Many guardians have asked this question because they are concerned about what would happen to the member and the money in the beneficiary fund or trust, should the guardian pass away.

If you are the guardian or caregiver of a member, make sure your family knows what to do should you die.

Also read the article in this issue, about the importance of having a Will because you can say in your Will who should take over from you as guardian or caregiver.

When a guardian has to change, follow the steps below:Once the family decides who the new guardian/caregiver will be, you must send the beneficiary fund/trust:

• The death certificate of the deceased guardian/caregiver, if the guardian/caregiver died: Or

• If the guardian/caregiver changed: An affidavit from the old guardian/caregiver saying that they no longer take care of the member.

AND

• An affidavit from the new guardian/caregiver saying that they will now be taking care of the member. The affidavit must also indicate who the members are, giving their full names and dates of birth, as well as reasons for change of guardianship/caregiver.

• The new guardian/caregiver’s banking details and original certified identity document/passport,

• An affidavit from a third party, preferably a family member or tribal authority, stating who the new guardian/caregiver is.

For the purpose of this newsletter we use the term members when we refer to both beneficiaries of Trusts and members of Beneficiary Funds. When we use the term guardians, we refer to both guardians and caregivers.

These documents can be emailed, faxed, posted or dropped off at one of Fairheads walk-in client centres or a TEBA Ltd branch.

AUGUST 2018

Let’s Talk

What to do when a

dies or changesGUARDIAN/CAREGIVER

Most people want to leave their possessions and money to their loved ones. In order to make sure that happens with the least problems and delays, you should draw up a Will.

What happens when you die without a Will? When you die without a Will, you die ‘intestate’ – this means that your possessions are dealt with , according to the laws of our country.

Some problems may arise if you die without leaving a Will, for example:• Your assets may not be left to the person/s you choose.• It can take a longer time to have an executor appointed.• The executor who is appointed may be somebody you would

not have chosen.• There could be extra and unnecessary costs.• There could be unhappiness and conflict among members of

your family as family members that you may not have been close with may inherit.

What makes your Will valid?

The Will must:• Be in writing (handwritten, typed or printed)• Be signed by you at the end of the Will• Must be dated• Be signed in the presence of two or more witnesses (anyone

older than 14 years, if competent to testify in a court of law)• If the Will has more than one page, each page must be signed

Important points• You should have two witness signatures on

each page of the document. • The person who is nominated as Executor

should not sign your Will as a witness. People who stand to inherit should not sign as witnesses, as this will disqualify them from inheriting.

• Update your Will whenever your situation changes – e.g. divorce, children born, financial situation drastically changes, etc.

• If you are the guardian or caregiver of a member of a beneficiary fund or trust, it would be wise to state in your Will who should take over guardianship if you should die.

• Fairheads does not draw up Wills and the beneficiary fund or trust doesn’t either.

• Some banks draw up your Will for free. You can download an example of a last Will and testament from the Legal Aid South Africa website or you can get an easy-to-complete Will form from a stationery shop. If you need help, you may want to consult a lawyer.

• Once you have drawn up your Will, keep it in a safe place, and tell someone that you trust where to find it.

We asked Megan Rank, Fairheads’ Legal Manager to tell us why it is important to draw up a Will.

Protect your loved onesDRAW UP A WILL

Always have yourID or Passport

with you

Your reference code is very important

when you visit one of our walk-in offices or call the

contact centre.

We must see the guardian or member’s ID or Passport

before we can discuss confidential information.

Clients from Mozambique, Lesotho and Swaziland – please have the employee number of the deceased

person.

Your reference code is how we identify the member or beneficiary account when you call the contact centre or send in a request.

Write your reference code on all documents you send to Fairheads and include it in your emails so that your requests are not delayed. Some

requests cannot even be considered because there is no name or reference to identify the member or guardian.

Reference codes appear on all documents send from the beneficiary fund or trust. See the example of what it looks like below.

EXAMPLEOur Reference: FBF-SEFAR/2354-001

GUARDIAN WORKSHOPS 2018Fairheads Benefit Services will be hosting beneficiary fund and trust workshops for guardians, caregivers and beneficiaries/members of Funds administered byFairheads.

The aim of the workshops is to explain how beneficiary funds and trusts work, give updates on processes and to explain the channels of communication available to guardians, caregivers, beneficiaries/members.

SHARECALL: 0860 102 919 CPT: 021 410 7800 JHB: 010 005 5291/2/3 DBN: 031 368 9260 SANDTON: 011 883 9755www.fairheads.com E-Mail: queries@fairheads.com Fax: 021 410 7998 or 086 219 0778

Funds administered by Fairheads Benefit Services

Fairheads Benefit Services (Pty) Ltd is an authorised financial services provider FSP 18428

SACCAWU National Beneficiary Fund & SACCAWU National Trust

Fairheads Umbrella Beneficiary Fund & Fairheads Umbrella Trust Mineworkers

Trust FundNBC Umbrella Beneficiary Fund

& NBC Umbrella Trust

Momentum Umbrella Beneficiary Fund

MPUMALANGADATE22 August23 August24 August25 August

DAYWednesdayThursdayFridaySaturday

VENUE From 9am to 1pmPLACEGOWE PRIMARY SCHOOL HALL, Gowe Village (close to Dilokong Hospital)CHURCH OF THE NAZARENE, Manyeleti Road, Hluvukani (next to Viva garage or satellite Police Office)KEMPVILLE HALL, Mohamebia StreetLILIAN NGOYI CENTRE, Corner Walter Sisulu Road & Kiewit Street (next to Lilian Ngoyi Stadium)

DriekopAcornhoekPiet RetiefEmbalenhle

KWAZULU NATALDATE12 September13 September14 September15 September

DAYWednesdayThursdayFridaySaturday

VENUE From 9am to 1pmPLACEUMUZIWABANTU MUNICIPALITY HALL, 10 Murcion Street, Harding 4860 (Next to FNB)AMANZIMTOTI CIVIC CENTRE, Corner Huchinson & Riverside RdNEWTOWN C COMMUNITY HALL, 795 Umshado RdWEMBEZI MULTIPURPOSE HALL, A Section Wembezi (next to Wembezi High School)

HardingAmazimtotiInandaEscourt

EASTERN CAPEDATE1 October2 October3 October4 October5 October6 October

DAYMondayTuesdayWednesdayThursdayFridaySaturday

VENUE From 9am to 1pmPLACEMQANDULI TOWN HALL, Main street ERF23 (next to Cash Build)LIBODE TOWN HALL, opposite Department of Justice in B Nomandela Drive (big hall, blue in colour) ELLIOTDALE TOWN HALL, Mbhashe Local Municipality (next to police station)NGQELENI TOWN HALL, Armstrong Street (next to police station)TRC HALL, Erf 227, Bell Street (behind municipal offices)NANGOZA JEBE HALL (Centenary Hall), 135 Moduka Road, New Brighton 2

MqanduliLibodeElliotdaleNgqeleniIdutywaPort Elizabeth

Hospitality and General Umbrella Beneficiary Fund

HGUBF

Beneficiaries/members 15 years and older welcome at the workshops!

Bahlokomeli babangata khale babotsa potso ena hobane banale matsoenyeho ahore hotla etsahalang ka Ngwana le tshelete yahahe e eleng letloleng la melemo, ha akahlokofala.

Fa ole mohlokomeli kapa moemeli wa ngoana, yetsa bonnete bahore balelapa baya tseba hore baetseng fa oka shoa.

Hape bala sehlooho se makasineng ena, mabapi le bohlokoa ba ho ba le Wili hobane u ka ngola ho Wili hore kemang yatlileng ho nka boikarabelo moraho hao jwale ka mohlokomeli kapa moemeli.

Hang ha ba mohlokomeli a tlamehile a fetoloe, latela mehato elatelang:

Ha balelapa banka qeto ya hore mohlokomeli/moemedi e tlaba mang, o tlamehile horomela letlole /tshebeletso ea tshepo:• Setifikeiti sa lefu sa mohlokomeli/mothusi, haeba

mohlokomeli/mothusi a hlokofetsi: Kapa

• Haeba mohlokomedi / mothusi a fetotswe: Lengolo la bopaki ba boikano le tswang ho mohlokomedi wa kgale / mothusi le bolelang hore ha ba sa hlokomela setho.

LE

• Lengolo la bopaki ba boikano le tswang ho mohlokomedi /mothusi e motjha le bolelang hore jwale o tla hlokomela setho.Lengolo lena la bopaki ba boikano le lokela ho bontsha hore bajalefa ke bo mang, ka ho fana ka mabitso a bona a felletseng le matsatsi a tlhaho, esita le mabaka a phetoho ya bohlokomedi.

• Dintlha tsa banka tsa mohlokomedi / mothusi e motjha le khopi ya sethatho ya boitsebiso / phasepoto.

• Lengolo la bopaki ba boikano la motho wa boraro, ka ho qolleha e ka ba setho sa lelapa kapa Morena, le bolelang hore mohlokomedi e motjha e se e le mang.

Tokomane tsena lika romelwa ka fax, poso, kapa marang rang (email) kapa tsa ikisetswa ho engwe ya li ofise tsa Fairheads kapa Teba.

Ke lokela ho etsa eng ha

e hlokahala kapa a fetoha?MOHLOKOMEDI/MOTHUSI

AUGUST 2018

Ha Re Bue

Boholo ba batho bo batla ho siya maruo a bona le tjhelete ho baratuwa ba bona. Ho etsa bonnete ba hore hona ho etsahala ntle le mathata ditiehiso, o lokela ho etsa Wili.

Ho etsahala eng ha o shwa ntle le Wili? Ha o shwa ntle le Wili , o shwa ‘o sena matla hodima maruo a hao’ - ho bolela hore maruo a hao a sebetswa, ho ya ka melao wa naha ya rona.

Mathata a mang a ka hlaha ha o ka shwa ntle le Wili, ho tea mohlala:• Matlotlo a hao a ke ke a siuwa ho motho/ batho bao o ba kgethang.• Ho ka nka nako e telele hore moabi wa dithoto a kgethwe.• Moabi wa dithoto ya kgethuweng e ka ba motho eo o neng o sa tlo

mo kgetha.• Ho ka ba le ditjeho tse eketsehileng kapa tse sa hlokahaleng.• Ho ka ba le ho se thabe le kgohlano hara maloko a lelapa la hao

jwaloka maloko a lelapa ao o sa kang wa ba haufi le bona ba ka rua.

Ke eng se etsang hore Wili ya hao e phethahale?Wili e lokela: • Hore e ngolwe (e ngolwe ka letsoho, e thaepuwe kapa e

porintuwe)• E saenwe ke wena qetellong ya Wili • E be le mohla • E saenwe botenng ba dipaki tse pedi kapa ho feta ( e mong le

emong ya moholo ho feta dilemo tse 14, haeba a kgona ho paka lekgotleng la molao )

• Haeba Wili e na le maqephe a fetang bonngwe, leqephe le leng le le leng le lokela ho saenwa

• O tlameha ho ba le mesaeno ya dipaki tse pedi leqepheng le leng le le leng la tokomane.

• Ho bohlokwa ha eba motho ya thontsweng jwaleka Moabi wa dithoto a sa saenele Wili ya hao jwaleka paki. Hape tlohela ho kopa maloko a lelapa ho saena jwaleka dipaki, haholo ha eba ba ka emela ho rua.

• Ntjhafatsa Wili ya hao ha maemo a fetoha - mohl. tlhalo, tlhaho ya bana, boemo ba ditjhelete bo fetohang ka sekgahla, jj.

• Haeba o le mohodisi kapa mofani wa tlhokomelo ho leloko la letlole la melemo, ho ka ba bohlale ho hlakisa Wiling ya hao hore ke mang ya tla nka bohlokomedi haeba o shwa.

• Dibanka tse ding di o etsetsa Wili mahala. O ka daonelouda mohlala wa Wili ya hao ya ho qetela le testamente ho tswa websaeteng ya Legal Aid South Africa kapa o ka fumana foromo ya Wili e tlatswang ha bonolo ho tswa lebenkeleng la dibuka tse ngollang. Haeba o hloka thuso ,o ka batla ho rerisana le ramolao.

• Hang ha o se o entse Wili ,e boloke sebakeng se bolokehileng.

• Hlokomela: Fairheads ha e etse Diwili le letlole la melemo kapa bahlokomedi ba letlole le ha e le e le nngwe ya tsona.

Re botsitse Megan Rank,Motsamaisi wa Semolao wa Fairheads ho re bolella hore na ke hobaneng ho le bohlokwa ho etsa Wili

Tshireletsa baratuwa ba hao,ETSA WILI.

O tlamehile ho ba le bukana ya tsibiso

kapa passport ka nako tsohle

fa o etela dikantoro tsa rona kapa o

reletsetsa.

Nomoro ya haho ya referense e bohlokwa haholo

Re tlamehile ho bona bukana ya tsibiso ya mohlokomedi

wangwana kapa ya Mong wa ditshelete pele fa re ka bua ka dintlha tsa sephiri. Baemedi baba hlahang Mozambique, Lesotho le ko Swaziland – re kopa le be le nomoro ya ho sebetsa ya moshwi (nomoro

ya makhuluskop).

Nomoro ya haho ya referense e bohlokwa haholo Nomoro ya haho ya referense ke yona e re thusang ka hore retsebe hore

ke mang mong wa letlole fa o re letsetsa kapa o re romelela dikopo.

Kwala nomoro ya haho ya referense mo mangwalong kaofela o waromelang ha Fairheads o kwale le mo emailing hore kopo ya haho e seka ya nka sebaka. Dikopo tsedingwe ha di lebelelwe ka hone ho

sakwalwa lebitso kapa nomoro ya reference ka hone re sa tsebe hore ke mang monga kopo eo.

Nomoro ya reference e hlahelela mo mangwalong kaofela a a hlahang mo letloleng la ditshelete tsa ngwana.

SEKAIReferense ya rona: FBF-SEFAR/2354-001

Dintlha tsa bohlokwa

Abagadi abaningi baye babuze lo mbuzo ngoba bayakhathazeka ngalokho okuzokwenzeka kwilungu lemali nemali yelungu kwisikhwama somhlomulo noma kwi-trust, umakushona umnakekeli. Uma ungumgcini noma umnakekeli welungu, qiniseka ukuthi umndeni wakho uyazi ukuthi mele benze njani ma ushona. Futhi funda isihloko kulencwadi, mayelana nokubaluleka kokuba ne-Will ngoba ungasho kwi Will yakho ukuba ngubani okufanele athathe kuwe njengombheki noma umnakekeli.

Uma umndeni uthatha isiqumo sokuba ngubani ozoba ngusingamzali/umnakekeli, kumele nithumele kwiskwama se-beneficiary fund:

Uma kumele umondli ashintshe, landela lezi nyathelo: • Uma kushona umondli/umnakekeli: isiTifiketi sokufa

sakamufi usingamzali/umnakekeli: NOMA

• Uma kushintshwa usingamzali/umnakekeli: I-Affidavit ephuma umondli/umnakekeli omdala eshoyo ukuthi abasanakekeli indlalifa.

Futhi

• I-Affidavit ephuma kusingamzali/umnakekeli omusha esho ukuthi yibona abazobe benakekela indlalifa. I-Affidavit mele isho ukuthi ngobani amalungu, amagama abo ngokuphelela kanye nosuku lokuzalwa, kanye nesizathu sokuba umondli/umnakekeli ashintshwe.

• Umondli/imininingwane yebhanki yomondli/umnakekeli omusha kanye nomazisi/ipasippot eqinisekisiwe

• I-Affidavit evela kwiqembu lesithathu, kungaba ilungu lomndeni noma igunya lobuzwe, esho ukuthi ngubani umondli/umnakekeli omusha.

Lemininingwane / lamaxwebhu angathunyelwa ngeposi / isikhahlamezi (fax) / imeyili noma uyowashiya emahhovisini akwa Fairheads noma uTeba LTD branch.

Kumele ngenzenjani uma

eshona noma eshintshwe?UMONDLI/UMNAKEKELI

AUGUST 2018

Asikhulume

Abantu abaningi bafuna ukushiya izinto zabo nemali kwabathandekayo babo. Ukuze uqiniseke ukuthi lokho kwenzeka ngaphandle kwezinkinga nokuchitheka kwesikhathi, kufanele ubhale i-Will.

Kwenzekani uma ufa ungenayo i-Will? Uma ufa ungenayo i-Will, ufa ‘intestate’ – lokhu kusho ukuthi izinto zakho kusetshenzwa ngazo, ngokwemithetho yezwe lethu.

Kungase kuphakame izinkinga ezithile uma ufa ungenayo i-Will, ngokwesibonelo:• Izimpahla zakho zingase zingashiywa kumuntu (noma kubantu)

obakhethayo.• Kungase kuthathe isikhathi eside ukuba kukhethwe obhekele

ukwabiwa kwefa lakho.• Obhekele ukwabiwa kwefa lakho okhethiwe kungase kube umuntu

obungeke umkhethe.• Kungaba nezindleko ezengeziwe nezingadingekile.• Kungaba nokungajabuli nengxabano phakathi kwamalungu

omndeni wakho njengoba amalungu omndeni okungenzeka ukuthi wawungasondelene nawo engase athole ifa.

Yini eyenza i-Will yakho isebenze?

I-Will kumelwe:• Ibhalwe phansi (ngesandla, ngomshini noma iphrintwe)• Isayinwe nguwe ekugcineni kwe-Will• Kumelwe ibhalwe usuku• Isayinwe kukhona ofakazi ababili noma abengeziwe (noma ubani

oneminyaka engaphezu kuka-14, uma ekwazi ukufakazi enkantolo yomthetho)

• Uma i-Will inamakhasi angaphezu kwelilodwa, ikhasi ngalinye kumelwe lisayinwe

• Kufanele ube namasignesha ofakazi ababili ekhasini ngalinye ledokhumenti.

• Kungcono kakhulu ukuba uMuntu okhethwe ukuba abhekele ukwabiwa kwefa lakho angayisayini i-Will yakho njengofakazi. Futhi gwema ukucela amalungu omndeni ukuba asayine njengofakazi, ikakhulukazi uma ezokwabelwa ifa.

• Lungisa i-Will yakho noma nini lapho isimo sakho sishintsha – isb. udivosa, kuzalwa abantwana, isimo esingokwezimali sishintsha kakhulu, njll.

• Uma ungumnakekeli obambele umzali noma ungumnakekeli wempilo welungu lesikhwama sezindlalifa noma i-trust, kuyoba ukuhlakanipha ukuba usho kuyi-Will yakho ukuthi ubani okufanele athathe indawo yakho njengomnakekeli uma kwenzeka ufa.

• Amanye amabhange akubhalela i-Will mahhala. Ungadawuniloda isibonelo se-Will kuyiwebhusayithi ye-Legal Aid South Africa noma ungathola i-Will okulula ukuyigcwalisa esitolo sezincwadi. Uma udinga usizo, ungase uthande ukuxhumana nommeli.

• Uma usuyibhalile i-Will yakho, yigcine endaweni ephephile.

• Phawula: Abakwa-Fairheads abawabhali ama-Will futhi isikhwama sezindlalifa noma i-trust naso asiwabhali.

Sicele uMegan Rank, uMphathi Wezomthetho wakwa-Fairheads ukuba asitshele ukuthi kungani kubalulekile ukubhala i-Will.

Vikela abathandekayo bakho,bhala i-Will.

Kumele ubene I.D. noma

ipasipoti yakho

Ikhodi yerefensi yakho ibalulekile kakhulu

njalo uma uvakashela ihovisi lethu noma ushayela

isikhungo sethu socingo.

Kumele sibone umazizsi noma ipasipoti yomgcini noma ilungu ngaphambi kokuba sixoxe ngolwazi

oluyimfihlo.Kuma klayenti

aseMozambique, Lesotho kanye nase Swaziland - sicela ube nenombolo yesisebenzi

somuntu owashona.

ikhodi yakho yereferensi yindlela esibheka ngayo ilungu noma i-akhawunti yomzuzi uma ushayela isikhungo sethu socingo noma

uthumele isicelo.

Bhala ikhodi yakho yereferensi kuzo zonke izincwadi ozithumelayo kuFairheads bese uyifaka

kuma imeyili akho ukuze izicelo zakho zingabambezeleki. Ezinye izicelo azikwazi ngisho nokucatshangelwa uma kungekho gama noma

ireferensi yokukhomba ilungu noma umbheki.Amakhodi wereferensi avela kuzo zonke izincwadi ezisuka

kwisikhwama somhlomulo noma kwi trust.

ISIBONELOIReferensi yethu: FBF-SEFAR/2354-001

Amaphuzu abalulekile

EASTERN CAPEBizanaButterworthEncgoboFlagstaffHarding King Williams TownKokstadLusikisikiMatatieleMount FletcherMount FrereMthathaQueenstownUmzimkulu

FREE STATEBotshabeloSterkspruitWitsieshoekWelkom

GAUTENGJohannesburg

KWAZULU NA-TALIngwavumaMkuzeNongomaUlundi

LIMPOPOGiyaniLebowakgomoSibasa

MPUMALANGABurgersfortBushbuckridgeEvanderMalalaneWitbank

NORTHERN CAPEKuruman

NORTH WESTGanyesaKlerksdorpMafikengPhokeng/RustenburgTaungCarltonvilleZeerust

*Note: All the offices highlighted in red are closed on Saturdays.

You can now visit a TEBA Ltd branch to collect, fill in and hand in documents that you

need to send to Fairheads.

BOTSWANAMolopololePalapye

LESOTHOButha ButheLeribeMafetengMaseru MohaleshoekMokhotlongQachas NekQuthing Teyateyaneng

MOZAMBIQUEChibutoChokweMaputoMaxixeXai Xai

SWAZILANDMbabaneNhlangano

The Contact Centre operates:

Monday to Thursday 07:30am to 5:00pm Friday 07:30am to 4:30pm

CAPE TOWN15th Floor, 2 Long Street

Tel: 0860 102 919

DURBAN199 Anton Lembede Street

(formerly Smith Street), Embassy Building,22nd Floor, Office no. 2217

Tel: 031 368 9260

SANDTONGround Floor, Block C,

Vunani Office Park 151 Katherine StreetTel: 011 883 9755

JOHANNESBURG26 Ameshoff Street

(corner Ameshoff & Melle Street), BraamfonteinTel: 010 005 5290/1/2/3

Fax: 086 219 0778 or 021 410 7998E-Mail: queries@fairheads.com

Walk-in centres are open to client visits Monday to Friday, 9am to 4pm.

WALK-IN CENTRES

STAY IN CONTACT WITH US

FASTER BETTER!Email is

and