Your guide to BP’s flexible benefits planwelcome.bp.com/offers/ukdocs/BP-DC-Flex-eGuide-13-V6.0.pdf · to BP’s flexible benefits plan. 2 your benefits, your way DC fiex e-guide

your benefits, your way DC flex e-guide 2013 Correct as at 1 May 2013

For eligible UK employees

discoveryour benefits, your way

Your guide to BP’s flexible benefits plan


Contents5 reasons to choose your benefits, your way 3

Your benefits, at a glance 4

How your benefits, your way works 5

Core and flexible benefits 6

- Your savings and security 6-7

- Your health and wellbeing 7-9

- Your lifestyle 9

Voluntary benefits 10

Choosing your benefits, your way 11-12

Important information 13

- What happens if you do nothing 13

- Private medical insurance tax implications 13

- Life events 13

- For those on, going, or returning from International Assignment 13

Enrolment timeline 14

Additional help and information 15

Through your benefits, your way, using your flex allowance and salary, you can design a flexible benefits package specific to you. At the same time, you could make valuable income tax and National Insurance savings.

This guide gives you helpful information about the benefits on offer, how they work and how to make your benefit choices.

• If you’re new to your benefits, your way start your journey here.

• If you’re an existing member, use this guide to remind you of the benefits on offer and how to review and make your choices.

Annual enrolment opens in November and you have three weeks to choose your benefits for the next year. Your benefits and revised salary will come into effect from 1 January and stay in place until 31 December.

If you’re a new joiner to BP, we will send you an enrolment invitation shortly after you join telling you how to choose your benefits and when your choices will come into effect.

your benefits, your wayWelcome to

your benefits, your way DC flex e-guide 2013 3

to choose your benefits, your way

1. It’s your choice

your benefits, your way gives you the flexibility to tailor a benefits package to suit your individual needs.

2. You can save money

Through your benefits, your way you could make valuable income tax and National Insurance savings.

3. Quality products at your fingertips

Using BP’s purchasing power, you can access goods and services at competitive prices compared to what’s available on the high street.

4. It’s all in one place

Deciding what benefits to choose couldn’t be easier; it’s all in one place. Once you’ve logged in to the your benefits, your way website, you will have access to all the information you need to make your choices. If you can’t find what you’re looking for, you can call the your benefits, your way helpline on: 0800 916 8013 Monday to Friday, 09.00 to 17.00 (UK time) (or +44 1737 227513 if calling from overseas).

5. We value what’s important to our employees

We are always reviewing what’s on offer and making improvements to ensure you get the best benefits and experience. A part of that is making it easy for you to access the information you need during enrolment. Everything you need to make your benefit choices can be found on the your benefits, your way website.

Did you know…?

You can see how your take-home pay could be affected when choosing certain benefits by using the simple, online net pay modeller. Find out more

on page 13.

If you have a life event during the year you may be able to change your

benefits. See page 14 for more information.

5 reasons

If you do nothing…

If you’re enrolling at annual enrolment, any benefits that you chose last time will remain at the

same cover levels (with some exceptions). As a new joiner, you will receive your core benefits,

including Private medical insurance. See page 14.


Your benefits package is made up of three elements:1. Core benefits are those you get automatically and form

the ‘backbone’ of your overall benefits package, paid for

by BP. You’ll also get a flex allowance of 15% of your

base pay.

2. Flexible benefits are additional benefits you can take

advantage of by using your flex allowance and salary.

3. Voluntary benefits give you access to a wide range of

discounted goods and services which you can choose to

make use of all year round, along with charitable giving

opportunities and more.

Because everyone is different, flexible benefits allow you to

choose between the benefits you need and those you don’t.

You can extend some of your core benefits or add additional

benefits, and these can change with you during your time

with BP, ensuring that you always have what’s right for you.

For core and flexible benefits, when you first join

your benefits, your way, you’re able to choose from the

initial levels of available cover. However, in subsequent

enrolments and for life events, there may be limits on how

much you can increase cover by and how frequently you can

take advantage of some benefits. Details of these limitations

are covered in the benefits section on pages 6 to 10.

Voluntary benefits are available all year round. You can access

these on the your benefits, your way website or directly by

visiting: www.bp.com/voluntarybenefits

See page 11 for more information on voluntary benefits.

Core benefits• Flex allowance

• Income protection

• Life assurance

• Health screening

• Private medical insurance

• Wellness checkpoint

Flexible benefits

• Retirement

• Spouse/partner life assurance

• Critical illness insurance

• Dental insurance

• Personal accident insurance

• Childcare vouchers

• Cycle to work

• Personal travel insurance

Voluntary benefits

• Employee Charitable giving and company matching programs – you give and the company matches

• The Employee car plan

• Discounted reloadable gift cards

• Discounts on products and services, including:

• BP regular or Ultimate Petrol and Diesel

• Ford car purchase discount

• Ford and Volvo car lease scheme

• Electronics, clothes, shoes and jewellery

• Books, entertainment, sports and fitness

• Food, drink and eating out

• Insurances, including home, motor, pet and marine

at a glance Your benefits,


There are three types of benefits: core benefits that you get automatically, and flexible and voluntary benefits that let you choose benefits to meet your needs.

your benefits, your way

You use your flex allowance and salary to choose different

levels of cover or options for you and, in some cases, your

spouse or partner and children.

The diagram below shows how your salary, core benefits,

flex allowance and other allowances (such as London

Weighting etc, if applicable) before taking advantage of

flexible benefits is broadly similar in value to the combination

of flexible benefits, salary, flex allowance and other

allowances after making your choices. It’s just the mix that

changes, depending on how you’ve chosen to use some of

your salary and allowances on flexible benefits.

Remember that while the overall value is the same, you

actually benefit from lower income tax and/or National

Insurance on some of the benefits when compared with

just receiving a salary.

What’s more, to avoid any unintended effect of choosing

your flexible benefits, we keep your salary used to calculate

bonuses and Life assurance cover the same. This is known

as your notional salary.

Howworks

For illustrative purposes only

Salary used to calculate bonus and Life assurance cover stays at this level – known as notional salary

Give up salary to receive even more benefits

Some benefits are not subject to tax and/or NI deductions

Before choosing flexible benefits

Core benefit package

Allowances (including 15% flex allowance)

Salary

If you decide to increase your benefits package

using your 15% flex allowance


Allowances (and remaining flex allowance)

Your flexible benefits & pension contribution

Pay (received monthly)

If you decide to increase your benefits package

beyond your 15% flex allowance


Allowances (0% flex allowance)

Your flexible benefits & pension contribution

Pay (received monthly)


On the following pages you will find an overview of the benefits available for the 2013 plan year. You will see at a glance if you can make National Insurance or income tax savings. More detailed information on each benefit can be found on the your benefits, your way website.

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Life assurance • Provides a tax-free lump sum to your nominated beneficiary/ies in the event of your death.

• The core level of cover is four times your notional salary.

• Initially you can choose cover up to 14 times your notional salary, subject to a maximum of £1.8 million, without providing evidence of health, or trade down to two times your notional salary. You will need to be underwritten for any cover in excess of £1.8 million. However, if you are aged 70 or above, the maximum option available to you is four times your notional salary.

• You can only increase cover by one times your notional salary at each subsequent annual enrolment and/or life event, with a maximum of two times your notional salary in one plan year.

• Provided by Unum.

Key You save National Insurance on the cost of this benefit

You save income tax on the cost of this benefit

Core benefit

Retirement *

**

• You’re eligible to participate in the Defined Contribution 2010 Pension Plan (DC2010 plan), provided by AEGON as a Group Personal Pension Plan. The DC2010 plan meets the Government Auto Enrolment requirements as a qualifying workplace pension scheme subject to the making of a sufficient contribution.

• You can change the percentage of salary that will be paid into the DC2010 plan (from 0% to 100% of your salary). Please read the additional DC2010 plan information on the your benefits, your way website for more information.

• You can choose where to invest the contributions, from a range of investment funds, when you first join the Plan and subsequently using the AEGON website: http://pension.aegon.co.uk/bp

• If you are an expatriate, you cannot join the DC2010 plan, but are eligible to join the BP Global Pension Trust.

* If pension contributions are made by salary sacrifice you will save on National Insurance.

** Subject to Annual and Lifetime allowances

Core andflexible benefits


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Your health and wellbeing

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Income protection • Provides a regular income if you are absent from work due to illness or injury

for at least 26 weeks.

• It will pay 50% of salary for up to five years, or earlier if you recover and return to work, you cease employment with BP or you reach age 70.

• Initially you can choose an increased protection level of 60%, 70% or 80% of notional salary.

• You can only increase cover by one step of 10% at each subsequent annual enrolment and/or life event, with a maximum of two steps in one plan year.


Spouse/partner life assurance • Provides a tax-free lump sum if your spouse/partner dies.

• A range of cover levels are available from £25,000 to £150,000.

• Cover is available without underwriting, provided you can satisfy a short online questionnaire.

• At subsequent enrolments, cover can be increased by one step only, e.g. from £50,000 to £75,000. You would need to satisfy a short online questionnaire.

• Due to insurer limits, cover is not available if your spouse/partner also works for BP.

• If you don’t make a choice during enrolment, cover will automatically default to your previous year’s choice.


Wellness checkpoint • A free, confidential online self-assessment that provides a tailored personal profile.

• It suggests appropriate lifestyle changes according to the information you provide about your health.

• It’s available all year to help you monitor and manage your health and provides individual advice on maintaining and improving your health.

• It complements Health screening and Private medical insurance.

Critical illness insurance • Provides a tax-free lump sum if you’re diagnosed with a specified serious illness

or permanent disability, including cancer.

• You can initially choose up to £250,000 or four times your salary if less.

• You can only increase cover by one step of £25,000 at each subsequent annual enrolment and/or life event.

• Spouse/partner cover is available up to £100,000 (or your level if less), but you must cover yourself first.

• Children aged six months to age 18 (or up to 21 if in full-time education) are automatically covered up to a quarter of your cover or £20,000 if less, at no charge.

• Pre-existing and related condition exclusions apply and cover cannot be offered for certain illnesses.

• If you don’t make a choice during enrolment, cover will automatically default to your previous year’s choice.



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Dental insurance • Insurance that helps cover the cost of dental treatment, whether provided as a private

or NHS patient.• Covers you for treatment at your current dentist, and pre-existing dental conditions are covered. • Emergency treatment is covered when you’re abroad.• Cosmetic treatment is not covered.• Spouse/partner or family cover is also available at the level you have chosen for yourself.• You can choose from four levels of reimbursement for specified treatment, up to defined limits:

• NHS level, provides 100% NHS reimbursement• Level 1, contributing towards low levels of private dental treatment charges• Level 2, contributing towards typical mid-range private treatment charges• Level 3, contributing a higher amount of reimbursement than Level 2 and a higher

percentage of private charges.• Children, pregnant women and women with children under one year old currently receive free

NHS dental treatment. If this applies to you and you opt out of the plan, your partner’s cover will also lapse.

• If you don’t make a choice at enrolment, cover will automatically default to your previous year’s choice. Please note that Level 3 cover provides the same level of cover as Level 2+ cover in previous years. If you had previously selected Level 2+ cover this will default to Level 3 cover.

• Provided by Bupa.

Health screening You Spouse/partner

• A face-to-face Health screening paid for by BP that can be taken once every three years.• The type of Health screening available to you depends on your age and grade.• It is designed to evaluate your current state of health and provide advice on maintaining

and improving a healthy lifestyle.• It includes a face-to-face consultation with a healthcare professional and various tests.• Depending on your age and grade, you may also have the option to enhance the level

of Health screening.• You can choose this benefit for your spouse/partner at a cost, but only during the annual

enrolment period.• Your spouse/partner must take their Health screening before the end of the plan year.• Provided by Bupa.

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Private medical insurance • Personal private healthcare paid for by BP. You only pay an income tax charge. See page

14 or the your benefits, your way website for the latest charges for your tax bracket.• Provides fast access to the diagnosis and treatment of an illness. No history is taken into

account if you join at your first opportunity.• This benefit covers the cost of inpatient treatment for acute conditions, and up to £1,000

of outpatient costs. • You will need to pay an excess of £100 in the event of your initial claim each plan year. • It supports medical issues discovered as part of the online Wellness checkpoint and

Health screening.• You can cover other members of your direct family, i.e. spouse/partner/children at the first

opportunity without any pre-existing conditions being excluded. However, BP reserves the right to apply medical underwriting and, potentially, exclude any pre-existing medical conditions for any new adult or child dependant on joining in the future.

• You can also increase cover to include a full refund for any outpatient cover.• In the event you require treatment Bupa will provide you with a choice of consultants and

facilities most appropriate to you at a convenient location.• Provided by Bupa.

Personal accident insurance • Provides a tax-free lump sum in the event of accidental death or a range of permanent

injuries and disabilities, including loss of limbs.

• You can choose cover for yourself in increments of £25,000 units up to a maximum of 20 units, i.e. a maximum of £500,000.

• Spouse/partner cover of up to £500,000 (or your level of cover) is also available.

• Children aged 19 and under are covered up to £25,000 at no additional charge.

• The level of family cover you choose cannot exceed your own level of cover.

• Provided by Crispin Speers & Partners Ltd. Insurance is underwritten at Lloyd’s of London.

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Your lifestyleChildcare vouchers • A tax-efficient way to pay for childcare.

• Vouchers can be used to pay for registered/approved childcare providers and can be used to help for the payment of registered after school care and holiday clubs.

• You can use your vouchers to pay your registered child carer up to the September following your child’s 15th birthday (16th birthday if your child has a disability).

• Vouchers can only be used for your own child or a child living with you for whom you have parental responsibility.

• Vouchers up to a certain amount are tax-free (see the your benefits, your way website for information on the current HMRC limits).

• By choosing this benefit, you will be making a commitment to receive your chosen Childcare vouchers until the next enrolment period.

• You can manage your for Childcare vouchers through the Allsave app for Android and iPhone.


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Cycle to work • A tax-efficient way to hire a bike for 12 months through a Government scheme.• You choose the certificate amount between £200 and £1,000 in £50 increments.• Bikes will be obtained through a Cyclescheme partner store. To choose the right certificate

amount you are encouraged to visit a store and get a quote for the bike and associated safety-related accessories you would like.

• You will need to complete a Hire Agreement form to take up this benefit.• By choosing this benefit, you agree to join the Cycle to work scheme for a 12-month period.• At the end of the 12 months, you may be given the opportunity to purchase the cycle and

safety-related accessories.

• Provided by Cyclescheme.

Personal travel insurance • Provides year-round cover, at a discounted rate, for a range of specified losses that may occur

while travelling on holiday.

• Options from Worldwide or European cover, and include or exclude winter sports. Once your cover level has been chosen it can’t be changed until the next annual enrolment.

• You can choose cover for you, or you and your spouse/partner, child/children or family.

• Independent family coverage (i.e. family members travelling separately from you) is included.

• Cover is provided for leisure travel in the UK as long as the trip involves a flight or at least one night away from your home in pre-booked accommodation.

• For new hires during 2012 whose own external policy expires during 2013, you have a one year life event opportunity to join mid-term when your existing policy comes to an end. If this is the case for you, please request a life event (within 60 days of your existing policy expiry) to enrol mid-year.

• For existing employees, if you wish to be covered under the BP arrangement for 2013, you will need to select the appropriate level of cover for you and/or your spouse/partner and/or your children during annual enrolment and deal with the overlap in coverage with your own existing policy yourself.

• Provided by Sutton Winson. Insurance is underwritten at Lloyd’s of London.


In addition to your core benefits and the benefits available through your benefits, your way, you have access to a wide range of voluntary benefits which you pay for yourself. These can be accessed all year round, when the time is right for you.

benefitsVoluntary

Charitable givingGiving back is important to BP, and we know it’s important to many of our employees. We value your energy, enthusiasm and time working with schools, charitable organisations and community groups, and want to reward these efforts.

The BP Foundation supports worldwide humanitarian aid, as well as activities in the community. BP will match your time, effort and gifts through grants of up to $5,000 per employee, per year. And it’s easy to donate to your favourite UK charity with Give As You Earn (GAYE), a program that lets you contribute, before income tax, directly from your salary.

In the UK alone, the amount contributed by employees and matched by BP in 2011 totalled $4.7 million. Thank you for your continued generosity.

BP Foundation Employee Matching Program website: employeematchingfind.bpweb.bp.com

Employee car planThe BP Employee car plan, provided by Zenith, offers you exclusive discounts with leading car manufacturers and features:

• Monthly repayments include all necessary servicing, tyres, MOT and road fund licence renewal (road tax).

• Comprehensive insurance and break down coverage

• The choice of duration of contract and annual mileage that are right for you.

Discounts and savingsWith BP’s retail savings and discounted reliable gift cards, provided by Next Jump, you can make savings on a variety of everyday purchases. You can even invite friends and family to enjoy the savings.

Here are just some of the offers you have access to through the Next Jump website:

• The BP Staff Fuel Card – saving you money on BP regular petrol or diesel, BP Ultimate petrol or diesel, and car washes.

• A choice of the Ford car purchase discount or the Ford and Volvo car lease scheme.

• Hundreds of everyday savings – including food, wine, flowers, gifts, insurance, fashion and jewellery, electronics and gadgets, home and garden, travel and more!

Join over 5,400 BP employees who have already registered and start saving today by accessing…

Voluntary benefits website: www.bp.com/voluntarybenefits

Want access to professional advice and support?

The Employee Assistance Program (EAP) provides information and advice on a range of services including:

• Legal information

• Financial information

• Debt counselling

• Specialist information i.e. finding a suitable childcare provider

… as well as a confidential telephone and face-to-face counselling and referral service free of charge.

The EAP is available 24 hours a day, seven days a week and is staffed by professionals. Learn more at www.ppconline.info (username: BP, password: energy) or call +44 (0)808 100 2051.


Step 1 – Check details, and enter dependants’ detailsClick on the ‘Your benefit choices’ tab and

select ‘Make benefit choices’ to check your

own and your dependants’ details held on the

your benefits, your way website. To update

your dependants’ details, use the table at the

bottom of the page. Your dependants’ details

need to be up to date if you wish to choose

any benefits for your spouse/partner/child(ren).

If your address, name or date of birth details are

not correct, call the your benefits, your way

helpline (see page 16).

To check your personal details for your benefits, your way at any time, click on the

‘Your details’ tab and select ‘View personal

details’ at the top of the screen.

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Choosing your benefits, your way

Log in to your benefits, your way www.bp.com/yourbenefits

You can choose your benefits from home

or work, at any time of the day or night.

You will need to log in with your BP user

ID and password.

From the homepage, select ‘Make benefit

choices’ from the ‘Your benefit choices’ tab

at the top of the screen or by selecting ‘Make

2013 choices’ from the orange box in the centre

of the screen. You’re then ready to make your

choices by following four easy steps.

Your step-by-step guide


Step 4 – Confirmation statement Once you’ve submitted your choices, you can save a confirmation statement

confirming your benefits for the plan year ahead.

After enrolment closes, you will be able to log in and download a PDF version of

your 2013 confirmation statement (as well as prior annual enrolment statements) by

selecting ‘Your benefit choices’ from the top menu, then ‘View benefit choices’ in the

drop-down menu. Click the yellow ‘view’ button next to the appropriate enrolment then

‘print’ at the top right of the screen to produce a PDF which you can save.

After making your choices, payroll will make any necessary deductions from your pay. Your payslip will show a breakdown of the benefits you have chosen and the actual costs.

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Step 3 – SubmitMake sure that you click ‘Submit benefits’ to finalise your

benefit choices.

And take the time to read and accept any Terms and Conditions

and complete any required forms, e.g. the Cycle to work Hire

Agreement form, and then click ‘Submit benefits’ before the

enrolment period closes.

If you don’t ‘Submit benefits’, the choices you have made will not take effect. Please see ‘What happens if you do nothing?’ on page 14 for more details.

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Not got access to a computer? You can choose your benefits over the phone. Call the your benefits, your way

helpline on: 0800 916 8013 Monday to Friday, 09.00 to 17.00 (UK time) (or +44 1737 227513 if calling from overseas).

Step 2 – Choose benefitsOnce you’ve checked and updated your details, click on the ‘Continue

to Step 2: Choose benefits’ button at the bottom of the screen.

On your enrolment screen, you will see a list of the benefits available

to you. To get more information to help you decide what to choose,

click on the ‘View/Change’ button for that benefit. The ‘Your choices’

tab under each benefit shows you each option and the cost. Use

the other tabs to get more information: Your choices, Benefit details,

Q&As, Making a claim and Who to contact.

As you choose each benefit, you will see how much flex allowance

and salary you’re giving up. You can also use the net pay modeller

to see how your take-home pay would be affected by choosing

certain benefits.

You have the option to save your benefit choices, so you can come back and continue at a later date. However, you will need

to complete the process through to submit and confirm your final choices before the enrolment period closes. If you’re happy

with your choices and want to submit them, click on the ‘Continue to Step 3: Submit’ button at the bottom of the page.


What happens if you do nothing?At your first enrolment, if you do nothing, you will only receive

your core benefits, including Private medical insurance, which

requires you to pay the income tax on the cost of the benefit.

You will also get a flex allowance of 15% of your base pay; 5%

(i.e. one third) of your flex allowance will be automatically paid in

to the DC2010 plan and the balance will be paid to you as salary.

At subsequent enrolments, if you do nothing you will

continue to receive the benefits and levels of cover you

chose from the last enrolment (with some exceptions).

In particular, if you currently contribute less than the 5%

default rate to the DC2010 plan, your contribution will be

reset to 5%. To continue at the lower amount, you will

need to submit it again at annual enrolment, following the

onscreen instructions. This lower amount could mean that

you’re not making sufficient contributions in to the plan to

meet the Government Auto Enrolment requirements. Please

see the your benefits, your way website for more details.

You may not want to make any changes, however you are

encouraged to check your details, and those of your spouse/

partner, children or dependants are recorded correctly. And

then to go through the four-step process and submit your

benefits to ensure that they continue to reflect your needs.

Private medical insurance tax implicationsThe tax you pay is very low, especially compared to the cost of

buying Private medical insurance yourself or paying for private

treatment! However, due to increases in medical treatment

costs and overall total claims by BP employees, the single

core cover cost to BP has now gone up by 4.4% to £528.60.

HMRC requires that employees pay for the taxable element

of this cover, based on their income tax rate. For the 2013

calendar year a 50% tax payer would incur an annual cost of

£264.30 (reducing from April 2013 to 45% with a full year cost

of £237.87), a 40% tax payer would incur a cost of £211.44 and

the cost to a 20% tax payer would be £105.72.

Tax is collected through payroll.

These amounts are subject to change by HMRC, so

please see the your benefits, your way website for the

latest amounts.

Life eventsThese are certain times in your life when something important

happens, like getting married, having a child or moving from

full to part-time employment.

When these events occur, you may be able to change some

of your benefits. Details of how and what you can change are

given on the website.

You can then contact the your benefits, your way helpline

within 60 days of the event if you wish to consider making

a change when you experience a life event (see page 16 for

their contact details).

For those on, going, or returning from International Assignment (including International Rotators)UK employees who are on an International Assignment

(including International Rotators) will be eligible to participate in

your benefits, your way. However, some benefits will not be

applicable or required until repatriation to the UK.

Some income tax and National Insurance savings

explained in this guide cannot be offered for those paid

on overseas payrolls.

Non-UK employees on assignment to the UK are not eligible

for your benefits, your way as they remain in their home

country benefit plans.

For more information, please read the ‘Expatriate and

International Rotator supplement’ on the your benefits, your way website or contact your HR IM Adviser.

informationImportant


Annual enrolment opens in November and you have three weeks to choose your benefits for the following year. Your benefits and revised salary will come in to effect from 1 January and stay in place until 31 December. If you’re a new joiner to BP, we will send you an enrolment invitation shortly after you join telling you how to choose your benefits and when your choices will come into effect.

Activity Existing employee

New joiner

Enrolment leafletOutlines how to access the your benefits, your way website and gives you a summary of the benefits available, along with any changes. Look out for your leaflet at your home address inviting you to enrol just before enrolment opens.

November Sent within the first couple of weeks of joining BP.

EnrolmentNow is the time to go online and make your choices.

Three weeks:

November to

December

Your enrolment leaflet will tell you when you need to make your choices.

Confirmation statementConfirms your benefits that will take effect from 1 January; log in and save a PDF version of your confirmation statement. And for Expatriates, now’s the time to update your Home Mandate.

After annual

enrolment closes

After your enrolment window closes.

Your benefit choices go live 1 January From the 1st of the month after you submit your choices.

timelineEnrolment


and informationAdditional help

How to make a claimIf you need to make a claim on any of your insurance

benefits, please visit the your benefits, your way website.

Information on how to make a claim is detailed on the

‘Benefit information’ pages for each benefit. You can

download the relevant claim form from the ‘Forms’ tab

at the top of the page, or visit the ‘Forms library’.

your benefits, your way helplineThe your benefits, your way website provides

comprehensive information on the benefits available. If you

still have a question about your benefits, your way, contact

the dedicated helpline on: 0800 916 8013 Monday to Friday,

09.00 to 17.00 (UK time) (or +44 1737 227513 if calling from

overseas) or your local HR representative.

Independent financial adviceIf you would like financial advice or are unsure about

participating in salary sacrifice, you should speak to an

Independent Financial Adviser (IFA). You can find an IFA

in your area by visiting the IFA Promotions website at

www.unbiased.co.uk.

Tax credit helplineFor more information about whether salary sacrifice

would affect your tax credits, please call: 0845 300 3900

(or +44 289 053 8192 if you are calling from overseas).

State pension advice helplineVisit www.thepensionservice.gov.uk for more information,

or you can call The Pension Service on: 0845 60 60 265

(or +44 191 218 7777 if you are calling from overseas).

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Got a question? Take a look at our ‘Frequent questions’ section.

Supplement for UK employees who are on an International Assignment (including International Rotators).

Quick links to the pension website and Employee car plan.

Don’t forget that you can make the most of voluntary benefits all year round!

Catch up on the latest news and developments to your benefits, your way.

Instant access to claim forms and application forms.

Full details of all the benefits can be found here. If you need further information, contact the your benefits, your way helpline.

Get access to other benefits, such as Charitable giving, the EAP, Share plans, etc.

your benefits, your way DC flex e-guide 2013

If you still have a question about your benefits, your way, please call 0800 916 8013, Monday to Friday, 09.00 to 17.00 (UK time)

If calling from overseas, please call +44 1737 227513

Don’t miss out

The details provided in this summary are only an overview. Full details and Terms and Conditions are provided on the website. Certain benefits are subject to income tax and National Insurance and are subject to the prevailing legislation at any time. BP reserves the right to change/amend the benefits and providers from time to time.

Correct as at 1 May 2013

Documents

Your guide to BP’s flexible benefits planwelcome.bp.com/offers/ukdocs/BP-DC-Flex-eGuide-13-V6.0.pdf · to BP’s flexible benefits plan. 2 your benefits, your way DC fiex e-guide