1. OPTIONS & BENEFITS AVAILABLE TO EMPLOYEES Speaker Steve Owen Financial Consultant – Rees Astley RECRUITMENT & RETENTION OF STAFF

2. Rees Astley is an Independent Financial Adviser and Commercial Insurance Broker Offices situated in Aberystwyth, Newtown, Oswestry and a NEW office in Pontesbury Clients based throughout Mid & West Wales, Shropshire and beyond

3. Established for almost 40 years Pride ourselves on expert, professional advice and high level of personal service Long standing reputation in the communities we serve

4. Today people in UK are living longer than ever before Real value of state benefits are reducing Workplace health is becoming a priority Workplace absence costs business £13 billion p.a Can improve employee performance by 9% For every £1 spent, return on investment of £3.73 ** Getting staff back to work as quickly as possible ** Harvard Medical School Study of Unilever employees in UK 2005

5. If employing 5 or more staff you should offer a Stakeholder or equivalent Pensions reform – Government want to get more people saving for retirement By 2012, if earning over £5,035 automatically enrolled into existing workplace scheme or Personal Account Pensions

6. Default Contribution 8% of earnings Between £5,035 and £33,500 4% by employer 3% by employee 1% Tax Pensions Pensions are not going to go away Eg. Single contribution£5,000 gross £4,000 actual cost

7. Cover up to 75% of staff wages Select deferred period 4/13/26/52 weeks Select age for end date 60/65 Unable to carry out own occupation Rated upon occupation Group Accident/Sickness Cover up to max 2 years Income Protection

8. Business Health Care (Medical Insurance) Core healthcare module Full cover for in-patient & Day-patient treatment, including nursing, room, drugs, theatre, tests, specialist fees (including surgeons and anaesthetists) Full cover In-patient physiotherapy Full cover In-patient, day-patient & out-patient radiotherapy, chemotherapy and oncologist fees Full cover MRI/CT/PET scans £250 NHS In-patient cash per night (£2K max pa), £125 NHS day case cash (£500 max pa) Private ambulance Health & well-being No limit on maximum annual benefit

9. Business Health Care (Medical Insurance) Core healthcare module Full cover for in-patient & Day-patient treatment, including nursing, room, drugs, theatre, tests, specialist fees (including surgeons and anaesthetists) Full cover In-patient physiotherapy Full cover In-patient, day-patient & out-patient radiotherapy, chemotherapy and oncologist fees Full cover MRI/CT/PET scans £250 NHS In-patient cash per night (£2K max pa), £125 NHS day case cash (£500 max pa) Private ambulance Health & well-being No limit on maximum annual benefit Example – Healthcare for 12 members - £400 per month or£34 per member

10. Including Dental Cover Level 1 – Major dental Level 2 – As level 1 but with preventative benefits twice a year Level 3 – As level 2 but with higher cash value of benefits £3.26 per member/month £12.25 per member/month £21.50 per member/month SpouseFamily X2x2.5 Business Health Care (Medical Insurance)

11. Caring employer providing life assurance for staff and their families Group Life Assurance

12. Example for a company Number of employees – 40 Total Sum Assured - £3.3M Yearly rate£6623 £550 per month Renewable yearly Based on multiples of salary – 3 or 5 times Group Life Assurance

13. We offer products from the whole marketplace We will advise and make a recommendation for you after we have assessed your needs How we work We will tell you how we get paid, and the amount, before we carry out any business for you

14. Topics covered included: Pensions Income Protection Business Health Care Group Life Assurance Summary