newjoiner’s - capgemini · your core benefits charges, your entire flex fund is available for you...

NewJoiner’sBrochure

and other employment benefits

This brochure will provide you with an overview of:

• Your Pay & Benefits package• Flex Benefits available• Voluntary Benefits Information

If you have any questions regarding your pay or Flex Benefits, please contact HR Service Delivery on (762 8701 / 01667 458701)

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NewJoinersBrochure

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Your salary consists of three elements :

• Reference Salary• Flex uplift• Bonus / Variable component (if applicable)

REFERENCE SALARY is the equivalent of your annual salary in a traditional reward package. However, with flexible benefits, your Reference Salary does not necessarily reflect the amount of cash you receive; your take-home pay may be higher or lower than your Reference Salary depending on the benefits you choose.

Your Reference Salary is used as a reference point for calculating certain salary-related benefits, such as life assurance, pension contributions and overtime. Your Reference Salary remains unchanged regardless of the benefits you elect.

FLEX UPLIFT is an additional sum of money provided to cover your company-funded benefits such as Car Funding, Employer Pension Funding, Private Medical Insurance, Life Assurance and Long Term Disability.

Through Flex Choices, the value of your Reference Salary and Flex Uplift are combined to create your individual Flex Fund. After taking into consideration your core benefits charges, your entire Flex Fund is available for you to elect your preferred mix of benefits and cash. You may not choose such a high level of benefits that your take-home cash is less than the minimum wage.

FLEX FUND is the sum of your Reference Salary and FLEX UPLIFTYour flex fund is available for you to elect the mix of cash and benefits to suit your lifestyle.

Introduction to your Pay and Benefits package

Target Bonus

Benefit

Benefit

Benefit

Benefit

Benefit

Salary£

Target Bonus

Example Benefits:Pension

Life AssurancePrivate Medical Cover

Flex Uplift£

Reference Salary

£

You can elect a mixof cash and benefits tosuit your lifestyle

FLEX

FUND

Traditional Flex Benefits

As a Capgemini employee you are automatically covered for Life Assurance benefit, providing a lumpsum to your nominated beneficiaries upon your death. This is set up initially at the default level of 4 x your Reference Salary, although can be flexed down to 3 or 2 x your Reference Salary if you wish

You are also automatically covered for the Salary Security benefit, providing you with 60% of your Reference Salary coverage if you are off sick for a period of 6 months, up to a period of 5 years (subject to your claim being accepted by our insurers). This amount is also less state incapacity benefit and can be flexed up to 75% or down to 50%.

If you receive funding for medical in your Flex Uplift, you will automatically be opted into the Medical Plan unless you opt out. The opt out and monthly charge for self only cover is the same (£43.45). If you opt out you do not receive the BIK (Benefit in Kind) charge on your P11D. BONUS/ VARIABLE COMPONENT gives the company the flexibility to vary a proportion of pay for senior employees according to our financial success – sharing profits in good years and reducing costs during lean years. The bonus schemes are a discretionary part of the package designed so that the better your performance and the better the performance of the business, the bigger the bonus you will receive. Eligibility to bonus schemes is dependent on your grade and role in Capgemini.

Our bonus schemes are a discretionary part of the package designed so that the better your personal performance and the better the performance of the business, the greater the bonus you will receive. Our bonus scheme brochures explain this in more detail and include examples.

We have the following schemes:• The Sales Commission Scheme (SCS) is for permanent employees whose primary function is to generate

sales manage sales or accounts.• The Variable Compensation Scheme (VCS) is for Vice Presidents who are not in SCS.• The Performance and Profit Bonus Scheme (PPBS) is for senior employees who are not in other bonus

schemes.• The Infrastructure Services Bonus Scheme (ISBS) is for senior employees om Infrastructure Services who

are not in the other bonus schemes.

If you work for another part of the business, e.g. GSA then your bonus scheme may be different but the same payment rules apply to all schemes.

When is my salary reviewed?We review everyone’s pay annually. Whilst a review may not necessarily mean an increase, most increases are implemented on 1 January. There is also an opportunity to implement a limited number of exceptional increases during mid-year reviews.

How is my pay reviewed?Your pay will be influenced by:• Your value to the Company, as measured by your experience and capability and your skill-group or role• How your pay compares with the market range for similar skills or roles in similar companies• Your individual performance measured by a performance review.• How your earnings compare with those of peers within your own skill-group or role• Company financial performance and affordability.

If you are on Terms and Conditions of Service that you have retained under TUPE (i.e. you have joined Capgemini through an outsourcing deal and have not transferred to our Terms and Conditions of Service), your pay, bonus and benefits will be set in accordance with your transfer agreement.

NewJoinersBrochure

Policy DocumentsPlease make sure you read the policy documents provided by third parties for any insurance you take to ensure that the terms and conditions of the insurance are suitable for your personal circumstances.

Please see the Flex Choices pages on the HR Intranet for policy documents and full details of each of the benefits.

If you have any queries please contact HR Service Delivery (762 8701 / 01667 458701).

Flex

ible

Ben

efits Flexible Benefits

You will receive a Flex Choices welcome letter up to 2 weeks after you join.

All elections of benefits are made using FlexChoices online, through Employee Self Service (ESS). You can access ESS through the front page of the Intranet. To log in you need to use your network user name, as a new joiner you will need to select the newuser option and a password will be sent your Capgemini email address.

Within Flex Choices online you have the opportunity to model your benefits and review the charges for each of the benefits available. The tool also shows you your gross salary after you deduct the charges for the benefits you elect. If you joined Capgemini through TUPE some of the information in this document will not be relevant to you.

What is a Lifestyle Event?You may make changes to some of your benefits following a lifestyle event:• Gaining a partner• Separating from a partner• Birth/Adoption• Death of a Dependant• Increasing or reducing your working hours by more than 20%• Returning from a period of Sabbatical• Going on or returning from a period of insured long term sick leave• Going on or returning from a period of long term International Assignment

The benefits that can be changed will varybetween the different Lifestyle Events, please seethe ‘Changing Your Benefits’ page on the FlexChoices pages on the HR Intranet.

Retail Vouchers, Childcare Vouchers and Pension Variable Additional Contributions can be changed on a monthly basis and if you are not currently a member of the company funded Pension Plan you can join at any time (effective 1st of the month following election).

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Life

styl

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SavingMoney

RetailVouchersIf you spend more than £40 per month on the High Street you can make a saving

Retailer Charge for each £10 Voucher*

Arcadia - for Burton, Dorothy Perkins, Evans, Miss Selfridge, Outfit, Top Shop, Top Man and Wallis

£9.15

Asda - does not include fuel £9.50

Debenhams £9.10

House of Fraser £9.20

John Lewis - includes Waitrose £9.15

Love2Shop - includes Boots, Homebase, Iceland, HMV and Mothercare. They can also be redeemed against walk up admission to attractions such as Alton Towers and Legoland

£9.30

Marks & Spencer £9.30

Sainsbury’s £9.50

* There’s a £1.30 charge per month admin fee but if you take over £40 vouchers, you still make a saving.

TheFactsWhat are Retail Vouchers? Retail Vouchers enable you as an employee to elect vouchers for a variety of high street retailers. The amount of these vouchers is deducted from your salary and sent to your home address on a monthly basis.

How often can I change this benefit? You can start, stop or change this benefit every month.

When is this benefit effective? Retail vouchers will be received around pay day in the month after you elect them.

Additional Info. You can take vouchers from just one retailer or many retailers each month.

Whichever you go for you only pay the admin fee once.

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ChildcareVouchers

Take advantage of the Tax and NI savings and the discount on face value when you take childcare vouchers.

Childcare Vouchers are not just for pre-school children attending nursery they can be used at all of the following:• Registered Childminders.• Day care playgroups.• Out of school schemes.• For children aged under 8, care by a registered

carer - NOT a relative of the child - outside of the child’s home.

• Registered day nurseries.• Nannies.• Holiday play schemes.• Childcare provided in the child’s own home by a

registered carer - NOT a relative of the child.

2011 Important Change:

There are changes to the TAX and NI exempt amounts associated with childcare vouchers for new joiners to the scheme on or after 6th April 2011. This change specifically applies to employees who are 40% and 50% tax payers.

Basic rate tax payers are not affected by this change at this time.

The minimum amount of childcare vouchers to betaken each month is at £100, the maximumis at £500 per month and on top of any tax savings the Capgemini employee 8% discount. of the voucher value.

Please note that this discount is subject to change at anytime.

The table below shows the impact this legislationhas on the Tax and NI exempt amounts:

Maximum Tax and NI exempt amount per week (currently)

Maximum Tax and NI exempt amount per week (from April 2011)

Rate of Tax

£55 £55 20%

£55 £28 40%

£55 £22 50%

Further information is available on the Flex ChoicesIntranet pages.

TheFactsHow often can I change this benefit? You can start, stop or change this benefit every month.

When is this benefit effective? Childcare vouchers will be in your account around pay day in the month after you elect them.

Who can take childcare vouchers? Both Mums and Dads can take Childcare Vouchers. If you both work for Capgemini you can both take the vouchers and both benefit from the Tax and NI free part.

Additional Info. You will not be sent any vouchers. The amount you elect goes into an account with the benefit supplier and you pay your childcare provider from that.

Costs. The actual amount you save will depend on the rate of tax you pay. If you elect this benefit during Flex Renewal there is a saving of 8% on the face value (this discount is subject to change at anytime during the flex year).

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GettingAround

CompanyCarIf you are eligible for a Company Car it will state this on your offer of employment.

You can elect a company car at any time during the year from the list of manufacturers below:

Audi | BMW | Citroen | Ford | Honda | Mercedes | Mini | Renault | SEAT | Smart | Toyota | Vauxhall | Volvo | VW

You can view all of the vehicles available and the monthly costs on the Choice List. The type of vehicle that you can elect is not restricted, this includes hatchbacks, saloons, convertibles, estates and MPV’s.

You can also elect the lease period to suit you, 12, 24, 36 or 48 months.

With a company car, you make one monthly payment which covers:

• Lease costs of the car - including discounts negotiated with the manufacturers

• Fully Comprehensive Insurance - including 2 nominated drivers

• Servicing Maintenance and Repair• Tyres, Batteries and Exhausts• Hire Car in the event of an Accident or• Mechanical Failure• Road fund licence• Windscreen and Glass Replacement• Breakdown Cover• MoT• 24hr Accident Management• Zero excess mileage charge

The charge (lease cost) is taken from you salary before Tax and NI contributions are deducted. For example, a 40% tax payer, with a lease cost of £300 would save £120 in tax and £3 in NI giving a net salary deduction of £177.

A 20% tax payer would save £60 in Tax and £33 in NI giving a net salary deduction of £207.

The company car is treated as a Benefit in Kind, and will be shown on your P11D report and also reflect in your tax code. But if the car you choose has low C02 emissions, your Tax and NI savings on the lease cost is likely to be greater than the adjustment to your tax code, giving you an overall saving.

The difference with owning and running your own private car is that costs are all paid from taxed income, asyou have already paid tax and NI on your take home salary, and then spending it on running the car.

Within the company car quotation there is a section called Salary Sacrifice and this shows the total net cost Salary deduction including Benefit in Kind Tax.

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Please find below 3 net cost examples for a Toyota Prius, BMW 3 Series and a VW Golf based on20%, 40% and 50% Tax Bands.

TOYOTA PRIUS HATCHBACK 1.8 VVTi Spirit 5dr CVT Auto (based on 48 months)

Salary Sacrifice 20% Tax Payer

40% Tax Payer

50% Tax Payer

Monthly Tax Payable on Car Benefit 41.35 82.70 103.38

Monthly Salary Sacrifice 393.49 393.49 393.49

Monthly Tax Saved on Salary Sacrifice -78.70 -157.40 -196.74

Monthly National Insurance Saved on Salary Sacrifice -47.22 -7.87 -7.87

Monthly Net Salary Deduction 308.92 310.92 292.26

BMW 3 SERIES DIESEL SALOON 320d Efficient Dynamics 4dr (based on 48 months)


40% Tax Payer

50% Tax Payer






VW GOLD DIESEL HATCHBACK 1.6TDi BlueMotion Tech Match 5dr (based on 48 months)


40% Tax Payer

50% Tax Payer






Why not call the Capgemini Driver Helpdesk (01344 466523);

• To arrange a One to One with our Account Manager who will take into account your personal circum-stances and provide a comprehensive explanation of company car tax (P11D), lease cost, salary deduc-tion and the overall financial impact on you including a cost comparison of running your own car.

• Or if you want to sell your private car to make joining the company car scheme hassle free by not having to sell it yourself.

TheFactsHow often can I change this benefit? You can join the company car scheme at anytime during the year providing you are eligible for a company car. You must keep the car until the end of the lease period.

When is this benefit effective? Once your company car is delivered your car charge will show on your payslip.

Please remember if you elect a company car you can contact your local tax office as soon as you take delivery to advise you have a company car, this will adjust your tax code immediately to avoid you having to play catch up at a later date as P11D’s are submitted once a year. The contact details can be found on your PAYE Coding Notice.

Costs. Quotes available on request from Capgemini Driver Helpdesk.

What happens if I leave Capgemini before the end of the lease? You will need to contact Leasedrive Velo who will organise collection of your company car.

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TakingABreak

Only available during Flex Renewal

Holiday

As a Capgemini employee you are entitled to 25 days annual leave per annum. If you join mid year the amount of days you receive is pro-rated.

HolidayTrading

During Flex Renewal you have the opportunity to buy up to 10 additional days holiday and sell up to 5 days. Entitlement varies by business unit.

Further information can be found on the Intranet.

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Only available during Flex Renewal

TravelInsurance25% of Capgemini employees can’t be wrong! Travel Insurance is one of the most popular Flex Benefits and it’s not surprising.

For a very reasonable cost you can cover yourself, your partner and your children for travel anywhere in the world. You can travel as many times as you like, your partner and children can travel independently from you and you are covered for winter sports and scuba diving. Not only that but you save National Insurance on the monthly charges.

As always with insurances, before you sign up for this benefit make sure you read the policy document (available on the Flex Choices pages on the HR Intranet) for the small print and any exclusions that might affect you.

TheFactsHow often can I change this benefit? Upon joining the company and during Flex Renewal

When is this benefit effective? You will be covered from the 1st of the month after you elect the benefit

If I leave Capgemini will I still be covered? No, cover ceases from the date you leave Capgemini employment

Additional Info. The maximum age for you or your partner to elect cover in 70. Children must be 19 years or under (or 24 or under if in full time education) to be eligible

Costs. Annual charges are as follows:Self Only : £39.12, Self & Partner : £53.76, Self & Children : £53.76, Family : £61.08

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Hea

lth

All employees in Flex are eligible to join the Medical Plan which is administered by SimplyHealth.

You can arrange cover for yourself, partner and your children. Enrolment into the plan enables access to a number of medical services including:

• Professional support to identify a consultant specific to your needs• Capgemini Rapid Access Physiotherapy service - early diagnosis available over the phone along with

face to face treatment where necessary• Mental Health Management Service - national access to high quality mental health treatment through

the Priory NHS Cash payment

You will be subject to an excess payment of £100, deductable following the first invoices received by Simplyhealth for treatment relating to you and/or your family. More information can be found on the medical brochure on the HR Intranet.

You will also need to complete a medical history declaration on behalf of any partner or dependant child you add to your plan as pre existing medical conditions will be excluded for a period of 5 years. You do not need to complete a form for yourself.

Please make sure you read the medical plan brochure (available on the Flex Choices pages of the intranet)to ensure that you fully understand all of the detailed terms and conditions.

MedicalPlan

AdditionalInfoChildren must be ages 17 or under (or 23 yrs or under if in full time education) to be eligible for cover. There isno maximum age for you or your partner.

How often can I change this benefit? Upon joining the company and during Flex Renewal or following a qualifying lifestyle event.

When is this benefit effective? You will be covered from the 1st of the month after you elect thebenefit.

If I leave Capgemini am I still covered? No, cover ceases for you and your dependants from the dateyou leave Capgemini employment.

Can I cover my partner and children? Yes, you can choose Self Only, Self and Partner, Self and Children or Self, Partner and Children.

TheFacts

NewJoinersBrochure

DentalCover

There are 5 levels of coverage available. Each is structured to suit the varying needs of dental health.

For example, if you only visit the dentist for routine examinations and hygiene treatments Denplan Extensive has high claim limits for hygiene and routine examinations but low limits for restorative treatment.

In comparison, if you need a high volume of restorative treatment Denplan Essential has lower limits of cover for routine and hygiene visits and higher limits for restorative treatments.

Denplan Elementary

Denplan Essential

Denplan Essential

Plus

Denplan Extensive

Denplan Extensive

Plus

Self MonthlyAnnually

£7.05£84.60

£9.70£116.40

£12.40£148.80

£15.85£190.20

£19.90£238.80

Self + Partner MonthlyAnnually

£13.00£156.00

£17.90£214.80

£22.95£275.40

£29.20£350.40

£37.15£445.80

Self + Children MonthlyAnnually

£11.25£135.00

£15.50£186.00

£19.80£237.60

£25.20£302.40

£32.10£385.20

Family MonthlyAnnually

£17.50£210.00

£24.00£288.00

£30.85£370.20

£39.20£470.40

£50.05£600.60

1 All limits are per person, per policy year2 Whilst Denplan Elementary is primarily for those that visit an NHS dentist, it covers private treatment up to the level of NHS limits, if you opt to receive private treatment.

TheFactsHow often can I change this benefit? Upon joining the company and during Flex Renewal or following a qualifying lifestyle event.

When is this benefit effective? You will be covered from the 1st of the month after you elect the benefit.

If I leave Capgemini am I still covered? No, cover ceases for you and your dependants from the date you leave Capgemini employment.

Can I cover my partner and children? Yes, you can elect cover as per the table opposite. If you elect to include family members/dependants, it must be on the same dental plan as the one chosen by you.

Self + Children covers one adult and an unlimited number of children up to the age of 21 (or 24 if in full-time education). Family level covers two adults and an unlimited number of children up to the age of 21 (or 24 if in full time education).

In addition, all products include the following:

• 100% reimbursement for NHS treatment;• Worldwide dental injury cover;• Worldwide emergency dental treatment;• Hospital cash benefit;• Cover for dentist call-out fees;• Mouth cancer cover; and• 24-Hour Worldwide Dental Emergency Helpline.• Online personalised account with ability to make and

review claims online• 50% off Oral B toothbrushes

Benefits Denplan Elementary

Denplan Essential

Denplan Essential Plus

Denplan Extensive

Denplan Extensive

Plus

Routine examinations

100% reimbursement up to NHS limits

Up to £50 Up to £50 Up to £100 Up to £100

Hygiene treatments

100% reimbursement up to NHS limits

U[ to £60 Up to £60 Up to £120 Up to £120

Dental x-rays 100% reimbursement up to NHS limits

Up to £40 Up to £40 Up to £80 Up to £80

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HealthcareCashplanEvery year most of us have healthcare costs, such as new prescription glasses, dental treatment orphysiotherapy.

You can get reimbursed for some of these costs through the Healthcare Cash Plan. There are 5 levels ofcover and within those levels reimbursements are up to set amounts for each benefit provided. If yourchildren are still living with you and are aged up to 18, they are covered free for some of the benefits.

This is not a private medical plan, please refer to the policy summary, general terms and conditions and the benefit rules before electing cover. These can all be found on the Flex Choices pages of the HR Intranet.

AdditionalInfoYour partner is covered for free for some of the benefits even if you haven’t elected separate cover for them. If you already have cover there is no age restriction however, if you are a new joiner then you must be aged 65 or under. Your partner must be aged 65 or under at the beginning of the year even if they already have cover.



If I leave Capgemini am I still covered? No, cover ceases for you and your dependants from the dateyou leave Capgemini employment.

Can I cover my partner? Yes you can cover your partner even if you don’t take out cover yourself. The level of cover doesn’t have to be the same for both of you.

Costs. Please see table below, charges are the same for yourself and your partner.

Level Monthly Cost

1 £4.60

2 £9.25

3 £13.80

4 £19.15

5 £28.80 NewJoinersBrochure

MonitoringYourFitness

HealthScreensThere are 3 different levels of Health Screen you can choose from, each one offers a combination of tests tosuit your dif ferent health and personal requirements.

The tests will look for early detection of disease and there is also technology, which uses 3D imaging, toassess the likelihood of back and spinal problems.

Measurement of anti-oxident levels can give insight into diet and nutrition and measurement of resilienceto stressors helps to understand how you cope with stress from a clinical viewpoint. You will receive acomprehensive report and if there are any issues you need to address, you be referred to the appropriatehealth professional or doctor and you’ll be provided with an action plan.

AdditionalInfoYou can arrange your health screening for anytime within the current flex year. There is no maximum age for taking this benefit but some tests are only suitable above certain ages. Please review the policy documents to make sure the assessment you choose is suitable for your personal circumstances.

TheFactsHow often can I change this benefit? Upon joining the company and during Flex Renewal or following a qualifying lifestyle event. DON’T FORGET you must positively elect a Healthscreen during renewal each year. The election does not ‘roll over’ like the other benefits.


If I leave Capgemini am I still covered? Any outstanding balance on your Health Screen will be taken from your last month’s pay and if you haven’t already had your screening you can take it up any time to the end of the flex year.

Can I cover my partner? Yes you can cover your partner even if you don’t take out cover yourself. The level of cover doesn’t have to be the same for both of you.

Costs.

Level Male Female

Female Health Assessment/Lifestyle Health Assessment £188.00 £234.00

360 Health Assessment £360.00 £383.00

360+ Health Assessment (including ECG) £482.00 £504.00

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Finan

cial Pension

Plan

Total Basic Contributions for existing members of the Capgemini UK Pension Plan – Defined Contribution (DC) Section, vary between 7% and 13% of Reference Salary (subject to the Plan Cap), depending on your age at each 1st April. If you wish to increase the amount of contributions you pay into the DC Section, you can elect either Fixed Additional Contributions (FACs) or Variable Additional Contributions (VACs).

FACs can only be started or changed during Flex Renewal. Having elected to start FACs or change any FACs you already pay during the Flex Renewal, they are then fixed for a full Plan Year. The maximum amount of FACs which can be paid in any Plan year must not add up to more than 50% of your Reference Salary (including Total Basic Contributions). In addition to qualifying for tax relief*, National Insurance contributions are not payable on FACs if paid through Flex Choices.

You can elect to pay VACs, in addition to, or instead of, any FACs, either on a Monthly or a One-Off basis. Please note that the maximum level of total contributions (Total Basic Contributions, plus any FACs and VACs) in any Plan year cannot exceed 75% of Reference Salary, subject to the Plan Cap or the Annual Allowance, as applicable. Whilst VACs give you more flexibility to stop, start and change your level of contributions during the year and they attract tax relief*, they are subject to National Insurance contributions.

If you wish to make any investment fund switches for both future and past contributions, you can initiate these switches directly through Compendia at anytime. For future contributions, there is no restriction on the frequency and there is no associated charge. For existing contributions, there is no restriction on the frequency, but a charge will be made for any switches in excess of 3 within a rolling 12 month period. Compendia can be accessed via Employee Self Service or the Pensions Intranet site.

* from 6 April 2011, tax advantaged pension savings will be restricted to £50,000 per annum. Full details will be issued shortly.

If you are not a member of the Capgemini UK Pension Plan, you can join the DC Section on the 1st of any future month but if you elect membership during the Flex Renewal, this will be effective from 1st April.

Please read the DC Section booklet on the Pensions Intranet site, before making any changes but if you have any questions please contact the Pensions Help line on 0870 241 4502 or by email to [email protected]

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TaxReturnPreparation

It isn’t getting any easier for you to sort out yourpersonal taxes. That’s why we offer you a choice ofservices to take away the stress of completing yourtax return. With costs starting from as little as £11 a month, you will have the confidence of knowing that your tax affairs are in safe hands.

There are three levels of cover, all provided by British Taxpayers.

Silver - £11 per monthThis service is designed for the most straightforward cases. If you have to submit a Self Assessment tax return for the year ended 5th April 2011 but have no income apart from your Capgemini salary and benefits, and small amounts of interest from banks and savings - this may be the service for you.

Your tax return will be completed and submitted electronically to HMRC but you will still need to deal with any HMRC correspondence.

Gold - £15 per monthIf you have dividend income as well as your Capgemini salary and benefits, and interest from banks and savings, this may be the service for you.

Your tax return will be completed and submitted electronically to HMRC but British Taxpayers will be registered with HMRC as your tax agent. This means that all HMRC communications will be dealt with, your tax code will be checked, and you will get advice about tax payments and repayments.

Platinum - £25 per monthIf you have rental income, capital gains, dividend income and/or share options or awards, as well as your Capgemini salary and benefits, and interest from banks and savings, this will be the selection for you. You will also need to select this service if you are non-UK domiciled.

As added benefits, free membership of the Premier Protection Service, worth £40 is included in Platinum cover. British Taxpayers will provide representation to protect your interests during HMRC enquiries, reviews or interventions. The Premier Protection Service covers representation costs up to £100,000 should you become involved in any UK tax enquiries or disputes you are also entitled to a free half-hour consultation at a London office of Capgemini (worth £100).

Please note that you can also add this benefit on to Silver and Gold cover by paying British Taxpayers direct.

For further information please refer to the intranet which includes full details of benefits available under each level of cover.

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Prot

ectio

n

It’s not something anyone likes to think about but if you or your partner suffers in the future from a serious illness or medical condition or has a serious accident, how would you cope?

Your household income may be reduced on a short or long term basis and looking at the worst case, what position would your family be in if you were to die while they are still dependent on you?

And looking at the worst case, what position would your family be in if you wereto die while they are still dependent on you?

The following benefits may give you the security you need if anything were tohappen.

As with all insurances, please make sure you read the policy documents,available on the Flex Choices pages of the Intranet, and take note of claim limitsand exclusions before making your elections.

Security For You andYourFamily

SalarySecurity/LongTermDisabilityIf you are unable to work due to illness or injury then, subject to acceptancefrom the insurer, you may receive this benefit. The payment is made up of apercentage of your Reference Salary (less the Single Person’s State IncapacityBenefit).

Capgemini believe that all employees should have this protection and fundingis included in your Flex Uplift for this benefit. Your terms and conditions ofemployment will determine the level of cover you have as a default. In manycases you will be able to either increase or decrease this level of cover. However,you cannot deselect it.

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LifeAssuranceThis benefit provides a lump sum which will be paid to your nominated beneficiaries, at the trustees discretion, if you die whilst you are an employee of Capgemini. You can elect cover of 2, 3 or 4 times your Reference Salary (subject to the Plan Cap, if applicable).

Capgemini believe that all employees should have this protection and funding is included in your Flex Uplift for this benefit. Your terms and conditions of employment will determine the level of cover you have as a default. In many cases you will be able to decrease this levelof cover, however you cannot deselect it.

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CriticalIllnessCoverCritical Illness Insurance provides a tax-free lump sum payable to the person covered (you or your partner) on survival for 14 days following the first diagnosis of a critical illness (or following a six month period of disability in the case of claims for total and permanent disability, paralysis or paraplegia).

You can elect Critical Illness Insurance in units of £25,000 and the maximum benefit you can elect is 150,000 (six units) or 4 x your Reference Salary, whichever is lower.

Please make sure you read the policy document, available on the Flex Choices pages of the HR Intranet, as preexisting conditions are not covered and this includes currently undiagnosed conditions for which you have symptoms at the time of taking out the cover.

If you have children aged between 6 months and under 18 years, they are covered free. The child benefit is the lower of 25% of your benefit (employee benefit only) or £25,000 per child.

Note that you must have elected cover for yourself in order to elect cover for your partner and you cannot elect more cover for your partner that yourself.


Can I cover my partner and children?You can elect in units of £25,000 for yourpartner, up to a maximum of £100,000 (fourunits) or 4x your Reference Salary, whichever islower. You can also elect to take cover for yourchildren, with a single unit of £22,500 of totalpermanent disability per child.

If I leave Capgemini and I still covered?No, cover ceases when you leave thecompany.

Additional Info. You can now elect coverfor yourself and your partner up to the ageof 70. Please make sure you read the policydocument.

Costs. Monthly charges are based on yourage next bir thday and vary from £1.04 per£25k unit of cover if you are under 25 to £75.85if you are aged 70. Partner charges vary from£1.50 per £25k unit if your partner is under 25to £81.87 if your partner is aged 70.

PersonalAccidentInsurancePersonal Accident Insurance provides you with financial protection if you have an accident,whether at home or work, while travelling or playing sport.

You can elect Personal Accident Insurance in units of £50,000. The maximum benefit you can elect is£1,000,000 (20 units) or 10x your Reference Salary, whichever is lower.

Please make sure you read the policy document, available on the Flex Choices pages of the HR Intranet, for the small print and any exclusions that may apply to you.

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TheFacts

You and your partner must be aged under 70 at the start of the plan year to be eligible for cover. Childrenmust be aged 19 or under (or 24 or under if in full time education) to be eligible for cover. If you transferredfrom EDS (as part of the Aspire deal) or Vertex the number of units you can elect may be subject to dif ferent rules. Please contact HR Service Delivery (762 8701 / 01667 458701) for further details.

How often can I change this benefit? Only during Flex Renewal or following a qualifying lifestyle event.

Can I cover my partner and children? You can elect in units of £50,000 for your partner, up to amaximum of £500,000 (10 units) or 4x your Reference Salary, whichever is lower. Note that you musthave elected cover for yourself in order to elect cover for your partner or children and you can’t elect morecover for your partner that yourself.

You can also elect to take cover for your children, with a single unit on £22,500 of total permanent disabilityper child.

If I leave Capgemini and I still covered? No, cover ceases when you leave the company

Costs. The monthly cost per unit for you and for your partner is £1.18. The monthly cost for the single unitfor children is £0.54 per child.

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GivingViaPayrollCharitable GivingMake donations to your favourite charities the easy way – via payroll. Simplyfill out the online Pledge Form with the names of the charities and how muchyou want to donate to each one per month and email it to HR Service Delivery.The only restriction is that the charity must be UK registered. The donationswill be deducted from your salary from the following month. And because thedeductions are Tax free a donation of £5 will only cost you £4 if you are a 20%Tax payer £3 if you are a 40% Tax payer or £2.50 if you are a 50% tax payer.

Carbon OffsettingYou’ve reduced your carbon footprint as much as you’re able – you always turnoff lights, you recycle as much as you can and you take public transport wherepossible – but you can’t reduce it to zero. Capgemini have linked up with thecharity PURE – their website allows you work out how much you need to donateto their carbon neutral projects to offset your remaining carbon footprint. You thencomplete an online Pledge Form with this amount (or part thereof) and email it toHR Service Delivery. The donations will be deducted (Tax free) from your salaryfrom the following month.

NaandiThe Naandi Foundation is a leading anti-poverty charity based in India.Capgemini support Naandi’s Nanhi Kali initiative to sponsor the education ofunderprivileged indian girls (Nanhi Kalis) and promote child rights.

You can become a Nanhi Kali guardian by sponsoring a young girl’s education.You can do this by completing an online pledge form and emailing it to HR ServiceDelivery.

The donations to Naandi are not tax free and are taken from net pay.

EmployeeAssistanceProgramme(EAP)If you don’t know where to turn when you have a legal, emotional, consumer orwork related issue, call the EAP. They have a free confidential helpdesk (0800068 6050) which is open 24hrs per day, 365 days a year.

You can also access www.icasxtra.com (username = capg, password=EAPcg83)to obtain information on a variety of work-related and domestic topics.

Any of your family living at the same address as you can also use this benefit.

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SeasonTicketLoan

What if you don’t want to drive to work and it’s too far to cycle?

If you commute by train, why not consider a loan for an annual season ticket? It’s interest free, it’s cheaper than buying monthly or quarterly tickets and you can split the cost across 12 monthly instalments. All you need to do is to fill in the Season Ticket Loan form and you will be sent a cheque for the cost of your ticket made out to the rail company. Just hand it over the counter to get your ticket - simple! The first instalment will be taken via payroll in the month following the issue of the cheque.

For further information or to apply for a Season Ticket Loan, please contact HR Service Delivery (762 8701 / 01667 458701).

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HealthAndWellbeingIn January 2011 we launched our Health and Wellbeing Portal, the one stop shop for access to everything Health and Wellbeing related in Capgemini. This site includes information on:

• Health benefits available to you and your family as a Capgemini employee• Employee Assistance Programme (EAP) and how this free benefit can help you and your family• Corporate Gym membership discounts available across the UK• Occupational Health Services• Flu inoculation• Wellbeing Works

Please visit the portal on the HR Intranet to find out more.

EyeTestVoucher

Opticians recommend an eye test every two years. Eye tests can not only pick up changing vision but also early signs of some diseases. It’s also important to have your eyes checked regularly if you drive a vehicle.

If you are a VDU user, you are entitled to a voucher for a free eye test every two years. To claim your free eye test you need to access the Health & Wellbeing portal. Where you login to a new online facility and once you have completed the necessary fields an eye test voucher will be sent to your home address.

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EmployeeDiscountsDon’t miss out on the offers available to you as a Capgemini employee!

Next Jump run our employee discounts programme. There are hundreds of offers and discounts withnumerous retailers, fitness centres, travel companies and many more. Have a look, there’s bound to besomething there for you and if there isn’t, you can always use the ‘suggest a merchant’ option on the site toput your favourite retailer forward.

Gym discounts have been negotiated across the UK for Capgemini employees, you can find details ofparticipating gyms on the Health and Wellbeing Portal on the HR intranet.

Capgemini are also members of the GM cars Partners Plan which entitles employees to a discount whenbuying a Vauxhall car. You can access full details on the discounts available on the HR Intranet pages.

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Have a look at the Flex Choices pages on the HR Intranet for full details of thebenefits you are interested in. Always make sure you read any policy documentsbefore making your choices.

If you’ve still got questions, for general queries call HR Service Delivery (762 8701/ 01667 458701) and for specific queries call or email the providers where shownbelow:

Childcare VouchersWho: EdenredCall: 0843 453 4411

Company CarsWho: Leasedrive VeloCall: 01344 466523Email: [email protected]

Critical Illness InsuranceWho: BUPACall: 0845 607 0035

DentalWho: Denplan Call: 0800 838 950 Email: [email protected]

Cycle to WorkWho: HalfordsCall: 08450 778 850 orEmail: [email protected]

Healthcare Cash PlanWho: Westfield HealthCall: 0114 250 2000

Health ScreeningWho: Nuffield HealthCall: 0845 671 3000

Medical PlanWho: SimplyhealthCall: 0800 854 901

Pension PlanWho: Xafinity ConsultingCall: 0870 241 4502Email: [email protected]

Contacts

Personal Accident InsuranceWho: Crispin SpeersCall: 0207 977 5700Email: [email protected]

Tax Return AssistanceWho: British TaxpayersCall: 01403 271 919Email: [email protected]

Travel InsuranceWho: Crispin SpeersCall: 0207 977 5700Email: [email protected]