Service · Claims
When the worst happens, we sit beside them.
Death, disability, dread disease — we drive the paperwork, chase the insurer, and stay with the family until the claim is paid.
01
What it means
A claim is the moment a benefit either delivers on its promise or fails everyone involved. We act as the family's advocate — gathering documents, liaising with the fund, the insurer and the trustees, and making sure beneficiaries actually receive what was promised.
02
Who it helps
- Families navigating a death or disability claim for the first time
- HR teams who shouldn't have to be claim administrators
- Trustees making Section 37C beneficiary allocation decisions
- Beneficiaries unsure of their rights or next steps
03
Common employee questions
What happens when I die — who gets my money?
Your retirement fund death benefit is allocated by trustees under Section 37C. Your beneficiary nomination guides them, but doesn't bind them. We help you nominate properly and explain the process to your family.
How long does a claim take to pay out?
Group risk life cover usually pays within weeks once documents are in. Retirement fund death benefits take longer — typically 6 to 12 months — because of the Section 37C process. We keep it moving.
What do I do if a claim is rejected?
We review the rejection, escalate to the insurer, and where needed, take it to the FAIS Ombud or Pension Funds Adjudicator on the family's behalf.
04
Employer outcomes
- →Families supported in their hardest moment — by name, not by ticket
- →HR removed from the middle of grief and paperwork
- →Higher claim approval rates because cases are properly prepared
- →A track record your staff will hear about long before they need it
Make sure the cover you bought actually pays out.
Talk to us about how Ember handles claims for the staff you're responsible for.
Discuss claim support