Funeral cover

No matter which risk cover option you choose, as a member of the LA Retirement Fund, you and your immediate family members automatically qualify for the default funeral cover outlined in option 1 below.

With effect from 1 August 2016, the LA Retirement Fund has introduced a flexible funeral cover benefit design. When you join the LA Retirement Fund you have the “once-off” opportunity to select the option that best suits your needs and budget.

Please note that the decision you make is final and irrevocable. If no selection is made on becoming a member, the default option will be applied.

MemberR30 000R40 000R55 000
SpouseR30 000R40 000R55 000
Qualifying children* 14 years and olderR30 000R40 000R55 000
Qualifying children* 6 years and older but younger than 14R20 000R20 000R27 500
Qualifying children* younger than age 6R10 000R10 000R10 000
Stillborn children**R5 000R5 000R10 000
New monthly (Wef 1 July 2022)R53.22R70.90R97.48

*A qualifying child means a child who is 21 years or older, but under the age of 26 years, such child is a full-time student at an educational institution, meaning that he/she must be enrolled for at least 75% of the standard course load of a course that is normally done on a full-time basis, and that he/she must actively participate in such course.

**A child is classified as stillborn if the child at least 26 weeks from gestation.

When and to whom is a benefit paid?


In the event of your death in-service, a benefit is paid directly to whomever you have nominated to receive the benefit. For this purpose, please ensure that you complete a funeral benefit beneficiary nomination form and always ensure that the details are updated as and when your personal circumstances change as this benefit is paid strictly in accordance with your wishes. In the absence of a beneficiary nomination form, the insurance benefit will be paid to your estate.

Please note:

  • Beneficiaries must be 18 years of age or older.
  • If you are in a co-habiting relationship, your partner can only be listed if neither you nor your partner are married.
  • If you are married to two or more people, qualifying spouse shall mean:
    • Only the spouse you have confirmed in writing or
    • In the case of multiple confirmations, only the spouse with whom you joined in marriage first.
  • Once a spouse has been confirmed, the confirmation remains in force for as long as you are married to the listed spouse.
  • If the member dies, the family remains covered to the end of the month in which the member died.

Should your nominated beneficiaries predecease you, the funeral benefit will paid to your estate.
In the event of the death of one of your insured immediate family members, the funeral benefit will be paid directly into your bank account.

The funeral benefit is paid within 48 hours after the Fund receives a completed claim form and all other required documents.

The funeral benefit includes a repatriation benefit which means that the body of the insured will be transported, at no cost, to their place of burial from anywhere inside the borders of South Africa.

Voluntary extended funeral scheme

In addition to the funeral cover for yourself and your immediate family, the Fund now offers you the option of taking out affordable funeral cover for your EXTENDED FAMILY MEMBERS through its cost effective voluntary extended family funeral scheme provided by Sanlam.

Click here to find out more


Click here to access the necessary forms.

You must be in it to win

On page 3 of the December 2022 Member Newsletter, we announced a competition, where you could win a prize.

All you need to do is have your photo taken next to the Fund’s calendar and/or poster and send it to us. The competition closes on Tuesday, 31 January 2023.

Please send the photo to:

Email: [email protected]

WhatsApp: 081 778 0923

When sending in the photo, please tell us your name, your pension number or identity number and which municipality you work at. Please note that subject to the discretion of the Fund, all or some of the pictures submitted, may be published on the Funds’ website and/or on the Funds’ Facebook page.

Hurry to enter the competition, your photo could win the prize!