If you’re a member of The People’s Pension, our secure site is an easy way for you to view and manage your pension pot with us.
If you have another product with B&CE, the provider of The People’s Pension – and you’d like more information, please visit B&CE’s financial services webpages.
Securely operate and manage all aspects of your account with us.
Secure logins to the toolkit in your Adviser Centre and to your client accounts.
For construction employers who’d like to offer reassurance with Employee Accident Cover and Employee Life Cover (EAC/ELC).
Providing EAC shows you value your employees – if accidents happen they’ll be taken care of financially. And ELC is an affordable benefit that’s reassuring to your employees. Knowing their loved ones will be taken care of financially in the event of their death is a great support.
Our low cost cover applies to anyone 16 and above. For EAC this is available to those resident in the UK and Isle of Man. It’s really simple to use. And as a not-for-profit company, we try to find reasons to pay claims rather than reject them.
Construction employers can download an application form. Or for more information, contact us.
Our downloads below provide more information and forms to apply.
You can also contact us for more information.
Please visit our deferred payment plan webpage for more information about how we could support you.
How much we pay depends on the kind of injury.
Qualifying injury |
Benefit |
Loss of sight in both eyes | £40,000 |
Loss of sight in one eye | £20,000 |
Loss of hearing in one ear | £10,000 |
Loss of hearing in both ears | £20,000 |
Loss of hand or foot | £40,000 |
Loss of arm or leg | £40,000 |
Loss of big toe | £2,000 |
Loss of any other toe | £1,000 |
Loss of thumb | £5,000 |
Loss of index finger | £5,000 |
Loss of any other finger | £1,500 |
Total disablement – payment varies depending on whether temporary or permanent | £7,500 – £40,000 less any payment previously made in respect of the total disablement |
Please get in touch with us as soon as you can.
Email us at B&A@bandce.co.uk to claim.
You can get EAC and ELC for your company at a low cost.
While accidents are covered as standard, under the combined cover there are three levels of life cover to choose from. The costs quoted below are for the combined cost of EAC/ELC.
Life 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 |
---|---|---|---|---|
Standard | £40,000 | £80,000 | £1.49 | £6.46 |
Double | £80,000 | £160,000 | £2.62 | £11.35 |
Triple | £120,000 | £240,000 | £3.75 | £16.24 |
*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’.
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.
Employee Life Cover from B&CE (ELC) is available as a standalone scheme.
Our low cost cover applies to anyone 16 and above and is really simple to use. ELC provides a lump sum (normally tax-free) to a member’s beneficiaries if the member dies for any reason while employed by you. And as a not-for-profit company, we try to find reasons to pay claims rather than reject them.
There are three levels of life cover to choose from. The costs quoted below are for ELC only:
Life cover |
Minimum payment made if a member dies* |
Benefit rate if member dies as a result of an accident at work* |
Weekly cost per employee for ELC only |
Monthly cost per employee for ELC only |
---|---|---|---|---|
Standard | £40,000 | £80,000 | £1.38 | £5.98 |
Double | £80,000 | £160,000 | £2.51 | £10.87 |
Triple | £120,000 | £240,000 | £3.64 | £15.77 |
*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’.
If you are operating under the CIJC Working Rule Agreement, then you must provide your employees with the combined cover or equal cover from an alternative provider. For information on the combined package, please go to the Overview tab.
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.
Our downloads below provide more information and forms to apply.
You can also email us at info@bandce.co.uk or give us a call on 01293 586666.
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.”
For employees covered by Employee Accident Cover and/or Employee Life Cover.
Employee Accident Cover (EAC) and Employee Life Cover (ELC) is your employer’s way of financially protecting you and your loved ones. These benefits could help towards paying the bills, debts or other expenses.
Your employer may have chosen to offer life cover only or accident cover as well. Either way, our covers give an extra layer of reassurance that we – and your employers – have got your back.
If you’re working in construction and are over the age of 16, you might be eligible for our covers.
Your employer can offer our accident cover to you if you’re already covered by ELC.
We offer payments for a range of injuries. Find out more about the injuries that are covered.
It’s worth noting, EAC is only available to those who are resident in the UK and Isle of Man.
Your employer might choose to offer you ELC only. This cover would give a lump sum payment (normally tax free) to your beneficiaries if you died, for any reason, while still working for your employer.
There are 3 levels of life cover your employer can choose from. The table below shows these levels and the payments:
Life cover |
Minimum payment made if a member dies* |
Benefit rate if a member dies from an accident at work* |
---|---|---|
Standard | £40,000 | £80,000 |
Double | £80,000 | £160,000 |
Triple | £120,000 | £240,000 |
*Except for the case of ill health or unemployment where the payment is decided by the period of absence. Please see ‘Absence Taper’ on page 4 of the ELC Rules document for more information.
If you’re unsure which level your employer has chosen for you, please contact them or us.
Reminder – tell us your beneficiaries
It’s important to let us know who your beneficiaries are and if this changes. This is so your loved ones will be taken care of financially if you were to die.
As a not-for-profit company, we try to find reasons to pay claims rather than reject them.
Please get in touch with us as soon possible and we’ll support you through the process.
For ELC claims, beneficiaries have up to 1 year to contact us about a member’s death. If all is in order, we’ll then pay the life cover as a lump sum to the member’s beneficiaries (at the Trustee’s discretion).
If we need to see any more medical evidence, we’ll let you know.
For all ELC and EAC claims support, email B&A@bandce.co.uk or call 0300 2000 555.