Wealth and Legacy™ Group assists employers with structuring, reviewing and supporting employee benefit arrangements that contribute to the financial wellbeing and protection of their employees.

Employee benefits can span healthcare, risk protection, retirement funding and related financial arrangements. We therefore consider the overall benefit structure rather than treating each component in isolation.

Our employee benefit services can include:

• Reviewing existing employee benefit arrangements;
• Assisting with the selection and implementation of appropriate benefits;
• Medical scheme arrangements for employer groups;
• Group life, disability and income protection benefits;
• Retirement fund arrangements where appropriate;
• Employee onboarding and benefit communication support; and
• Ongoing review as workforce needs, benefit structures and provider offerings change.

Medical aid and healthcare benefits

We assist employer groups with medical scheme arrangements, including scheme and option selection, employee onboarding and ongoing support. Where appropriate, gap cover can also be considered alongside the medical scheme arrangement.

For more detail on our healthcare offering, see Medical Aid & Gap Cover.

Group risk benefits

Group risk benefits can provide employees and their families with financial protection in the event of death, disability or loss of income. The appropriate structure depends on the employer’s objectives, workforce profile, affordability and existing arrangements.

For more detail on the underlying personal and business risk concepts, see Life & Risk Cover.

Retirement and long-term employee benefits

Where appropriate, we can assist with retirement fund and related long-term benefit arrangements as part of the broader employee benefits structure, taking into account the employer’s objectives and the needs of its employees.

Benefit reviews and ongoing support

Employee benefit arrangements should be reviewed periodically as contribution levels, benefit structures, workforce demographics and provider offerings change. We can assist employers with evaluating whether the existing arrangement remains appropriate and with communicating changes to employees.

Employee Benefits within the broader financial plan

For business owners and employers, employee benefits form part of the wider financial framework of the business. Where appropriate, we consider these arrangements alongside business assurance, ownership structures and other financial planning considerations.