HOW TO CLAIM
STEP 1: FILL IN YOUR CLAIM FORM
Where to get a claim form:
•www.rflipfund.co.za
• Call 086 173 5473 on share call or visit the Sanlam RFLIPF Walk-in centres in Braamfontein, Durban and Bellville (Cape Town);
• Employer ‘s HR department.
The claim form includes a list of supporting documents that must be
attached when sending in the claim.
The following information must be indicated on the claim form:
• Member’s contact telephone/cell number and address;
• Valid Tax number (PAYE number that starts with 7 is not valid tax
number);
• Date leaving the fund (end of the month member left);
• Last contribution paid by member and employer;
• Annual income;
• Reason for leaving (resigned, retired, retrenched, dismissed, end
of contract);
• How benefit must be paid (i.e. cash to bank account, transfer to
another fund etc).
ROLE PLAYERS INVOLVED IN THE FUND
Sanlam
Front Office - they are responsible for ensuring
contributions are paid by the employer, assist members
with enquiries, receive claim forms and make sure they are
complete before submitting to SALT EB for processing.
SALT EB
Back Office - they receive the contribution schedules from
Sanlam and allocate contributions to members’ accounts.
SALT receives complete claim forms from Sanlam, process
and pay these claims. SALT is responsible for the
administration of member records and compiling
the financial statements of the Fund as well as producing
the member benefit statements.
NMG
Responsible for Funeral, Death and Disability Benefits.
HOW THE FUND WORKS
FUND DETAILS
Fund no:
12/8/37811
Fund website:www.rflipfund.co.za
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
so that the claim can be processed and payment made.
Disability claims require a medical certificate to be verified by the Fund’s
appointed medical provider.
Death and Funeral Claims require copies of the Death certificate for
verification.
The following is required to finalise claim:
• Completed claim form (all fields!), signed by member with date,
and signed and stamped by employer with date;
• Copy of bank statement showing member’s name, stamped by
bank or letter from bank confirming bank details, must have
member’s name and ID or passport number on the letter. If no ID
and only passport, letter from bank always required;
• Certified copy of member’s ID/passport .
STEP 3: SUBMIT CLAIM
Submit the signed and stamped claim form with the required supporting
documents to Sanlam RFLIPF Walk-in centers in Braamfontein, Durban and
Bellville. Or submit via Fax or e-mail:
Fax: 086 593 0006
Email: [email protected]
THE CLAIMS PROCESS
1.
2.
3.
4.
5.
All documents are received and verified by Sanlam;
Claims are investigated by the trustees to determine the benefit
allocation (in death cases);
Tax calculation is applied;
Bank verification is received;
Payment is made.
FRONT OFFICE ADMINISTRATORS
Email: [email protected]
Toll Free line: 086 173 5473
BACK OFFICE ADMINISTRATORS
Tel: (011) 544 8300
Email: [email protected]
FSP: 18929
RISK BENEFITS ADMINISTRATORS
Email:[email protected]
Tel: 011- 509 3000
Road Freight and Logistics Industry Provident Fund
Disclaimer:
In cases where communications and Fund rules differ, the RFLIP Fund rules will apply
HOW THE FUND WORKS
HOW THE FUND WORKS
BENEFITS
Every month, you contribute 10% of your wages or salary towards the
Provident Fund.
When you leave the Fund (retire or resign) you will receive your total
retirement savings (Fund Credit) that will
be paid as a cash lump sum.
In addition, the employer contributes 10% of your wages (on your behalf )
to the Fund. A portion of this contribution goes towards your retirement
savings and a portion is used to cover your risk benefit costs, such as
death, disability and funeral benefits.
WAITING PERIOD
100% OF MEMBER’S CONTRIBUTION
IS ALLOCATED DIRECTLY TO
RETIEMENT SAVINGS
Retirement savings are invested by the Fund over the term of membership.
The interest earned through this investment is added to your retirement
savings (fund credit) in the form of annual bonus declarations.
RESIGNATION OR DISMISSAL
If you are moving to another company within the Road Freight
and Logistics Industry your membership will transfer to the new
BENEFITS STATEMENTS
company and you will continue to be a member of the Fund and
will continue to contribute to the Fund. If you have NOT left the
Audited benefit statements are distributed annually.
CONTRIBUTIONS
Payments are made after all required supporting documents
have been received and the claim has been approved.
industry you remain a member of the Fund even though you
EMPLOYERS’ CONTRIBUTION COVERS
RISK BENEFITS AND CONTRIBUTES A
PORTION TO RETIREMENT SAVINGS
are now working for a new employer. Your fund savings will
Please check your payslip for the exact
amount you are contributing
The Fund Rules state withdrawal benefit shall become payable
therefore not be paid out.
within a period of 6 months provided that you shall be entitled
RISK BENEFITS
RETIREMENT
BENEFITS
to a lesser period of not less than 3 months which period shall
Normal retirement age is 65 but you may retire early from age 55.
At retirement you will receive your total retirement savings as a
cash lump sum or you may purchase a pension from an approved
insurer.
be approved by the Board or Trustees or its delegated officials.
Waiting period for resignation, voluntary retrenchment, end of
contract, absconded and dismissal is 6 months.
Disability benefit pays out if you are disabled due to accident or
illness and are unable to perform your own or similar occupation.
The benefit is 2 x Annual Wages/Salary.
Funeral benefit pays out to cover the funeral costs if you and/or
any of your immediate family members die.
NAME YOUR BENEFICIARIES
Employer Contributes 10% (A portion of the employer’s
You should (at least once a year) complete or
update the Nomination of Beneficiary form.
Up to date beneficiary information helps trustees
distribute your death benefit.
BONUS ALLOCATION
REGISTER FOR TAX
Member Contributes 10% (100% of your member contribution is
Death benefit pays out to your dependants or beneficiaries if you
die while an active member of the Fund.
The benefit is 2 x Annual Wages/Salary.
invested for you by the Fund.)
contribution goes towards the various costs including risk benefits and the
remainder is invested for you by the Fund.)
The growth accumulated form the invested contributions is allocated
annually to you in the form of an annual bonus declaration.
The Bonus amounts for the past 2 years are:
• 13% for 2013
• 10% for 2014
FNB HOUSING LOANS
Members can now apply for pension backed housing loans to purchase
a property or renovate their homes.
For more information contact the FNB call centre on 0860762278
Without a tax number the fund can’t pay your
claim, even death claims require the member to
be registered for tax before payment can be made.