Financial Resilience & Protection

The cost of living isn’t a crisis anymore – it’s an everyday reality. It’s evident in the price of bread that suddenly increased by 50p almost overnight. It’s evident in the multi pack of diet Coke that was £3.50 a short time ago but is now £5. Or in the price of fuel that fluctuates wildly from one week to the next. It’s evident in the huge numbers of people who are struggling to afford the basics. It’s evident in the numbers of people relying on food banks or sleeping rough.

Nearly one in four employees worries about money every single day. Not occasionally. Not just when a big bill lands. Every. Single. Day. 

Employee sick leave is more than just lost hours on a timesheet. When staff are absent, the ripple effects reach across the business – delayed projects, increased workloads for colleagues, and sometimes even a drop in service quality. While occasional illness is unavoidable, frequent or prolonged absences can carry hidden costs that affect both performance and profit.