Managing a disability claim isn’t just about the money—it’s about the process. In our previous post, we looked at the financial gap during the waiting period. Now, let’s talk about the governance backbone that ensures the claim actually succeeds. Many disability claims fail not because the employee isn’t sick, but because the paperwork was filed late or incorrectly. As an HR manager, your goal is to make the process “boring”—because in disability management, boring is beautiful. […]
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The “Waiting Period” Crisis: Is Your HR Team Ready for the Gap?
In most South African group disability schemes, there is a period—usually 3 to 6 months—between the moment an employee becomes disabled and the moment the insurance benefit actually kicks in. This is the Waiting Period, and it is often the most stressful “episode” in an HR manager’s career. Without a clear Disability Management Policy, this gap becomes a collision of payroll, legal risk, and people management. HR is often left asking: Do we keep paying them? […]
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Retirement Funds are Getting a “Smartphone” Upgrade
For the last 20 years, the rules governing how your retirement fund is managed were stuck in 2002. Think of it like a Nokia 3310: it was reliable and did the basics, but it wasn’t built for a world of cyber threats, instant data, and high expectations. That changed recently with the introduction of the FSCA Conduct Standard 2 of 2025. This new regulation officially “retires” the old rules and moves your retirement fund into the […]
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COFI: Why This New Law is Great News for Your Retirement Savings
You might have heard the term “COFI” buzzing around the financial news lately. No, it’s not a new artisanal coffee blend—it stands for the Conduct of Financial Institutions Bill. While the name sounds like a snooze-fest, for you as a retirement fund member, it is actually a major win. Think of COFI as a “Quality Control” upgrade for the entire financial industry. It’s designed to ensure that the institutions looking after your hard-earned money are held […]
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Active vs. Passive Investing: Which Strategy Wins?
If you’ve been following our recent series, we’ve dived deep into the worlds of Hedge Funds and Active Management. But a fundamental question remains for every investor: Should you pay for a professional to “beat the market,” or simply aim to “match the market” at a lower cost? Understanding the trade-offs between Active and Passive management is key to building a portfolio that actually works for you. The Strategy: Hands-On vs. Hands-Off Active Management: Think of […]
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