HOW TO CLAIM DEATH BENEFITS

STEP 1 : YOUR DEPENDANTS OR BENEFICIARIES WILL NEED TO

COMPLETE THE CLAIM FORM
Where to get a claim form:
• [Link]
• Call 0860 177 775 or visit the Walk-in centres in Midrand, Johannesburg,
Durban, Cape Town, Bloemfontein and Port Elizabeth;
• Employer ‘s HR department.
• Remember that the Fund must be informed of an active members' death.

Documents required from the family

Originally certi ed copies (not photocopies) of the following documents:
• Member’s death certi cate
• Member’s identity document
• Spouses identity document OTHER ROLE PLAYERS INVOLVED IN THE FUND
• Children’s identity documents or birth certi cates
• Proof of marriage African Funeral claims are assessed, processed
• Marriage certi cate/Customary Union Certi cate/con rmation Unity and paid by African Unity.
of marriage from tribal chief
• Divorce document (if applicable) The Funeral Bene t is underwritten by African Unity
a licensed life insurer and an authorised Financial
• Affidavits (if applicable)
Services Provider (FSP8447).
Other Personal Details
• Spouse’s banking details
• Spouse’s telephone number and postal address
for (communication purposes)
Guardian of the children
• Guardian’s banking details
• Guardian’s postal address (for communication purposes)
UNDERWRITER
• Guardian’s telephone number Website: [Link]
Email: PSSPF@[Link]
STEP 2 : GET THE EMPLOYER TO SIGN AND STAMP THE CLAIM FORM
Your employer or HR department will need to sign and stamp the claim form Salt EB Salt EB is the Registered 13B administrator to the Fund and
so that the claim can be processed and payment made. is responsible for administration of member records and
Death and Funeral Claims require copies of the Death certi cate for veri cation. compiling the nancial statements of the Fund as well as
producing the member bene t statements. In addition Salt
Documentation Required from the Employer EB handles all employer and member engagement,
• Death claim form attending presentations all over the country for PSSPF. The
• Copy of the dependants and nominee form service of a call centre is made available to members.
• Death and funeral claim checklist Administration of the Fund's death, disability and
withdrawal bene ts is actioned by Salt EB.
• Copy of the employee’s last payslip

STEP 3: SUBMIT CLAIM

Submit the signed and stamped claim form with the required supporting
documents to [Link]@[Link]

THE CLAIMS PROCESS ADMINISTRATOR

Remember that the Fund must be informed of an active members' death. Tel: (011) 544 8300
1. All documents are received and veri ed Email: [Link]@[Link]
2. Claims are investigated by the trustees to determine the bene t FSP: 18929
allocation (in death cases);
3. Tax calculation is applied; Disclaimer:
4. Bank veri cation is received;
5. In cases where communications and Fund rules differ,
Deductions are made;
the PSSPF Fund rules will apply
6. Payment is made.
 DEATH BENEFITS
WHO IS COVERED? DEATH BENEFIT CALCULATION FUNERAL BENEFIT
All active members of the Fund are covered for this bene t provided Should you pass-away whilst in service your dependants/bene ciaries will In addition to the death bene t payable, a funeral bene t is payable
contributions are paid on time and are up to date. Part of the money your receive the following bene t: within 48 hours, under the condition that all the necessary
employer contributes every month pays for this bene t.
documentation is received.

Members are now required by law to complete the Funeral Nomination of

Bene ciary Form. In the event of your death, the funeral bene t will be
Should you pass-away whilst
Please check paid to the person that you nominated in your nomination form. Please
you are still in service, your ANNUAL SALARY/WAGES
your payslip ensure that the person you nominate as a bene ciary for the funeral
dependents and nominees
for the exact bene t, is over the age of 18 years, and would be responsible to pay or
will receive a death bene t.
amount you Your annual pensionable salary is organise your funeral.
are contributing. Calculated at 12 x the monthly salary your
Your death bene t will be 3.25 x Annual contributions are based on.
allocated in terms of the rules Pensionable Salary The following 3 bene ts become payable to
of the fund as well as Section 37C
of the Pension Funds Act, which your dependants:
deals with the duties of the trustees in the allocation of the bene t.
SAVINGS 1) 3.25 x your annual salary/ wages as lump sum;
The Trustees will decide how the bene t will be distributed based on the 2) Total retirement fund savings/fund credit as a
below: Contributions are invested by the
Fund over the term of membership.
lump sum;
1. Your wishes as stated on the your Nomination Form (Used as a guide) The interest earned through this 3) Funeral Bene t.
investment is also added to the
2. Investigations done by the Fund to determine who was dependent on
members’ retirement savings.
you while you were alive.

The Pension Funds Act allows trustees up to 12 months to investigate and WHAT IS A LIEN? EXAMPLE:
decide how death bene ts will be distributed. If you do not have dependants,
your bene t will go to your nominated bene ciaries, (or nominees).
A lien is a deduction permitted by
If you earn R5000 per month -
the Pension Funds Act to pay for: your annual wages amount to R 60 000.
If you exit the Fund you will no longer be covered by or be able to claim for
• Maintenance Orders
the death bene t. Non compliance or non-payment by the employer will
result in repudiation.
(child support). The Death Bene t payable is therefore:
• Divorce orders.
• Home loans attained through
The bene t will be paid once all documents are received; your the Provident Fund.
R60 000 x 3.25 = R 195 000
dependants/bene ciaries are identi ed and the distribution of death • Refund of damage caused to
bene ts is approved by the Board of Trustees. the employer by theft, fraud or PLUS
dishonesty.
NOMINATION OF BENEFICIARY FORM Your full retirement fund savings/fund credit.
The Nomination Form is used as guide by the trustees when deciding how
to allocate your Death Bene t. The trustees have a duty to ensure that the
If you continue to work past normal retirement age (65), with PLUS
permission from your employer, you may elect to continue to be
bene t is distributed equally and fairly. covered for Death and Funeral bene ts up to the age of 70 years.
The Funeral Bene t.
If you have NOT completed your Nomination of Bene ciary Form, your
bene t will be paid into your Estate. NAME YOUR BENEFICIARIES
SUBMITTING YOUR NOMINATION FORM You should, at least once a year, or when a life- REGISTER FOR TAX
changing event occurs (example: birth of a child,
divorce) update the Nomination of Bene ciary Form. Without a tax number the Fund can’t pay your
Print a copy of your up-dated Nomination of claim, even death claims require the member to
Identifying your bene ciaries helps Trustees to
Bene ciary form and send it to your Human Capital be registered for tax before payment can be made.
distribute your bene ts quicker.
Department for record purposes.