VIEWS: 69 PAGES: 12 POSTED ON: 8/16/2011
Good things in water... A clear vision... a great place to work mybeneﬁts 2011/12 Welcome Core Welcome to Northumbrian Water’s mybeneﬁts booklet for beneﬁts 2011/2012. On the following pages you will ﬁnd the information you need to understand the comprehensive set of beneﬁts available to Core beneﬁts are the beneﬁts are required to work these afternoons due to accrue during the whole period of your leave, you as an NWL employee. that you enjoy simply because business need, you will receive the equivalent time plus any bank holidays which arise during off in lieu. your absence. We categorise the benefits under Voluntary beneﬁts (pages 10-22) you work for Northumbrian 3 headings: There are a wide variety of voluntary Water - you get them as part of Annual leave is earned on an accrual basis, Paternity/Partner leave working for a leading employer. so if you join or leave the company part way If you have at least 26 weeks of continuous benefits on offer, the majority of which during a leave year your entitlement will be service by the end of the 15th week before your Core beneﬁts (pages 2-4) are provided at discounted rates from Some, like annual leave, your prorated. Our holiday year runs from 1 April to 31 baby is due, or by the week in which you are are automatically provided to external providers. pension and Back to Health, March, unless otherwise stated. notified of being matched with a child for employees and include for example you get automatically. Maternity and adoption leave adoption, you will be entitled to up to 10 days annual leave, sick pay and pension We are continuing to work with a ordinary paternity leave with full pay. This will be Maternity and adoption leave of up to 52 weeks is calculated on a pro-rata basis if you work part- provision. specialist benefits company, Personal Others, such as maternity and available to employees irrespective of length of time. Ordinary paternity leave must normally be Group who support the mybeneﬁts paternity leave, you may qualify service. If you have 26 weeks' continuous taken within a period of 8 weeks before or after Tax efﬁcient beneﬁts (pages 5-9) programme. for depending on your personal employment by the 15th week before your baby the birth of your baby or within 8 weeks of a Smart Water, childcare savings, is due, or before the week in which the matching circumstances. certificate for adoption is issued, you can receive placement. If you are expecting a baby, or are Cycle2work, the buying of additional Enclosed with this book is an full pay for the first 26 weeks and statutory matched for adoption, on or after 3 April 2011, holiday, the share incentive plan and application form together with a set of More information on the core maternity/adoption pay for a further 13 weeks. you may be able to take additional paternity the Salary Sacrifice Car Scheme are rules covering the different benefits. beneﬁts is provided in the If you are participating in salary sacrifice benefit leave by sharing your partner’s maternity or adoption leave. tax efficient. employee handbook. options, you can either leave the salary sacrifice Applications for benefits can be made scheme (subject to the particular scheme rules) Parental leave Annual leave and receive the above enhanced pay, or retain If you have been continuously employed for at If you decide to sacrifice part of your on-line or by post. Benefits requiring a On joining the company, your holiday entitlement, your salary sacrifice benefits and receive statutory least one year and have responsibility for a child salary in exchange for the provision of change to your salary must be and how it increases, will be explained to you in maternity/adoption pay only. under the age of 8, you will be eligible for unpaid one or more of these benefits you can received by 25 February 2011. your contract of employment. leave of up to 13 weeks. 18 weeks of parental To retain enhanced payments you must return for save tax and National Insurance on Your entitlement to annual leave and bank a minimum of 26 weeks excluding any absence leave will be granted to parents of disabled the amount of the sacrifice. holidays will be calculated on a pro-rata basis or keeping in touch days worked. children under the age of 18. The length of if you work part-time. parental leave that you can take in any year, In addition when you return, you will receive five or at any one time, is normally dependent on In addition, you receive two paid half-day holidays days special leave to be taken during the first four the operational circumstances that exist at the Heidi Mottram (applied pro-rata if you work part-time) in respect weeks upon return, applied pro-rata if you work time. Leave must be taken in blocks of at least Chief Executive of the afternoons of 24 and 31 December. If you part-time. Your annual leave will continue to one week. 01 Good things in water... mybeneﬁts 02 Core beneﬁts Company sick pay the healthcare trust scheme and company funding RehabWorks Life assurance Long service awards We seek to support you when you are ill. We are available from HR. If you are not eligible for the RehabWorks is a health and well-being service We provide a life assurance scheme for all If you have 20 years of continuous employment In addition to the EWP, Serco Health provide have an absence management policy that aims healthcare trust scheme you can be covered by which provides specialist advice and treatment to employees. Regardless of your length of service or more, we will recognise your anniversary by telephone based support if you need help to assist you during your illness so that you can the Back to Health scheme - you cannot be a help employees with recovery from or working hours, the payment would be based funding a gift of your choice to the following with a stress related or mental health condition return to normal work as soon as possible. member of both. If you are a member of the musculoskeletal disorders (MSDs). This service is on four times your annual salary. values, as a token of our appreciation: regardless of the cause of the problem. You healthcare trust scheme and you leave the available to all employees who have, or are can access this service via your line manager In the event of unavoidable absence through company, you may choose to purchase private developing an MSD and provides speedy access Personal accident insurance Continuous employment Award (or HR Adviser) who will arrange for an sickness, provided notification and certification medical insurance from AXA PPP on leaving. The to chartered physiotherapists who are able to The personal accident insurance scheme 20 years £250 Occupational Health Adviser to give you a call procedures are followed and on the basis that company has negotiated preferential terms that diagnose and treat such problems. You can provides cover for employees in the event that to discuss your situation, identify what help you do not prejudice your recovery, payment will include cover for existing medical conditions, or a access this service via your line manager who will you suffer an accident either in or outside work. 30 years £300 refer you to RehabWorks for an assessment and is needed and then make the necessary normally be made (inclusive of statutory sick pay) discount on AXA PPP's standard rates or up to The payment of this benefit is at the discretion of 40 years £400 arrangements on your behalf. in accordance with the scale set out in the treatment. the insurer and varies depending on the severity three month's free cover. The terms available will employee handbook. The duration of company depend on the level of cover chosen. Pension of your injuries. Employee Wellbeing Programme (EWP) sick pay increases with service. We offer a choice of two pension arrangements for This benefit is provided by experts outside the The insurance covers injuries causing death If you wish to make private arrangements to cover new employees, depending on the terms of their or permanent disability with a maximum benefit company and is a free confidential service that Healthcare Trust Scheme children only, AXA PPP offers a policy called First contract - the Northumbrian Water Pension of six times basic annual salary. We may change includes quick access to face to face and The healthcare trust scheme is available on a full Healthcare. The company has negotiated a 10% Scheme - Defined Contribution section, or a the terms of insurance from time to time. telephone counselling. Both you and family or part subsidy basis to employees who were discount on the published price for cover. Stakeholder arrangement (also a defined members living with you at the same address members on 1 July 2005 and who have remained contribution scheme). Our final salary pension Professional subscriptions can call the EWP 24 hours a day, 7 days a members since then, together with personal scheme was closed to new entrants on 31 Back to Health If membership of a professional body or week and speak to trained professionals who contract holders. December 2007 but continues for existing institution is essential to your position or is will provide you with the support and guidance Back to Health is a health plan, which can cover members. Members can terminate their membership, or you if you need medical treatment and you are not beneficial to the business, we will refund up you need to deal with a range of everyday remove family members from cover, at any time. a member of the company’s Private Healthcare Group Income Protection to a maximum of three annual subscriptions challenges such as relationship issues, financial Family members can be added at additional cost Trust scheme. Back to Health can be accessed If you are a member of the Northumbrian Water per annum, if authorised by your line manager. concerns, legal queries, consumer issues, family within 3 months of a lifestyle event. Lifestyle events where your condition prevents you from carrying Pension Scheme - Defined Contribution Section, If student membership of a relevant professional care/health, bereavement, insurance claims and include marriage; entering into a common-law, out your normal duties and allows you to return you are automatically covered under the Group body or institution is required before you can sit housing queries. civil partnership or equivalent relationship; to health and to work sooner than you otherwise Income Protection Plan, which provides you with examinations, we will provide financial support might have done. Any tax liability will be met by an income for a period of time should you be for this. the birth of a child; or following the placement the company. unable to continue work due to ill health. of a child for adoption. Cover for children is only available until age 18, or up to 21 if they remain The amount of benefit payable is subject to the in continuous education. You pay tax on the value terms of the insurance policy in place. We may . of any company membership funding. Details of change the terms of insurance from time to time. 03 Good things in water... mybeneﬁts 04 Buying and selling holidays Smart Your contract of employment will state your holiday entitlement. You may choose to either If you sell a day, two days or three days of leave, your annual salary will be increased by 1/260, Any holiday bought is not liable for income tax or NI contributions, but there is a tax water buy up to five additional days of leave or to 2/260 or 3/260. The change in gross annual pay and NI liability on the amount of gross pay sell three days from your annual holiday will be spread equally over the remaining months received for selling leave. entitlement. The value of a day of holiday of the scheme year, i.e. 12 if you sell holiday in Smart Water is a salary sacriﬁce arrangement under which you can exchange salary for free water will be 1/260 of your annual salary. April and 6 if you sell holiday in October. In the If you want to buy or sell any holidays, you and sewerage, water only or sewerage only services that are provided by the company. If you case of holiday bought and sold in April, the must complete the mybeneﬁts application If you wish to buy holiday you must decide at the amount will be fixed based upon your salary form on-line or use the enclosed form and decide to take advantage of this beneﬁt, you will no longer be liable for water/sewerage charges beginning of the scheme year. If you wish to sell as at the 1st April 2011 and will not be adjusted return it by 25 February 2011. for your main residence and will be able to save tax and National Insurance on the amount of the holiday you have two opportunities to do this, subsequently if your salary increases or sacriﬁce. Your salary sacriﬁce will be equivalent to the charge that would have been incurred if you in April and October. If you buy a day, two days, decreases during the remainder of the had been a billable customer (referred to as “Smart Water Value” in the table). three days, four days or five days of leave, your scheme year. gross annual salary will be reduced by 1/260, 2/260, 3/260, 4/260 or 5/260 respectively. How do I join? How much can be saved? To be eligible: Smart Water Value Tax & NI Savings per Tax & NI Savings per • You must be a named account holder Examples annum for 20% taxpayer annum for 40% taxpayer for water and sewerage, sewerage only or water only services supplied £300 £90 £120 by the company £150 £45 £60 • The property must be your main domestic residence £50 £15 £21 • You must be a UK tax payer (discounted scheme for South based staff) • You must decide whether you wish to Note: The company will disclose to HMRC that a benefit is being provided to you in the form of Share incentive plan participate in Smart Water when we write free water/sewerage. There will be tax payable by you on this benefit in kind. The current benefit to you in January each year in kind agreed with HMRC is £4.00 (unmeasured) and £5.00 (measured) which means that as a 20% tax payer you will pay £1.00 in tax if you have free water and sewerage and £2.00 if you You will be unable to participate in the benefit are a 40% tax payer. if the reduction in your salary will take your earnings below the lower earnings threshold For measured customers the Smart Water or Essex and Suffolk Water. Water supplied by or national minimum wage. Value is estimated on average usage and Hartlepool will continue to be billed by them The Plan enables you to buy shares in You can contribute up to 10% of basic salary Deductions will be made directly from your for both measured and unmeasured, and these charges must be paid to them. Northumbrian Water Group (NWG) on or £1,500 in each tax year. We will arrange for gross salary to purchase the partnership shares, If you are eligible to join, you should already includes a reduction equal to the Direct an advantageous and tax efficient basis. shares to be bought for you and will provide so you will not normally pay income tax or NI have received a letter detailing the amount of Debit discount you would have received Details of Smart Water can be found in one matching share for every three partnership contributions on this amount. sacrifice required for 2011/2012 together with as a billable customer. the Smart Water Questions & Answers The Plan is open to all employees who shares you purchase. As a shareholder in NWG, the action you need to take if you wish to document and Rules of the mybeneﬁts are resident in the UK for tax purposes you will normally receive dividend payments Full details of the Plan are provided in a separate participate in the benefit. If you receive sewerage services from Thames scheme. These are available on livelink and have been continuously employed twice per year. booklet ‘Sharing in our future’ available from HR. Water or water from Hartlepool Water, it is still under people/pay and beneﬁts or from for at least three months. possible for you to participate in Smart Water. your manager. However your participation is limited to the services you receive from Northumbrian Water 05 Good things in water... mybeneﬁts 06 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 We are committed to this benefit and in You can use the care-4 scheme to pay registered You must also register your details with care-4. possible for employees to request a price to purchase the car. supporting employees who strive to achieve the carers including childminders, day nurseries, You can do this by telephone or on-line using optimum work/life balance. after-school clubs and play schemes, as well as the number or website address given below. If you decide to take advantage of this benefit, How do I obtain a quotation? approved home carers such as nannies. you will make savings on tax (including VAT) Our car provider Tusker have an on-line The care-4 scheme takes advantage of a You will need to provide your Payroll number, Government initiative that allows a proportion of your name and address, your carer's name and NI arising from the sacrifice and will also system which can calculate the amount The scheme also entitles you to free parental the childcare costs that you pay through care-4 to and full address and the name and date of benefit from NWL fleet discounts. of sacrifice required for any chosen car. support on health, education and general issues, be free from income tax and NI. 24 hours a day, 365 days a year. The childcare birth of each of your children. helpline includes a childcare search service, You will be liable for benefit in kind tax based If you require any assistance or advice on From April 2011, current scheme members and The Rules of the mybeneﬁts scheme as on the car’s value (often referred to as P11d choosing a car, please contact Tusker’s basic rate tax payers can save tax and NI on should you wish to change your current childcare amended from time to time apply. A copy arrangements and for emergency/temporary value), its CO2 emissions and fuel type. The Customer Service Team on 08719 955 551 £243 per month, higher rate tax payers on £124 is enclosed and also available on livelink highest savings can therefore be achieved by or email email@example.com per month and additional rate taxpayers on £97 childcare options. under people/pay and beneﬁts/rules of choosing a car with low CO2 emissions. per month. As a care-4 member you have access to mybeneﬁts or from your manager. The Rules of the mybeneﬁts scheme as If you are paying 11% NI and 20% tax you could www.emergencychildcare.co.uk which Please note that if you are already using What is covered? amended from time to time apply together save the following: provides the opportunity to search for and book care-4 there is no need to re-register. • Maintenance – servicing, batteries, with the Questions & Answers sheet for emergency childcare when your normal childcare N.B. Payment to care providers is electronic exhausts, no quibble tyre replacement the Scheme. Copies are available on livelink Annual childcare cost £2,916 is not available. You can book for the same day so check your carer is able to accept this. • Insurance (fully comprehensive) under people/pay and beneﬁts/rules of or up to 3 weeks in advance and pay for the • Early termination contingency (limiting liability Annual tax saving £583 mybeneﬁts. place through your care-4 account. if you terminate the scheme early) Annual NI saving £320 In addition you have free access to • Gap contingency (covering you if the car is Total Saving £903 www.childcareplaces.co.uk, a service written off and there is any shortfall in the to assist you if you are looking for a new amount of insurance settlement) You can join care-4 by agreeing to reduce your childminder, by enabling you to search by • Road fund licence gross salary by a fixed monthly amount (up to your postcode for vacancies posted by registered • MOT (where applicable) tax free amount which is dependant on your tax childminders that are members of the National • Roadside assistance band) for the whole scheme year. These funds are Childminding Association. placed in a secure care-4 account from which you How do I join? authorise payments directly to your carer’s bank. You must select the care-4 benefit by You can pay your carer up to your tax free amount 25 February 2011, by completing the from the scheme. Any childcare fees above this childcare savings section of the amount you will need to pay direct to your carer. mybeneﬁts application form. 07 Good things in water... mybeneﬁts 08 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, this benefit takes How do I join? You will have a further opportunity to join How it works * The Savings Club bank account will generally How do I join? advantage of the Department for Transport’s The Rules of the mybeneﬁts scheme as the scheme in October 2011. You decide how much you want to save each earn interest in line with base rate. Tax will be Simply complete the Christmas Savings section initiative to try to encourage us to use amended from time to time apply. A copy month. You can save as little as £10 per month deducted before your share is added to your of the mybeneﬁts application form. Decide sustainable modes of transport to and from is enclosed and also available on livelink but can save anything up to £250 per month (in savings. No further tax liability will arise on the how much you wish to save each month and work. The tax and National Insurance savings under people/pay and beneﬁts/rules of multiples of £10). You then arrange to have this interest which can be omitted from your tax remember it must be the same amount until available through the scheme make mybeneﬁts or from your manager. amount deducted from your net pay, by return. December. Complete the application on-line or cycle2work a fantastic employee benefit completing the Christmas Savings section of send your completed form to Personal Group to and in addition NWL will pass back the You must register with cycle2work by . the enclosed mybeneﬁts application form or Extra value? arrive by 25 February 2011. reclaimable VAT. 25 February 2011, by completing the on-line. You can make your savings work even harder cycle2work section of the mybeneﬁts for you by using the lump sum from your The first deduction will be taken from your April Fifty per cent of the bike’s use should be work application form or on-line. All deducted amounts will be paid into an Christmas Savings Club to purchase pay as you pay. When you join, the first savings year will last related, e.g. travel to and from work, or to get exclusive bank account which has been set up go retail vouchers (see page 12). With savings 8 months but in future years the savings period around your work site, but you can also use it 1. Visit your local Halfords store to decide specifically for the Christmas Savings Club. of up to 12%, you can choose from a wide will be 12 months. for leisure. what bike and safety equipment range of vouchers that can be used for you require. You save the same amount each month during Christmas presents or festive fare. N.B. If you leave the company before the How does it work? the savings year and at the beginning of Christmas savings programme has been By entering into the cycle2work scheme you 2. Choose the value that is closest to the December your savings will be credited to your completed for that year, your savings will be agree to sacrifice an amount of your gross value you require. (N.B. the value must normal bank/building society account together refunded in full but no interest will be added. salary equivalent to the value you choose over cover the total value of products as you with a share of any interest*. At the beginning Stopping your monthly deductions before the an 18 month period. You will be able to save cannot add your own personal funds of of December you choose what to do for the deduction in November will only be considered tax and National Insurance on the amount of any description. You cannot receive any following year by either continuing to save the in exceptional circumstances and there will be the sacrifice. change or refund of the remaining amount). same amount, notifying a different amount you no access to the savings prior to December would like to save or withdrawing from the unless you leave the company. 3. Once your application has been authorised Savings Club. and processed you will be issued with a Letter of Collection which can be redeemed within any Halfords store. 09 Good things in water... mybeneﬁts 10 Shopping vouchers (deducted monthly from your salary) Retail vouchers (pay as you go) Discounted vouchers are available to use at major supermarkets, department stores and many Discounted vouchers are available to use at major supermarkets, department stores and retail outlets. other shops and restaurants. Northumbrian Water is able to source retail vouchers from major Order a minimum of £100 worth of shopping Example savings: Order £200 worth of Currys retailers at discounted prices and pass the savings on to you. There are no tax or NI implications. vouchers via the Lifestyle Voucher Service and Vouchers and you pay £180. There's a wide range of vouchers to choose from so there are lots of ways to save money. receive up to 12% off the value of your order. You can choose to have vouchers from any of the stores shown below and have the option to stop deductions after three, six, nine or twelve months. Supermarket vouchers can be used to purchase fuel at participating Supermarket branded petrol stations. Please check with your Voucher Outlets Lifestyle Savings local Supermarket petrol station before you ﬁll up. Arcadia Burton, Dorothy Perkins, Evans, Miss Selfridge, Outfit, Topshop, Topman, Wallis 9% Argos Argos 8% Asda Asda 5% Voucher Discount Voucher Discount * Arcadia Group Ltd - vouchers can be used in: Burton, Dorothy Perkins, Evans, Miss Selfridge, B&Q B&Q 9% Outfit, Topshop, Topman and Wallis. Boots Boots 7% Arcadia* 8% John Lewis (inc Waitrose) 8% ** Can be used in Currys, Currys Digital and PC World. Comet Comet 10% Argos †† 7% Leisure Vouchers †• 8% *** Can be used in HMV, Dillons, Hatchards and Currys Currys, Currys Digital 10% ASDA 5% Marks & Spencer 6% Waterstone’s. Debenhams Debenhams 8.5% † Includes Pizza Hut, Bella Italia, TGI Friday, Brewers Fayre, Gap Gap 10% B&Q 9% New Look 6% Beefeater, Marriott Hotels, Premier Inn, JMC, HMV HMV, Waterstone's, Hatchards and Hodges Figgis 9% Boots 7% Sainsbury’s 5% Haven & Warner Holidays and Red Letter Days Homebase Homebase 7% (see www.leisurevouchers.co.uk for the latest listings). Debenhams 8% Somerfield 5% †† Argos vouchers are valid for one year. House of Fraser House of Fraser, Dickens & Jones, Arnotts, Binns, Cavendish House, David Evans, D.H. Evans, Dingles, Hammonds, Rackhams, Frasers, Barkers, • Leisure Vouchers are valid for two years. Army & Navy, Howells, Jollys, Kendals 11% Currys** 8% Thomas Cook 6% Ikea Ikea 6% HMV*** 8% WHSmith 8% Laithwaites Laithwaites Wine 10% House of Fraser 9% Wilkinson 8% 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 10% can be spent. Leisure Vouchers can be used for travel, however they cannot be redeemed on the High Street. Please call the dedicated helpline as detailed at www.leisurevouchers.co.uk/howtoenjoy for details of how to redeem. Savings and budgeting ideas How it works To avoid any delays in delivery, please make Love2Shop The UK's leading multi-retailer gift voucher - accepted by over 85 retailers nationwide. Please see www.love2reward.co.uk for a full listing. 8% • Set aside your supermarket or fuel budget Simply place a minimum monthly order sure you update HR with any changes to your You can also spend your Love2shop Gift Vouchers at Park Travel. To use this voucher for holidays and travel you must call 0845 077 4444. as vouchers of £50, which may be split in multiples of home address. Marks & Spencer Marks & Spencer 5.5% • Buy vouchers for Christmas and birthdays £10 between any voucher type (e.g. £30 Morrisons Morrisons 2% New Look New Look 9% or use the vouchers to buy gifts The total amount in vouchers will be sent to Your monthly salary will be reduced by the River Island River Island 8% your home address around pay day. The cost (not the face value) of vouchers selected. Sainsbury's Sainsbury's 4% What do I save? vouchers, except where indicated, have Selfridges Selfridges 7.5% If you normally spend £400 a month on no expiry date. How do I join? Signet Ernest Jones, Leslie Davis, H Samuel 12% groceries, you would save at least £20 Complete the shopping voucher section of the Thomas Cook Thomas Cook and Going Places. Can be redeemed in any Thomas Cook Shop, through Thomas Cook Direct, against Thomas Cook TV by purchasing supermarket vouchers at enclosed mybeneﬁts application form or or via www.thomascook.com. 6% a 5% discount. apply on-line by 25th February 2011. Virgin Gift Virgin wines, Tenpin, Legoland, Garfunkels, Chiquitos, Est Est Est, Marco Pierre White Restaurants, Virgin Experience Days, Virgin Balloon Flights, Vouchers The Roof Gardens, Virgin Active, Virgin Cosmetics, Virgin Vouchers Travel Club, Virgin Atlantic, Virgin Holidays and many more. 6% WHSmith WHSmith 10% You would have a deduction of £380 from your net pay and receive £400 in vouchers. This Terms and conditions apply. Please see mybeneﬁts website for full details. example represents an annual saving of £240. 11 Good things in water... mybeneﬁts 12 Discounted/Cashback Computer loan shopping As an employee of Northumbrian Water you are able to apply for an interest-free computer The loan can be to a maximum of £750, repayable via monthly deductions from your from a PC e.g. digital camera. An application form together with full terms loan from the company provided you have salary over a fixed period of two years. and conditions is available on livelink under a permanent contract of employment or a The loan can be used to buy one PC or/and people/pay and beneﬁts/computer loan The discounted/cashback shopping site will To access simply go to For security, you will then be asked to create a fixed term contract which covers the one laptop or/and equipment linked to a PC or from your manager or HR. allow you to access savings from 100s of www.personal-beneﬁts.com/nwl and input unique username and password which you will repayment term and have satisfactorily e.g. printer/scanner purchased from a VAT retailers when you shop on-line and gives you the username and password as detailed in the use each time you log in to the site. completed your probationary period. registered supplier. It cannot be used for any You will be required to provide a receipt/proof the ability to accumulate cashback which you letter enclosed with your booklet. Once you item of equipment that works independently of purchase for authorisation for the loan. can then transfer directly and securely into your have gained access to the mybeneﬁts site click N.B. You will need to remember the username own bank account. on the lily – discounted/cashback shopping and and password you create for all future visits to Public transport travel loan register your membership number which is this site. shown on the reverse of the mybeneﬁts fob. 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 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 Reloadable cards 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. Asda and Sainsbury’s Save money on your everyday shopping Reloadable cards are currently available to use in store at Asda and Sainsbury’s. You can top Terms and conditions apply and discount rates may change. Reloadable cards cannot be used for placing orders on-line. Qualiﬁcation loan up the credit on the card at any time by using Full details for using the reloadable cards are available on the your debit/credit card and the balance on the website and the helpline staff will be able to give you further If you choose to undertake a course of study The loan is also available if you are receiving An application form and Qualification information when you call. The minimum amount that can be where the course is not a requirement of your partial financial support under the Professional Loan Policy is available on livelink under card can be used for in-store purchases loaded onto the card is £10. (excluding third-party concessions or role, you are able to apply for an interest-free Development Policy for the balance of the cost people/training and development/key products, petrol and lottery tickets). qualification loan, provided that you have a of the course, registration, assessment and links/qualiﬁcation loan. permanent contract or a fixed term contract examination fees. The maximum loan will The discount for Asda is 5% which covers the repayment term, have typically be £3,000 per annum, repayable by Payment will be made direct to the and Sainsbury’s 4%. satisfactorily completed your probationary monthly deductions from salary over a fixed educational provider. period and the course will lead to a period of two years, or the length of the course, recognised qualification. whichever is the greater. 13 Good things in water... mybeneﬁts 14 Discounted medicals Dental plan A range of comprehensive health assessments are available to both you and your partner Benefits Denplan Key Denplan Elementary Denplan Essential Denplan Essential Plus Denplan Extensive Denplan Extensive Plus through Nufﬁeld Health, at the NWL discounted rate of 12.5%. 100% Reimbursement For NHS treatment. ✖ ✔ ✔ ✔ ✔ ✔ Worldwide Dental Injury ✔ ✔ ✔ ✔ ✔ ✔ Cover for up to £2,500 of treatments per dental injury up to four incidents per policy year. Each of the health assessments provides a Further details and costs of the assessments Worldwide Emergency Dental Treatment ✔ ✔ ✔ ✔ ✔ ✔ comprehensive range of tests which will give are available on livelink under people/health 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. you a clear understanding of your current and wellbeing/discounted medicals. There is an overall maximum of £800 per policy year for this benefit. state of health as well as the opportunity to Hospital Cash Beneﬁt ✔ ✔ ✔ ✔ ✔ ✔ £50 for each night you stay overnight in hospital, up to £1,000 per policy year, for dental discuss any individual concerns in confidence If you are unsure which assessment is best for treatment under the care of a consultant specialising in dental or maxilofacial surgery in relation to a head or neck condition. with an experienced health professional. you, a Nuffield Health Adviser will be available Dentist Call-Out Fees ✔ ✔ ✔ ✔ ✔ ✔ to discuss in confidence your requirements Up to £100 per incident for up to two incidents per policy year. Following your health assessment you will and help you decide. Mouth Cancer Cover ✔ ✔ ✔ ✔ ✔ ✔ Up to £12,000 towards once course of treatment for up to eighteen months receive a detailed report which will explain following diagnosis (smokers are included). both the outcome of your assessment as well 24-hour Worldwide Emergency Helpline ✔ ✔ ✔ ✔ ✔ ✔ Routine Examinations ✖ 100% reimbursement Up to £50 Up to £50 Up to £100 Up to £100 as advice and guidance on managing your up to NHS limits per policy year per policy year per policy year per policy year health and lifestyle. Hygiene Treatments ✖ 100% reimbursement Up to £60 Up to £60 Up to £120 Up to £120 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 Health & leisure 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. per policy year per policy year per policy year per policy year Employee £4.50 per month £9.55 per month £15.60 per month £21.35 per month £26.40 per month £36.95 per month £54.00 per year £114.60 per year £187.20 per year £256.20 per year £316.80 per year £443.40 per year Employee and Partner £8.35 per month £17.85 per month £29.00 per month £40.00 per month £49.05 per month £73.90 per month £100.20 per year £214.20 per year £348.00 per year £480.00 per year £588.60 per year £886.80 per year Single Parent Family £7.25 per month £15.35 per month £25.05 per month £34.45 per month £42.35 per month £63.90 per month £87.00 per year £184.20 per year £300.60 per year £413.40 per year £508.20 per year £766.80 per year As a Northumbrian Water How it works Family Monthly £11.15 per month £133.80 per year £23.85 per month £286.20 per year £38.80 per month £465.60 per year £53.65 per month £643.80 per year £65.75 per month £100.80 per month £789.00 per year £1,209.60 per year employee, you get membership To locate your nearest participating health If your chosen fitness club does not currently club and to discover all the advantages of participate in the network, they will endeavour Prices quoted include Insurance Premium Tax charged at the prevailing rate of 6%. Prices are valid until 31st March 2012. of Incorpore, the health club your Incorpore membership please visit to incorporate the club. 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 company, and access to an www.incorpore.co.uk and log in. to children under the age of 18 (or 19 if in full-time education) as they are exempt from NHS charges. exclusive network of 2,200 There is no deadline for registering for 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. health clubs, gyms and leisure Once you have chosen your club please this benefit. If you would like assistance 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 associated with the contact them quoting Incorpore to book in choosing a club, would like to make a 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 not made until later. If you pay your centres, which are guaranteed your visit. Please take this booklet with you to booking, or for further information visit the 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. to offer you the lowest corporate the health club as proof of employment with member section of the website. How do I join? You must register your interest with Personal Group Denplan Limited, Registered number 1981238, England. Registered office rate available. As an Incorpore Northumbrian Water. by 25 February 2011, by completing the Dental 107 Cheapside, London, EC2V 6DU, United Kingdom. This policy is member, you will also receive Plan section of the mybeneﬁts application form. underwritten by AXA PPP healthcare Limited. Registered in England number 3148199. Registered office 107 Cheapside, London, EC2V 6DU, a guest pass or trial to view Full details of the benefits, exclusions and limitations United Kingdom. Denplan Limited is an Appointed Representative of AXA and experience the club prior can be found in the terms and conditions within the PPP healthcare Limited which is authorised and regulated by the Financial Services Authority. Denplan Limited can only offer the dental insurance of to joining. policy handbook, which will be sent out to you if AXA PPP Healthcare Limited. you register your interest. 15 Good things in water... mybeneﬁts 16 Eyecare Discounted legal services Company eye tests for VDU users. The commercial law firms used by Gordon Brown Associates have offices in If you use a VDU screen in your work and You should ask your manager to request an system on mydata. You should send the Northumbrian Water in the North East and Newcastle, Sunderland, Chester-le-Street are defined as a DSE user, Northumbrian Water eye test voucher from HR which you should optician’s certificate together with a copy South are offering 7.5% discount on legal and Houghton-le-Spring. pays for your eye tests. If as a result of the then take to your chosen optician. The optician of your receipt to Payroll and you will receive services including conveyancing and will writing Wortley, Redmayne Kershaw have examination, corrective spectacles are will provide you with a VDU certificate of reimbursement through your salary. to employees and their immediate family. offices in Chelmsford. recommended for VDU use, we will contribute recommendation, stating whether glasses are Taxation service £55 towards the cost of the spectacles - required. If you need glasses for VDU use you this is increased to £75 for bi-focals and should pay for these and reclaim either £55 or more complex prescriptions. £75 (bi-focal prescriptions) via the expenses Personal ﬁnancial and Believe it or not, the taxman owes money to nearly half the working population of the UK. And you could be one of them. mortgage advice service 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 secured more than £60 million for tax payers. • 59p in the pound refunded to you from provided in the back of this booklet or visit every successful claim the website. • A completely confidential service • The odds of receiving a rebate from PTS Personal Taxation Services is not part of the Personal The Personal Financial and Mortgage Advice Service gives all employees access are averaging 1 in 3 Group of Companies. to independent ﬁnancial advice. • Rebates obtained to date range from Simply call the telephone number or access Savings and investments £10 to £11,011.27 the Berkeley Morgan Ltd website • A range of savings schemes, including The Personal Financial and Mortgage Advice Service is www.berkeleymorgan.co.uk. They will bonds and tax-efficient ISAs Whole of Market. This means they can look at a wide Free ﬁshing arrange for a Financial Adviser to discuss range of providers and recommend one suitable for your individual circumstances with you on Mortgages your circumstances. The Personal Financial and the telephone or, where appropriate, arrange A wide range of mortgages for those who are Mortgage Advice Service is operated and administered an individual meeting at a time and location • moving home by Berkeley Morgan Ltd, a company authorised and convenient to you. • Home buying for the first time regulated by the Financial Services Authority. • Remortgaging for a better deal or to raise Registered address: John Ormond House, 899 Silbury Professional personal advice on... extra funds Boulevard, Central Milton Keynes MK9 3XL. Free fishing is available to you as a All employees, including partners must be A partner and up to two children or Pensions Your home may be repossessed if you LighthouseCarrwood Ltd is an appointed Northumbrian Water employee between registered to fish. grandchildren may fish free. • Existing or new personal pensions do not keep up repayments on your representative of LighthouseXpress Ltd which is 12 March 2011 – 30 November 2011 at the • Company pension transfers - via their mortgage or any other loan secured authorised and regulated by the Financial Services following locations: You are allowed a maximum of 3 trout per This offer also applies to retired employees. associate company, LighthouseCarrwood on it. Authority. Cow Green, Derwent, Fontburn, Grassholme, visit except at Whittle Dene (and Abberton Protection • Ways of helping you plan and protect This benefit is on offer until the end of the Hanningfield*, Hury, Kielder**, Scaling Dam and when it reopens) where all fish caught must • Comparisons with existing life/critical scheme year (31 March 2012). Simply call Whittle Dene (*Hanningfield opens 5 March be returned. illness policies the number to receive any financial and 2011 ** Kielder closes 5 November 2011). • Cover for individuals and for possessions mortgage advice. 17 Good things in water... mybeneﬁts 18 Bikes for the family Holiday discounts If you are not eligible for the cycle2work scheme Take advantage of commission Airtours 12% because you do not use your bike for work related travel, you have the opportunity to free travel on your next holiday. Beachcomber 12.5% purchase a bike or cycle accessories for yourself Select your next holiday from Club 18 - 30 9.5% - 10.5% or your immediate family at 15% discount from Club Med 13% Halfords or on-line from Cycle Solutions. ANY* tour operator brochure Cosmos 10% - 14% and with Lifestyle you're sure Cresta Holidays 10% - 13% to make great savings. With Crystal Holidays 10% over 750 brochures to choose First Choice 10% from you'll be spoilt for choice. Hayes & Jarvis 10% How to book Inghams 14% Once you have chosen your holiday call the Jetsave 10% Lifestyle hotline. Kuoni 11% Leger Holidays 10% - 16% Norwegian Cruise Lines 15% * Tour operator must be ATOL/ABTA bonded. P&O Cruises 12% Cinema Excludes direct sell operators. Premier Holidays 10% - 17% Sovereign Holidays 10% - 12% Thomas Cook 11% Thomson Holidays 10% United Vacations 10% - 15% Fantastic savings are available These vouchers have no expiry date, so you Due to the fast changing nature of the cinema industry, you are advised to check participating locations via the website prior to Virgin Holidays 10% - 13% for visits to the cinema can choose when to redeem them. making a purchase or setting out on your journey. Watch the latest film releases in the comfortable There is FREE postage and packaging and there *(Savings based on average cinema entrance prices). 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 surroundings of your local cinema and enjoy a are no charges for credit or debit card payments. Terms and conditions apply, please see the website for full 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 superb saving of up to 30%*. With over 400 details. 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 participating cinemas nationwide, you'll be spoilt 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. for choice! 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 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 Simply order your vouchers in advance via the 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 Lifestyle hotline, stating which cinema you wish 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 to visit. Then on arrival use your vouchers just like this may result in your details being taken and your call being returned. a gift voucher to purchase either an adult or child’s ticket. 19 Good things in water... mybeneﬁts 20 Holiday additions Virgin experience days Make great savings on car rental and holiday extras. Save 20% on ALL Virgin There are lots of experiences with many Experience Days. different themes - from driving a Ferrari, to Up to 13% off holiday extras Up to 12% off worldwide car rental feeding big cats or a day at a health spa. • Receive 13% off airport parking • 12% off Holiday Autos (Valet parking also available subject Please note that charges will show as ‘P&MM to availability) Travel Ltd’ on your bank statement and a 1.5% Travel insurance • Receive 10% off airport lounges charge for using your credit card will apply. • Receive 12% off airport hotels and airport by rail travel With Holiday Travel Insurance Cover Maximum Sums Insured Per Person from Rapidinsure you can rest Kielder lodges Cancellation (Optional cover) £3,000 assured that you are protected Curtailment £3,000 against the cost of most of the Missed Departure Travel Delay £1,000 £100 (Abandonment £3,000) mishaps that could happen to Personal Accident £10,000 you when you are on holiday. Medical Emergency Expenses £5,000,000 15% discount on Kielder Lodge bookings. Medical Inconvenience Benefit £300 The booking must be made in your name and Wonderland combined lodge and ticket offer. Loss of Passport/Driving Licence £250 For bookings from 1 April 2011 a 15% discount the lodge occupied by you. The offer is not You can choose either a single trip or annual multi-trip policy, both providing the wide range Personal Public Liability £2,000,000 off the brochure price for Kielder Lodges is transferable. The discount is offered on the of benefits shown. Cover is available at very Legal Expenses £25,000 available to you as a Northumbrian Water brochure price, and does not apply to promotions 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) Delayed Baggage All trips must start and finish in the UK, involve Over 24 hours £250 Hotels & short breaks at least one pre-booked overnight stay and 12 to 24 hours £100 must not last more than 31 days. Winter Sports (Optional Cover) Ski Equipment £750 (Single article limit £150) Simply visit the website or call the number Ski Hire £300 below to purchase this benefit. Delayed Ski Equipment £100 Ski Pack £250 Piste Closure £300 Guaranteed savings from 10% up to 60% on hotels and short breaks worldwide. If your travel plans are not restricted to Avalanche £150 short-stay holidays, check the Rapidinsure HotelStayUK works with major UK and • Hotels in city, town, coastal and All benefits are subject to the terms, conditions and exclusions of the policy website - they can also arrange cover for worldwide hotels to provide hotel and short countryside locations groups, backpackers and business trips. breaks. • Fantastic last minute deals They can offer: • Discounts at major hotel groups All benefits quoted are valid at 10 January Rapidinsure.co.uk Limited is an appointed representative of Berkeley Morgan Limited which is authorised and regulated • 45,000 hotels in the UK, Europe • Easy-to-use website 2011 but may subsequently change by the Financial Services Authority. Rapidinsure.co.uk Limited (registered in England and Wales No 3870327). and worldwide • Advice and booking line without notice. Registered address, John Ormond House, 899 Silbury Boulevard, Central Milton Keynes MK9 3XL. 21 Good things in water... mybeneﬁts 22
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