daphne - those schemes in the article you linked would, I guess, be caught by the "Tax Avoidance Disclosure" regulations - introduced in 2014 - I won't quote them all - the guidance runs to 166 pages
As soon as people find loopholes HMRC tries to plug them.
The major advantage of company benefits lies in avoiding some NIC - also taking part of income as contribution to a pension pot instead of salary has tax advantages but again it's complex & a specialist issue and not for this thread or such a lovely sunny afternoon 
As for overseas based people - it depends ..... private sector employees, Crown employees, Forces personnel, residency, domicile status, length of time abroad, tax payable overseas, Double Taxation Relief ... arrgh...
For most people - we don't have the worry of protecting all that dosh from HMRC - a modest income and our tax is just taken away via PAYE - and I'm happy with that - paying my share for our services.
Retirement is it what you thought it would be?


