CHELSEA FC YOUR CHELSEA FLEXIBLE BENEFITS GUIDE – 2013/14
helmgodfrey
CONTENTS WELCOME TO YOUR CHELSEA ............................... 1 MAKING THE MOST OF YOUR CHELSEA ................ 2 GETTING STARTED ................................................... 5
YOUR FINANCE AND SECURITY BENEFITS ............. 19 Pension .............................................................................. 20 Life Assurance ................................................................... 21 Critical Illness Insurance ..................................................... 22 Personal Accident Insurance .............................................. 23
YOUR LIFESTYLE BENEFITS ....................................... 7
WELCOME TO YOUR CHELSEA
MAKING THE MOST OF YOUR CHELSEA
Financial Advice ................................................................. 24
Childcare Vouchers .............................................................. 8 Cycle to Work ..................................................................... 9
YOUR OFFERS AND DISCOUNTS ........................... 25
iShop ................................................................................. 10
Audi .................................................................................. 26
Personal Travel Insurance ....................................................11
Chelsea FC Employee Membership .................................... 27 Delta Airlines ..................................................................... 28
YOUR HEALTH AND WELLBEING BENEFITS ........... 12
Specsavers ......................................................................... 29
Private Medical Insurance ...................................................13
Local Offers and Discounts................................................. 30
Cancer Screening ................................................................14 Health Cash Plan ................................................................15
FURTHER INFORMATION ........................................ 31
Dental Insurance .................................................................16
Getting in Touch ................................................................ 32
Employee Assistance Programme ........................................17
The Small Print .................................................................. 33
Health Assessments ............................................................18
Glossary of Terms .............................................................. 34
GETTING STARTED
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION
WELCOME TO YOUR CHELSEA Your Chelsea is the flexible benefits programme for all permanent employees of Chelsea FC. Each year, Your Chelsea gives you the opportunity to decide on the right balance between salary and benefits by enabling you to: Choose the benefits that suit the needs of you and your family; Take advantage of the savings in income tax and National Insurance Contributions on some of the benefits;
WELCOME TO YOUR CHELSEA
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
Change your benefits annually, or more frequently in the event of significant changes in your life; and Enjoy the numerous offers and discounts which have been negotiated. This Guide has been written to outline the benefits and features of Your Chelsea and is intended to be used alongside iChoose, where you can find more extensive information on each benefit. iChoose is also the process to be used for selecting the benefits you wish to participate in.
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION 1
MAKING THE MOST OF YOUR CHELSEA Benefit Conditions The benefits available to you through Your Chelsea are subject to certain conditions and restrictions. Full details of these are available on iChoose. The benefits year runs from 1 October to 30 September. Adjustments to benefits during the year can only be made as a result of a life changing event, in accordance with guidelines provided by Her Majesty’s Revenue & Customs (HMRC). Life Changing Events Once you have selected your benefits, you will not be able to change your selections until the next benefits year. The only exception to this is if you experience a life changing event. These include: Marriage, civil partnership or establishing a cohabiting partner relationship Divorce or permanent separation Birth or adoption of a child Death of a spouse or partner, civil partner or dependant child Your spouse or partner being made redundant Commencement of, or return to work from, maternity, paternity or adoption leave
WELCOME TO YOUR CHELSEA
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS
Significant (more than 25%) change in working hours or promotion in your job role. What if my personal circumstances change? If you should experience a life changing event, you may have the opportunity to change certain benefits. Please contact Human Resources at Stamford Bridge within one calendar month of the date of the life changing event if you wish to make any changes to your benefits. 2
YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION
MAKING THE MOST OF YOUR CHELSEA Benefit information This Guide provides brief details on the benefits included within Your Chelsea. More detailed information is available on iChoose. You should use this guide in conjunction with iChoose when making your selections.
Through Your Chelsea you have the potential opportunity to make savings in either income tax or National Insurance Contributions, or both, through salary sacrifice. iChoose provides all the information you need to make an informed decision.
What’s on offer? Your Chelsea provides you with a range of benefits, which are categorised as follows:
Lifestyle
Private Medical Insurance Cancer Screening Health Cash Plan Dental Insurance Employee Assistance Programme Health Assessments
Finance and Security
Offers and Discounts
Pension Life Assurance Critical Illness Insurance Personal Accident Insurance
Financial Advice
Audi Chelsea FC Employee Membership Delta Airlines Specsavers Local Offers and Discounts
3
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
Health and Wellbeing
Childcare Vouchers Cycle to Work iShop Personal Travel Insurance
WELCOME TO YOUR CHELSEA
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION
MAKING THE MOST OF YOUR CHELSEA The dates to remember…
Doing nothing is not an option…
Your Chelsea has an annual renewal with benefits effective from 1 October each year. An enrolment window will be opened in August each year to allow you to select your options for the following benefits year. The window will remain open for a reasonable period and you will be provided with advance notice of the enrolment dates.
Do not rely on iChoose defaulting to any existing benefits you may have. There is a genuine necessity to actively make your selections and reselect your existing benefits if you wish them to continue.
Benefits cannot be selected outside of the annual enrolment window unless you join Chelsea FC during the year. The limits… You may use your salary to select and pay for benefits. However, by law, you are not allowed to reduce your salary below the National Minimum Wage. Your selections may have an impact on your ability to claim state benefits. Your Chelsea will not allow you to reduce your salary below the Lower Earnings Limit for National Insurance Contributions. If, after making your selections you fall below this threshold, you will be asked to revisit your selections. Obtaining professional advice… Chelsea FC is unable to give advice on what benefits you should select. During the enrolment period, access to the benefit providers will be available for further information. If you should require professional advice regarding Your Chelsea, or the benefits and options available to you, please contact the adviser for Your Chelsea, Helm Godfrey. 4
WELCOME TO YOUR CHELSEA
Need help…
MAKING THE MOST OF YOUR CHELSEA
If you have any difficulties logging into iChoose, or have any questions about how the benefits programme works, please contact Helm Godfrey:
GETTING STARTED
Telephone:
020 7614 1070
E-mail:
yourchelsea@helmgodfrey.com
Details of who to contact for each of the benefits is also provided within the ‘getting in touch’ section of this guide. If you do not have access to the internet, please contact Human Resources at Stamford Bridge.
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION
GETTING STARTED Step 1 Register for iChoose
Part-time workers
iChoose may be accessed via the Chelsea FC Intranet.
If you work part-time, the value of salary related benefits, such as pension contributions and core risk benefits, will be based on your pro-rated salary which reflects your reduced hours. You will be able to select non-salary related benefits under the same conditions as a full-time employee.
Your registration submission will be validated and you will then receive confirmation by email to complete the login.
Step 2 Login to iChoose Step 3 View the benefits available Explore the features and conditions of each benefit and select the level of benefit which suits your needs and add this to your basket.
Step 4 Make your selections By clicking on the shopping trolley, you will be able to select the benefits you require for the next year.
Step 5 Add dependants If you wish to select benefits which also include your dependants, e.g. your partner and children, please ensure you have provided their details as required.
Step 6 Submit your selections Once you are happy with your selections, you must proceed to checkout. Confirmation of your selections will be sent to you on completion of validation at the end of the enrolment period. 5
New joiners If you join Chelsea FC during the benefits year, you will be eligible to join Your Chelsea. You will be able to enrol and make your benefit selections through iChoose after you have successfully completed your probationary period, but no earlier than three months after commencement of employment. Some benefits are only available during the annual enrolment period (for example, health assessments and cycle to work). Subject to meeting the policy terms and conditions, you will be covered from the date that you complete the eligibility criteria for the core risk benefits as it applies to you. Human Resources at Stamford Bridge will be able to confirm your entitlement. Leaving service If you leave Chelsea FC having selected benefits, it will be confirmed to you, in advance of your last day of service, the date to which those benefits are maintained. Reductions to pay during your notice period will be made according to your choices and the balance of any premiums due, subject to the individual benefit rules. In some instances, it may be possible to arrange ongoing cover. Please discuss this with Helm Godfrey before you leave Chelsea FC.
WELCOME TO YOUR CHELSEA
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION
GETTING STARTED Your Chelsea offers savings in income tax and/or National Insurance Contributions (NIC) Your Chelsea has been designed to maximise the savings in income tax and NIC for you through a process known as ‘salary sacrifice’. Salary sacrifice is an agreement between an employee and their employer where the employee agrees to give up some of their ‘cash benefit’, i.e. salary, in return for a ‘non-cash benefit’. As salary sacrifice reduces your gross salary, you will not have to pay income tax nor NIC on the value of certain benefits selected. HM Revenue & Customs allows some of the benefits to be free of income tax, whereas others will be taxed as a P11D ‘taxable benefit in kind’ so are income tax neutral, but you will still save NIC on the value of these benefits. The treatment of Your Chelsea benefits for income tax and NIC is based on our understanding of the current tax situation, which may change from time to time. You will not be able to change Your Chelsea benefits during the year if the treatment of income tax and NIC changes. The table shows whether there is a saving in income tax and NIC generated by the various Your Chelsea benefits.
Your Chelsea benefit
Do I save income tax on this benefit?
Do I save NIC on this benefit?
Cancer Screening
Yes
Yes
Childcare Vouchers
Yes
Yes
Critical Illness Insurance
No
Yes
Cycle to Work
Yes
Yes
Dental Insurance
No
Yes
Employee Assistance Programme
N/A
N/A
Financial Advice
N/A
N/A
Health Assessments
Yes
Yes
Health Cash Plan
No
Yes
iShop
No
No
Life Assurance
N/A
N/A
Offers & Discounts
No
No
Pension Contributions
Yes
Yes
Personal Accident Insurance
No
Yes
Personal Travel Insurance
No
Yes
Private Medical Insurance
No
Yes
WELCOME TO YOUR CHELSEA
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION 6
YOUR LIFESTYLE BENEFITS
Childcare Vouchers Cycle to Work iShop Personal Travel Insurance
WELCOME TO YOUR CHELSEA
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION 7
YOUR LIFESTYLE BENEFITS Childcare Vouchers Your Chelsea offers access to a Childcare Voucher Scheme to help meet the cost of childcare arrangements. What does this benefit provide? Employees who have been in receipt of childcare vouchers through Your Chelsea since before April 2011 may select between £20 and the current statutory limit of £243 per month, providing a valuable saving in the cost of childcare arrangements. For example, in accordance with the maximum childcare voucher of £243 per month:
A basic rate income tax payer could save £78 per month (£933 per annum)
A higher rate income tax payer could save £102 per month (£1,225 per annum). Employees who start to receive childcare vouchers after 6 April 2011 may be restricted in the amount of vouchers they may receive depending on whether they are a basic, higher or additional rate income tax payer. Full details of these restrictions can be found on the iChoose website. Limitations Childcare vouchers can be used for most forms of childcare including nurseries, childminders, nannies, before and after school clubs, holiday clubs, crèches and most play schemes. The childcare
provider will need to be registered and approved. The vouchers are available for the care of children up to 1 September following the child’s 15th birthday, or 16th birthday if the child is disabled. Cost of this benefit The cost of the vouchers would be deducted from your gross salary and you would not have to pay income tax or National Insurance Contributions on the value of the vouchers, therefore providing a significant saving as set out above. Contact Organisation Fair Care Telephone 0800 652 4745 Email admin@faircare.co.uk Detailed information on this benefit is available on the iChoose website.
WELCOME TO YOUR CHELSEA
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION 8
YOUR LIFESTYLE BENEFITS Cycle to Work Your Chelsea offers you the use of a bicycle through the Government’s Green Transport Plan, therefore saving you income tax and National Insurance Contributions on the value of the bicycle. What does this benefit provide? You can elect to receive either an Evans or Halfords voucher for an amount between £100 and £1,000. The voucher can then be used to purchase a bicycle and/or safety equipment. Chelsea FC buys the bicycle and safety equipment and makes them available to you for a 12 month period in return for the cost of the voucher, which would be deducted from you by salary sacrifice. At the end of the hire period, the bicycle and safety equipment may be sold to you at a nominal ex-rental cost in line with HMRC guidelines, reflecting the second hand market value of the bicycle and safety equipment at the date of sale. The cost of the voucher would be deducted from your gross salary over a 12 month period and you would not have to pay income tax or National Insurance Contributions on the value of the voucher, therefore providing a significant saving: Voucher Value
Cost to a Basic Rate Income Tax Payer
Cost to a Higher Rate Income Tax Payer
£250 £1,000
£170 £680
£145 £580
Saving
32%
42%
9
Restrictions The bicycle should be used, at least in part, for journeys made between your home and your place of work. The vouchers cannot be exchanged for cash and need to be used in full. You are unable to ‘top-up’ the amount you spend by adding your own cash to the value of the voucher. Personal insurance is your responsibility on your journey to and from work as well as insurance for the bike itself.
WELCOME TO YOUR CHELSEA
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
Cost of this benefit The cost of the voucher would be deducted from your gross salary and you would not have to pay income tax or National Insurance Contributions on the value of the voucher selected, therefore providing a significant saving as set out above. Contact Organisation Fair Care Telephone 0800 652 4745 Email cycles@faircare.co.uk Detailed information on this benefit is available on the iChoose website.
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION
YOUR LIFESTYLE BENEFITS iShop iShop is your offers and discounts portal to thousands of online and offline offers, plus discounts at high street retailers, nationwide experiences and cultural events. A combination of traditional discounts and cashback savings are available from retailers including:
Cashback offers on everyday brands like M&S, Currys PC World and lastminute.com
Negotiated discounts on premium brands including Apple, Dell and Panasonic
Discounted reloadable cards for Sainsbury’s, Asda, Debenhams, House of Fraser and The Arcadia Group
Local offers, printable coupons and vouchers accessed through a searchable Google Maps interface.
Cost of this benefit
WELCOME TO YOUR CHELSEA
There is no cost for you to access iShop. Any purchases you make through the iShop will be at your own cost.
MAKING THE MOST OF YOUR CHELSEA
Detailed information on this benefit is available on the iChoose website.
GETTING STARTED
Contact Organisation LogBuy Telephone 08000 560450 Email mailuk@logbuy.co.uk iShop is available for you to use all year round, and can be accessed through iChoose or from home at www.mylogbuy.com.
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION 10
YOUR LIFESTYLE BENEFITS Personal Travel Insurance Your Chelsea offers you and your family access to Personal Travel Insurance for your leisure travel, which provides you with comprehensive cover if you are taken ill or suffer a loss while on an insured journey. Can I include my family? Yes, you can select one of the following levels of cover:
You only You and your partner You and your children You and your family (which includes you, your partner and any number of children up to the age of 18 or 23 if in full-time education).
Cost of this benefit The monthly premiums are confirmed on the iChoose website. The cost of Personal Travel Insurance through Your Chelsea will typically be cheaper for you than making your own individual arrangements elsewhere. The premium for the benefit that you select would be deducted from you through salary sacrifice and would provide you with a saving in National Insurance Contributions, which would further reduce the cost of the benefit. Contact Organisation Howden Telephone 020 7133 1255 Email yourchelsea@howdengroup.com
What does this benefit provide? Personal Travel Insurance covers personal, non-business travel outside the UK and within the UK (providing this involves a flight or overnight stay). A full copy of the Personal Travel Insurance policy terms and conditions can be found on the iChoose website.
Detailed information on this benefit is available on the iChoose website.
WELCOME TO YOUR CHELSEA
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION 11
YOUR HEALTH AND WELLBEING BENEFITS
Private Medical Insurance Cancer Screening Health Cash Plan Dental Insurance Employee Assistance Programme Health Assessments
WELCOME TO YOUR CHELSEA
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION 12
YOUR HEALTH AND WELLBEING BENEFITS Private Medical Insurance Your Chelsea offers you access to private medical insurance to enable you and your family to seek prompt medical treatments. Can I include my family? Yes, you can select one of the following levels of cover:
You only You plus your partner You plus your children (up to the age of 24) Family (which includes you, your partner and any number of children up to the age of 24). What does this benefit provide? Chelsea FC has selected Bupa as the provider of this benefit. Under the scheme, Bupa would cover you for the costs of medically necessary specialist treatment in the UK. The scheme is medical history disregarded. There is a ÂŁ100 excess per person per annum payable in the event of a claim. Full details of the scheme are set out in the Bupa Membership Guide, a copy of which is available on the iChoose website.
Cost of this benefit The monthly premiums are confirmed on the iChoose website. The cost of private medical insurance through Your Chelsea will typically be significantly cheaper for you than making your own individual arrangements elsewhere. The premium for any voluntary level of benefit that you select would be deducted from you through salary sacrifice and would provide you with a saving in National Insurance Contributions, which would further reduce the cost of the benefit. Contact Organisation Bupa Telephone 0845 604 0623 Email yourchelsea@helmgodfrey.com Detailed information on this benefit is available on the iChoose website.
WELCOME TO YOUR CHELSEA
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION 13
YOUR HEALTH AND WELLBEING BENEFITS Cancer Screening
Cost of this benefit
Your Chelsea provides you with the opportunity to have on-site screenings to detect any early signs of cancer.
The cost of the screenings are confirmed on the iChoose website.
What does this benefit provide? The tests are concentrated around the types of cancer for which studies have shown early detection through screening gives an increased survival rate. The tests are non-invasive, take no more than 30 minutes and have no adverse affect on your body. You can select one of the following screening programmes:
Skin screening only Cancer screening programme, which includes:
- Male tests: Bladder, bowel, prostate and skin
- Female tests: Bladder, bowel, breast and skin
The premium for the screening would be deducted from your gross salary through salary sacrifice and would provide you with a saving in income tax and National Insurance Contributions, which would further reduce the cost of the screening. Contact Organisation Screen4Life Telephone 07876 701 243 Email chelseafc@screen4life.co.uk Detailed information on this benefit is available on the iChoose website.
WELCOME TO YOUR CHELSEA
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION 14
YOUR HEALTH AND WELLBEING BENEFITS Health Cash Plan
Cost of this benefit
Your Chelsea offers you access to a health cash plan from AXA PPP healthcare designed to give you money back towards those costly, unavoidable everyday healthcare bills.
The monthly premiums are confirmed on the iChoose website. The cost of health cash plan through Your Chelsea will typically be cheaper for you than making your own individual arrangements elsewhere.
Can I include my family? Yes, you can include your partner providing that you have also selected this benefit for yourself. You can also include your children for no additional cost. What does this benefit provide? The Health Cash Plan allows you to claim back money towards bills from your optician and dentist, together with fees from medical consultants, a stay in hospital and accidental death. AXA PPP healthcare will continue to pay towards the cost until the specific annual limit is reached (limits vary depending on level of cover taken out). Most benefits are available after one month; however you must have been a member for 12 months to claim for any childbirth benefits. Further information regarding the benefits included within health cash plan can be found on the iChoose website.
The premium for the benefit that you select would be deducted from you through salary sacrifice and would provide you with a saving in National Insurance Contributions, which would further reduce the cost of the benefit. Contact Organisation Telephone
AXA PPP healthcare 0845 605 0187
Detailed information on this benefit is available on the iChoose website.
WELCOME TO YOUR CHELSEA
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION 15
YOUR HEALTH AND WELLBEING BENEFITS Dental Insurance Your Chelsea offers you access to dental insurance to help you and your family by reimbursing the costs of dental care. Can I include my family? Yes, you can select one of the following levels of cover:
You only You plus your partner You plus your children Family (which includes you, your partner and any number of children up to the age of 21 or 24 if in full-time education). What does this benefit provide? The Dental Insurance Scheme is insured with Denplan, the UK’s leading dental plan specialist. Through Your Chelsea, you have the option to select either ‘Denplan Essential’ or ‘Denplan Extensive’, and full details of both options can be found on the iChoose website.
No pre-joining examinations required No requirement for a minimum standard of dental fitness before joining
No pre-authorisation needed before treatment can commence All pre-existing dental conditions are covered (except treatment for mouth cancer, pre-planned treatment or treatment for dental injuries that take place before the cover starts). 16
Cost of this benefit The monthly premiums are confirmed on the iChoose website. The cost of dental insurance through Your Chelsea will typically be cheaper for you than making your own individual arrangements elsewhere. The premium for the benefit that you select would be deducted from you through salary sacrifice and would provide you with a saving in National Insurance Contributions, which would further reduce the cost of the benefit. Contact Organisation Denplan Telephone 0800 838 951 Email corporate@denplan.co.uk Detailed information on this benefit is available on the iChoose website.
WELCOME TO YOUR CHELSEA
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION
YOUR HEALTH AND WELLBEING BENEFITS Employee Assistance Programme Your Chelsea offers you access to an Employee Assistance Programme (‘EAP’) which can help you achieve a positive balance in your life. What does this benefit provide? Everyday problems can increase the pressure we are under, directly affecting our physical and emotional wellbeing. Issues such as sleepless nights or difficult work situations that may be having an impact on your life and the lives of those closest to you, can be quickly resolved with specialist support and information. The EAP has been arranged through AXA PPP healthcare, and provides information and guidance on different aspects of your life including:
Understanding financial matters Dealing with debt Managing family matters Understanding legal matters Consumer rights Relationship issues
Who can use this service? The EAP is available to employees of Chelsea FC and their immediate family members, providing they live in the same household. This includes your spouse, partner, any parent, brother or sister and any other legal dependant under the age of 21 years in full time education. Cost of this benefit
WELCOME TO YOUR CHELSEA
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
The full cost of this benefit is paid by Chelsea FC. Contact Organisation AXA PPP healthcare Telephone 0800 072 7072 Website www.axabesupported.co.uk Detailed information on this benefit is available on the iChoose website.
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION 17
YOUR HEALTH AND WELLBEING BENEFITS Health Assessments Your Chelsea provides you with access to a discounted health assessment through Nuffield Health. What does this benefit provide? An annual health check can give you peace of mind and may be able to prevent minor problems becoming major. The health assessment is designed to focus on lifestyle, health risks and considers factors such as diet, exercise, alcohol consumption, smoking and how these might affect your future health. The health assessment focuses on key health issues and provides a key assessment of your health and understanding of any future health risks and how these may be minimised through simple lifestyle changes. There are a number of health assessments available, full details of each and what they include can be found on the iChoose website.
Cost of this benefit The cost of the health assessments are confirmed on the iChoose website. The cost of a health assessment through Your Chelsea will typically be cheaper for you than making your own individual arrangements elsewhere. The premium for the health assessment would be deducted from you through salary sacrifice and would provide you with a saving in income tax and National Insurance Contributions, which would further reduce the cost of the benefit. Contact Organisation Nuffield Health Telephone 08452 302040 Email chelsea.fc@nuffieldhealth.com Detailed information on this benefit is available on the iChoose website.
WELCOME TO YOUR CHELSEA
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION 18
YOUR FINANCE AND SECURITY BENEFITS
Pension Life Assurance Critical Illness Insurance Personal Accident Insurance Financial Advice
WELCOME TO YOUR CHELSEA
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION 19
YOUR FINANCE AND SECURITY BENEFITS Pension Your Chelsea offers you access to the Chelsea FC Group Flexible Retirement Plan with Standard Life to help you plan and save for your retirement. What does this benefit provide? Chelsea FC will pay a monthly contribution equal to 5% of your gross basic salary once you have joined the Plan. Whilst it is not compulsory for you to personally contribute to the Plan, you can contribute if you wish and enjoy the associated savings in income tax and National Insurance Contributions. For example, a £100 net monthly pension contribution would invest the following in addition to the Club’s 5%:
£167 for a basic rate income tax payer £196 for a higher rate income tax payer Nomination Form It is important to keep Standard Life updated with any changes to your nominated beneficiaries for payment of your benefits in the event of your death. Forms for this purpose can be downloaded from the iChoose website, which you should complete and return to Standard Life whenever your personal circumstances change.
Cost of this benefit
WELCOME TO YOUR CHELSEA
The full cost of the 5% contribution is paid by Chelsea FC. If you should wish to personally contribute:
Your monthly pension contribution would be deducted from you through salary sacrifice and would therefore provide you with a saving in income tax and National Insurance Contributions, which would significantly reduce the cost of the contribution.
To encourage employees to save for their retirement, Chelsea FC will make an additional contribution for any employee who personally contributes to the pension through salary sacrifice. Contact Organisation Helm Godfrey Telephone 020 7614 1070 Email yourchelsea@helmgodfrey.com Detailed information on this benefit is available on the iChoose website.
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION 20
YOUR FINANCE AND SECURITY BENEFITS Life Assurance Your Chelsea offers you access to the Chelsea FC Group Life Assurance Scheme in order to provide your beneficiaries with financial assistance in the event of your death. What does this benefit provide? On joining the Scheme, all members are insured for a lump sum death benefit of four times their gross basic annual salary, which would become payable in the event of their death whilst in the employment of Chelsea FC. Nomination Form It is important to keep the trustees updated with any changes to your nominated beneficiaries for payment of benefits in the event of your death. Forms for this purpose can be downloaded from the iChoose website, which you should complete and return to Human Resources at Stamford Bridge whenever your personal circumstances change.
Cost of this benefit
WELCOME TO YOUR CHELSEA
The full cost of this benefit is paid by Chelsea FC. Contact Organisation Helm Godfrey Telephone 020 7614 1070 Email yourchelsea@helmgodfrey.com Detailed information on this benefit is available on the iChoose website.
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION 21
YOUR FINANCE AND SECURITY BENEFITS Critical Illness Insurance Your Chelsea offers you access to insurance for you and your family for financial protection in the event of the diagnosis of a critical illness. What does this benefit provide? Critical illness insurance provides a tax-free lump sum payment if you are diagnosed as suffering from one of the specified illnesses. With advances in medical science and treatments, critical illnesses are not necessarily terminal, but they may leave you in a position where financial assistance may be required. You can select a benefit of either one or two times your gross basic annual salary, subject to a maximum benefit of £500,000. Please note that this benefit is subject to a pre-existing conditions exclusion. Can I include my family? Yes, you can insure your partner. If you elect to include your partner, they would be insured for the same benefit as you have selected for yourself, subject to a maximum benefit of £120,000. Any children under the age of 18 are covered for free if you select cover for yourself. Cover for children is restricted to a maximum of 25% of your benefit or £20,000, whichever is lower.
Cost of this benefit The monthly premiums are confirmed on the iChoose website. The cost of critical illness insurance through Your Chelsea will typically be significantly cheaper for you than making your own individual arrangements elsewhere. The premium for the benefit that you select would be deducted from you through salary sacrifice and would therefore provide you with a saving in National Insurance Contributions, which would further reduce the cost of the benefit. Contact Organisation Helm Godfrey Telephone 020 7614 1070 Email yourchelsea@helmgodfrey.com Detailed information on this benefit is available on the iChoose website.
WELCOME TO YOUR CHELSEA
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION 22
YOUR FINANCE AND SECURITY BENEFITS Personal Accident Insurance Your Chelsea offers you the option to insure yourself and your family for financial protection in the event of serious injury or accidental death. What does this benefit provide? You can insure yourself for any multiple of your gross basic annual salary up to a maximum of ten, which is subject to an overall benefit limit of £1,000,000. The insurance provides a tax-free lump sum payment in the event of your accidental death. In the event of your permanent disablement as a result of an accident, a percentage of the sum assured would become payable. Can I include my family? Yes, you can insure your partner, providing that you also select this benefit for yourself. If you elect to include your partner, you can select any benefit up to a maximum of £250,000 in multiples of £25,000. Any children under the age of 18 (23 if in full time education) are automatically covered for free if you select cover for yourself. Cover for your children is restricted to a maximum benefit of £25,000 per child, i.e. if you have three children for example, the maximum total benefit you can therefore receive is £75,000.
Cost of this benefit The monthly premiums are confirmed on the iChoose website. The cost of personal accident insurance through Your Chelsea will typically be cheaper for you than making your own individual arrangements elsewhere. The premium for the benefit that you select would be deducted from you through salary sacrifice and would therefore provide you with a saving in National Insurance Contributions, which would further reduce the cost of the benefit. Contact Organisation Howden Telephone 020 7133 1255 Email yourchelsea@howdengroup.com Detailed information on this benefit is available on the iChoose website.
WELCOME TO YOUR CHELSEA
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION 23
YOUR FINANCE AND SECURITY BENEFITS Financial Advice The recent global financial crisis has brought all of our personal affairs and finances into focus. However, our busy lifestyles often mean that we rarely have time to spend on what is a very important area. What does this benefit provide? Your Chelsea provides you with access to a regulated financial advice session on all aspects of your lifestyle. This may therefore include your pensions and planning for retirement, protection for you and your family in the event of your death or ill-health, regular savings and/or managing any assets that you have already built up, your mortgage and/or other debt management. This service is provided by a long-established firm of wealth managers with a proven track record of providing innovative and effective financial advice.
Cost of this benefit The initial introductory discussion is provided free of charge and without obligation on your part. Any costs arising beyond this initial discussion are your responsibility, although any costs will be set out for you in advance for your agreement to proceed. Contact Organisation Helm Godfrey Telephone 020 7614 1070 Email yourchelsea@helmgodfrey.com Detailed information on this benefit is available on the iChoose website.
WELCOME TO YOUR CHELSEA
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION 24
YOUR OFFERS AND DISCOUNTS
Audi Chelsea FC Employee Membership Delta Airlines Specsavers Local Offers and Discounts
WELCOME TO YOUR CHELSEA
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
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YOUR OFFERS AND DISCOUNTS WELCOME TO YOUR CHELSEA
Audi The 2012/13 season saw the start of a new three year partnership between Chelsea FC and the premium car manufacturer Audi, and with that brings the exclusive opportunity for employees of Chelsea FC to benefit from exceptional terms on Audi’s ever growing sophisticated, sporty and progressive product range. Whether you are looking to purchase a car or lease one, Audi will provide a dedicated team to assist with your enquiry and help you throughout the ordering process with the following:
Specification checks, stock availability and factory order lead times Outright purchase quotes Finance quotes Part exchange valuations
Placing your order with the factory Status updates once order is placed Arranging delivery Invoicing and Tax enquiries
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
YOUR LIFESTYLE BENEFITS
To find out more, please contact the Sytner Corporate Sales Department who will be happy to assist you further. Contact Organisation Sytner Corporate Sales Department Telephone 01753 566399 Email audicorporatesales@sytner.co.uk
YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS
Staff who have completed one year’s service will be eligible for this benefit. YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION 26
YOUR OFFERS AND DISCOUNTS Chelsea FC Employee Membership After successful completion of probation, permanent employees, including part time employees who work more than 16 hours per week, can make an application for free employee membership. Application Form Employees must complete an EMPLOYEE/CASUAL WORKER MEMBERSHIP application form. Completed application forms must be sent to the Ticketing and Call Centre Manager. Once the application is authorised by the HR Department, a membership card will be sent out. Employees purchasing tickets Employees can purchase a maximum of two tickets per membership 49 days before the match when using their valid employee membership. A maximum of 200 tickets per match will be available for employees to purchase on a first come first served basis. Completed application forms should be sent by internal mail or by visiting the box office in person. Applications via email cannot be accepted. Employees must fully complete an EMPLOYEE TICKET REQUEST application form and pass this to the Ticketing and Call Centre Manager. The rules attached to these tickets The tickets are for use by the employee and friends or family of the employee. They may not under any circumstances be sold or passed to people not known to you. To do so would be a criminal offence and subject to disciplinary action. As all business units at Stamford Bridge and Cobham must be sufficiently staffed on the matchday to operate properly, purchase of tickets does not authorise time away from work. You will need to agree holiday with your line manager in the normal way. Staff competition tickets Staff will be entered into a free prize draw to win two tickets to each home match. The draw will be random and staff ticket winners will be contacted. Staff can only win once a season and must complete the STAFF TICKET WINNERS APPLICATION FORM. 27
WELCOME TO YOUR CHELSEA
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION
YOUR OFFERS AND DISCOUNTS Delta Airlines Delta Airlines are delighted to offer all permanent Chelsea Football Club staff a $50 e-voucher off flights booked via www.delta.com. In addition, you will also have exclusive SkyTeam Lounge access on your travels. The offer is extendable to one friend or family member accompanying you. To redeem this offer, please contact:
WELCOME TO YOUR CHELSEA
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
Contact Email rebecca.arnold@chelseafc.com
Terms and Conditions:
Offer available only to permanent Chelsea FC employees who have completed their 3 month probation period The vouchers are for use for travel by the employee and 1 guest of the employee E-Voucher only redeemable against flights booked on delta.com Offer must be used within 10 days of request They may not under any circumstances be sold or passed to people not known to you To do so would be subject to disciplinary action Purchase of tickets using the vouchers does not authorise time away from work You will need to agree holiday with your line manager in the normal way.
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION 28
YOUR OFFERS AND DISCOUNTS Specsavers on North End Road, Fulham As a Chelsea FC employee benefit, all computer based employees are entitled to a free eye test at Specsavers (worth £20), as well as an additional £50 towards any glasses that you may need to purchase for computer work. Once you have had your appointment, please bring a copy of your receipt along with the expenses form (found under HR Forms) to the HR Administrator in order to claim your benefit. Chelsea FC staff receive a 10% discount on top of any current offers on glasses and contact lenses. A free trial for contact lenses can be arranged. Please allow up to an hour for an appointment when choosing glasses.
WELCOME TO YOUR CHELSEA
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION 29
YOUR OFFERS AND DISCOUNTS Local Offers and Discounts Human Resources at Stamford Bridge has negotiated a number of local offers and discounts which are subject to change. Please therefore refer to the Human Resources section of the intranet for a current list of the local offers and discounts, but at the time of going to press, these include:
Discount on Millennium & Copthorne Hotel at Chelsea FC room rates (subject to availability)
Discounts in a variety of Chelsea FC bars, restaurants and the megastore
Discounts in a variety of local bars and restaurants
Hair and beauty discounts
Gym and spa discounts.
WELCOME TO YOUR CHELSEA
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
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FURTHER INFORMATION Getting in Touch The Small Print Glossary of Terms
WELCOME TO YOUR CHELSEA
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
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FURTHER INFORMATION WELCOME TO YOUR CHELSEA
Getting in Touch
Benefit
Contact
Phone
Lifestyle
Childcare vouchers Cycle to work iShop Personal travel insurance
Fair Care Fair Care LogBuy Howden
0800 652 4745 0800 652 4745 08000 560450 020 7133 1255
admin@faircare.co.uk cycles@faircare.co.uk mailuk@logbuy.co.uk yourchelsea@howdengroup.com
Health and Wellbeing
Private medical insurance Cancer screening Health Cash Plan Dental insurance Employee assistance programme Health assessments
Bupa Screen4Life AXA PPP healthcare Denplan AXA PPP healthcare Nuffield Health
0845 604 0623 yourchelsea@helmgodfrey.com 07876 701243 chelseafc@screen4life.co.uk 0845 605 0187 0800 838 951 corporate@denplan.co.uk 0800 072 7072 08452 302040 chelsea.fc@nuffieldhealth.com
Finance and Security
Pension Life assurance Critical illness insurance Personal accident insurance Financial advice
Helm Godfrey Helm Godfrey Helm Godfrey Howden Helm Godfrey
020 7614 1070 020 7614 1070 020 7614 1070 020 7133 1255 020 7614 1070
yourchelsea@helmgodfrey.com yourchelsea@helmgodfrey.com yourchelsea@helmgodfrey.com yourchelsea@howdengroup.com yourchelsea@helmgodfrey.com
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
FURTHER INFORMATION 32
FURTHER INFORMATION The Small Print The details of all cash and non-cash benefits provided to you in this Guide are not intended to have any legal or binding effect or form part of any contract between you and Chelsea FC and are given for information purposes only. All of the benefits referred to in this Guide within Your Chelsea are governed by their own provider’s applicable terms and conditions in force from time to time and may be subject to change. The decision of the third party benefit provider is final. Neither Chelsea FC nor its advisers, Helm Godfrey, accepts responsibility for the use of the third party suppliers mentioned in this Guide. Each of the suppliers mentioned in this Guide will have their own policies and will be responsible for the service and advice they provide to you. Chelsea FC reserves the right to deduct monies owing from you to the Club from any payments made to you by the Club. You should always refer to the governing terms of any benefit or insurance scheme to ensure you understand;
How it operates In what circumstances you may or may not be eligible to participate
In what circumstance you may or may not qualify for
Your participation in Your Chelsea is subject to the terms of your benefit selections and the applicable terms of each benefit option you select. The terms of each policy are available from the iChoose website. All reasonable efforts have been made to ensure that all information provided in this Guide is accurate. However, there may be inadvertent or occasional errors, for which we do not accept liability. Chelsea FC has been working with Helm Godfrey to administer Your Chelsea. Substantial checks have been made on their data security arrangements and Chelsea FC has been satisfied that they meet our exacting standards. The tax information provided in all Your Chelsea literature is based on July 2013 tax legislation, HMRC interpretation and approach at the time of going to print. Our literature has been provided as a guide only and is not legally binding. Chelsea FC cannot be held responsible for any errors, omissions, changes in law or interpretation which may result in the tax/National Insurance Contributions position being different to that stated.
WELCOME TO YOUR CHELSEA
MAKING THE MOST OF YOUR CHELSEA GETTING STARTED
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
a payment or other benefit or entitlement. FURTHER INFORMATION 33
FURTHER INFORMATION Glossary of Terms Basic salary Your basic salary is now referred to as your reference salary. This is the contracted level of remuneration prior to any benefits or bonus.
Child
Please note the definition of ‘child’ varies according to benefit and policy cover. Generally, the definition is for an unmarried child under the age of 18, or if that child is in full time education, under the age of 21. Some benefits may include step children and some may not. Each policy may differ and needs to be consulted.
NIC
National Insurance Contributions.
Reference salary
WELCOME TO YOUR CHELSEA
Risk benefits
This is a term for insurance benefits provide under Your Chelsea including Life Assurance, Personal Accident Insurance and Critical Illness Insurance.
Salary sacrifice
A salary sacrifice happens when you give up the right to receive part of your cash benefit, i.e. salary, in return for the provision of a non-cash benefit of equal or greater value from Chelsea FC.
Spouse or partner
This is defined as a person that you live with in a partner relationship, are married to, or with whom you have a civil partnership.
Total reward
The reference salary is a fixed salary level not affected by any salary sacrifice. Reference salary will be used for calculating all salary related benefits.
The total reward is the sum of your reference salary plus the sum of any contributions paid by Chelsea FC towards your benefits.
For example, if you sacrifice £500 for a benefit and your current reference salary is £20,000, your reference salary will be £20,000 and ‘Your Chelsea’ salary will be £19,500.
This is your post-sacrifice salary and under your salary sacrifice scheme, becomes variable dependent upon your choices. Your entitlement to state benefits will be based upon this salary.
MAKING THE MOST OF YOUR CHELSEA
Your Chelsea salary
GETTING STARTED
YOUR LIFESTYLE BENEFITS YOUR HEALTH AND WELLBEING BENEFITS YOUR FINANCE AND SECURITY BENEFITS YOUR OFFERS AND DISCOUNTS
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Helm Godfrey Partners Ltd. is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales No. 2544237. Š Chelsea Football Club 2013
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