Healthcare trusts: making calls on cover

"Intermediaries have a role in advising how to set up the trust, the rules and benefits but also provide professional advice around having certain benefits in place, the possible effect of any caps, and how those may best be communicated in a positive way," he says. "The consultant can advise on the process and clear communications."

Another good call is to employ an effective third party administrator to administer scheme caps.

"They will know at an early stage whether the cap is going to be breached and so then ensure the employee can be managed into the NHS," adds Saunders.

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