March 2017 Issue 1 2017 POLICY RENEWALS...

Class XIII

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A change to TemporaryTotal Disablement

Benefit

Update your banking details to ensure

quick and smooth payments

Fuel Retail Industry Supplementary Services

March 2017 Issue 1

2017 POLICY RENEWALS PERIOD CLOSES

RMA NEWSLETTER ISSUE 4, MARCH/APRIL 2017

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CONTACT RMA: Tel: 0860 222 132, Email:[email protected], Fax:086 022 2132, Fraud Line: 0800 21 22 56

As we come to the end of March, so too have we reached the deadline for the renewal of your COID policy for 2017.

Premium payments and the submission of earnings must be completed by no later than 31 March 2017 in order to remain in good standing with RMA.

If you have ticked all three of the above boxes you will remain in good standing with RMA and therefore:

2017 Policy Renewals Period Closes

2017 COID Policy Renewals Period Closes:

Have you submitted your actual earnings (payroll costs) for 2016? (For the period: 1 March 2016 – 28 February 2017)

Have you submitted your projected earnings for 2017? (For the period: 1 March 2017 – 28 February 2018).

Have you paid your 2017 COID premium invoice received from RMA, or made the relevant payment arrangements with RMA?

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LETTEROF GOOD STANDING

You will receive a Letter of Good Standing (LOGS) for the year, expiring 31 March 2018 (or as per the payment agreement). If you have not received your LOGS, it is also available for download on the online member portal at http://randmutual.co.za/online-services/.

You will have peace of mind that your staff will be well covered in case of an accident.

We would like to thank all clients who have remained compliant and therefore in good standing with RMA and we look forward to taking care of you and your staff during 2017 and beyond.

Please note that any premium payments outstanding after 31 March 2017 will incur interest in line with section 86.2 of COIDA.

Kindly note that the Compensation Fund’s Return of Earnings extension is not applicable to RMA clients, and the deadline for submissions remains 31 March 2017.

Ticked all of the above boxes?

RMA NEWSLETTER ISSUE 1, MARCH 2017

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In line with a recent change made by the Compensation Fund, Temporary Total Disablement (TTD) benefits are now paid from the day of the accident as from 1 January 2017.

Temporary Total Disablement (TTD), or income replacement benefit, is the payment of an employee for his days off work while injured, or while recovering from his work-related injury.

TTDs are only paid if the employee is off work for more than three days, is undergoing medical treatment and has been

A change to Temporary Total Disablement Benefit

TTD Process

booked off by the treating doctor either by means of a medical report or a sick note.

In line with the Compensation for Occupational Injuries and Diseases Act (COIDA), RMA has previously paid TTDs from the day after the accident but has in 2017 adjusted the benefit in line with the decision taken at the Compensation Fund.

Payment made to employee from date of accident until employee is back at work

Date of Accident

Employer pays Employee TTD = up to 3 monthsIf RMA accepts liability, employer is reimbursed

Employee Back at Work

> 3 days < 12 months

The employer is liable for the TTD payment for the first three months from the date of the accident. Once RMA has accepted liability for the claim, the employer is reimbursed.

The employer claims the money from RMA monthly by submitting TTD claims with the supporting medical report or sick note either electronically (to [email protected]) or via the online member portal.

Payments continue for the duration of the treatment, but should not continue for more than a year. If the TTD continues beyond 12 months, RMA may reassess the claim and the possibility of continuing the payment for a determined period. TTDs continuing for more than 24 months may be considered permanent disablement.


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RMA needs your banking details for any Periodical Payments (such as the TTD example below) or for reimbursements of medical costs, that you may have paid upfront for one of your employees, related to the accident.

• Days off: Temporary Total Disablement (TTD), also known as a temporary income replacement benefit or days off benefit, pays 75% of the employee’s earnings at the time of the accident (subject to minimum and maximum amounts in terms of COIDA).

Days off are paid by the employer and claimed back from RMA. These should be claimed monthly from RMA and must be accompanied by a medical report or sick note confirming the days booked off from work.

• Medical costs are usually claimed directly by the healthcare provider, however, there are occasions where the healthcare provider may insist on upfront payment. In such cases, the employer can claim back the medical costs from RMA. RMA will reimburse to the amount prescribed by COIDA.

To submit or update your banking details, please submit: • Cancelled cheque; or• Letter from the bank confirming banking details - not

older than three months.

These documents can either be uploaded directly onto the online member portal or submitted to [email protected].

RMA needs the injured employee’s banking details for payment of compensation awards which are paid directly into their bank account by EFT.

Injured employees are highly dependent on the compensation they receive from RMA and in order to ensure that they get their money timeously, we encourage you to submit their banking details to us as soon as possible.

RMA requires the following information:• A completed RMA Bank Details form that is stamped by

the bank. • A letter from their bank confirming their banking details -

not older than three months.• The employee’s banking details should be captured

and signed off on the Statement of Earnings or any other official document that is submitted by the payroll department. These should be signed and stamped by the person responsible for payroll details who must include their name and designation on the document.

If you are supplying these documents on behalf of your injured employee, they can either uploaded onto the online member portal or submitted to [email protected]

Employers Injured employees

It is important that you keep your banking details updated with RMA, both for the company as well as for your injured employees. Here’s why:

UPDATE YOUR BANKING DETAILS TO ENSURE QUICK AND SMOOTH PAYMENTS

Carletonville branch move

Our Carletonville branch is moving to new premises to better service you. The branch will be moving in late May and by 1 June 2017 we will be ready to welcome you into our fresh new premises.

New details:Address: To comeTel: 0860 222 132


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How are these services classified under COIDA?

If your service station offers these supplementary services to clients, you may wonder how these are categorised in terms of the Compensation for Occupational Injuries and Diseases Act (COIDA).

The simple answer is that if these supplementary services fall under the same employer and are offered on the same location, then they will fall under the dominant business. In other words, as the fuel retail industry is categorised under Class XIII (iron, steel, artificial limbs, galvanising, garage, metals and related industries), these will all fall under Class XIII.

This means that all these services should be included as part of your registration with RMA as a single registration under the main business entity. Therefore, when declaring earnings to RMA, these workers must be included.

Any claims relating to these workers will then also fall under RMA.

What if the supplementary services do not fall under one employer?

In this scenario, the fuel retailers would fall under RMA and any separately owned services would fall under the Compensation Fund (CF) and would be required to deal with the CF directly. Please note however that car washes are currently classified under Class XIII.

What if the staff working in the supplementary services are not employed by the fuel retailer?

In this scenario, the earnings of the staff should not be declared as part of the fuel retailer but by the relevant employer. For example, if the staff working at a Woolworths Food store at an Engen are employed by Woolworths and not by Engen,

then these staff should be included in Woolworths’ declaration to the CF. Similarly, if they get injured, they would claim directly from the CF.

In this scenario, we urge you to request a Letter of Good Standing from the relevant employer to ensure that the staff operating on your premises are covered in the case of an accident.

FUEL RETAIL INDUSTRY SUPPLEMENTARY SERVICES AND COIDA COMPLIANCE

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Several years ago, a filling station was just that – a simple petrol station with at most a small shop attached. Fast forward several years and the fuel retail industry has diversified and transformed into a one stop convenience solution for clients. Today someone can fill their car, draw money at an ATM, top up their groceries, grab a cup of

coffee and a croissant or even have a sit down meal, all while your car gets washed and cleaned.

Examples include, but are not limited to the following:

a. At an Engen Garage you now find a Quick Shop, Corner Bakery, Woolworths Food, Wimpy or Steers, Equatorial Coffee etc.b. At a Shell Garage you now find a Shell Select, a bakery, Steers, PharmaShop24 etc.c. At a BP Garage you now find a BP Express, a Wild Bean Café, Pick n Pay and a number of restaurants etc.d. At a Caltex you now find a Fresh Stop, Seattle Coffee and a number of take-away options.e. Other fuel retailers also have their own similar arrangements in place.


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Are you receiving information for Class XIII and not sure why, or not even sure what Class XIII is? Or why you pay a different rate?The Compensation Fund has divided the various industries around South Africa into classes in order to group similar businesses and industries together. Class XIII is one such class and includes the iron, steel, artificial limbs, galvanasing, garages, metals and related industries.

These classes are then further divided into sub-classes which group industries together that have a similar risk profile. These sub-classes are individually rated according to their risk profile, and this rate determines their premiums for the year.

The sub-classes for Class XIII are detailed below. If you fall into one of these categories then you are part of Class XIII, which is administered by RMA.

Sub-class Description

1300: Iron and steel productionThis includes processing, quarrying, mining and any other operations linked to iron and steel production.

1301: Foundry product manufacturing and stove manufacturing1331: Artificial limbs, number plates, blinds and other manufacturing

Iron button, buckle, hook, eye, hairpin, metal badge and brooch manufacturing; air-gun pellet manufacturing; leaden toy and novelty manufacturing; solder manufacturing; Venetian blind manufacturing and repairing; artificial limb manufacturing and repairing; and manufacturing of vehicle and other number plates.

1340: Metal tube and furniture manufacturing, galvansing, ship making, welding etc.Metal tube manufacturing; metal furniture, door and window manufacturing; sheet metal products manufacturing; wire, wire spring, wire rope, wire goods, fencing and gate manufacturing; tin container manufacturing; lead pipe manufacturing; blacksmiths (including farriers); iron bedstead manufacturing; cutlery manufacturing and repairing by the manufacturer; scale making and repairing; cycle frame manufacturing; electro-static powder spray painting; metal spraying; derusting of metals; manufacturing of gas producers; electric batteries; accumulator and electrode manufacturing; building and repairing of ships (does not include fiber glass, wooden or sailing ships) including repairs to ships (while moored to the quay side, anchored in the harbor, roadstead or while undergoing trial runs); chain manufacturing; aluminum products manufacturing and installation; welding; galvanising; metal products manufacturing including saw doctors; lighthouse and marine lighting engineering; and metal or engineering works not classified elsewhere but excluding structural steel erection or steel reinforcing operations.

1350: Electric cable and safety razor blade manufacturing1360: Motor car assembly including all related operations1361: Motor garaging and aircraft repair

Motor garaging, including the servicing and repairing of motor vehicles; motor vehicle scrap yards; automotive electrician; petrol and oil filling station; locksmithing; aircraft repairing and servicing; parking attendants; new and second hand motor vehicle dealerships; motor vehicle hiring if repairs are undertaken.

1363: Motor body building, panel beating and car radiatorsWagon, coach, carriage and motor body building; panel beating and spraying; motor car radiator manufacturing and repairing.

What is Class XIII?


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The first spinal cord injury (SCI) patient was successfully rehabilitated at the facility and their spouse trained in how to correctly care for them moving forward. In addition, there have been several amputees who have been reviewed and participate in refresher rehabilitation at the facility during the past year.

Urological reviews have also been implemented at the facility which is expected to reduce the cost of transportation and admission to other facilities.

The year in numbers:

Celebrating a year of CareOn the eve of the Rand Mutual Care Facility’s first birthday, we reflect back on a year of care and the difference that this facility

has brought to the lives of not only RMA pensioners but more recently to patients from client partners.

The 120-bed custodial and care facility built in Welkom, which was officially opened by Labour Minister Mildred Oliphant on 18 April 2016, brought to realisation a long-cherished dream for RMA. In fact, the Minister was so impressed with the facility at the launch that the Compensation Commissioner and delegates from the Department of Health visited the facility again during 2016 to investigate the model with the view to setting up similar structures around SA. Representatives from Namibia similarly visited the centre to view the model.

Staff and community engagement with custodial care pensionersThe Care Facility residents have been embraced by the Welkom and surrounding community, which has meant that the resident and visiting pensioners have enjoyed everything from carol singers at Christmas and games days with local schools to participating in (and winning!) the local wheelchair road race.

Weekends have become competitive at the centre with regular foosball table and basketball matches taking place. In addition, the residents have enjoyed many celebrations including Christmas lunch with family, puzzle and games days, a spring braai and father’s day.

The facility also sports a vegetable garden, lovingly cared for by permanent resident, William Sitsheke and ably assisted by wound care patient, Moliboea Lekhetheloa, who hopes to one day teach others gardening skills. The first vegetables were planted at the beginning of the summer season and while the garden is still only producing small quantities at present, the produce has already benefitted the kitchen and been enjoyed by the other residents.

“I enjoy gardening very much but my biggest challenge is competing with the birds and insects for my crops,” says Mr Sitsheke.

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45,764

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135 201

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The number of custodial care RMA pensioners treated at the facility.

The number of meals prepared and served.

The number of Anglo Gold Ashanti pensioners moved to the facility in February 2017, demonstrating the facility’s competency as a highly suitable alternative to other care and rehabilitation centres.

The number of wound care patients treated.

The number of pensioner medical reviews conducted at the facility.

The average length of stay for wound care patients.

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Upcoming developmentsAs part of RMA’s approach to holistic rehabilitation, the existing APD facility and workshop area were renovated to accommodate a Goodwill shop and the upgraded workshop. The workshop aims to reskill and assist injured individuals who are no longer able to continue with their employment due to their injury. It will give these individuals an opportunity to be reskilled and reintegrated into economic activity, ensuring they maintain a sense of purpose.

The skills workshop is due to officially open in the second quarter of 2017.


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Highlights from the yearThe key highlight was the launch of the facility in April 2016. The launch included a number of dignitaries from the Departments of Labour, Health and Mineral Resources, the Office of the Compensation Commissioner, executives representing several leading companies, The Chamber of Mines, organised labour, as well as the Chairman and Board of Directors of RMA.

During Disability Rights Awareness Month an advanced prosthetic workshop was held at the facility in November 2016 by prosthetics partner, Marissa Nel and Associates, and was another day to be celebrated. Icelandic prosthetist and

orthoptist, Professor Anton Johanneson, demonstrated new prosthesis techniques that drastically shorten rehabilitation time post amputation and help to improve mobility. Also speaking at the event was Paralympic gold medallist Ernst van Dyk. Four people benefitted from the workshop by being presented with prosthetics casted and fitted using the new technique.

Also taking place during Disability Rights Awareness Month, children from the Amari School were treated to Santa Shoeboxes while Ernst van Dyk repaired their wheelchairs at the facility as part of an outreach programme.


Upcoming events:Need training on RMA’s online member portal, C-Filing? Then come join us:

Polokwane: 5 April – RSVP by 31 MarchVanderbiljpark: 10 April – RSVP by 4 AprilWelkom: 11 April – RSVP by 4 AprilNelspruit: 12 April – RSVP by 4 AprilKimberly: 13 April – RSVP by 4 AprilPretoria: 17 April – RSVP by 10 AprilJohannesburg: 8 May – RSVP by 28 April Johannesburg (Emperors Palace): 24 April – RSVP by 11 April

Bloemfontein: 18 April – RSVP by 11 AprileMalahleni: 20 April – RSVP by 11 AprilCape Town: 20 April – RSVP by 11 AprilGeorge: 21 April – RSVP by 11 AprilVryheid: 25 April – RSVP by 18 AprilDurban: 26 April – RSVP by 18 April

RSVP to [email protected]

March 2017 Issue 1 2017 POLICY RENEWALS...

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