How to combine different employee benefits in a single scheme: 5 real-life examples

Professional without children, works in the office and uses public transport

Situation: Marcos, 27, goes to the office five days a week by tube and usually eats in restaurants near work.

Professional's details:

• Gross annual salary: €22,000
• Marginal income tax rate: 24%
• Circumstances: no children, works in an office five days a week, uses public transport

Chosen products:

• Ticket Restaurant: €220 per month (€2,420 per year, subject to a limit of €11 per day × 22 days)
• Edenred Mobility: €60 per month (€660 per year, subject to a limit of €1,500 per year)

Total flexible remuneration: €3,080 per year (within the 30% limit)

2. A mother or father with a child in nursery and their own car

Situation: Laura, aged 34, has a two-year-old daughter who attends a private nursery and drives to work because there isn’t a good public transport link from her home.

Professional's details:

• Gross annual salary: €28,000
• Marginal income tax rate: 24%
• Situation: a child at nursery, no public transport available, works in an office

Chosen products:

• Edenred Guardería: €450 per month (€4,950 per year, no quantitative limit, 100% exempt)
• Ticket Restaurant: €150 per month (€1,650 per year, subject to a limit of €11 per day)

Total flexible remuneration: €7,200 per year (within the 30% limit)

NoteWhen driving, Laura cannot benefit from Edenred Mobility, but the childcare savings more than make up for this limitation.

3. Remote worker 100% ordering food for delivery

Situation: Javier, aged 31, works remotely five days a week. He has no travel costs as he doesn’t have to commute, but he frequently orders food for delivery and does his shopping online.

Employee details:

• Gross annual salary: €26,000
• Marginal income tax rate: 24%
• Situation: no children, working from home (100%), orders food for delivery

Chosen products:

• Ticket Restaurant: €220 per month (€2,420 per year, up to a limit of €11 per day, spent in supermarkets and on delivery apps)
• Edenred Mobility: N/A (no travel)

Total flexible remuneration: €2,420 per year (within the 30% limit)

Note: Edenred’s Ticket Restaurant is also accepted on the main food delivery apps, so you can still make the most of it whilst working from home.

4. A senior professional with a large family and a long commute

Situation: Elena, aged 42, has two children, one of whom is still of nursery age, and has a long journey by commuter train and bus to get to the office.

Employee details:

• Gross annual salary: €38,000
• Marginal income tax rate: 37%
• Circumstances: two children (one at nursery), a long journey by public transport, working five days a week

Chosen products:

• Edenred Guardería: €500 per month (€5,500 per year, no quantitative limit, 100% exempt)
• Ticket Restaurant: €220 per month (€2,420 per year, within the €11/day limit)
• Edenred Mobility: €125 per month (€1,375 per year, maximum limit reached)

Total flexible remuneration: €9,295 per year (within the 30% limit)

Young professional on a hybrid working model, no children, with a short commute

Situation: Diego, 24 years old, first job after his degree. He works three days in the office and two remotely, lives a 15-minute walk away and does not need public transport.

Employee details:

• Annual gross salary: €19,000
• Marginal income tax rate: 19%
• Situation: no children, hybrid model (3 days in the office), walks to work

Chosen products:

• Ticket Restaurant: €143 a month (€1,573 a year, within the limit of €11/day × ~13 office days a month)
• Edenred Mobility: N/A (walks)

Total flexible remuneration: €1,573 per year (within the 30% limit)

The key: adapt the Flexible Remuneration plan, do not force it

As can be seen from these five examples, there is no single «correct» combination. What remains constant, however, is the principle: the more benefits that are matched to expenses the person already has, the greater the real tax saving, without the company spending an extra euro.

Some ideas for designing your team's benefits package:

• Segment the squad due to family situation and working model (in-person, hybrid, remote) before deciding which products to offer by default.
• Remember that the combined limit of all benefits The flexible remuneration scheme amounts to 30% of the employee’s gross annual salary.
• The Edenred Restaurant Ticket it is valid in restaurants, supermarkets and delivery apps, so it also benefits those who work remotely.
• Nursery It is, by far, the benefit with the greatest impact on savings when there are young children, as it has no quantitative limit of its own.

If you want to calculate the exact savings for the different profiles on your workforce, try the Edenred savings calculator and compare scenarios in minutes. And if you want to measure ROI, use our ROI Calculator for Businesses!