outfit, Topshop, Topman, Wallis
                                                                                                                                                                                           Argos
                                                                                                                                                                                                                                                                                                                                                                                                                                           9%
                                                                                                                                                                                                                                                                                                                                                                                                                                           8%
                                                                                                                                                                      Asda                 Asda                                                                                                                                                                                                                                            5%
                                                                                                   *   Arcadia Group Ltd - vouchers can be used in:                   B&Q                  B&Q                                                                                                                                                                                                                                             9%
          Voucher                     Discount       Voucher                        Discount           Burton, Dorothy Perkins, Evans, Miss Selfridge,                Boots                Boots                                                                                                                                                                                                                                           7%
                                                                                                       Outfit, Topshop, Topman and Wallis.                            Comet                Comet                                                                                                                                                                                                                                          10%
          Arcadia*                       8%          John Lewis (inc Waitrose)         8%          ** Can be used in Currys, Currys Digital and PC World.             Currys               Currys, Currys Digital                                                                                                                                                                                                                         10%
          Argos ††                       7%          Leisure Vouchers †•               8%          *** Can be used in HMV, Dillons, Hatchards and                     Debenhams            Debenhams                                                                                                                                                                                                                                      8.5%
                                                                                                       Waterstone’s.                                                  Gap                  Gap                                                                                                                                                                                                                                            10%
          ASDA                           5%          Marks & Spencer                   6%          † Includes Pizza Hut, Bella Italia, TGI Friday, Brewers Fayre,     HMV                  HMV, Waterstone's, Hatchards and Hodges Figgis                                                                                                                                                                                                  9%
          B&Q                            9%          New Look                          6%              Beefeater, Marriott Hotels, Premier Inn, JMC,                  Homebase             Homebase                                                                                                                                                                                                                                        7%
                                                                                                       Haven & Warner Holidays and Red Letter Days                    House of Fraser      House of Fraser, Dickens & Jones, Arnotts, Binns, Cavendish House, David Evans, D.H. Evans, Dingles, Hammonds, Rackhams, Frasers, Barkers, Army & Navy, Howells,                                                                               11%
          Boots                          7%          Sainsbury’s                       5%              (see www.leisurevouchers.co.uk for the latest listings).                            Jollys, Kendals
          Debenhams                      8%          Somerfield                        5%          †† Argos vouchers are valid for one year.                          Laithwaites          Laithwaites Wine                                                                                                                                                                                                                               12%
                                                                                                   • Leisure Vouchers are valid for two years.                        Leisure Vouchers     Order a minimum of £50 worth of Leisure Vouchers. Please see www.leisurevouchers.co.uk for full listings of where and how your vouchers can be spent.                                                                                          10%
          Currys**                       8%          Thomas Cook                       6%                                                                                                  Leisure Vouchers can be used for travel, however they cannot be redeemed on the High Street.
          HMV***                         8%          WHSmith                           8%                                                                                                  Please call the dedicated helpline as detailed at www.leisurevouchers.co.uk/howtoenjoy for details of how to redeem.
                                                                                                                                                                      Love2Shop            The UK's leading multi-retailer gift voucher - accepted by over 75 retailers nationwide.Please see www.love2reward.co.uk for a full listing.                                                                                                    8%
          House of Fraser                9%          Wilkinson                         8%                                                                                                  You can also spend your Love2shop Gift Vouchers at Park Travel - for your travel and holiday needs including package holidays, UK breaks and theme parks, flights, cruises,
                                                                                                                                                                                           hotels, car hire, airport parking, insurance and much much more. To use this voucher for holidays and travel you must call 0845 077 4444.
                                                                                                                                                                      Marks & Spencer      Marks & Spencer                                                                                                                                                                                                                                5.5%
     Savings and budgeting ideas                    How it works                                                                                                      Morrisons            Morrisons                                                                                                                                                                                                                                       2%
     • Set aside your supermarket or fuel budget    Simply place a minimum monthly order               To avoid any delays in delivery, please make                   New Look             New Look                                                                                                                                                                                                                                        9%
                                                                                                                                                                      River Island         River Island                                                                                                                                                                                                                                    8%
       as vouchers.                                 of £50, which may be split in multiples of         sure you update Personal Group of any                          Sainsbury's          Sainsbury's                                                                                                                                                                                                                                     4%
     • Buy vouchers for Christmas and birthdays     £10 between any voucher type (e.g. £30             changes to your home address, by calling                       Selfridges           Selfridges                                                                                                                                                                                                                                     7.5%
       or use the vouchers to buy gifts.            Sainsbury's, £20 Boots). It is possible that       0870 126 1828. Your monthly salary will be                     Signet               Ernest Jones, Leslie Davis, H Samuel                                                                                                                                                                                                           12%
                                                    you can change the voucher type each               reduced by the cost (not the face value) of                    Thomas Cook          Thomas Cook and Going Places. Can be redeemed in any Thomas Cook Shop, through Thomas Cook Direct, against Thomas Cook TV or via www.thomascook.com.                                                                                            6%
                                                                                                                                                                      Virgin Gift Vouchers Virgin wines, Tenpin, Legoland, Garfunkels, Chiquitos, Est Est Est, Marco Pierre White Restaurants, Virgin Experience Days, Virgin Balloon Flights, The Roof Gardens,                                                                           8%
     What do I save?                                month by contacting Gail Kirkham on ext            vouchers selected.                                                                  Virgin Active, Virgin Cosmetics, Virgin Vouchers Travel Club, Virgin Atlantic, Virgin Holidays and many more.
     If you normally spend £400 a month on          34888 by the 5th of the month. The total                                                                          WHSmith              WHSmith                                                                                                                                                                                                                                        10%
     groceries, you would save at least £20         amount in vouchers will be sent to your            How do I join?
     by purchasing supermarket vouchers at          home address around pay day. The                   You must register with Personal Group by                     Terms and Conditions:1. Minimum order value of £100 per shopping voucher type required. Vouchers must be ordered in multiples of £100. 2. Once we have ordered vouchers on your behalf we will not be able to cancel or refund your order. 3. Lifestyle cannot be held
                                                                                                                                                                    responsible for the cost of replacing lost or stolen vouchers. 4. Please note that charges will show as 'P&MM Travel Ltd' on your bank statement. 5. We are consistently striving to improve our selection of offers and discounts available; therefore they are subject to change
     a 5% discount.                                 vouchers, except where indicated, have             26 February 2010, by completing the                          without prior notice. For latest discounts please refer to the mybenefits website www.personal-benefits.com/nwl. 6. Please note that some stores may not offer change on vouchers. Please check with the store prior to ordering. 7. Vouchers can come in denominations of £5
                                                                                                                                                                    and £10 although higher amounts may sometimes be used, please check when placing your order. 8. Please note if you have specified a certain denomination type then your order may be delayed if we are out of stock of that denomination. As such, please allow up to seven
                                                    no expiry date. You can stop the voucher           shopping vouchers section of the mybenefits                  working days for dispatch of your order. If you have not requested a specific denomination type then please allow up to two working days for dispatch of your order. 9. Prior to purchasing Love2shop or Leisure Vouchers please refer to the relevant website, either
                                                                                                                                                                    www.love2reward.co.uk or www.leisurevouchers.co.uk for specific terms regarding redemptions on holidays. 10. Thomas Cook Vouchers are not exchangeable for cash and cannot be used against foreign currency for travellers cheques, cash refunds cannot be made on any
     You would have a deduction of £380 from your   deduction after three, six or nine months          application form.                                            balance not used. 11. On thomascook.com vouchers can be used to purchase your package holiday only. Vouchers cannot be used to purchase the following: flight only, accommodation only (both UK & overseas), tailor-made holidays, car parking except when you include this
                                                                                                                                                                    when booking your package holiday, Foreign Exchange or travellers cheques. 12. Some companies will not accept vouchers as a method of payment for store cards or other similar arrangements, please contact the relevant company directly prior to purchasing vouchers to
     net pay and receive £400 in vouchers. This     by confirming this to Gail Kirkham on                                                                           determine if they are an acceptable method of payment. 13. On Amazon gift vouchers a minimum of 100 worth of gift vouchers must be purchase to receive the discount. 14. Gift certificates may only be redeemed towards the purchase of products listed in Amazon.co.uk's
                                                                                                                                                                    online catalogue sold by Amazon.co.uk. They cannot be redeemed at Amazon.com. Amazon.co.uk Shops or Amazon.co.uk Marketplace or at Amazon.co.uk's Trusted Partners' sites. 15. The gift certificate cannot be used to pay for Amazon.co.uk gift certificates. 16. Please
     example represents an annual saving of £240.   ext 34888.                                                                                                      use the shopping basket rather than the 1-Click ordering method when paying for an order with a gift certificate. 17. Gift certificates and unused portions of gift certificates expire one year from the date of issue, where under applicable law. 18. Normal Amazon.co.uk terms and
                                                                                                                                                                    conditions of purchase and for using the Amazon.co.uk website apply.




     11     Good things in water...                                                                                                                                                                                                                                                                                                                                                                                       mybenefits                  12
06629 My Benefits Booklet 2010 v3_06629 My Benefits Booklet 2010 v3 19/01/2010 17:43 Page 15




     Computer loan                                                                                                                                            Discounted private
     As an employee of Northumbrian Water you
     are able to apply for an interest-free computer
     loan from the company provided you have
                                                        The loan can be to a maximum of £750,
                                                        repayable via monthly deductions from your
                                                        salary over a fixed period of two years.
                                                                                                            An application form together with full terms
                                                                                                            and conditions is available on livelink under
                                                                                                            people/pay and benefits/computer loan
                                                                                                                                                              medical insurance
     a permanent contract of employment or a            The loan can be used to buy a PC or a laptop        or from your manager or HR.
     fixed term contract which covers the               or any equipment linked to a PC e.g.                                                                  Purchasing discounted PMI
     repayment term and have satisfactorily             printer/scanner. It cannot be used for any          You will be required to provide a receipt/proof
     completed your probationary period.                item of equipment that works independently          of purchase for authorisation for the loan.       If you are not eligible for the subsidised PMI   subsidy. You are also able to cover your           If you wish to make private arrangements to
                                                        from a PC e.g. digital camera.                                                                        scheme you can join the AXA PPP private          dependants at additional cost. You must join       cover children only, AXA PPP offers a policy
                                                                                                                                                              medical insurance scheme by paying an            on 1 April 2010 but must first contact the         called First Healthcare. The company has
                                                                                                                                                              annual subscription which is equivalent to the   pensions team on 34616, no later than 26           negotiated a 10% discount on the published
                                                                                                                                                              rate paid by NWL. As you will no longer need     February 2010, for more details and an             price for cover. For further information contact
                                                                                                                                                              to be covered by Back to Health, NWL will        application form. New employees can join           0800 707 6897 and quote reference 8032.

     Public transport travel loan                                                                                                                             pay a subsidy towards the cost of your cover
                                                                                                                                                              and you will pay tax on the value of this
                                                                                                                                                                                                               within the first 3 months of employment.




     If you use public transport to get to and from     purchase a travel pass from your transport          An application form together with full terms
     work, you are able to apply for an interest-free   provider which should cover your travel to and      and conditions is available on livelink under


                                                                                                                                                              Discounted medicals
     travel loan from the company provided you have     from work but may also allow use for general        people/pay and benefits/public transport
     a permanent contract of employment or a fixed      travel eg at weekends and evenings. The loan        travel loan or from your manager or HR.
     term contract which covers the repayment term      can be to a maximum of £750, repayable via
     and have satisfactorily completed your             monthly deductions from your salary over a          You will be required to provide a receipt/proof
     probationary period. The loan will allow you to    fixed period of 12 months.                          of purchase for authorisation for the loan.

                                                                                                                                                              A range of comprehensive health assessments are available to both you and your partner
                                                                                                                                                              through Nuffield Health, at the NWL discounted rate of 12.5%.

     Qualification loan                                                                                                                                       Each of the health assessments provides a
                                                                                                                                                              comprehensive range of tests which will give
                                                                                                                                                              you a clear understanding of your current
                                                                                                                                                                                                               Further details and costs of the assessments
                                                                                                                                                                                                               are available on livelink under people/health
                                                                                                                                                                                                               and wellbeing/discounted medicals.
                                                                                                                                                                                                                                                                  You can book your appointment direct with
                                                                                                                                                                                                                                                                  Nuffield Health by calling the central booking
                                                                                                                                                                                                                                                                  line on 08452 302 040 and quoting the
                                                                                                                                                              state of health as well as the opportunity to                                                       account number C0142751. You can either
     If you choose to undertake a course of study       The loan is also available if you are receiving     An application form and Qualification Loan        discuss any individual concerns in confidence    If you are unsure which assessment is best for     pay for the assessment at the time of booking
     where the course is not a requirement of your      partial financial support under the Professional    Policy is available on livelink under             with an experienced health professional.         you, a Nuffield Health Adviser will be available   via a card payment or alternatively you can
     role, you are able to apply for an interest-free   Development Policy for the balance of the cost      people/training and development/key                                                                to discuss in confidence your requirements         request an invoice to be sent to you.
     qualification loan, provided that you have a       of the course, registration, assessment and         links/qualification loan.                         Following your health assessment you will        and help you decide.
     permanent contract or a fixed term contract        examination fees. The maximum loan will                                                               receive a detailed report which will explain
     which covers the repayment term, have              typically be £3,000 per annum, repayable by         Payment will be made direct to the educational    both the outcome of your assessment as well
     satisfactorily completed your probationary         monthly deductions from salary over a fixed         provider.                                         as advice and guidance on managing your
     period and the course will lead to a recognised    period of two years, or the length of the course,
     qualification.                                                                                                                                           health and lifestyle.
                                                        whichever is the greater.



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06629 My Benefits Booklet 2010 v3_06629 My Benefits Booklet 2010 v3 19/01/2010 17:43 Page 17




     Dental plan                                                                                                                                                                                                                                     Eyecare scheme
        Benefits                                                                                                 Denplan            Denplan              Denplan              Denplan                Denplan                Denplan
                                                                                                                                                                                                                                                     We have joined forces with Vision Express to provide you and your family with substantial savings on
                                                                                                                   Key             Elementary            Essential          Essential Plus           Extensive         Extensive Plus                eyecare. Your unique optical benefit package allows the following savings.
        100% Reimbursement                                                                                          ✖                  ✔                    ✔                    ✔                       ✔                      ✔
        For NHS treatment.
        Worldwide Dental Injury                                                                                     ✔                   ✔                     ✔                     ✔                     ✔                     ✔                    • £10 eye test or FREE when choosing to                  How do I receive my corporate
        Cover for up to £2,500 of treatments per dental injury up to four incidents per policy year.                                                                                                                                                   purchase complete glasses.                             discount voucher?                                   Company eye tests and safety
        Worldwide emergency dental treatment                                                                        ✔                   ✔                     ✔                     ✔                     ✔                     ✔                    • Save £30 off complete glasses when choosing            To qualify for the eyecare savings, simply visit    spectacles
        In the UK: up to £200 of treatment per incident for up to four incidents per policy year.
        Outside the UK: up to £400 of treatment per incident for up to two incidents per policy year.                                                                                                                                                  from the £69 frame range or above with                 any Vision Express store and show your
        There is an overall maximum of £800 per policy year for this benefit.
                                                                                                                                                                                                                                                       prescription scratch-resistant plastic lenses.         Northumbrian Water ID card, and ask for the         If you use a VDU screen in your work and
        Hospital Cash Benefit                                                                                       ✔                   ✔                     ✔                     ✔                     ✔                     ✔                                                                                                                                 are defined as a DSE user, Northumbrian
        £50 for each night you stay overnight in hospital, up to £1,000 per policy year, for dental                                                                                                                                                  • Save £70 when joining the contact lens direct          Vision Select voucher. The leaflet containing the
        treatment under the care of a consultant specialising in dental or maxilofacial surgery in relation                                                                                                                                            debit scheme (Contact7). Offer includes                discount vouchers will be handed to you over        Water pays for your eye tests. If as a result of
        to a head or neck condition.
        Dentist call-out fees                                                                                       ✔                   ✔                     ✔                     ✔                     ✔                     ✔                      FREE contact lens registration and                     the counter.                                        the examination, corrective spectacles are
        Up to £100 per incident for up to two incidents per policy year.                                                                                                                                                                               consultation and FREE 3 months' supply                                                                     recommended for VDU use, we will
        Mouth cancer cover                                                                                          ✔                   ✔                     ✔                     ✔                     ✔                     ✔                      of lenses worth £44.85.                                To locate your nearest store and book an            contribute £55 towards the cost of the
        Up to £12,000 towards once course of treatment for up to eighteen months
        following diagnosis (smokers are included).                                                                                                                                                                                                                                                           appointment use freephone 0800 738 090              spectacles - this is increased to £75 for
        24-hour worldwide emergency helpline                                                                        ✔                   ✔                     ✔                     ✔                     ✔                     ✔                                                                             or visit the website www.visionexpress.com          bi-focals and more complex prescriptions.
        Routine examinations                                                                                        ✖            100% reimbursement       Up to £50             Up to £50           Up to £100        Up to £100
                                                                                                                                   up to NHS limits     per policy year       per policy year      per policy year   per policy year                 Offers not valid in conjunction with any other discounts, vouchers or promotions including NHS discounts.
        Hygiene treatments                                                                                           ✖           100% reimbursement       Up to £60             Up to £60           Up to £120        Up to £120                     No cash alternatives available. Voucher valid until 31/12/2011. Terms and conditions apply.
                                                                                                                                   up to NHS limits     per policy year       per policy year      per policy year   per policy year
        Dental X-rays                                                                                                ✖           100% reimbursement       Up to £40             Up to £40            Up to £80        Up to £100
                                                                                                                                   up to NHS limits     per policy year       per policy year      per policy year   per policy year
        Restorative treatments                                                                                       ✖           100% reimbursement    80% of the cost       80% of the cost       80% of the cost  80% of the cost
        (and NHS band 2 & 3 treatment)                                                                                             up to NHS limits      Up to £200           Up to £1,000          Up to £400       Up to £2,000
        Including but not limited to fillings, crowns, bridges, dentures and specialist treatment.
        Employee
        Employee and Partner
        Single Parent Family
                                                                                                              £4.35 per month
                                                                                                               £52.20 per year
                                                                                                              £8.05 per month
                                                                                                               £96.90 per year
                                                                                                              £6.95 per month
                                                                                                                                   £9.20 per month
                                                                                                                                  £110.40 per year
                                                                                                                                  £17.15 per month
                                                                                                                                  £205.80 per year
                                                                                                                                  £14.75 per month
                                                                                                                                                        per policy year
                                                                                                                                                      £15.00 per month
                                                                                                                                                      £180.00 per year
                                                                                                                                                      £27.90 per month
                                                                                                                                                      £334.80 per year
                                                                                                                                                      £24.10 per month
                                                                                                                                                                              per policy year
                                                                                                                                                                            £19.95 per month
                                                                                                                                                                            £239.40 per year
                                                                                                                                                                            £37.30 per month
                                                                                                                                                                            £447.60 per year
                                                                                                                                                                            £32.15 per month
                                                                                                                                                                                                   per policy year   per policy year
                                                                                                                                                                                                  £25.40 per month £34.75 per month
                                                                                                                                                                                                  £304.80 per year £417.00 per year
                                                                                                                                                                                                  £47.15 per month £69.25 per month
                                                                                                                                                                                                  £565.00 per year £831.00 per year
                                                                                                                                                                                                  £40.70 per month £59.95 per month
                                                                                                                                                                                                                                                     Health & leisure
                                                                                                               £83.40 per year    £117.00 per year    £289.20 per year      £385.80 per year      £488.40 per year £719.40 per year
        Family monthly                                                                                        £10.70 per month
                                                                                                              £128.40 per year
                                                                                                                                  £22.95 per month
                                                                                                                                  £275.40 per year
                                                                                                                                                      £37.30 per month
                                                                                                                                                      £447.60 per year
                                                                                                                                                                            £50.00 per month
                                                                                                                                                                            £600.00 per year
                                                                                                                                                                                                  £63.20 per month £94.55 per month
                                                                                                                                                                                                  £758.40 per year £1,134.60 per year
                                                                                                                                                                                                                                                     As a Northumbrian Water employee, you get membership of Incorpore, the health club company,
                                                                                                                                                                                                                                                     and access to an exclusive network of 2,200 health clubs, gyms and leisure centres, which are
     Prices quoted include Insurance Premium Tax charged at a rate of 5%. Prices are valid until 31st March 2011.                                                                                                                                    guaranteed to offer you the lowest corporate rate available. As an Incorpore member, you will also
     Dependants include the employee's partner and children up to the age of 21 (or 24 if in full-time education). Denplan Elementary is not applicable
     to children under the age of 18 (or 19 if in full-time education) as they are exempt from NHS charges.                                                                                                                                          receive a guest pass or trial to view and experience the club prior to joining.
     Exclusions Treatment prescribed, planned, advised or taking place on or before the commencement date of the policy or for claims under the dental injury or dental emergency benefit for treatment required as a result of an incident
     that occurred prior to the commencement date of the policy. Treatment in connection with dental injuries must commence within a period of 6 months and must be completed within 24 months of the date of the original incident.                 How it works                                             Once you have chosen your club please
     Any treatment relating to damage or injury caused whilst participating in contact sports (including training) unless the appropriate mouth protection is worn. Any treatment not deemed to be clinically necessary. Implants and all costs      To locate your nearest participating health              contact them quoting Incorpore to book              There is no deadline for registering for
     associated with the preparation and fitting of such a device. Treatment for mouth cancer diagnosed before or within 90 days after you joined Denplan or for which tests or consultations began within those 90 days, even If the diagnosis is                                                                                                                this benefit. If you would like assistance
     not made until later. If you pay your premium directly to Denplan you can only be covered under the terms and conditions of the policy from commencement date if you are a resident in the UK, Isle of Man or the Channel Islands.              club and to discover all the advantages of               your visit. Please take this booklet with you to
                                                                                                                                                                                                                                                     your Incorpore membership please visit                   the health club as proof of employment with         in choosing a club, would like to make a
     How do I join?                                                                    Full details of the benefits, exclusions and limitations                    Calls may be monitored or recorded for training purposes.
                                                                                                                                                                                                                                                     www.incorpore.co.uk and log in using                     Northumbrian Water.                                 booking, or for further information visit the
                                                                                                                                                                   Denplan Limited, Registered number 1981238, England. Registered office
     You must register your interest with Personal Group                               can be found in the terms and conditions within the                         107 Cheapside, London, EC2V 6DU, United Kingdom. This policy is                   company reference NWL.                                                                                       member section of the website address
     by 26 February 2010, by completing the Dental                                     policy handbook, which will be sent out to you if                           underwritten by AXA PPP Healthcare Limited. Registered in England                                                                                                                              (your member login code is ‘NWL’),
                                                                                                                                                                                                                                                                                                              If your chosen fitness club does not currently
     Plan section of the mybenefits application form.                                  you register your interest.                                                 number 3148199. Registered office 107 Cheapside, London, EC2V 6DU,
                                                                                                                                                                                                                                                                                                                                                                  or call the 24 hour customer support line.
                                                                                                                                                                   United Kingdom. Denplan Limited is an Appointed Representative of AXA             Alternatively, telephone the 24 hour customer            participate in the network, they will endeavour
                                                                                                                                                                   PPP Healthcare Limited which is authorised and regulated by the Financial
                                                                                       For more information call Denplan direct on                                 Services Authority. Denplan Limited can only offer the dental insurance of        support line on 0870 121 0829 and quote                  to incorporate the club.
                                                                                                                                                                   AXA PPP Healthcare Limited.                                                       reference Northumbrian Water.
                                                                                       0800 838 951 and quote Northumbrian Water.



     15      Good things in water...                                                                                                                                                                                                                                                                                                                                                            mybenefits        16
06629 My Benefits Booklet 2010 v3_06629 My Benefits Booklet 2010 v3 19/01/2010 17:43 Page 19




     Personal financial and                                                                                                                                     Taxation service
     mortgage advice service                                                                                                                                    Believe it or not, the taxman owes money to nearly half the working population of the UK.
                                                                                                                                                                And you could be one of them.
                                                                                                                                                                Personal Taxation Services, the UK’s leading          Important information:                           There is no deadline for registering for this
                                                                                                                                                                personal tax rebate specialist has, to date,          • No rebate, NO FEE.                             benefit. Simply complete the tax claim form
     The Personal Financial and Mortgage Advice Service gives all employees access                                                                              secured more than £60 million for tax payers.         • 60p in the pound refunded to you from          provided in the back of this booklet or visit
     to independent financial advice.                                                                                                                                                                                   every successful claim.                        the website.
                                                                                                                                                                To see if you are eligible to receive a tax rebate,
                                                                                                                                                                                                                      • A completely confidential service.             For more information call 0870 121 0818
     Simply call the telephone number or access the     Savings and investments                         For more information call 0845 122 0060                 please complete and send the questionnaire
                                                                                                                                                                                                                      • The odds of receiving £10 from Personal        Monday to Friday 8.30am - 6.00pm,
     Berkeley Morgan Ltd website                        • A range of savings schemes, including bonds   and quote ‘NWLF01’.                                     enclosed in the back of this book or visit their
                                                                                                                                                                                                                        Taxation Service are averaging 3 to 1.         and quote ‘10122’.
     www.berkeleymorgan.co.uk. They will                  and tax-efficient ISAs.                                                                               website at                                            • Rebates obtained to date range from
                                                                                                        The Personal Financial and Mortgage Advice Service is   www.taxbuddies.com/pts/numwat.htm
     arrange for a Financial Adviser to discuss your                                                                                                                                                                    £10 to £11,011.27.                             Personal Taxation Services is not part of the Personal
                                                        Mortgages                                       Whole of Market. This means they can look at a wide
     individual circumstances with you on the                                                                                                                                                                                                                          Group of Companies.
                                                        • A wide range of mortgages for those who       range of providers and recommend one suitable for
     telephone or, where appropriate, arrange an
                                                          are moving home.                              your circumstances. The Personal Financial and
     individual meeting at a time and location
                                                        • Home Buying for the first time.               Mortgage Advice Service is operated and administered
     convenient to you.
     Professional personal advice on...
     Pensions
     • Existing or new personal pensions.
                                                        • Remortgaging for a better deal or to raise
                                                          extra funds.
                                                        Your home may be repossessed if you
                                                        do not keep up repayments on your
                                                                                                        by Berkeley Morgan Ltd, a company authorised and
                                                                                                        regulated by the Financial Services Authority.
                                                                                                        Registered address: John Ormond House, 899 Silbury
                                                                                                        Boulevard, Central Milton Keynes MK9 3XL.
                                                                                                                                                                Discounted unbranded uniform
     • Company pension transfers - via their            mortgage or any other loan secured              LighthouseCarrwood Ltd is an appointed                  The following items of unbranded uniform are          They are available to view in the restaurants    Pricing will be subject to an annual review.
       associate company, LighthouseCarrwood            on it.                                          representative of LighthouseXpress Ltd which is         available for you to buy, at a discounted rate        at Pity Me, Boldon House, Leat House and         An additional charge of £2.00 per order
       Protection.                                                                                      authorised and regulated by the Financial Services                                                            Sandon Valley House as well as at St Mary's,     will be made for postage and packing.
     • Ways of helping you plan and protect.            This benefit is on offer until the end of the   Authority.                                              Navy fleece                 £11.00     RRP £17.50     Horsley, Cramlington and Thornaby.               Purchases can be made via the Horsley
     • Comparisons with existing life/critical          scheme year (31 March 2011). Simply call                                                                Navy body warmer            £8.50      RRP £13.20                                                      Call Centre on 01661 855 513.
       illness policies.                                the number to receive any financial and                                                                 Navy sweat shirt            £5.50      RRP £8.60
     • Cover for individuals and for possessions.       mortgage advice.                                                                                        Navy polo shirt             £4.50      RRP £6.50




                                                                                                                                                                Free fishing
     Discounted legal services                                                                                                                                  Free Fishing is available to you as a
                                                                                                                                                                Northumbrian Water employee between
                                                                                                                                                                                                                      All employees, including partners must be
                                                                                                                                                                                                                      registered to fish.
                                                                                                                                                                                                                                                                       A partner and up to two children or
                                                                                                                                                                                                                                                                       grandchildren may fish free.
                                                                                                                                                                13 March 2010 - 30 November 2010 at
     The commercial law firms used by                   Gordon Brown Associates have offices in         Wortley, Redmayne Kershaw have                          the following locations:                              You are allowed a maximum of 3 trout per visit   This offer also applies to retired employees.
     Northumbrian Water in the North East and           Newcastle, Sunderland, Chester-le-Street        offices in Chelmsford. Please contact                   Abberton, Cow Green, Derwent, Fontburn,               except at Whittle Dene and Abberton where
     South are offering 7.5% discount on legal          and Houghton-le-Spring. Please contact          Graeme Atkinson on 01245 491122 or                      Grassholme, Hanningfield, Hury, Kielder*,             all fish caught must be returned.                To obtain a registration form together with
     services including conveyancing and will writing   them on 0191 388 1778 quoting                   g.atkinson@wrklaw.com quoting                           Scaling Dam and Whittle Dene.                                                                          the full terms and conditions, please call
     to employees and their immediate family.           Northumbrian Water.                             Northumbrian Water.                                     *(Kielder closes 7th November 2010.)                                                                   0845 155 0236.



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     Bikes for the family                                                                                                                                                                                Holiday discounts
     If you are not eligible for the Cycle2Work scheme               • Give your name, company name, employee                        Wheelies Direct
     because you do not use your bike for work                         number, address plus the total price of goods
                                                                                                                                                                                                         Take advantage of commission                                Airtours                                  12%
                                                                                                                                     Log on to their website
     related travel, you have the opportunity to                       you wish to purchase and Halfords will post you               www.wheelies.co.uk/nwl and choose the                               free travel on your next holiday.                           Beachcomber                               12.5%
     purchase a bike or cycle accessories for yourself                 a voucher to be used as part payment in-store                 bike you wish to purchase or contact their                                                                                      Club 18 - 30                              9.5% - 10.5%
     or your immediate family at 15% discount from                     e.g. If the chosen cycle and accessories total                customer service team on 0870 128 8762                              Select your next holiday from                               Club Med                                  13%
     Halfords or online from Wheelies Direct.                          £100, Halfords will send you a voucher to the                 quoting Northumbrian Water.                                         ANY* tour operator brochure                                 Cosmos                                    10% - 14%
                                                                       value of £15 to be presented in store when you
     Halfords                                                          purchase your goods.                                          The 15% discount will apply to sale items and                       and with Lifestyle you're sure                              Cresta Holidays                           10% - 13%
     First choose your cycle and cycle accessories                                                                                   special offers and includes free delivery to any                    to make great savings. With                                 Crystal Holidays                          7%
     from any one of the Halfords stores, visit                      • Vouchers can only be spent on cycles and                      UK mainland address, 12 months' full guarantee
     www.halfords.com to locate your nearest store.                    cycle accessories at full retail value in-store.              on all products and a 24/7 customer care line.
                                                                                                                                                                                                         over 750 brochures to choose                                First Choice                              10%
                                                                       This offer cannot be used in conjunction with                                                                                     from you'll be spoilt for choice.                           Hayes & Jarvis                            10%
     • Contact Halfords Business Services on                           any other offers and excludes the Boardman                                                                                                                                                    Inghams                                   14%
       0870 126 1829 between 9am and 5pm                               bike range and specialist order bicycles.                                                                                         How to book                                                 Jetsave                                   10%
       Monday - Friday.                                                The minimum purchase is £50.                                                                                                      Once you have chosen your holiday call the                  Kuoni                                     11%
     • Quote Scheme Code: NWLHal10.                                                                                                                                                                      Lifestyle hotline on 0845 129 7775 to make                  Leger Holidays                            10% - 16%
                                                                                                                                                                                                         your booking.
                                                                                                                                                                                                                                                                     Libra Holidays                            10% - 16%
                                                                                                                                                                                                         * Tour operator must be ATOL/ABTA bonded.                   Norwegian Cruise Lines                    15%


     Cinema                                                                                                                                                                                              Excludes direct sell operators.

                                                                                                                                                                                                         For more information call 0845 129 7775
                                                                                                                                                                                                         and quote Northumbrian Water.
                                                                                                                                                                                                                                                                     P&O Cruises
                                                                                                                                                                                                                                                                     Premier Holidays
                                                                                                                                                                                                                                                                     Sovereign Holidays
                                                                                                                                                                                                                                                                     Thomas Cook
                                                                                                                                                                                                                                                                                                               12%
                                                                                                                                                                                                                                                                                                               10% - 17%
                                                                                                                                                                                                                                                                                                               10% - 12%
                                                                                                                                                                                                                                                                                                               12%
     Fantastic savings are available                                 These vouchers have no expiry date, so you can                  How do I order?                                                                                                                 Thomson Holidays                          7%
                                                                     choose when to redeem them.                                     Call the Lifestyle hotline on 0845 121 1750 and
     for visits to the cinema                                                                                                                                                                                                                                        United Vacations                          15%
                                                                     Vouchers start from just £8.46 per standard pair,               quote ‘Northumbrian Water’ Monday                                                                                               Virgin Holidays                           10% - 13%
     Watch the latest film releases in the comfortable               including FREE postage & packaging. And there                   to Friday 9.00am - 5.30pm or online via the
     surroundings of your local cinema and enjoy a                   are no charges for credit or debit card payments.               Lifestyle website at
     superb saving of up to 30%*. With over 200                                                                                      www.lifestylerewards.co.uk/cinema and                               Terms and Conditions: 1. Bookings must be made at least 14 days in advance of your proposed date of travel. You may use the offer for yourself, spouse (or
                                                                     *(Savings based on average cinema entrance prices.)             quote NOW. Details of your nearest participating                    partner) and for unlimited dependants. In addition you may use the travel offers for persons other than those named above provided you are travelling with them
     participating cinemas nationwide, you'll be spoilt
     for choice!                                                                                                                     cinema can also be found here. Please allow                         both on your outward and return journey. 2. Discount applies to prices as published in the operator’s brochure (including any published special offers e.g. early bird
                                                                                                                                     7 working days for delivery of your vouchers.                       discounts) but cannot be applied to special internet offers that they may advertise from time to time. 3. Discount levels are subject to change without prior notice.
     Simply order your vouchers in advance via the                                                                                                                                                       For the latest discounts please refer to the mybenefits website www.personal-benefits.com/nwl. 4. Offer excludes direct sell operators e.g. James Villas, Portland
     Lifestyle hotline, stating which cinema you wish                                                                                Due to the fast changing nature of the cinema industry, you are
                                                                                                                                     advised to check participating locations via the website prior to   Holidays. Offer also excludes optional extras e.g. excursions, attractions passes, lift passes etc. 5. Deposit/payment requirements will be advised at the time of
     to visit. Then on arrival use your vouchers just like                                                                           making a purchase or setting out on your journey.                   booking. Cheques and Postal Orders should be made payable to: ‘P&MM Travel Limited’. Please note that charges will show as 'P&MM Travel Ltd' on your bank
     a gift voucher to purchase either an adult or
                                                                                                                                                                                                         statement and a 1.5% charge for using your credit card will apply. 6. Bookings will occasionally need to be made by a P&MM representative over the telephone and
     child’s ticket.
                                                                                                                                                                                                         this may result in your details being taken and your call being returned.
     Terms and Conditions 1. Cinema vouchers cannot be used to reserve tickets by phone, Internet or WAP ticketing services, nor do they give you priority over others. 2. Vouchers are not
     refundable, exchangeable or for resale. Duplicate copies or altered vouchers will not be accepted. 3. Admission is subject to normal film classification restrictions. 4. Offer cannot be
     combined with any other discount or promotional offer nor can it be used at premieres or special events. 5. Rates and participating cinemas are correct at the time of going to press and are
     subject to change without prior notice. 6. Once we have ordered vouchers on your behalf we will not be able to cancel or refund your order. Please note that charges will show as 'P&MM
     Travel Ltd' on your bank statement. 7. 3D films may be excluded, please check when ordering your tickets.




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06629 My Benefits Booklet 2010 v3_06629 My Benefits Booklet 2010 v3 19/01/2010 17:44 Page 23




     Holiday additions                                                                                                                                         Virgin experience days
     Make great savings on flights, car rental and holiday extras.                                                                                             Save up to 20% on selected                           There are lots of experiences with many                        Call 0845 120 1814 and quote
                                                                                                                                                                                                                    different themes - from driving a Ferrari, to                  Northumbrian Water or visit
     Up to 10% off flight bookings                     • Receive 12% off airport hotels and airport       For full terms and conditions please refer           Virgin Experience Days                               feeding big cats or a day at a health spa.                     www.virginexperiencedays.co.uk/nwl
     Receive up to 10% off your airfare with charter     by rail travel.                                  to the mybenefits website
     flight operators e.g. Monarch and First Choice                                                       www.personal-benefits.com/nwl. Bookings
     Airways. (Offer excludes direct sell airlines     Up to 12% off world-wide car rental                will occasionally need to be made by a P&MM
     e.g. Ryanair, easyJet etc.)                       • 12% off Holiday Autos.                           representative over the telephone and this may


                                                                                                                                                               Travel insurance
                                                                                                          result in your details being taken and your call
     Up to 13% off holiday extras                      Please note that charges will show as ‘P&MM        being returned.
     • Receive 13% off airport parking.                Travel Ltd’ on your bank statement and a 1.5%
       (Valet parking also available subject           charge for using your credit card will apply.      For more information call 0845 121 1748
       to availability)                                                                                   and quote Northumbrian Water.
     • Receive 10% off airport lounges.
                                                                                                                                                               With Holiday Travel Insurance                          Cover                                            Maximum Sums Insured Per Person
                                                                                                                                                               from Rapidinsure you can rest                          Cancellation (Optional cover)                   £3,000


     Kielder lodges                                                                                                                                            assured that you are protected
                                                                                                                                                               against the cost of most of the
                                                                                                                                                               mishaps that could happen to
                                                                                                                                                               you when you are on holiday.
                                                                                                                                                                                                                      Curtailment
                                                                                                                                                                                                                      Missed Departure
                                                                                                                                                                                                                      Travel Delay
                                                                                                                                                                                                                      Personal Accident
                                                                                                                                                                                                                      Medical Emergency Expenses
                                                                                                                                                                                                                                                                      £3,000
                                                                                                                                                                                                                                                                      £1,000
                                                                                                                                                                                                                                                                      £100 (Abandonment £3,000)
                                                                                                                                                                                                                                                                      £10,000
                                                                                                                                                                                                                                                                      £5,000,000
                                                                                                                                                                                                                      Medical Inconvenience Benefit                   £300
     15% discount on Kielder Lodge bookings            The booking must be made in your name and          For further information please contact the leisure                                                          Loss of Passport/Driving Licence                £250
     For bookings from 1 April 2010 a 15% discount     the lodge occupied by you. The offer is not        team on 01434 251 000. Please quote your             You can choose either a single trip or annual
                                                                                                                                                                                                                      Personal Public Liability                       £2,000,000
     off the brochure price for Kielder Lodges is      transferable. The discount is offered on the       employee number when making a booking.               multi-trip policy, both providing the wide range
                                                                                                                                                                                                                      Legal Expenses                                  £25,000
     available to you as a Northumbrian Water          brochure price, and does not apply to promotions                                                        of benefits shown. Cover is available at very          Personal Property (Optional Cover)              £1,500 (Limits apply to certain articles)
     employee.                                         or to combined packages, e.g. Winter                                                                    competitive prices.                                    Personal Money                                  £500 (Cash £200)
                                                       Wonderland combined lodge and ticket offer.                                                                                                                    Delayed Baggage
                                                                                                                                                               All trips must start and finish in the UK, involve
                                                                                                                                                                                                                        Over 24 hours                                 £250
                                                                                                                                                               at least one pre-booked overnight stay and               12 to 24 hours                                £100
                                                                                                                                                               must not last more than 31 days.                       Winter Sports (Optional Cover)


     Hotels & short breaks                                                                                                                                     Simply visit the website or call the number
                                                                                                                                                               below to purchase this benefit.
                                                                                                                                                               If your travel plans are not restricted to
                                                                                                                                                               short-stay holidays, check the Rapidinsure
                                                                                                                                                                                                                        Ski Equipment
                                                                                                                                                                                                                        Ski Hire
                                                                                                                                                                                                                        Delayed Ski Equipment
                                                                                                                                                                                                                        Ski Pack
                                                                                                                                                                                                                        Piste Closure
                                                                                                                                                                                                                                                                      £750 (Single article limit £150)
                                                                                                                                                                                                                                                                      £300
                                                                                                                                                                                                                                                                      £100
                                                                                                                                                                                                                                                                      £250
                                                                                                                                                                                                                                                                      £300
                                                                                                                                                                                                                        Avalanche                                     £150
     Guaranteed savings from 10% up to 60% on hotels and short breaks worldwide.                                                                               website - they can also arrange cover for              All benefits are subject to the terms, conditions and exclusions of the policy
                                                                                                                                                               groups, backpackers and business trips.
     HotelStayUK works with major UK and worldwide     • Hotels in city, town, coastal and                For more information call                            All benefits quoted are valid at 25 January          For a full quotation visit www.rapidinsure.co.uk and include reference code NW4 OR call
     hotels to provide hotel and short breaks.           countryside locations.                           0845 120 1813 quoting ref NWL                                                                             0844 8730 902 (Monday to Friday 9.00am - 5.00pm) and quote reference code NW4.
                                                                                                                                                               2010 but may subsequently change
                                                       • Fantastic last minute deals.                     Monday to Friday 9.00am – 6.00pm or visit
     They can offer:                                                                                                                                           without notice.                                      Rapidinsure.co.uk Limited is an appointed representative of Berkeley Morgan Limited (registered in England and Wales
                                                       • Discounts at major hotel groups.                 www.hotelstayuk.com                                                                                       No 2601046). which is authorised and regulated by the Financial Services Authority. Rapidinsure.co.uk Limited (registered
     • 30,000 hotels in the UK, Europe
                                                       • Easy-to-use website.                             and log in with password NWL to make                                                                      in England and Wales No 3870327). Registered address, John Ormond House, 899 Silbury Boulevard, Central Milton
       and worldwide.
                                                       • Advice and booking line.                         safe and secure online bookings.                                                                          Keynes MK9 3XL.




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