Payroll Solutions - Lifeguard

Lifeguard offers Income protection, Critical Illness and Life Assurance benefits to the contractor who seeks the peace of mind knowing that they are covered in the event of an emergency. Lifeguard can be used with either the Lite or Express payroll systems.

• The method of payment depends on the system you choose. Refer to Lite and Express and find the solution that best suits you.
• Expenses are submitted electronically via Atlantic Online or by fax. Receipts that accompany expense claims are to be sent in by post
• Upon delivery of physical receipts, expenses are approved
• Immediate start
• No set up charges, exit charges or questionable fine print in contracts

Lifeguard benefits include
Life Assurance Assurer: Canada Life Ltd	2 x Salary
Critical Illness Protection	1 x Salary
Income Protection (Sickness or Disability)	50% Salary

• Full back office - secretarial / management services
• Invoicing, Credit Control, VAT & Payroll, Payslip, P60 and P11D documentation
• £5 million Professional Indemnity Insurance
• £10 million Public Liability Insurance
• £10 million Employee Liability Insurance
• Expenses management to ensure appropriate advantage of expenses
• Optional company Pension
• No IR35 stress – Secure, safe and efficient

• When am I included?
  You are included in the Scheme from your date of joining Atlantic Lifeguard Ltd and are aged at least 18 but less than 60yrs. You will cease to be included in the Scheme on leaving the employment of Atlantic Lifeguard Ltd, or upon your Normal Retirement Date.
• What benefit is provided?
  A lump sum benefit, payable on your death and equal to 2 x Salary

The benefit is payable under discretionary powers to a beneficiary or beneficiaries selected by the Trustee in accordance with the formal rules of the Scheme. The beneficiary will normally be your widow/widower or some other dependant or relative you may wish to nominate who you would like to receive the benefit and the Trustee will take your nomination into account when deciding who to pay. No. Your Employer pays the whole cost, which does not count as part of your income for tax purposes.

• Employer means Atlantic Lifeguard Ltd
• Entry Date means your date of joining Atlantic Lifeguard Ltd
• Normal Retirement Date means your attainment of age 60yrs.
• Scheme Salary means Gross Salary, not expenses or contract earnings.
• Trustee means the trustee or trustees for the time being of the Scheme, appointed in accordance with the terms of the trust deed governing the Scheme.