Employee Benefits

Retirement is waking up in the morning with nothing to do,
and going to bed at night, only having done half of it.  At least, that is the dream.

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What are employee benefits?

It is a form of compensation employers give employees on top of their normal wages or regular salary. It is part of their overall compensation package and could include benefits such as contributing towards your medical insurance, retirement plans or life insurance

The reality of the matter though, is that the salary replacement percentage for most South Africans, are well below the internationally accepted level of 75% of their final working salaries.  This means, that being under-insured, under-pensioned, under-invested, and mostly left to their own financial acumen, as is the case for about 60% of currently working South Africans, will leave one with having far less than 75% of their previous salary in hand to survive.  This is why many responsible employers today are providing the correct base for retirement and insurance planning for their employees.

How we do it at Optimum

Optimum Financial Services provides an A-Z service in this regard, monitoring all information regarding withdrawals, retirements, death and disability claims, overseeing section 14 transfers to and from other schemes, negotiating and conversing with insurers as to claims, quotations and daily enquiries employees might require, and advising employees on a vast array of matters, including, but not limited to investments, employee structuring of tax efficient funds, death, retirement and disability claims.

As a result we can also offer special benefits to groups in the lines of disability; dreaded disease; funeral cover; life cover; pension funds; provident funds; retirement annuities and tax concessions.


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