Employers consider medically boarding when an employee is unable to perform the requirements of their job due to an injury or ill-health. Labour law sets out that there must be fair reason and procedure followed by the employer before an employee can be medical boarded or dismissed due to incapacitation. When all avenues are exhausted,

You might be working for an employer offering disability insurance, and it is most certainly one of the best types of cover for you.  However, it’s a benefit that’s overlooked by many employees. If your income protection benefits are provided as part of group benefits, check whether they are based on your pensionable income, which

Most people think of money when they hear ‘financial legacy.’ But it’s so much more than that.  Money isn’t everything. But it can protect your family’s future if you pass away. Over 70% of South Africans do not have life cover.  This is due party to a lack of financial education and partly to the

Financial Fundamentals – Impact Of Covid-19 On Group Insurance A little Perspective…  Just over a year after the first Covid-19 case was confirmed in South Africa, the number of cases in the country has exceeded 1.6 million. We have had two distinct waves of infections and deaths during that time, with a third potentially on

Global Equity markets continued their rally in December (the MSCI World Index was up +4.2% in USD), but a stronger rand weighed against SA investors’ international investments. In rand terms global equities were down 1%. Despite expectations that global economic output will shrink by 4.4% in 2020 and worries about an acceleration in global COVID-19

The annuitisation of provident funds is the result of Government’s policy to help members secure a better income after retirement. To promote this, provident funds will be treated more like pension and retirement annuity funds. There has long been concern that provident funds not being subject to annuitisation rules has been a major cause of

This Political Research Note was prepared by JP Landman in his personal capacity. JP is an independent political and economic analyst. COVID-19 Vaccine Supply – 21 January 2021 A proverbial storm has developed around South Africa’s procurement, or the perceived lack thereof, of Covid-19 vaccines. People are understandably anxious. JP Landman compiled this note from