Maximise Staff Retention Through Tailored Rewards

We’re Optima, an independent Employee Benefits specialist with more than 40 years’ experience advising UK businesses on Group PMI, Group Life, Group Income Protection and other Employee Benefit solutions. In simple terms, we help businesses look after their people properly, without overpaying or ending up with cover that no longer fits their needs.

Yes. Our independent position lets us review the market and recommend solutions based on your business and your people.

Yes. Optima Employee Benefit Consultants Limited is authorised and regulated by the Financial Conduct Authority.

We design, review, implement and manage practical employee benefit programmes for UK employers.

No. We are an independent consultancy focused on long-term client relationships.

Yes. In many cases we can take over servicing an existing arrangement without changing the underlying provider.

Yes. We can review the existing scheme, benchmark it and help improve value and communication.

No. We support organisations ranging from SMEs to multinational employers.

Our core work is with UK employers, including organisations with wider international needs.

We continue to manage the programme, support queries, review performance and prepare for renewal.

A mid-year review helps identify issues early and keeps the scheme aligned with the business.

Yes. An independent audit can identify gaps, risks and value opportunities before any changes are made.

Group Private Medical Insurance helps employees access eligible private medical treatment through an employer-sponsored scheme.

Employer-funded Group PMI is generally treated as a taxable benefit in kind for employees.

A P11D reports certain taxable benefits and expenses provided to an employee.

Group Life normally covers employees under one employer scheme; Relevant Life is an individual employer-funded policy often used where a group scheme is not suitable.

It provides income support for eligible employees who cannot work for an extended period due to illness or injury.

No. Well-designed benefits can be valuable and affordable for businesses of many sizes.

Pricing can change because of claims experience, medical inflation, workforce changes and wider market conditions.

Not always, but every renewal should be assessed carefully and market testing used when it can improve value.

Yes. Relevant, well-communicated benefits can strengthen an employer’s overall value proposition.

Not necessarily. We start with what your people and business actually need.

No. We manage the process and keep the administration as clear and efficient as possible.

We plan ahead so renewal decisions are informed and never rushed.

You can, but a review helps confirm the current arrangement is still competitive and fit for purpose.

If your question is not covered here, get in touch and we’ll be happy to help.