Many thanks for the excellent service you have provided for me over the last 4 months. My payments have all come regularly without problems.
Ken
Expanded Benefits
We're fully compliant with HMRC rules and regulations. For construction workers we are operating under HMRC’s "Gross Status" CIS which replaced the old CIS5 card.
We have Gross Status with HMRC and even appear on their site as one of their Recognised online CIS submission services. You can take a look here. Gross Status means that when paying us, companies can pay us just gross with no deductions saving them both time and money.
Through the umbrella company option we retain up to £22 per week of the income we invoice the agency or company for (which translates to maybe as little as £11.51 being dedcuted from your take home pay), we call this our margin. The only cost to you is our accident insurance which is £2.50 a week.
The £22 is tax deductable, and when you've taken off the tax it could drop as low as just an £11.51 cost to you. If the total of your wage before tax is between £100 and £220 the margin will be just 10% of the amount invoiced.
No extra or hidden charges, no joining or leaving fees, no fees for expenses, and unlike most of our competitors no additional charges for same day payment.
We aim to cover all the services you would expect from an umbrella company, and a few you wouldn't, all within our weekly margin of £22.
All payments are made by same day transfer so they will be ready in your account each Friday by the end of the day.
We use the same day faster payment service. Some of our competitors charge as much as £25 for this service, but we include it for no extra cost. It means that payment will leave our account and reach your account the same day, although it is dependent on your bank as to what time that payment is applied. All our payments are sent before the usual 3:30pm deadline every week.
You're fully covered by our insurances: Professional Indemnity, Public & Product and Employers Liability. They are all covered at no extra charge.
In almost every work circumstance the insurance cover you need to enable you to perform your duties will include public and employers liability in the event that something goes wrong. Some professions where you operate under your own professional qualification (for example engineering, accountancy) you will need professional indemnity cover. As an employee of a Gabem Umbrella Company you are automatically provided with comprehensive insurance cover. Please note that architects and surveyors will need to source their own personal professional indemnity insurance through the RICS.
We’re not affiliated with any agencies or unions so we’re distraction free and can concentrate on getting you paid when you need it
So if you choose to change agency or if you work through two agencies during the week there is no change to you, you will always be paid on time. If you want to make Union contributions you must make your own arrangements (links to some unions are available here).
Gabem's Umbrella Companies are as safe, tax efficient, and compliant with current legislation, helping you maximise your take home every week.
Since the managed service company legislation of 2007 we believe that our Umbrella Companies are the safe way of getting you paid.
You can access your records online day or night, even down to being able to print off your own payslips.
Our members section gives you the ability to submit your hours, or manage your membership with us. You will be able to requestpay, view payslips, or make use of the Gabem Reserve Scheme all at any time of day or night.
They like the employee benefits available to them, such as SSP, holiday pay, and the Gabem reserve scheme.
In the UK, every worker who has employee status is entitled to receive statutory Sick Pay for the times you cannot work through illness, and accrued Holiday Pay. When you join Gabem, you become an employee of one of our Umbrella companies, automatically receiving these benefits. If you are unwell, and your GP has signed you off, we will need to see the doctors certificate to make SSP payment to you. If you have an accident, the Personal Accident Insurance cover you have with Gabem will provide some earnings whilst you are unable to work.
They enjoy the security that our back up systems and disaster recovery site provide, something we believe makes Gabem unique.
We don't know of another company in our field that has a site prepared and waiting in case the worst happens. All our data is backed up to our other site live and we can be back working as usual in as little as 30 minutes.
Pensions - we've put in place a pension scheme to allow you to better plan for your future and take advantage of the the tax and NI breaks on the payments into it.
The pension scheme is open to all everyone who is working through a Gabem Umbrella Company and it will allow you to take advantage of National Insurance (NI) savings for employer pension contributions. You will have your own personal account which will be set up in your name and will belong to you. For more information just call our customer services department on 01798 861 100 or you can contact us here.
Accident Insurance - we've negotiated a comprehensive easy to follow policy including generous death in service cover to give you peace of mind.
The insurance we offer costs just £2.50 a week, and covers you whilst you are at work, for a further £1.25 you can opt for the 24 hour accident insurance and be covered all day every day.
Our Back up site - for that added sense of security Gabem maintain a second, back up site so that in the case of events outside our control we can keep your payroll running uninterrupted.
We have a second office ready and waiting in case of disaster. It is fully equipped and even has it's own generator in case of a blackout. If the worst happens we can be up and running within an hour.
Gabem Reserve Scheme - a service allowing you the option of reserving a portion of your wage for either a rainy day or special occasion. We will pay it the same day at your request.
The Reserve scheme is a way of saving net pay, by requesting that we put hold a set amount of your net income each time you are paid. You can draw on any monies you have asked us to hold onto for you at any stage, simply by contacting us and asking for it. As with the rest of the Gabem service, there is no extra charge for using the Gabem Reserve scheme.
Members Section - giving you control and access to your account online any time of day or night.
One of the most popular things about Gabem's umbrella company option, it's easy to join and allows you greater freedom over how you contact us and submit your hours.
Gabem Quality Promise - we operate under a strict quality promise to make sure that you get the best in the market.
With ten years experience in handling payroll services for contractors, we have had plenty of time to speak to our members and think about what service levels the contractors will want. From how quickly we deal with your requests, to the best ways to contact us, the list is comprehensive.
As always, if you have something you wish to discuss in person, please call our customer services department on 01798 861 100.