Fillable Death Claim Guide To help you claim after (Law for All South Africa)

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Death Claim Guide To help you claim after (Law for All South Africa)

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SDC001E
Sanlam 06/2014
Licensed Financial Services and Registered Credit Provider (NCRCP43) 1
Death Claim Guide
To help you claim after a client has died
In this guide you will find an explanation of how to claim when a client has died. It will tell you what information
you need to provide us with so we can give you the benefits you might be entitled to.
How to claim: Step by step
Making a claim doesn't have to be complicated.
This guide is designed to help you every step of the way. Whether you're the next of kin, family member, or the
person who is responsible for claiming and distributing the client's assets, we are here to help you through the
process. The guide covers the following steps:
What the claimant does Steps to follow
Step 1: Where to start
Step 2: Obtain documents and complete the forms
Step 3: Send us the documents or contact us
Step 4: Sanlam considers the claim
Step 5: Sanlam requires more information
Step 6: Sanlam finalises the claim
Other sources of information and advice
DEPARTMENT OF HOME AFFAIRS
The death must be reported to your nearest Home Affairs office. When reporting the death at Home Affairs they
will provide you with the official death certificate. To find your nearest home affairs office, or online information
about the Department of Home Affairs.
Web http://www.home-affairs.gov.za
Tel 0800 60 11 90
E-mail csc@dha.gov.za
MASTER OF THE HIGH COURT
All estates must be registered at the Master of the High Court. For more information about the process or to find
the nearest office:
Web www.justice.gov.za
Tel (012) 315 1111
SDC001E
Sanlam 06/2014
Licensed Financial Services and Registered Credit Provider (NCRCP43) 2
SANLAM TRUST : ESTATE ADMINISTRATION SERVICES
Estate administration can be a complicated and lengthy process if not approached with the help of a
professional. Sanlam Trust, a fully-fledged trust company, offers expert administration of solvent deceased
estates countrywide and will be able to assist you with the administration of an estate where the deceased did
not leave a Will or where the Will nominates a family member or surviving spouse as executor.
Contact Sanlam Trust for a quote at:
www.sanlam.co.za
Bellville (021) 947-4401 Pretoria (012) 470-0020
Durban (031) 300 0844 Nasionaal (021) 947-6392
SanlamTrust@sanlam.co.za
Step 1
Where to start
To start the process for death benefits, you can:
Ask your Sanlam adviser or broker to assist you.
Visit your nearest Sanlam office.
Call us on 021 9163456. Our Death Claims Call Centre is available weekdays from
8:30 am to 4:00 pm.
Contact the estate administrator to help you through the process.
Visit our Claims web page at www.sanlam.co.za.
You can submit and track a claim via the web.
The relevant forms to be completed can be obtained from these sources.
SDC001E
Sanlam 06/2014
Licensed Financial Services and Registered Credit Provider (NCRCP43) 3
Step 2 Obtain documents and complete the forms
Sanlam needs a certified copy of the official death certificate for all claims. This is the most
important document to start the claim process.
If the death was due to unnatural causes
There is a Police report available from Sanlam that you must give to the South African Police Services (SAPS)
official, to whom the death was reported, to complete.
Different products require different documents
Depending on the product the client had with Sanlam, additional documents may be required. Contact our Death
Claims Call Centre if you are uncertain about which product or benefits the client had.
Funeral and other immediate expenses on Matrix Risk policies
Additional to the death certificate and Police statement (if the cause of death is unnatural) we require the
Notification of death (BI-1663) completed by the doctor who certified the death. Sanlam also reserves the right
to request a medical certificate from the family doctor.
Clients with a retirement annuity policy
If the member of a retirement annuity dies, the distribution of the death benefit is subject to section 37C of the
Pension Funds Act. The Board of Trustees of the fund is bound by legislation to determine all the client’s
potential dependants. Therefore Sanlam require these additional documents:
Form for details of dependants (retirement funds).
Last will and testament of the client.
If there is no will, we require an affidavit stating this.
Personal income tax number of deceased.
Without this information the processing of the claim will be delayed.
How to certify a document
Make a copy of the document. Take the copy and the original to your nearest Commissioner of Oaths (for
example police station) to be certified. The commissioner will stamp and sign the copy of the document.
What to do when the deceased did not set-up a last will and testament?
The next of kin must obtain the Next of Kin Affidavit (form number J192) at the Magistrate or Master of the High
Court. The form must be completed by the person who will administer the estate of the deceased. The
completed form must be handed in at the Master of the High Court.
What is a Letter of Executorship/Authorisation letter and where do I get it?
The Master of the High Court issues a letter of Executorship/Authorisation letter to appoint a person (next of kin,
attorney or estate administrator) to act on behalf of the estate.
Sanlam requires the letter of Executorship/Authorisation letter and the bank details of the estate if money is
payable to the estate.
Complete the forms
You need to complete the Death Claim form – Application for a death claim. If the deceased had a funeral
policy, you must also complete the Funeral Claim form.
Identifying the correct forms
Each Sanlam form has a number on the top right of each page. The form number of the forms are as follows:
Death Claim form – Application for a death claim (SLDC001E)
Funeral Claim form (SLFC001E)
Details of dependants – Retirement Funds (SLDC004E)
Police report (SLDC002E)
SDC001E
Sanlam 06/2014
Licensed Financial Services and Registered Credit Provider (NCRCP43) 4
Step 3
Send us the documents or contact us
Once you have completed the form(s) and obtained the documents explained in step 2, send it back to us.
To ensure that you have all the right documentation, you can use the checklist at the back of the guide.
You can send the information back to us by:
Fax – Our fax number is 021 947 3989.
Hand in at the nearest Sanlam office.
E-mail us at deathclaims@sanlam.co.za.
Write to us at Policy Death Claims, PO Box 1, Sanlamhof, 7532.
Asking your Sanlam adviser or broker to assist you to complete the forms and send it to us.
You can submit and track the claim via our web page - www.sanlam.co.za.
SDC001E
Sanlam 06/2014
Licensed Financial Services and Registered Credit Provider (NCRCP43) 5
Step 4 Sanlam considers the claim
Sanlam prides itself in a fair claim consideration process. We will consider the claim based on the information
that you gave us.
Once we have all the information that we need, we will inform you of the outcome of the claim within 10 to 15
working days. We cannot process your claim unless we have received all outstanding documents.
For Funeral and other immediate expenses (DSF1) we strive to consider the claim within 48 hours on receipt of
all required documents.
If you are unhappy with the outcome of the claim, you can send an appeal to us in writing. We will reconsider a
claim based on the information you provide.
Possible reason why a claim can be declined
The client left out important information or provided inaccurate information when applying for the product.
The cause of death does not entitle the client to receive the benefits.
The person responsible for the premium payments did not pay the premiums regularly.
There were periods when the policy did not provide cover.
Suicide within 24 months from cover start date.
Reasons why no money is payable on a policy
The client was only the premium payer on the policy. We will arrange for new debit order or stop order
details.
The client was only the owner or cession-owner on the policy and the policy therefore needs to continue. The
policy then forms an asset in the estate. The executor of the estate must complete a notice of cession form
to appoint a new owner.
The client was one of the lives insured on the policy and the policy only pays at the death of the last surviving
insured.
The client received an income on the policy and the income is only payable until death.
Step 5 Sanlam requires more information
As soon as the claim is received we will determine if more information is required. We will inform you by:
phone,
e-mail,
fax, or
letter.
We will inform you of our decision within 10 to 15 working days after the additional information was received.
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Sanlam 06/2014
Licensed Financial Services and Registered Credit Provider (NCRCP43) 6
Step 6 Sanlam finalises the claim
Additional payment information for policies that are not retirement annuities and other retirement
fund benefits
We will pay the money directly to the appointed beneficiary as soon as the claim has been finalised. If no
beneficiary is appointed the money is payable to the estate.
If a policy has been ceded to an individual or institution as collateral security (known as a cession), we have to
pay the proceeds to the cessionary to settle the outstanding debt. This cessionary has to pay the balance, if
any, to the beneficiary or estate.
If the policy has been ceded by way of an outright cession, the policy belongs to the individual or institution to
which it was ceded. The life insured is not allowed to appoint any beneficiary. Only the cessionary may deal
with the policy.
Payment of a claim for Retirement Annuities and other retirement fund benefits
The Board of Trustees is responsible to decide who should receive the money. They take into consideration all
dependants before they make a decision. The client, who died may have appointed a nominee. The Board of
Trustees will take the nominees (if any) in consideration when identifying the dependants.
When making decisions the Board of Trustees will take several factors in consideration, including but not limited
to:
The wishes of the deceased.
The age of the dependants and nominees.
The extent of the dependency of a dependant upon the deceased.
The relationship of the dependants and nominees with the member.
The financial position of the dependants and nominees.
Any future earning potential and prospect of the dependants and nominees.
Therefore depending on the client's personal circumstances (married, divorced, etc.) further documents must be
provided as mentioned in the Form for details of dependants (retirement funds).
Retirement fund benefits do however not form part of the estate and therefore it cannot be left to someone in a
will.
If the client did not have any dependants or did not appoint any nominees at the time of death, the proceeds will
be paid to the estate 12 months after date of death, in terms of the Pension Funds Act.
All retirement benefit funds are taxable.
SDC001E
Sanlam 06/2014
Licensed Financial Services and Registered Credit Provider (NCRCP43) 7
Claim check list
Call us on 021 916 3456.
Our client Death Claims Call Centre is available weekdays from 8:30 am to 4:00 pm.
Sanlam policy holder information
Client's policy number(s)
Client's identity number
Client's tax number
What reference number did Sanlam give you?
Step 1: Where to start
The name of the Sanlam adviser or broker
Telephone number of adviser or broker
Step 2: Obtain documents and complete forms
Death certificate
Will of deceased
List of potential dependants
Divorce order and settlement
(if applicable)
Letter of Executorship
Other forms
The forms are completed
The date the forms were completed
Step 3: Send us the documents or contact us
The documents were sent to Sanlam
The date the documents were sent
Step 4: Sanlam considers the claim
General comments
Step 5: Sanlam requires more information
The documents were sent to Sanlam
The date the documents were sent to Sanlam
Step 6: Sanlam pays the claim
The date the payment was made
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Death Claim Guide To help you claim after (Law for All South Africa)

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Completed 30 January 2021

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