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["Parameters & Calculations"]
[]
["Max Benefit",10000,null,null,"Max BFS Income",{"$f":"ROUNDDOWN(MIN(((MIN(Upper_RR_Band,Salary_Ann)*Lower_RR+MAX(0,Salary_Ann-Upper_RR_Band)*Upper_RR))/12,Max_Benefit),2)","v":325}]
[]
["Income Band","Rep. Ratio",null,null,"Annual Salary Gross",{"$f":"Salary_Mon*12","v":6000}]
[0,0.65,null,null,"Allowance",{"$f":"MAX(0,B12-MAX(0,F6-B17)/2)","v":12570}]
[60000,0.5,null,null,"Income Tax",{"$f":"(MIN(MAX(F6-F7,0),B13-B12)*C13)\n+(MIN(MAX(F6-F7-B13+B12,0),B14-B13+B12)*C14)\n+(MAX(F6-F7-B14,0)*C15)","v":0}]
[null,null,null,null,"NI",{"$f":"(MIN(MAX(F6-B12,0),B13-B12)*B19)\n+(MAX(F6-B13,0)*B20)","v":0}]
[null,null,null,null,"Annual Salary Net",{"$f":"Salary_Ann-F8-F9","v":6000}]
[null,"Upper Band","Tax Rate",null,"Monthly Salary Net",{"$f":"F10/12","v":500}]
["Personal Allowance",12570,0]
["Basic Rate",50270,0.2,null,null,"Salary","BFS Benefits","Sick Pay + BFS Benefit"]
["Higher Rate",125140,0.4,null,"Full Pay",{"$f":"F11","v":500},0,{"$f":"F14+G14","v":500}]
["Additional Rate","-",0.45,null,"Half Pay",{"$f":"F14/2","v":250},{"$f":"Max_Income_BFS/2","v":162.5},{"$f":"F15+G15","v":412.5}]
[null,null,null,null,"No Pay",0,{"$f":"Max_Income_BFS","v":325},325]
["Lose Allowance from",100000]
[]
["NI Rate High",0.08]
["NI Rate Low",0.02]

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[null,"Sick Pay Protection made simple\nThis calculator is designed for teachers and eligible NHS professionals including dentists, doctors, midwives, nurses, and surgeons, whose employer sick pay changes over time. Rather than needing separate policies or constant updates as their sick pay changes, Sick Pay Protection automatically adjusts to stay in line with your client's arrangements. If your client's sick pay follows the standard teacher or NHS guidelines as set out in the Terms & Conditions, they can choose our Sick Pay Protection option with a 52-week deferred period."]
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[null,null,"Understanding Net Salary & Benefit Calculations\nThis calculator provides an estimate of your clients net salary and is a general illustration only and may not accurately reflect your client's individual tax position. The information provided should not be relied upon as legal, tax or financial advice.\nThe calculation does not take into account personal circumstances that may affect an individual's tax position, including any adjustments to their Personal Allowance. The figures are based on our current understanding of UK legislation and HM Revenue & Customs practice for the 2026/27 tax year. It uses the personal tax rates listed on www.gov.uk and uses English tax rates only. It may be affected by future changes and individual circumstances."]
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[null,null,null,"1. Client's Details"]
[]
[null,null,null,"Deferred Period",null,"Monthly Gross Salary",null,"Monthly Net Salary",null,"Your Client's Maximum Benefit"]
[]
[null,null,null,"52 weeks (sick pay protection option)",null,500,null,{"$f":"Salary_Mon_Net","v":500},null,{"$f":"Max_Income_BFS","v":325}]
[]
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[null,null,null,"The maximum benefit your client can take out with us is shown above. This is based on 65% of the first £60,000 of your client's yearly income before tax and then 50% of everything after (up to the maximum benefit of £120,000 per year). This should be taken out with a deferred period of 52 weeks. "]
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[null,null,null,"2. Benefit Payment Structure"]
[]
[null,null,null,"Phase 1: Full Sick Pay",null,"Phase 2: Half Sick Pay",null,"Phase 3: Sick Pay Ended"]
[null,null,null,{"$f":"F36","v":500},null,{"$f":"J38","v":412.5},null,{"$f":"Max_Income_BFS","v":325}]
[null,null,null,"per month",null,"per month",null,"per month"]
[null,null,null,"100% employer sick pay",null,{"$f":"\"50% employer sick pay + \"&TEXT(H38,\"£#,##0\")&\" Protect (50%)\"","v":"50% employer sick pay + £163 Protect (50%)"},null,"100% Protect Benefit"]
[]
[]
[null,null,null,"3. Sick Pay Breakdown"]
[]
[null,null,null,"Employer Sick Pay Amount",null,"Employer Pay",null,"Protect Benefit Amount",null,"Total Monthly Income"]
[]
[null,null,null,"100% Full Sick Pay",null,{"$f":"Salary_Mon_Net","v":500},null,0,null,{"$f":"SUM(F36,H36)","v":500}]
[]
[null,null,null,"50% Sick Pay",null,{"$f":"F36/2","v":250},null,{"$f":"J19/2","v":162.5},null,{"$f":"SUM(F38,H38)","v":412.5}]
[]
[null,null,null,"0% Sick Pay",null,0,null,{"$f":"J19","v":325},null,{"$f":"SUM(F40,H40)","v":325}]
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[null,null,null,"What happens if your client needs to claim?\nWhen payments start: If your client falls ill or is injured and makes a valid claim, we’ll start paying their benefit as soon as their employer sick pay drops. The exact timing depends on their length of service and when they became unable to work.\n\nDuring reduced sick pay: While your client receives reduced sick pay from their employer, we’ll pay 50% of their chosen benefit amount.\n\nWhen employer sick pay stops: As soon as their employer sick pay ends completely, we’ll step in with 100% of their chosen benefit."]