|Description of Dependant||Documentation required|
|1||Husband or wife||Completed dependant section on application form|
Note: If customary marriage, an affidavit from the member confirming the obligation towards the husband or wife.
|2||Ex-husband or ex-wife|
|4||Child (biological, adopted, step or foster) with member's surname, under the age of 21||Completed dependant section on application form. Note: If the child's surname differs from the member's, an affidavit confirming the obligation towards the child and stating the reason for the difference is required. (Sworn affidavit to be completed by member)|
|5||Child (biological, adopted, step or foster) with member's surname, over the age of 21||Completed dependant section on application form, and If child is a student: |
|6||Parent, parent-in-law, grandparent or grandparent-in-law|
|9||Special dependants (where the member is liable for family care and support)|
Why does GEMS check the eligibility of student dependants?
The annual dependant eligibility review process is an initiative aimed at protecting the interests of Scheme members. This process ensures that only eligible beneficiaries are registered and enjoy benefits according to the Scheme's rules.
In order to ensure that student dependants (who are 21 years and older but younger than 28) can stay registered on GEMS as child dependants and not pay adult contribution rates, members have to provide GEMS with the following documentation:
An affidavit certifying financial dependency
A letter that proves that the dependant is registered at a recognised tertiary institution
All affidavits and documents have to be certified by a commissioner of oaths.
How the subsidy works
New approved medical scheme subsidy
One of our objectives as GEMS is to ensure that member contributions remain affordable and the medical scheme subsidy provided by your employer plays an important role in ensuring the continued affordability of your medical benefits. We are therefore proud to announce that government has increased this subsidy backdated to January 2015. According to the Public Service Co-ordinating Bargaining Council (PSCBC) Resolution 2 of 2015, the subsidy has been approved and increased by 28.5% for active employees. The subsidy will also increase by Medical Price Index in January every year. Please consult your employer regarding the subsidy increase implementation date as well as information on how this applies to you as an individual.
Employees on salary level 1 to 5 participating on Sapphire will continue to be subsidised at 100% up to the maximum amounts as indicated below.
In-service employees on GEMS will receive a subsidy of 75% of their total contribution up to the maximum as indicated below.
The new subsidy policy for pensioners is as follows:
Pensioner members who were on salary level 1 to 5 and on the Sapphire option while they were active employees, and retire on the same option, will now continue to receive a 100% subsidy for the member and up to one dependant (up to a maximum of R1 850).
Pensioner members on GEMS will receive 75% of their monthly contribution as a subsidy up to the following maximum. If you have any questions about your subsidy, you should discuss them with the Government Pensions Administration Agency (GPAA).
|Family structure||January 2016||January 2017|
|Main member||R1 008||R1 097|
|Main member + 1||R2 017||R2 195|
|Main member + 2||R2 633||R2 865|
|Main member + 3||R3 249||R3 535|
|Main member + 4||R3 865||R4 205|
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