Group Income Protection
Concentrate on getting better
You receive...
peace of mind knowing that you can still receive a regular income if you’re not able to work for an extended period of time due to an accident or illness – helping you focus on recovery, not bills.
You pay...
absolutely nothing. The benefit provider will pay you 66.67% of your basic annual salary after you have been absent from work on sickness leave for 13 weeks and your claim is accepted. The provider will also cover your pension contributions if you are in the Publicis Sapient pension scheme at the time of the leave of absence.
did you know...
Whilst most people naturally return to work following a sickness absence, whether short or long-term, other may struggle to get back into the routine. Should you need additional support, you can speak with Unum's Vocational Rehabilitation Consultants (VCRs) for guidance and expertise on returning to work. Call: 01306 646 001
Pension
Start preparing for your future today
You receive...
a tax-efficient way to save for your retirement. We know how important a secure financial future is, which is why we provide all employees with access to our personal pension scheme. You will benefit from us providing a standard employer pension contribution of 5% of your base salary.
You pay...
a minimum of 3% of your base salary. You can contribute however much you like above 3% as long as it doesn’t take your salary below the national minimum wage. However much you contribute, Publicis Sapient will always pay a 5% contribution.
You choose...
how much to pay in. When you’re auto-enrolled you’ll automatically be placed at a contribution level of 3% via Salary Sacrifice. You can change your contribution level and how the deduction is taken (net or Salary Sacrifice) on Simply Benefits. You can also make additional one-off contributions to your plan to boost your pension savings directly with Aviva.
did you know...
If you have threshold income of over £200,000 and adjusted income of over £240,000, this will affect your Annual Allowance. You should get independent financial advice if this is the case and visit www.gov.uk for more information.
If you have protected your accumulated pension savings to avoid breaching the Lifetime Allowance, you will suffer tax implications if you continue making contributions to pension. If this situation applies to you, please email ukbenefits@publicissapient.com
Group Life Assurance
Look after your loved ones
You receive...
a one-off, tax-free lump sum of 4x your basic salary that is paid to your beneficiaries (usually your family but it can be anyone you choose to name) if you die while working for Publicis Sapient. The payment is designed to keep your family and friends financially secure should the unthinkable happen.
You pay...
absolutely nothing. This benefit is paid for by Publicis Sapient.
You choose...
who this benefit is paid to. Click here for details on how to add Dependants into Simply Benefits. You can then select who you would like to receive the benefit in the event of your death and how much each beneficiary would receive from the list of Dependants on the benefit selection page.
Charles Cameron Mortgage Advice
Fly the nest with a helping hand
You receive...
a 100% free and impartial mortgage advice service from Charles Cameron, which your friends and family can take advantage of too.
You pay...
absolutely nothing.
You choose...
a face-to-face, online or telephone appointment with one of Charles Cameron’s specialist mortgage brokers and they’ll be able to help you on any aspect of the mortgage process.
Workplace ISA
Save for the things that matter to you
You receive...
an Investment ISA from Cushon in which you can build up a savings nest egg for a financially flexible future. You can save up to £20,000 per tax year and won’t pay any tax on any increase in value or any income generated by your investments.
You pay...
into your ISA from your net pay, to help support monthly budgeting, or from bank direct debit. You get a 50% discount on Cushon ISA charges, which applies for life.
You choose...
from readymade portfolios depending on how much money you want to save a month, how long you intend to save for and what level of risk you’re prepared to take. There are options for every type of saver, from low risk/return to very high risk/return.
Will Writing
For you to decide what’s best
You receive...
a professional Will Writing service from James McKenzie. Without a Will, the government will decide how your estate is divided when you pass away. This benefit gives you comfort knowing that your assets will go to the people you want to leave them to and at an age you want them to receive it.
You pay...
for the service you choose on a fixed fee basis, so regardless of the time taken to complete the process, or the number of clauses required in the Wills, there are no hidden extras.
You choose...
the service you want. James McKenzie offer Standard and Advanced Will Writing services, Lasting Powers of Attorney and Pilot Trusts.
Critical Illness Cover
Care when it’s needed
You receive...
additional financial support during difficult times. Receive a tax-free lump sum on diagnosis of a number of specified critical illnesses. You can use the benefit for private medical care, home alterations or to top up your regular income before you return to work, helping you to live more comfortably. Your children will automatically be covered for specific critical illnesses from birth until they turn 18 or 21 if in full time education.
You pay...
a fixed amount depending on the level of cover you choose and your age.
You choose...
the level of cover you want. Choose from £25,000 up to £600,000, capped at four times your salary. You can choose any level of cover when first selecting the benefit. After this, you may only increase cover by one increment of £25,000 during a Life Event window, with a maximum of two increments in a 12-month period.
Partner Critical Illness Cover
Care when it’s needed
You receive...
a tax-free lump sum if your partner is diagnosed with one of a number of specified critical illnesses while you are working for Publicis Sapient. You can choose cover for your partner even if you have chosen not to cover yourself.
You pay...
a fixed amount depending on the level of cover you choose and your age.
You choose...
the level of cover you want. Choose from £25,000 up to £300,000. You can choose any level of cover when first selecting the benefit. After this, you may only increase cover by one increment of £25,000 during a Life Event window, with a maximum of two increments in a 12-month period.
did you know...
Both personal and partner Critical Illness Cover also gives you access to Unum's Cancer Pathway and Cancer Support Service. Together they provide quick and easy support at diagnosis, through treatment and after treatment whenever it is needed.
