The Federated Employers Mutual Assurance Company (RF) (Pty) Ltd (“FEM”) is licensed to conduct non-life insurance business.


FEM provides compensation for construction workers, who are covered under FEM policyholders, as a result of severe occupational injury, disease or death whilst on duty.

Pensions are awarded to:

  • Injured employees of our policyholders.
  • Widows/Widowers.
  • Children who are dependents of deceased employees.

The award is based on a disability ranging from 31% – 100% as per medical reports. Pensions do not form part of the injured or deceased employee’s estate.

The pension pay-out is not affected by:

  • The employee returning to work,
  • or the spouse of the deceased employee getting re-married.

The pension payable is terminated at the end of the month in which the pensioner died.

The pension payable to any children is terminated at the end of the month in which the child reaches the age of 18. The pension might be extended on request, until they have completed their education.

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