All about dependants
Who may qualify as your dependants on the Scheme?
More people can qualify as dependants on GEMS than ever before. The following people may qualify as your dependants on the Scheme:
Husband, wife or partner
Ex-husband or ex-wife if required by a divorce settlement
Children (biological, adopted, step or foster) under the age of 21. To be registered as a child dependant, a child must be under the age of 21 and not receive a yearly income that is more than the maximum Government Social Pension
Children (biological, adopted, step or foster), over the age of 21 who are:
not yet 28 years old and are full-time students registered at a recognised tertiary institution and financially dependent on the principal member; or
mentally or physically disabled and therefore financially dependent on the principal member
Parents, parents-in-law, grandparents and grandparents-in-law - if they are financially dependent on the principal member
Grandchildren and great-grandchildren - if they are financially dependent on the principal member
Siblings (brothers and sisters), half-siblings, step-siblings and in-law siblings - if they are financially dependent on the principal member
Nephews and nieces - if they are financially dependent on the principal member.
All dependants who are 21 years and older must not earn more than the annual maximum Government Social Pension amount, excluding partner and spouse-type relationships. To find out the current Government Social Pension amount, please visit the South African Social Security Agency website at www.sassa.gov.za or you can contact them on 0800 601 011.
For dependants who are 21 years and older to be registered they must not be permanently employed.
For most of the dependant categories outlined above, an affidavit that proves financial dependency is required. Please see below for more information.
How to register your dependants
To register a dependant, we need:
Detailed list of requirements and documents needed to register a dependant
Husband or wife
For a customary marriage, we need an affidavit from the principal member confirming the obligation towards the
husband or wife.
We need a certified copy of the marriage certificate if married and the surname of the husband or wife is different from the principal member's surname.
Ex-husband or ex-wife
We need an affidavit
(completed by the principal member, partner and a witness) confirming that the dependant is the
principal member's life partner.
Children (biological, adopted, step or foster) under the age of 21
Children (biological, adopted, step or foster), over the age of 21
If the child is a student and not yet 28 years old, we need:
If the child is totally dependent due to mental or physical disability, we need:
If the child is neither a student nor disabled, we need:
from the principal member confirming financial dependency. Remember: In this instance, you will pay adult rates for this dependant.
Parents, parents-in-law, grandparents and grandparents-in-law
Grandchildren and great grandchildren
They may be registered as dependants:
If the principal member or the husband or wife receives a child support grant; or
If the principal member or husband or wife gives us a sworn affidavit that he or she takes primary responsibility for meeting the daily needs of the child.
We need an affidavit
to be completed by the principal member and biological parent, where applicable confirming financial dependency of the grandchild on the principal member.
If the parent of the child is also registered as a dependant, an affidavit is only needed from the principal member for
the grandchild or great grandchild.
Siblings (brothers or sisters), half-siblings, step-siblings and siblings-in-law
Nephews and nieces (including in-laws)
Registering your newborn in time is very important!
You must send a completed newborn registration form
and a certified copy of the birth certificate to the Scheme within 60 days
from the birth of your child. If your newborn's surname is different from yours, you must provide the Scheme with an affidavit confirming that the child is yours.
Contributions for your child will be due from the first day of the month after the month in which he/she was born if you register your child within 60 days from the birth date. If you do not register your newborn in time, we will not be able to register your child as a dependant on the Scheme from the date of their birth. This means that we will not cover any expenses related to your newborn's birth and you will have to pay these costs out of your own pocket.
Yearly review of dependants
Every year, the Scheme reviews whether dependants still qualify to receive benefits according to the Scheme Rules.
Each year, principal members must give us proof of financial dependency for all dependants over the age of 21.
Disabled dependants and dependants (parents, parents in law, partners) who are over 65 years (pensioners) only need to give supporting documents to the Scheme once.
The following table provides details about full-time students qualifying to be dependants:
|Student's age ||Rates to be paid ||Review period |
|Under 21 years old|
You pay child rates as long as
you have handed in all relevant documents:
Proof that they are financially dependent on the
|Two months before the |
birth month of the dependant
|21 years and older but under 28|
and a full-time student
|You pay child rates as long as|
you have handed in all relevant documents:
Proof of study at a regcognised tertiary
institution to show that student is studying
on a full-time basis.
If not a student, but financially dependent on the
member, the child may continue as a dependant
(at adult rates)provided all relevant documents
|Documents must be provided before|
the end of March every year. The period
under review will be April to March of the
Why it is important to provide the required documents in time?
If ALL the required documents (as specified on the eligibility review letters sent to members) are not received before the end of the birth month, we will remove the dependant from the Scheme. We could also change the rates you pay for your dependant from child to adults rates.
If documents for a newborn are provided late, the dependant will not be covered by the Scheme from the date of birth. Required information must be received.