Umbrella FAQ's

If you work under an umbrella company and have not passed an SDC test, you can’t claim back costs in respect of travel and subsistence to your main site.

There are a number of expenses that can be claimed back these were incurred whilst performing your duties of employment. The full list is detailed below.

A P87 form is the document for an Umbrella Employee to use to claim tax relief for expenses of employment.

Because you are essentially an employee, any expenses will be paid in line with your umbrella employer’s expenses policy.

On the whole, no. If you work under an umbrella company HMRC will deem you to be a permanent employee and therefore can’t claim back costs such as travel and subsistence. This is subject to an SDC test.

A salary sacrifice will lower your National Insurance Contributions whilst boosting your pension, but the amount you could borrow for a mortgage and your entitlement to statutory benefits will both decrease.

Some umbrella employers offer the option of salary sacrifice as part of their own independently administered pension scheme.

Yes, but exactly when you can re-join depends on your employer.

An opt-out from the pension scheme normally lasts for three years.

Yes. If you are auto-enrolled into your umbrella employer’s workplace pension scheme, you can opt out at any time.