Disability Cover


Disability Cover

We take care of you when you cannot work - no matter how long you are away from your job

FedGroup’s Capital Disability Cover takes care of you when you need it most

If an Employee’s injury or illness renders him or her permanently and totally incapable of performing the material and substantial duties of his or her own or any other occupation, our Capital Disability Cover can come to the rescue.

Income Disability Cover

FedGroup’s Capital Disability Cover pays members a monthly income if they become injured or ill to such an extent that they’re temporarily or permanently prevented from doing their job, until they recover, reach the Benefit Expiry Age or pass away.

Retirement Fund Contribution WaiverMedical Scheme Premium Waiver
A percentage of the Employee’s salary is paid towards retirement funding.Medical scheme premiums including the savings component is paid.
This percentage includes the cost of the Group Risk Cover and administration of the Retirement Fund.The disabled Employee must be the principal member on the medical scheme.
Vocational Rehabilitation Services
Vocational Rehabilitation Services is a platform to help the disabled employee recover a standard of independence and reintegration into their working environment.
For the initial 12 or 24 months specified, the Employee will be assessed according to the progress of recovery and their inability to perform their regular occupation with their own Employer.
Thereafter, FedGroup Life will assess the Employee's ability to perform their regular or any other occupation, both with their own or any other Employer with reasonable continuity. The assessment takes into account the degree of disability, as well as the knowledge, training, education, ability, experience and age of the Employee.

Contact us to enquire about disability cover for your employees. We also provide group life, critical illness, funeral, and education trust cover, as well as pension funds for staff of companies in South Africa.