Funeral Cover
Family Funeral Cover
The high costs of arranging a funeral can put financial strain on the loved ones of the person who has passed on. Family Funeral Cover helps to ease this burden by paying out a lump sum to help cover the costs of a funeral or memorial service for your immediate family. The voluntary family cover is available to all members of the UCTRF as well as their spouses and children.
You and your spouse* and children* are covered in the event of death for the amounts below. Please refer to your HR office for a cost breakdown.
You and your spouse* and children* are covered in the event of death for the amounts below.
|
Covered Person |
Lump Sum Cover |
|
Main member |
R30 000 |
|
Spouse |
R30 000 |
|
Child (age 14 – 21 years) |
R30 000 |
|
Child (age 6 – 13 years) |
R15 000 |
|
Child (age 2 – 5 years) |
R7 500 |
|
Child (under 2 years, including stillborn) |
R7 500 |
*See below for the definition of Spouse and Child.
| A "Spouse" must be the spouse of the member, including: |
"Child" refers to any biological child, stepchild or adopted child of the member. Children are covered if they are: |
|
|
Payment will be made for a maximum of 1 spouse, 5 dependent children and 2 stillbirths in respect of a member for the duration of the Policy.
This benefit is not taxed.
What if I don't want or need this cover?
The cost of this cover is deducted from your UCTRF contribution. If you don’t want this cover you can “opt out” within 30 days of joining the UCTRF and the savings in the premium will be credited to your Accumulated Retirement Savings. (Please refer to your HR office for a cost breakdown.)
You have the opportunity to opt in or out on 1 July each year. If you opt out and then opt back in, there will be a waiting period and you will not be able to claim for the first 6 months after opting back in.
What if I need more cover?
UCT has negotiated for employees to elect extended family funeral cover for family members that are not covered under the standard family funeral cover. The premiums will be deducted from the employee’s bank account via a debit order. Please contact the HR Office by emailing UCTFuneralCover@uct.ac.za for additional information regarding this cover.
You also have the option, when you join the UCTRF or on 1 July each year, to double the amount of funeral cover. The additional premium will be deducted from your CoE. For more information, please visit the UCT HR website or email UCTFuneralCover@uct.ac.za for further information.
When you take up the additional cover, your total family funeral cover will be as follows:
|
Covered Person |
Lump Sum Cover |
|
Main member |
R60 000 |
|
Spouse |
R60 000 |
|
Child (age 14 – 21 years) |
R60 000 |
|
Child (age 6 – 13 years) |
R30 000 |
|
Child (age 2 – 5 years) |
R30 000 |
|
Child (under 2 years, including stillborn) |
R15 000 |
When does my funeral cover cease?
Cover will cease when you “opt out”, or the last day of the month in which you reach age 70 or when you leave the service of the Employer (whichever happens first). Please consult the policy below for the full terms and conditions.
Exclusions
Please note that certain exclusions may apply to your family funeral cover.
Click here for more information regarding the exclusions on the Family Funeral Benefit.
Family Funeral Policy
Click here for the family funeral benefit policy.
Funeral Support Services
In addition to the cash benefit payment, you, your spouse and dependent children have access to a range of free Funeral Support Services. These include:
- Transportation arrangements for one relative to accompany the deceased to the nearest funeral home of choice closest to the place of burial;
- Accommodation for one night, if required, for one relative accompanying the deceased to the place of burial;
- Legal assistance regarding the funeral procedures, for example assisting with obtaining the death certificate, removal of body etc.;
- Assistance in the arrangement of a funeral or cremation;
- Referral to pathologists, if required;
- Referral to family members of the deceased to psychologist or psychiatrist, if required;
- Referral to family members of the deceased for special counselling, particularly relating to the loss of a child, if required; and
- Repatriation of the deceased.
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