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Membership and Dependants


Who may qualify as your dependants on the Scheme? 

We understand that your family is important. That's why the following people may qualify as your dependants:

  • Husband, wife or partner involved with the main member in any same-sex or heterosexual union.
  • Ex-husband or ex-wife if required by a divorce settlement.
  • Children (biological, adopted, step or foster).
  • To be registered as a child dependant, a person must either be:  
    • under the age of 21;
    • under the age of 28 and registered as a bona fide student at an educational institution recognised as such by the Board within South Africa or any other educational institution abroad; or
    • Totally dependent on the main member and who is deemed by the Board to be permanently disabled, irrespective of age.
  • Parents, parents-in-law, step parents, step parents-in-law, grandparents and grandparents-in-law if they are factually dependent on the main member.
  • Grandchildren and great-grandchildren if they are factually dependent on the main member. Siblings (brothers and sisters), halfsiblings, step-siblings and in-law siblings if they are factually dependent on the main member.
  • Nephews and nieces if they are factually dependent on the main member or of a member's spouse.
  • A person, other than family, who is dependent on the main member for family care and support.

For most of the dependant categories outlined, an affidavit that proves factual dependency should be submitted with the application form (not older than three months.) An affidavit is a written declaration made under oath in front of someone legally authorised to administer an oath (for example, a Commissioner of oaths, or a police officer).   

How to register your dependants

To register a dependant, you need:

  • To complete the Addition of dependant form.
  • Certified copies of IDs or birth certificates of the dependants and marriage certificates of the spouse if your surnames are different.
  • Any documents that apply according to the list below. In most cases, before we will register the dependant, we will need an affidavit that proves factual dependency.

Detailed list of requirements and documents needed to register a dependant

Husband or wife

  • For a customary marriage, we need an affidavit from the main member confirming the obligation towards the husband or wife.
  • We need a copy of the marriage certificate if married and the surname of the husband or wife is different from the main member's surname.

Ex-husband or ex-wife

  • We need a copy of the court order to provide medical support as required by the divorce settlement.

Partner

  • We need an affidavit (completed by the main member and partner) confirming that the dependant is the main member's life partner.

Children (biological, adopted, step or foster) under the age of 21

  • If the child's surname is different to that of the main member, the main member must complete an affidavit stating the reason for the difference and confirming the obligation towards the child.

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:
    • Proof of registration at a recognised tertiary institution
    • Affidavit from the main member confirming factual dependency.
  • If the child is totally dependent due to mental or physical disability, we need:
    • Proof of disability from a medical practitioner (medical assessment report to be completed by a medical practitioner)
    • An affidavit from the main member confirming factual dependency and that the child is not in a state institution.
  • If the child is neither a student nor disabled, we need:
    • An affidavit from the main member confirming factual dependency. (Please note that in this instance, you will pay adult contribution rates for this dependant).

Parents, parents-in-law, grandparents and grandparents-in-law

  • We need an affidavit from the main member confirming factual dependency of the dependants.

Grandchildren and great-grandchildren

  • We need an affidavit from the main member confirming factual dependency of the dependants.
  • We need an affidavit to be completed by the main member and biological parent, where applicable confirming factual dependency of the grandchild on the main member.
  • If the parent of the child is also registered as a dependant, an affidavit is only needed from the main member for the grandchild or great grandchild.

Siblings (brothers or sisters), half-siblings, step-siblings and siblings in-law

  • We need an affidavit (to be completed by the main member) confirming factual dependency of the sibling on the main member.

Nephews and nieces (including in-laws)

  • We need an affidavit confirming factual dependency of nephews and nieces on the main member. The affidavit must be completed by the member and the sibling, where applicable.
  • If the parent of the child is also registered as a dependant, an affidavit is only needed from the main member for the niece or nephew.

Special dependants (where the member is liable for family care and support)

  • Completed dependant section on the application form.  
  • We need an affidavit from the main member confirming factual dependency of the special dependant.

Registering your newborn or newly-adopted child

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 so that he/she can be registered as a dependant on the Scheme from the date of birth. You will also need to provide the final letter of adoption if your child is adopted. We will then also cover medical expenses related to the newborn's birth. If your newborn's surname is different from yours, you must provide the Scheme with an affidavit confirming that the child is yours.

Yearly review of dependants

Every year, the Scheme reviews whether dependants still qualify to receive benefits according to the Scheme Rules. This means that each year, main members must give us proof of factual dependency for all dependants over the age of 21. Disabled dependants and dependants (parents, parents in-law, pars) who are over 65 years (pensioners) only need to give supporting documents to the Scheme once.

Eligibility review - Implementation of Rule 4.9.5

The implementation of Rule 4.9.5 allows for students studying short courses at any time during the year, to now be registered at the child rate. Previously you could only register your dependant for child rates if he/she studied as a full-time student. The implementation of Rule 4.9.5 means that there will now be eligibility reviews conducted throughout the year, triggered by students' study completion dates.

The new short course rule allows a Principal Member to pay a child rate for a dependant for the duration of his/her registration on a short course, which child rate will revert back to an adult rate after the completion date of the short course. For example, in the event of a student studying a three month diploma course at an educational institution, the Principal Member will be required to pay a child rate during the three month course period and will be required to pay an adult rate thereafter.

In the event that you do not supply proof on time, the dependant will be converted to an adult rate. That means you will be charged adult rates until you supply proof of studies or written notice to terminate the dependant's membership.

Dependants registered as students

The table below gives more details about students qualifying to be dependants:

Student's age Rates to be paidReview period 

Under 21 years old 

You pay child rates

 

21 years and older, but under 28 years

You pay child rates as long as you have handed in proof that the student is studying at a recognised educational institution.

You also need to provide a affidavit stating factual dependency (not older than three months).

Note: If the dependant is not a student, but is factually dependent on the main member, they may continue as a dependant at adult contribution rates, if all relevant documents are submitted.

Documents must be provided before the end of March every year for full time students.

Students studying short courses must provide proof of study at the time they register.

In the event that you do not supply proof on time, the dependant will be converted to an adult rate. This means that you will be charged adult rates until you supply proof of studies or written notice to terminate the dependant's membership.

Please note that students studying overseas are not covered as they are considered to not be "ordinarily residing in SA". According to rule 6.2 "The membership of the Scheme is limited to those Members and their Dependants who are ordinarily resident within the Republic of South Africa, or who are stationed abroad on or by virtue of instructions, requirements or obligations of the Member's Employer". 

Why it is important to send your documents to us in time

We need to receive all the documents as requested on the eligibility review letters, so that your dependant can continue to receive benefits at child dependant rates. If documents for a newborn are provided more than 60 days after birth, the dependant will not be covered by the Scheme from the date of birth. This means you will have to pay the hospital costs of the newborn out of your own pocket.

 

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