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Employee Life Cover and
Employee Accident Cover

Did you know?

  • Friendly customer service – we put members first
  • Low weekly cost
  • Endorsed by the Construction Industry Joint Council (CIJC)

Financial protection for employees and their families

For construction employers who’d like to offer reassurance with Employee Life Cover and Employee Accident Cover (ELC/EAC).

Why provide this cover?

As an employer, ELC allows you to provide group life cover for you and your employees, which provides a cash lump sum if anyone dies while covered by the policy. It’s an affordable benefit that’s reassuring to your employees – helping their loved ones cope financially if they’re not there.

EAC provides group accident care for you and your employees, showing that you value your employees – it offers a financial helping hand if accidents happen.

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. The benefits are also transferable between employers if the new employer is providing ELC/EAC.

Reasons to provide cover

  • More affordable than you think – cover starts from £1.49 for an employee with standard life cover.
  • Large payments – up to £40,000 for accidents, up to £240,000 for life cover.
  • Broad life cover – accidental deaths, suicide, death in incapacity or following redundancy.
  • Covers a range of accidents – at work or on the way to or from work.
  • Flexible for you & your employees – flexibility to fit work patterns or seasonality, transferable from 1 employer to the next.
  • Simple setup – with day one cover, straightforward application and no underwriting.
  • Easy to administer and claim – support available to employers and employees from a UK call centre with quick turnarounds.

You can get ELC and EAC for your company at a low cost.

Costs and life cover options

While accidents are covered as standard, under the combined cover there are 3 levels of life cover to choose from. The costs quoted below are for the combined cost of ELC/EAC.

Life cover

Benefit rate if member dies*

Benefit rate if member dies as a result of an accident at work*

Weekly cost per employee

Standard £40,000 £80,000 £1.49
Double £80,000 £160,000 £2.62
Triple £120,000 £240,000 £3.75

*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’.

EAC is not available as a standalone product – it’s only available when combined with ELC.

Employee Life Cover (ELC) is available as a standalone scheme. Our low cost cover applies to anyone 16 and above and is really simple to use.

Separate life cover

ELC provides a lump sum (normally tax-free) to a member’s beneficiaries if the member dies for any reason while employed by you.

There are 3 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

Standard £40,000 £80,000 £1.38
Double £80,000 £160,000 £2.51
Triple £120,000 £240,000 £3.64

*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.

Our low cost cover applies to anyone 16 and above. For EAC this is only available to those resident in the UK or Isle of Man.

What injuries qualify for payments?

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

Get cover for you and your employees

Construction employers can download an application form and send it to the email address or postal address at the end of the form. Or for more information, contact us.

Download form to apply

Providing you and your employees with peace of mind

For employers who offer Employee Life Cover (ELC) and/or Employee Accident Cover (EAC) to their employees.

Offering ELC/EAC allows you to protect your employees’ financial wellbeing. Our low-cost policy makes it affordable for you to cover anyone over the age of 16, working in construction or allied trades, and resident in the UK or Isle of Man. For a reminder of what’s on offer, including the latest claim statistics, check out our:

 

     

How to manage your account

If you’re an employer with ELC/EAC, you can log in to your Online Services for employers to:

  • Manage your payments
  • Update your details
  • Check your cover schedules and history
     

Log in

And you can download these resources to help manage your account online:


Frequently asked questions

You can share these resources with your employees to help them understand and get the most our of their cover:

We also send your employees a starter pack when they first join and if they’d like more information about their ELC/EAC policy, or how to manage it, they can get in touch with us directly and we’ll be happy to help.

Email: EAC.ELC@bandce.co.uk
Call: 0300 2000 555

You can change your level of cover by filling out the relevant form below and sending it back to us:

Or, if you’re currently only offering ELC and you want to add EAC to your account, please get in touch with us and we’ll be happy to help.

We may pay an ELC benefit if a member dies after a period of continuous incapacity or unemployment, but this doesn’t apply once they’ve reached State Pension age. For example, if a member left work due to unemployment aged 65, but then died 1 year later at the age of 66 (State Pension age) we wouldn’t pay an ELC benefit.

Please read further information in the below guides:

With business costs rising, if you’re struggling with your payments, you could use our deferred payment plan. This allows you to defer your ELC/EAC payments for 3 months.

Visit our deferred payment plan webpage for more information.


How to make a claim if an employee dies

Please get in contact with us as soon as possible to begin the claim. 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 additional evidence if death is preceded by incapacity or unemployment. And there’s no upper age limit for employees, except for death in incapacity or unemployment cover.

Contact us

All you need to know about ELC/EAC

For employees covered by Employee Life Cover (ELC) and/or Employee Accident Cover (EAC).

ELC and EAC are your employer’s way of financially protecting you and your loved ones. These benefits are a helping hand for you or your family 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 cover gives an extra layer of reassurance that we – and your employers – have got your back.  

You’ll need to be over the age of 16, working in construction or allied trades, and resident in the UK or Isle of Man to be eligible for cover.

Cover benefits

  • Financial support for you and your family – with pay outs of up to £40k for accidents and up to £240k for life cover.
  • Broad life cover – for accidental death, suicide, death in incapacity or after a redundancy.
  • Accident cover for a range of accidents – not just at work but also on the way to or from work.
  • Easy to claim – our helpful UK team are on hand ready to guide you through the claims process.

Your employer might choose to offer you combined ELC and EAC or 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’ in the ELC Rules document for more information. 

If you’re unsure which level your employer has chosen for you, please contact them or us.

Your employer can offer our accident cover to you if you’re already covered by ELC.

It’s worth noting, EAC is only available to those who are resident in the UK and Isle of Man.

What injuries qualify for payments?

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

How to get the most out of your cover

Tell us your beneficiaries

Help us to pay the right amount, to the right people at the right time.

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. In the event of an ELC claim, if all is in order, we pay the life cover as a lump sum to your beneficiaries (at the Trustee’s discretion)

Download ELC beneficiary nomination form

Keep your personal details up-to-date

If you want to find out more about your account, or if you want to make sure your personal details are up-to-date so we can keep in touch with you (for example if you’ve moved house), please contact us and we’ll be happy to help.

How to make a claim

Please get in touch with us as soon possible and we’ll support you through the process. As a not-for-profit company, we try to find reasons to pay claims rather than reject them.

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).

Email: bereavementandaccident@bandce.co.uk
Call: 0300 2000 555

Our Charitable Trust

B&CE’s Charitable Trust was set up in 1991 to give back to the construction community.

If you work in the construction industry and you need financial or emotional support, information, guidance and advice, find out more about the support we offer to individuals.

Employee Accident and Life Cover documents and downloads