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For construction employers who’d like to offer reassurance with Employee Accident and Life Cover (EAC/ELC).
Providing Accident Cover shows you value your employees – if accidents happen they’ll be taken care of financially. And Life Cover is an affordable benefit that’s reassuring to your employees. Knowing their loved ones will be taken care of financially is a great support.
Our low cost cover applies to anyone 16 and above and is really simple to use. And as a not-for-profit company, we try to find reasons to pay claims rather than reject them.
How much we pay depends on the kind of injury.
|Loss of sight in both eyes||£30,000|
|Loss of sight in one eye||£12,000|
|Loss of hearing in one ear||£3,600|
|Loss of hearing in both ears||£12,000|
|Loss of hand or foot||£30,000|
|Loss of arm or leg||£30,000|
|Loss of big toe||£1,600|
|Loss of any other toe||£700|
|Loss of thumb||£4,800|
|Loss of index finger||£4,800|
|Loss of any other finger||£1,000|
|Total disablement – payment varies depending on whether temporary or permanent||£3,000 – £15,000 less any payment previously made in respect of the total disablement|
Please get in touch with us as soon as you can.
You can get employee accident and life cover for your company at a low cost.
While accidents are covered as standard, there are three levels of life cover to choose from. The costs quoted below are for the combined cost of Employee Life Cover and Employee Accident Cover.
Benefit rate if member dies*
Benefit rate if member dies as a result of an accident at work*
Weekly cost per employee
Monthly cost per employee
*Except for the case of ill health or unemployment where the payment is determined by the period of absence. Please see ‘Absence Taper’ on page 4 of the ‘Employee Life Cover rules’.
From 1 January 2019, we’ve increased how much we pay in Employee Life Cover (our Employee Accident Cover benefits remained the same). The combined cost of Employee Life Cover and Employee Accident Cover also went up as a result – but it only increased by 10p a week per employee for standard Life Cover.
So if you’ve provided Employee Life Cover and Employee Accident Cover to your employees since before January 2019, you’ll need to have changed the amount you pay B&CE accordingly…
If the first day of the pay period is on or after 1 January 2019, then the new cost should be applied to this period.
Please get in touch within a year of a member’s death. We handle all claims quickly, carefully and sensitively. If all is in order, we’ll then pay the lump sum life cover to the member’s beneficiaries (at the Trustee’s discretion).
We may require medical evidence if death is preceded by incapacity. And there’s no upper age limit for employees, except for death in incapacity or unemployment cover.
Company: Allied Infrastructure Management Ltd
Name: Kate Halliday, Commercial Director
“Their [B&CE’s] history of working with the construction industry was an advantage as we also had to comply with the CIJC working rule agreement [which B&CE is in conjunction with]. The fact that B&CE is a not-for-profit organisation was a factor in choosing B&CE as it gave me confidence that they’re working for the benefit of their members, not shareholders.
What I like about B&CE’s EAC/ELC is that it is good value for money, relatively easy and varied enough for most of our staff, and it’s nice to offer different levels of cover to the workforce. It also adds security for our staff which we can rely on.”
“The application process was very easy. Our contact made it an absolute joy, gave me advice on the process and took it out of my hands.
I think operating the accident and life cover is simple enough and almost admin-free.
I’ve called a handful of times and each time the support has been amazing – absolutely fantastic. My queries were answered in a timely manner.
We had to make a claim shortly after opening the account with B&CE and I was blown away by how our contact handled the claim – it was amazing and very quick. She walked me through the claim step-by-step.
If I could describe B&CE’s EAC/ELC in three words, those would be: professional, easy and sympathetic.”
“Yes I would recommend B&CE’s EAC/ELC to other companies. The type of cover gives staff confidence and security and they would see it as a benefit of working for that company, as well as giving staff access to the cover’s features quickly. If an employee needs to make a claim, it gives directors peace of mind that they’ve made the right decision of taking out accident and life cover with B&CE.”