What employees can get help with
Financial Guidance
Debt management, budgeting, dealing with creditors and guidance aligned with resources from MoneyHelper, understanding benefits entitlements, mortgage and rent arrears and pensions queries. Practical advice to help employees regain control of their financial situation.
Legal Information
Family law (separation, divorce, child custody), housing disputes, consumer rights, neighbour disputes, wills and probate and general legal queries. Advisers provide information and guidance to help employees understand their options and take the right next steps.
Tax & Employment
Tax credits, self-assessment queries and general employment rights questions. For employment matters related to their role with your organisation, employees are directed to appropriate internal channels or supported through our HR & Management Support advice line where management guidance is required.
Why financial wellbeing matters to employers
- Reduced presenteeism: An employee distracted by a court summons or a debt spiral is physically present but mentally absent. Resolving the underlying problem restores productive capacity.
- Lower absence: Financial stress drives anxiety, insomnia, and depression. Providing early access to advice prevents these from escalating into clinical conditions and sickness absence.
- Retention: Employees who feel supported through difficult personal circumstances are more likely to stay. The advice line costs a fraction of the recruitment expense when someone leaves because they cannot cope.
- Duty of care: Demonstrating that your organisation cares about the whole person, not just their output at work, strengthens your employer brand and supports your ESG commitments. We have been supporting employers with clinically governed wellbeing services since 1999.
FAQs
Yes. The Legal and Financial Advice Line is a core component of the MCL Employee Assistance Programme. There is no additional charge for employees to use it.
Qualified legal information advisers and financial guidance specialists operating within MCL’s SEQOHS-accredited clinical governance framework. For complex legal matters, employees are signposted to appropriate professional services. The advice line does not replace formal legal representation.
Completely. Your organisation receives aggregated utilisation data as part of EAP reporting, but individual calls are never disclosed to the employer. Employees can speak freely.
Yes. Immediate household family members of your employees anywhere in the UK are eligible to use the advice line under the same confidentiality terms.
If an adviser recognises that a caller’s financial or legal problem is also causing significant emotional distress, they can warm-transfer the caller directly into our EAP counselling triage. One call, not two separate processes.