BENEFITS
LIFE COVER
Life Cover pays a lump-sum amount in the event of a members death, providing their family with much needed financial support.
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The scheme is fully underwritten and has a medical free limit of R 2,600,000
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The Life Cover is a policy for the MEMBER only
3.25 to 4 x Annual Salary + Fund Credit – Tax
= LIFE COVER BENEFIT
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Members must ensure they complete the beneficiary nomination form and keep this information updated. The form can be obtained from the fund or your HR department and a completed copy provided to your HR department to be kept on file
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In the event of an HIV count being below a certain count an accelerated Death Benefit can be claimed and paid out
CAPITAL DISABILITY COVER
Capital Disability cover provides cover in the event of the employee experiencing loss of income upon injury or illness rendering him or her permanently and totally incapable to perform the material and substantial duties of his or her own or any employer (this includes self-employment) taking into account the knowledge, training, education, ability, experience and age of the employee.
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The scheme is fully underwritten and has a medical free limit of R 2,600,000
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The Capital Disability Cover is a policy for the MEMBER only
3.25 to 4 x Annual Salary + Fund Credit – Tax
= DISABILITY COVER BENEFIT
PERSONAL ACCIDENT COVER
The SENPF offers a Personal Accident and impairment benefit for it’s members. This policy covers the member for accidental death, disability or impairment up to R75,000
DEFINITION:
The insuring clause of this cover relates to any Insured Person sustains Accidental Bodily Injury, at an identifiable time and place, which injury shall directly and independently of all other causes result, within twenty-four calendar months, in Death, Disability or in Medical Expenses being incurred as specified in the Schedule of Circumstances and Compensation
FAMILY FUNERAL COVER
All members on the fund receive family funeral cover, which is paid for by the employer contributions and provides cover for the MEMBER their SPOUSE and CHILDREN.
Member - R42,000
Spouse - R42,000
CHILDREN:
14 - 24 years R42,000
6 - 13 years R25,000
0 - 5 years R25,000
Stillborn R12,500
Upon receipt of all compulsory documentation and any documentation deemed necessary, the payment to the beneficiary is finalised within 48hrs. All contributions must be in order and received by the Fund prior to acceptance of the claim.
IMPORTANT!
Children over the age of 23 years old are not covered under the funeral policy.
Funeral policy does not cover extended family member's i.e Parents and siblings etc.
GROCERY COVER
On the death of the member, spouse or children, the benefit is paid in the form of a voucher to assist with family expenses. The benefit voucher is paid in addition to the Funeral Cover and is redeemable at selected Shoprite and Checkers stores.
Member - R4,000
Spouse - R3,000
Parents - R2,000
Children Stillborn to 23 years - R1,000
FUNERAL MANAGEMENT SERVICES
A 24-Hour emergency assistance helpline is available to assist and advise families on suitable funeral homes, documentation required and procedures when suffering the loss of a member
This benefit also includes organising of Burial Repatriation, providing transport of the deceased family member within the borders of South Africa, at no additional cost to the family and all religious formalities are conformed to
ADDITIONAL BENEFITS
Tutor / Uthisha Cover
Tutor Cover is a telephonic offering providing academic assistance that allows learners to interact with a qualified teacher on a variety of subjects. The cover is available to all school going children from all grades whose parents or guardians have risk benefits under the Fund
Trauma & Assault Product Benefit
A helpline that arranges the nearest local emergency assistance service for eligible persons, as well as emergency transport to the nearest, most appropriate medical facility as a result of bodily injury – where necessary the eligible person will be stabilised before transportation is provided (Note: Inter-hospital transfers are not included)
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Helpline manned by professional resource nurses, maintaining high service level
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Cover for Assault R5,000 (five thousand rand) per eligible person with a maximum of R10,000 (ten thousand rand) per family per occurrence in respect of medical indicated treatment for bodily injury
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The resource nurses also assist with referrals for psychiatric consultations
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Cover for Trauma (where relevant, in addition to the above amount in respect of an Assault) is R5,000 (five thousand rand) per eligible person with a maximum of R10,000 (ten thousand rand) per family per occurrence in respect of Psychiatric Consultations
HIV Protection Treatment Product Benefit
The HIV Protection Treatment Service enables the eligible person to make use of at his/her own discretion of the following services
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24-hour access to trauma counsellors, providing telephonic trauma counselling as well as counselling for post-traumatic stress disorder
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3 (three) Psychiatric consultation (per incident) with a specialist
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3 (three) HIV blood tests (per incident)