You can choose your death cover multiples for your UCTRF death cover and separate death cover when you join the UCTRF, without having to provide medical evidence of your good health.

Decreasing your Death Cover

You may decrease your UCTRF and/or Separate Death Cover at any time on one month’s notice. Contact the UCTRF Office who will provide you with the relevant forms.

Increasing your Death Cover

You may increase your UCTRF and/or Separate Death Cover on the events listed below without needing to provide evidence of health in the following ways, provided you do not increase your cover above the free cover limit. (Note: Disability claimants may not increase their death benefit multiples after they become disabled.)

The UCTRF will send out the necessary forms to change your death cover effective 1 November, prior to that date.  

If you wish to change your multiple of cover a date other than 1 November, contact the UCTRF Office who will provide you with the relevant forms.  These forms must be submitted to the underwriter within 13 weeks of the relevant event and must include the documentation specified in the forms.

The cost of the Premiums for the UCTRF death cover will be deducted from your UCTRF contributions.  This means that the more cover you select, the less goes to your Accumulated Retirement Savings.  It is important to balance the needs of your dependants in the event of your death, with your needs when you retire.  We recommend that you make use of the Retirement Provision calculator and the Death Cover calculator at https://uctrf.co.za/uctrf/toolbox to help you with this decision, and/or consult your accredited financial advisor.

If you choose additional Separate Death cover, the Premium for this additional cover will be deducted from your salary in addition to the UCTRF contribution that you are already making (in other words it will reduce your take-home pay).

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