Why it matters
Charities rarely win on salary, so benefits and care are how you compete for good people. A well-chosen, affordable benefits package signals you look after your team — and helps you keep them.
Financial guidance
Group protection & employee benefits for charities
Good people join charities for the mission, but stay for feeling looked after. This guide explains group benefits — death-in-service, group income protection and health cover — and how they work for charities.
The short answer
Group benefits — death-in-service, group income protection and health cover — help charities attract and keep good staff without matching corporate salaries. A regulated adviser designs a package that fits a charity budget and genuinely supports your team.
The basics
In plain English
- Death-in-service (group life) cover
- Group income protection
- Employee assistance and health benefits
- Benefit packages costed for a charity budget
- Advice on what your team will actually value
How to get regulated advice
If and when you want it
- 1Understand the basics
This page explains, in plain English, what this area involves — so you know the questions worth asking.
- 2Find an authorised adviser
Regulated advice can only come from an FCA-authorised firm. You can search the FCA register, or ask us for an introduction to Equity & General, the firm we have an introducer agreement with.
- 3No obligation
Any introduction is optional and free. If you go on to take advice, the adviser explains any fees before anything goes ahead.
Common questions
Straight answers
Can a charity afford group benefits?
Often yes — group schemes are cheaper per person than individual cover, and a regulated adviser can design a package around your budget. Advisers who specialise in the sector can help get value for organisations like yours.
What is death-in-service cover?
A benefit that pays a lump sum (often a multiple of salary) to an employee's family if they die while employed. It's valued highly and usually affordable as a group scheme.
Do benefits help us keep staff?
They're one of the strongest non-salary levers a charity has. Feeling protected and cared for is a real reason people stay. A regulated adviser can help you build the right package.
General information only. This page explains a topic in general terms. It is not advice, a personal recommendation or a financial promotion, and it does not invite or encourage you to buy any product or service. Everyone's circumstances are different.
Regulated financial advice can only be given by a firm authorised by the Financial Conduct Authority — you can find one on the FCA register (register.fca.org.uk). Buzz Accounting is not authorised to give regulated financial advice. We have an introducer agreement with Equity & General (E&G), authorised and regulated by the FCA (No. 474163); if you would like, we can introduce you — that is entirely optional and there is no obligation.
The value of investments and any income from them can fall as well as rise, and you may get back less than you invested. Your home may be repossessed if you do not keep up repayments on a mortgage. Tax treatment depends on your individual circumstances and may change. Will-writing, trusts and some estate-planning services are not regulated by the Financial Conduct Authority.
