Our Flexible Benefits Scheme

At Cundall, we know that we will only succeed if we can attract and retain the best talent that the industry has to offer. As well as industry competitive salaries, we offer this scheme to give our people some flexibility around how they want to be rewarded for their contribution.

The aim of the scheme is (as the name suggests) to enable you to shapeyour rewards to suit your personal circumstances each year. You can use the “Shape Your Rewards” site to alter your benefits package by choosing the benefits that are most relevant for you. You can also view your “Total Reward Statement” at any time during the year, so that you can see the total value of all of your cash and non-cash benefits.

You will receive your login details for the site around the 20th of the first month of your employment. In the meantime if you need any further information about the scheme in general, or about any of the specific benefits, please contact a member of the HR team.

“Shape Your Rewards” is Cundall’s flexible benefits scheme.

Shape Your Rewards

Group Income

Protection

Group Life

Assurance

Pension Scheme

Dental Insurance

Private Medical

Insurance

Childcare Vouchers

Cycleto Work

Give as you Earn

Holidays

Workplace Options

Voluntary Employee Benefits

Shape Your Rewards

Contents

Shape Your Rewards

Roll over the icon to see the reward and click to view more information on this dedicated reward.

Shape Your RewardsPension Scheme

Your Choices

As long as you contribute at least 3.25% of your basic salary, you can benefit from our employer contribution of 3.75% of your basic salary.

You can, of course, choose to contribute as much as of your salary as you wish to, over and above this amount.You may also choose to contribute less than 3.25% of your salary, if you do not wish to take advantage of the employer contribution.

The Group Personal Pension Scheme operates as a “salary exchange” arrangement, which maximises the tax efficiency of the scheme for you, by enabling you to claim full tax relief on your contributions at source. Cundall understands the importance of planning for your future and uses the services of qualified financial advisers to provide advice on pensions and otherinsurance benefits. We encourage all staff to takeadvantage of this service (which is free of charge to staff) by speaking with an adviser before making your pension choices. Details of how to contact an adviser are available on the site, once you have your log-in details.

Cundall operate a contributory group personal pension scheme with AVIVA, one of the leading providers of life and pension products in Europe.

A group personal pension scheme offers you a simple, tax efficient way to save for your retirement. Payments are made to your plan while you are working then, when you retire, the money held in your pension fund provides you with a tax free lump sum and a taxable income for the rest of your life. Whilst retirement may seem some way off it is important that you start taking steps as early as possible to build up a retirement fund for yourself.

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Shape Your RewardsGroup Income Protection

The Cover

In the event of you being unable to work due to illnessor injury for a period of more than 26 continuous weeks, regular benefit payments equivalent to 75% of your basic salary (less the state long term incapacity benefit) may be made by the insurer. Benefit payments under an approved claim will increase on a percentage basis each year. Benefit payments continue for as long as you remain unable to work (or reach the age of 65, if earlier).

Why is this benefit important?

You are statistically five times more likely to be absent from work due to an incapacity lasting over six months atsome point in your working life than to die before age 65.

4 out of 10 people suffer a prolonged illness or disability at some stage during their working lives.

This benefit provides you and your family with the peaceof mind that comes with knowing that you have a secure income, in the event that you are affected by a long-term illness or incapacity.

The Group Income Protection scheme is offered to all Cundall employees as a core benefit, and provides you with a continuation of income in the event that you are unable to work due to illness or injury.

All staff employees aged 16 or over (but less than64) are eligible for cover immediately on joining the practice.

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Shape Your RewardsGroup Life Assurance

The Group Life Assurance scheme provides a lump sum benefit in the event of your death in service.

All employees aged 16 or more (but not over age 64) are eligible for cover immediately on commencing employment. In the event of your death, whilst you are an employee of Cundall, a lump sum benefit of two times your basic annual salary will be paid to your nominated beneficiary(s).

Life Assurance provides you with the peace of mind of knowing that your dependants will be provided for in the event of your premature death.

The scheme is established under a Trust Deed, and payments from the scheme are made at the discretion of the Trustees.

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Shape Your RewardsHolidays

At Cundall we are committed to helping staff maintain a balance between their work and personal lives. Paid holidays are an integral part of your benefits package and Cundall offer all members of the Practice an annual entitlement to paid holidays in excess of the statutory minimum.

Your Choices

You can choose to “flex” your holiday entitlement by way of an adjustment to your salary, should you require more or less holiday than your contractual entitlement provides.

Employees are able to purchase additional holidays up to a maximum of 30 days per year or reduce their entitlement to the statutory minimum, currently 20 days per year, and take the cash difference.

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Shape Your RewardsPrivate Medical Insurance

Cundall considers the health of its employees to be very important.

Private Medical Insurance provides assurance that medical treatment can be obtained promptly by providing cover for eligible medical expenses incurred during acute illness or injury.

Employees not eligible for Private Medical Insurance as a core benefit can purchase cover under the group scheme, and benefit from discounted corporate rates. The provider is BUPA, a global health and care organisation, and the level of cover is Corporate Select.

The Private Medical Insurance scheme provides cover for the cost of eligible medical treatment on an in-patient, out-patient or day patient basis.

Your Choices

There is a choice with regard to the level of cover depending on your personal circumstances

• Single Cover• Couple Cover• Family Cover• Single Parent Family Cover

Annual premiums for each level of cover can be viewed on your “Shape Your Reward” site.

Cover is on a ‘Medical History Disregarded’ basis, meaning that any pre existing conditions will be covered.

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Shape Your RewardsDental Insurance

Cundall offer employees the opportunity to purchase Dental Insurance.

Dental Insurance provides you with the peace of mind of knowing that, by paying a monthly premium, the cost of your dental care (routine and / or emergency) will be covered at the point of need.

The provider is Denplan, who are appointed representatives of AXA PPP healthcare. Denplan has 25 years’ experience in the market and is the UK’s leading dental payment plan specialist, with around 6,500 member dentists.

Your Choices

Six different levels of cover are available, depending on your needs:

1. Key2. Elementary3. Essential4. Essential Plus5. Extensive6. Extensive Plus

All of the plans have the following key features:

• No initial oral health check requirement• Immediate cover for all treatments with no waiting period (except mouth cancer)• Inclusion of pre-existing conditions (except mouth cancer)• Use of your existing dentist or any other dentist you prefer.

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Shape Your RewardsChildcare Vouchers

Cundall recognise that more and more of us are working and paying for childcare, whether it is after school, pre school or full time care.

To assist employees in paying for childcare, we operate a childcare voucher scheme.

The Childcare Voucher scheme enables you to benefit from tax relief on (some of) the cost of your childcare arrangements, by way of a “salary exchange” arrangement. You exchange part of your salary for vouchers, which can then be used towards the cost of your childcare.

The vouchers can be used to pay for any form of legally recognised childcare for children up to the age of 16. Many child-minders, nurseries and nannies accept the vouchers as a method of payment.

Your Choices

You can choose to exchange up to £243 of your monthly salary for childcare vouchers if you are a basic rate taxpayer. Higher rate taxpayers may exchange up to £124 of their monthly salary for childcare vouchers.

You can purchase additional vouchers over and above this limit, but these additional costs will be deducted from your net pay (ie your salary after tax and National Insurance).

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Shape Your RewardsGive as you Earn

Cundall offers employees the opportunity to make regular donations to a charity of their choice.

The donation is deducted from the employee’s gross pay on a monthly basis, thus reducing the cost of the donation to the employee, and / or enabling the employee to give more.

Donations are forwarded to the chosen charity on a monthly basis through the Charities Aid Foundation. Cundall pays the administration fee for this service.

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Shape Your RewardsCycle to Work

Cundall are Sustainable Consultants of the Year 2010. But we don’t think sustainability stops at building design. The Cycle to Work initiative helps employees save money, improve their health and protect the environment!

Cycle to Work is provided in conjunction with Cyclescheme. The scheme allows you to hire a bike and associated safety equipment (worth between £100 and £1,000), for commuting to and from work. The voucher can be used in a wide variety of outlets.At the end of the hire period, ownership of the bike and equipment can be transferred to you, upon payment of a specified sum, to reflect the fair market value of the equipment.

Your Choices

As a participating employee, you will agree to sacrifice an agreed sum deducted from your gross salary.

In return, Cundall will provide you with the use of a bicycle and cycling safety equipment for commuting, work related activities and leisure.

You will save on income tax and national insurance, that would otherwise have been payable by you.

The cost of the bike and equipment is also spread over 12 months.

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Shape Your RewardsVoluntary Employee Benefits

Cundall provide access, via our Shape Your Rewards site, to the Fair Care Advantage” shopping portal. This site provides offers and discounts on a huge range of products and services for Cundall employees.

When you register with Shape Your Rewards, you will be able to access the site, which will enable you to shop on-line and benefit from discounts.

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Shape Your RewardsWorkplace Options

Cundall provide access to a 24 hour counselling and advice line for all employees and their family members, at no cost to you.

Workplace options has 30 years experience as a leading work-life and Employee Assistance Programme services provider.

The service provides confidential and independent support and counselling on a wide range of topics including:

FinanceThe LawEducationHousingHealthFamilyEmotional IssuesRelationship Issues

Call 0800 243 458, 24 hours a day / 365 days a year.

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