A
Additional Benefits
These benefits are classed as information‑only and usually don’t require you to make a selection within your portal. In most cases, you’ll find a link to the provider’s website, where you can explore further details or, in some cases, take additional actions.
These benefits are designed to give you quick and convenient access to valuable wellbeing, lifestyle, and support services - all without the need to enrol.
Available Benefit
During an open window, you’ll be able to review, select, or renew your benefit options. All benefits that are currently available to you will appear in the “Available Benefits” section.
Beneath each benefit, you’ll also see a message showing the deadline for confirming your selections or changes - including the exact date and time.
B
Beneficiary
A beneficiary is someone you choose to receive benefits or payments, such as from life insurance or pension schemes, if something happens to you.
D
Dependants
A dependant is someone who relies on you and may be eligible to be included in certain benefits provided by your employer.
Dependants are typically family members and may be covered by benefits such as healthcare, insurance, or other family-related options, depending on your organisation’s scheme rules.
F
Flex Allowance
A Flex Allowance is an amount provided by your employer to help you pay for your benefits. You can use this allowance to cover the cost of eligible benefits instead of paying from your salary.
Free Cover Level
Free Cover Limit is the maximum level of cover you can have without needing medical checks.
If you choose cover above this limit, you may need to complete an underwriting process with the insurer before it can be approved.
L
Lifestyle Event
A lifestyle event is a change in your work or personal circumstances that may affect your benefits.
This could include events such as getting married, having a child, or a change in your role. Some lifestyle events may allow you to review or update your benefit selections.
N
National Minimum Wage/National Living Wage
National Minimum Wage (NMW) and National Living Wage (NLW) are the minimum amounts your employer is legally required to pay you for your work, based on your age and eligibility.
These rates help ensure you receive a fair level of pay and must be maintained even after any deductions, such as salary sacrifice benefits.
https://www.gov.uk/national-minimum-wage-rates
R
Review and confirm
Once you’ve made your selections or updated any benefits, make sure you click the ‘Review and Confirm’ button at the bottom of the My Benefits screen.
On the next page, you’ll be able to double‑check your choices. If everything looks correct, select ‘Confirm’ at the bottom of the page to finalise your selections. If you don’t complete this step, your changes will not be saved.
S
Salary sacrifice
This is when you agree to reduce your salary in exchange for a benefit provided by your employer, such as pension contributions or a bike.
Because this reduction happens before tax is applied, you’ll usually pay less Income Tax and National Insurance. This means the benefit typically costs you less than buying it yourself.
W
Window
A benefit window is a period of time when you can view, select, or make changes to your benefits.
There are different types of windows, such as set enrolment periods, year-round access, or windows triggered by life events. The options available and when changes take effect may vary depending on your employer’s setup.