OLD MUTUAL SUPERFUND

EASY BENEFIT PLAN

MEMBER GUIDE
Helping you to understand your benefts

IF YOU NEED ANY MORE INFORMATION,
PLEASE CONTACT THE SERVICE CENTRE AT
0860 20 30 40
Please note: This is not a legal document. The
information in this booklet is only a summary of the
Rules of the Old Mutual SuperFund Provident Fund
and various insurance policies. The Rules of the
Old Mutual SuperFund Provident Fund and conditions
in the policy contracts will apply in all cases.
Old Mutual SuperFund Provident Fund
Reg. No. 12/8/20246
1
CONTENTS
1 WHY YOU SHOULD READ THIS BOOKLET 2
2 OVERVIEW OF HOW THE PLAN WORKS 5
Membership 6
Contributions 6
Fees 7
Investment portfolio 7
Beneft payable 8
3 THE BENEFITS IN MORE DETAIL 10
Retirement 11
Withdrawal (resignation, retrenchment, dismissal) 12
Disability 13
Death (including Family Funeral) 16
4 THE TRUSTEES OF THE OLD MUTUAL SUPERFUND PROVIDENT FUND 20
5 KEEPING TRACK OF YOUR ACCUMULATED CREDIT 22
6 RESOLVING DISPUTES 24
7 IN SUMMARY 27
8 WHAT THE JARGON MEANS 29
2
01
WHY YOU SHOULD
READ THIS BOOKLET
3
WHAT MUST I DO IN RETURN?
This Plan has been specially designed to enhance
your fnancial security. It is up to your employer to
forward the contributions to the Old Mutual Super-
Fund Provident Fund and pay the insurance premiums
on your behalf every month. So what should you be
doing?
Apart from reading this booklet to make sure that
you really understand your benefts, it is very
important to inform Old Mutual SuperFund Provident
Fund who your benefciaries are (and make sure that
this information is always up to date) so that they can
receive your death beneft should something happen
to you. Ensure that you complete a Benefciary Nomi-
nation form and that it is returned to your employer.
Your employer can provide you with the relevant form
and inform you about the process.
Old Mutual Easy Beneft Plan is designed to
beneft you. Its really important that you
understand how it works and what your
rights are. Read the booklet and if there
is anything that is not clear, please call us
at 0860 20 30 40.
WHAT DOES THE PLAN DO FOR ME?
Because your employer is participating in the
Old Mutual Easy Beneft Plan, you are now a member
of the Old Mutual SuperFund Provident Fund. You are
also covered by various insurance policies.
This Plan has been set up to provide you and your
dependants with benefts.
If you retire from the Old Mutual SuperFund
Provident Fund.
If you leave the Old Mutual SuperFund Provident
Fund (through resignation, retrenchment or dis-
missal).
If you pass away while you are still working; or
if an immediate family member passes away.
If you are no longer able to work due to health
reasons.
4
HOW WILL THIS BOOKLET HELP ME?
Because making provision for the future is not a
subject many people know about, this booklet has
been written to help you understand the Old Mutual
SuperFund Provident Fund and your benefts.
By understanding your benefts, you will be able to
plan for your fnancial security and retirement. You will
also be able to plan for the fnancial security of your
dependants, should something happen to you.
These are issues that no one likes to think about. But
in many ways this is an opportunity for you to take
control of your fnancial future and make sure that you
and your dependants are always fnancially secure.
Most people feel that they would like more control over their fnancial planning. One good way
to start taking control is to understand your benefts. The next section explains in more detail
how the Old Mutual Easy Beneft Plan works.
HIGHLIGHTS
The Old Mutual Easy Beneft Plan has been set up
to beneft you and your dependants:
The Old Mutual SuperFund Provident Fund
will provide you with retirement savings and will
also pay benefts if you become permanently
disabled or if you pass away.
A Family Funeral Beneft policy (separate from
the Fund) will provide an immediate (normally
within 48 hours of presenting the death
certifcate) beneft to pay for family funeral
expenses.
A Temporary Disability Income beneft will
help your employer pay a portion of your
salary during an extended absence due to
ill health or incapacity.
Funeral support service provides the family
with non monetary support during the death
of a loved one.
Read this booklet so that you understand how
these benefts work.
Tell the Fund and insurer who your family and
benefciaries are and make sure you keep this
information up to date.
5
02
OVERVIEW OF HOW
THE PLAN WORKS

6
MEMBERSHIP
Any existing permanent employees between the age of
18 and 65 may join the Plan and become a member of
the Old Mutual SuperFund Provident Fund. New eligible
employees will automatically become members.
CONTRIBUTIONS
THE MONEY THAT GOES IN
Every month your employer will pay the total con-
tribution on your behalf to the retirement fund
administrator and the insurer. The total contribution
equates to 8.5% of your retirement funding income.
(Your retirement funding income is used to calculate
your contribution amounts and your benefts.)
The 8.5% contribution is split up as follows:
5.2% is paid to the Old Mutual SuperFund Provident
Fund towards your Accumulated Credit. (Your
Accumulated Credit is the total amount of savings
accumulated for your retirement beneft in the
Fund.)
1.87% is paid to the Old Mutual SuperFund Provi-
dent Fund towards lump sum permanent disability
and death benefts provided by the Fund.
0.63% is paid to separate insurance policies that
provide you with a temporary disability Income
beneft and Family Funeral beneft.
0.8% is paid to the Old Mutual SuperFund Provident
Fund to cover various scheme expenses.
Plus!
If you are joining as a new employee you may have
been a member of a provident fund with your previous
employer. If so, you can transfer that amount tax-free
into the Old Mutual SuperFund Provident Fund. This
is a good way of preserving your Accumulated Credit
(No administration fee is charged for transferring funds
to the Old Mutual SuperFund Provident Fund).
Please contact your adviser/intermediary or our Ser-
vice Centre if you are unsure about this decision. It is
a very important decision that can have a signifcant
impact on your future fnancial well-being.
Plus!
You can make voluntary contributions of your own, to
boost your Accumulated Credit. Remember, the more
you save now, the better.

7
FEES
THE MONEY THAT GOES OUT
As indicated above, 0.8% of retirement funding in-
come is paid to the Old Mutual SuperFund Provident
Fund to cover various expenses such as administration,
distribution and brokerage costs.
In addition, an administration fee of R20 per month,
inclusive of VAT, is deducted from each members
savings account.
Your Accumulated Credit is invested in the Old Mutual
Absolute Stable Growth Portfolios.
The following fees are levied on this investment
portfolio:
A Capital Charge of 0.70% per annum that covers
the cost of the 80% capital guarantee provided to
members, and
A Management Fee of 0.65% per annum that
covers the cost of the ongoing management of
the investment portfolio.
INVESTMENT
PORTFOLIO
Your Accumulated Credit is invested in the Old Mutual
Absolute Stable Growth Portfolio.
This investment portfolio targets a long-term return
of CPI + 5.5 % (net of guarantee charges; gross of
investment management charges and tax) over rolling
3-year periods.
It provides an 80% guarantee level on capital.
Investment earnings are distributed via monthly-in-
advance bonus declarations.
EXAMPLE
For an employee whose retirement funding income is R1000 per month, the contributions and fees are as
follows.
% R
Retirement savings* 5.20 52.00
Insured benefts provided by the Fund 1.87 18.70
Insured benefts provided via separate policies 0.63 6.30
Scheme Expenses 0.80 8.00
Total Employer contributions 8.50 85.00
* Gross amount to retirement savings R52
less R20 administration fee -R20
equals net amount to retirement savings R32
8
EVENT
When you retire
Normal retirement is at age 65,
but you can retire from age 55 to
age 70 (by agreement with your
employer)
If you resign or are retrenched/
dismissed
If you become temporarily disabled
(temporary disability 1 month
waiting period)
If you are found to be permanently
disabled
(6 month waiting period; after
payment of beneft you will no
longer be a member of the Fund)
AN INSURED BENEFIT
The separate disability Income beneft policy will pay a beneft
to your employer. Your employer will then pay this beneft to
you after the deduction of your normal retirement contribu-
tions, etc. Paid for up to 5 months; Monthly beneft of one-twelfth
of 75% x annual retirement funding income; Maximum annual
retirement funding income of R180 000. Maximum monthly bene-
ft is R11 250.
Pre-existing medical conditions prevalent in the 6 months
before cover commences will not be covered for 12 months
after cover commences.
Defnition of occupational disablement is Any Occupation with
Any Employer for a driver, pilot, security guard or sea-going
fsherman, and Own Occupation with Own Employer for others.
Waiver of Employer contributions whilst in receipt of Temporary
Disability Income beneft: N/A
Conversion option: N/A
The Lump Sum Disability beneft is paid out to you by the Fund.
This amount is added to your Accumulated Credit and paid out
as a cash lump sum.
Younger than age 50 = annual retirement funding income
x 1.2*
Aged 50 or older = annual retirement funding income
x 0.8*
Maximum annual retirement funding income of R180 000.
Maximum beneft is R216 000 for younger than age 50 and
R144 000 for aged 50 or older.
The Lump Sum Disability beneft for members older than 60
years is reduced by one-sixtieth per month in the fve years
prior to age 65, after application of the maximum benefts.
Pre-existing medical conditions in the 24 months before cover
commences will not be covered for 24 months after cover
commences.
Defnition of occupational disablement is Any Occupation with
Any Employer for a driver, pilot, security guard or sea-going
fsherman, and Own or Any Alternate Occupation with Any
Employer for others.
Conversion option: N/A
ACCUMULATED CREDIT
(Old Mutual SuperFund Provident
Fund value*)
Payable to you as a cash lump sum,
or you may choose to purchase
a monthly pension with all or a
portion.
Payable to you as a cash lump
sum. You could choose to transfer
your beneft to another approved
retirement fund in order to preserve
your Accumulated Credit.
Your Accumulated Credit is paid out
as a cash lump sum.
BENEFIT PAYABLE

9
EVENT
If you pass away while in service
If one of your family members
passes away
*These fgures are subject to yearly changes that will be indicated on the annual statement that you will receive.
Note that the insured benefts are based on annual retirement funding income which is calculated as the sum of the last 12 monthly salaries upon which
contributions have been based. If your membership is less than 12 months at the time of the event, the sum of your monthly salaries upon which contributions
have been based is annualised. The maximum annual retirement funding income for purposes of determining the insured benefts is R180 000. Note also that
all benefts paid are subject to taxation.
AN INSURED BENEFIT
The death beneft is paid out to your benefciaries by the Fund.
This amount is added to your Accumulated Credit and allocated
to your benefciaries by the Trustees. In terms of the Pension
Funds Act the Trustees need to investigate who to pay the
beneft to and so this beneft may take up to 12 months to pay
out to your benefciaries.
Younger than age 50 = annual retirement funding income
x 1.2*
Aged 50 or older = annual retirement funding income x
0.8*
Maximum annual retirement funding income of R180 000.
Maximum beneft is R216 000 for younger than age 50 and
R144 000 for aged 50 or older.
Cover continues whilst in receipt of the Temporary Disability
Income beneft.
Conversion option: N/A
The separate Family Funeral beneft policy will pay out an
immediate beneft equal to R5000 (normally within 48 hours
of presenting the death certifcate) to your employer. Your
employer will then pay this beneft to your immediate family.
No insured benefts are payable if death is due to natural causes
in the frst 6 months of membership.
The separate Family Funeral beneft policy will pay out an
immediate beneft (normally within 48 hours of presenting the
death certifcate) to your employer. Your employer will then pay
this beneft to you.
R5 000 Spouse
R5 000 Child aged 14 - 20 years
R2 500 Child aged 6 - 13 years
R1 000 Child aged less than 6 years [includes stillborn]
No beneft is payable if death is due to natural causes in the frst
6 months of membership.
Cover continues whilst in receipt of the Temporary Disability
Income beneft.
Conversion option: N/A
FUNERAL SUPPORT SERVICE
You and members of your immediate family (i.e. your
spouse and dependent children) will be eligible for this
service. This service has a range of benefts - foremost
among them the provision that, in the event of your
death or death of an immediate family member, the
deceased will be transported from anywhere in the
world to the funeral home closest to the place of burial
in South Africa. If the death has occured in South Africa,
the cost of a family member accompanying the body
would also be covered by the service. Other features
include legal assistance, referral to a pathologist and
psychologist (if required), and discounted funeral
packages with reputable funeral service providers. The
service can be accessed through a 24-hour call centre
operating in all 11 offcial languages.
ACCUMULATED CREDIT
(Old Mutual SuperFund Provident
Fund value*)
Your Accumulated Credit is paid out
as a beneft to your benefciaries as
allocated by the Trustees.
10
03
THE BENEFITS IN
MORE DETAIL
11
RETIREMENT
WHEN CAN I RETIRE?
The normal time to retire is on the frst day of the
month in which you turn 65. However, you may retire
from as early as 55 or as late as 70 (if you and your
employer have agreed to this).
Remember that the earlier you decide to retire, the
less money you will have saved in the Fund. Moreover,
this money will also have to last you much longer.
WHAT DO I RECEIVE WHEN I RETIRE?
When you retire, you will be paid a beneft, which is
made up of your total Accumulated Credit (including
investment return) in the Old Mutual SuperFund
Provident Fund.
Your Accumulated Credit is made up of the monthly
contributions towards retirement savings that your
employer pays to the Fund, less fees. If you decide to
contribute to the Fund this money will also be included
in this amount.
The money that you and your employer contribute to
the Old Mutual SuperFund Provident Fund is invested so
that it can grow. This growth, which is called investment
return, is added to your Accumulated Credit, increasing
your Accumulated Credit and improving your future
fnancial prospects.
HOW WILL MY BENEFIT BE PAID TO ME?
When you retire, you will receive your savings as a
cash lump sum. This will be the full and fnal settlement
from the Old Mutual SuperFund Provident Fund.
As an alternative, you can also choose to receive a
pension. This pension would be bought from an
insurance company, using your Accumulated Credit.
WHAT SHOULD I DO WITH MY LUMP SUM?
The purpose of this lump sum is to provide fnancial
security for you during retirement.
There are a number of ways in which to manage your
lump sum in order to maximise your fnancial security.
You should ask yourself what you and your familys
specifc fnancial and lifestyle needs are. A fnancial
adviser/intermediary can help you make the right
decisions.
WHAT ABOUT TAX?
Your cash lump sum is subject to tax, although a
portion of it will be tax-free.
ACCUMULATED CREDIT AT A GLANCE
Your employer contributes to the Fund.
You may contribute to the Fund.
Those savings, after deducting fees, are
invested.
In the end, the total savings belong to you.
RETIREMENT AT A GLANCE
You normally retire at age 65 (by agreement
with your employer as early as age 55 or as
late as age 70).
At this point, you may choose to receive a
lump sum or to purchase a pension from an
insurer.
Consult a fnancial adviser to help you make
the right decisions.
12
WITHDRAWAL
(RESIGNATION, RETRENCHMENT,
DISMISSAL)
HOW MUCH WILL I GET?
When you leave your employer through resignation,
retrenchment or dismissal you are entitled to a
withdrawal beneft from the Old Mutual SuperFund
Provident Fund. This beneft will be equal to your
total Accumulated Credit in the Old Mutual SuperFund
Provident Fund (in other words, all the employers
contributions towards retirement savings, plus your
contributions and any transfers from previous funds,
plus investment growth, less fees).
The longer the Fund has been accumulating money, and
the greater the contributions, transfers and investment
returns, the more you will get out.
HOW CAN I TAKE MY BENEFIT?
You may choose one of two ways to take your beneft.
You can either:
Transfer it to another approved retirement fund.
This helps to preserve your savings for retirement.
OR
Take your beneft in cash.
Remember that if you choose the cash option you may
signifcantly reduce your future Accumulated Credit.
This is a major decision and we recommend that you
discuss your decision with a licensed fnancial adviser/
intermediary before you act.
WHAT ABOUT TAX?
Remember that your beneft will be taxed if you choose
the cash option.
13
DISABILITY
If you become temporarily or permanently unable to
do your own, or a similar job, for your employer, you
may become eligible to receive disability benefts.
The Old Mutual Easy Beneft Plan makes provision for
two types of cover:
A temporary disability Income beneft provided by a
policy.
A permanent disability beneft provided by your
membership of the Fund.
These benefts have been designed so that if you are
unable to work, they follow a natural progression as
shown in this table:
HOW DOES THE TEMPORARY DISABILITY
BENEFIT WORK?
If you become disabled, or unable to work, your
employer will lodge a Disability Claim with the
administrator of the Old Mutual Easy Beneft Plan.
Once the claim is approved the time will start running
from the date of your disability or incapacity.
During the frst month you will be required to take
normal sick leave and payment for this period is
regulated by your employment contract and the Basic
Conditions of Employment Act.
If, after a month has passed, and you are still unable
to work, the disability income beneft will begin paying
a monthly amount to your employer. This amount
will be equal to one-twelfth of 75% of your annual
retirement funding income over the 12-month period
immediately preceding the start of the waiting period
(with a maximum annual retirement funding income
of R180 000; maximum monthly beneft is R11 250).
Your employer will then make your normal deductions
from this account (such as tax) and pay the balance
out to you as your salary.
This disability Income beneft will pay out for a period
of up to 5 months in any 24-month period. Should
you be able to return to work, fnd other work, reach
normal retirement age or pass away during this time,
this income beneft will cease.
MONTH 1
waiting period - take sick leave
MONTH 2 - 6 (i.e. 5 months)
If found to be temporary disabled the beneft is
paid as a monthly disability income.
MONTH 7
If found to be permanently disabled, beneft
is paid as one cash lump sum (Membership
of the Fund ends and after that no further
contributions or benefts are payable).
14
DISABILITY (CONTINUED)
WHAT SHOULD I KEEP IN MIND IN RESPECT
OF THE TEMPORARY DISABILITY BENEFIT?
Remember that you and/or your employer will
continue to make contributions to the Fund during
the frst 6 months that you are disabled.
All disability beneft claims will have to be approved
by the insurer before they can be processed.
If the disablement is attributable to certain defned
conditions, the claim will be declined. A claim will
be declined if directly or indirectly attributable to
(note that this is not the full list; the policy contract
contains full terms and conditions):
- wilful self-inficted injury, or
- any injury which occurred, illness or condition
which existed or surgical operation undergone
during the 6 months immediately before the date
on which you frst became insured, if disable-
ment happens within 12 months immediately
following this date.
You may have to go for medical examinations, which
will be paid for by Old Mutual.
The disability cover will be paid to your employer,
who will then pass that money onto you as your
monthly salary (minus deductions).
HOW DOES THE PERMANENT DISABILITY
BENEFIT WORK?
In certain cases, six months after your employer lodged
the Disability Claim, it may be found that you are
permanently unable to do your own or any job for any
employer. In other words, you are in the unfortunate
position of not being able to work again.
In such a case, your employer will lodge a Perma-
nent Disability Claim with the administrator of the
Old Mutual Easy Beneft Plan. The Temporary Disability
beneft stops and the Old Mutual SuperFund Provi-
dent Fund pays a beneft to you as follows:
Your Accumulated Credit is added to the insured
Permanent Disability beneft, and paid out to you.
The insured permanent Lump Sum Disability beneft
will be calculated as follows:
If you became permanently disabled and you are
older than 18 years of age but you have not yet
turned 50, the beneft equals 1.2* x your annual
retirement funding income (maximum annual
retirement funding income is R180 000; maximum
beneft is R216 000).
If you became permanently disabled and you are
older than 50 years of age and you have not yet
turned 65, the beneft equals 0.8* x your annual
retirement funding income (maximum annual
retirement funding income is R180 000; maximum
beneft is R144 000).
This beneft will be paid to you as a cash lump sum.
There are a number of ways that you can manage
your lump sum in order to maximise your fnancial
security. You should ask yourself what you and your
familys specifc fnancial and lifestyle needs are. A
fnancial adviser/intermediary can help you make the
right decisions.
* These fgures are subject to yearly changes which will be indicated
on your annual statements.
15

w
WHAT SHOULD I KEEP IN MIND IN RESPECT
OF THE PERMANENT DISABILITY BENEFIT?
All disability beneft claims will have to be approved
by Old Mutual before they can be processed. Be-
tween the ages of 60 years and 65 years, the beneft,
after the application of the maximum amount, is
reduced by one-sixtieth for each month older than
age 60 years.
If the disablement is attributable to certain defned
conditions, the claim will be declined. A claim will
be declined if directly or indirectly attributable to
(note that this is not the full list; the policy contract
contains full terms and conditions):
- wilful self-inficted injury, or
- any injury which occurred, illness or condition
which existed or surgical operation undergone
during the 24 months immediately before the
date on which you frst became insured, if disable-
ment happens within 24 months immediately
following this date.
You may have to go for medical examinations, which
will be paid for by Old Mutual.
Once approved, your membership of the Fund and
participation in the Old Mutual Easy Beneft Plan
will come to an end and no further contributions or
benefts will be payable.
This beneft will be paid to you as a cash lump sum,
subject to taxation.
16
DEATH
(INCLUDING FAMILY FUNERAL)
WHAT BENEFITS ARE PAYABLE?
Old Mutual Easy Beneft Plan provides you with three
types of death benefts:
In the event that you pass away while still in the
service of your employer, a death beneft that consists
of your Accumulated Credit plus life cover, is paid
out to your benefciaries. This beneft is intended
to assist your dependants to support themselves.
In the event that you or a member of your family
passes away, a Family Funeral beneft is paid out
to cover funeral expenses.
In the event that a member of your family or you
passes away, you/your remaining family will have
access to the Funeral Support Services. A full list
of services is described later in this guide.
WHAT DEATH BENEFITS (OTHER THAN THE
FAMILY FUNERAL BENEFITS) ARE PAYABLE
TO MY BENEFICIARIES TO SUPPORT THEM?
Life Cover equal to a multiple of your annual retire-
ment funding income (maximum annual retire-
ment funding income is R180 000).
Your Accumulated Credit as at the date of your
death.
The Life Cover is calculated as follows:
1.2* x your annual retirement funding income if
you die in service between age 18 and 50.
0.8* x your annual retirement funding income if
you die in service aged older than 50 years and
younger than 70 years.
WHAT SHOULD I KEEP IN MIND?
During the frst 6 months of your membership, only
accidental deaths are covered. However, after this
initial 6-month period, deaths from natural causes will
also be covered.
WHO WILL RECEIVE THIS BENEFIT IF I
PASS AWAY BEFORE RETIREMENT?
A death beneft from the Old Mutual SuperFund
Provident Fund is not always paid out according to
your last will and testament. The Pension Funds Act
lays down strict rules that the Fund must follow. This
includes a ruling that the Trustees have to conduct
a thorough investigation to determine who your
dependants are, before they may allocate any beneft.
They must be able to show that they have allocated the
beneft fairly. This may take some time.
The last thing one would wish on anyone is to have
fnancial diffculty while trying to work through the
loss of a loved one. However, because of the lengthy
process that the Trustees must follow before they pay
out your death beneft, it may take longer than you
might think for your dependants to actually receive the
money. Even then, the beneft may not necessarily be
paid out in the way you have indicated on your Benef-
ciary Nomination form. The Trustees will however,
give serious consideration to your wishes as indicated
on your Benefciary Nomination form.
To help the Fund pay your benefts to the right people,
you must nominate dependants or benefciaries to
receive your death benefts. You may change your
nominations at any stage by completing a new Bene-
* These fgures are subject to yearly changes which will be indicated on your annual statements.
Note that your annual retirement funding income for purposes of calculating the beneft above is defned as the sum of the last 12 monthly
salaries upon which contributions have been based. If your membership is less than 12 months at the time of the event, the sum of your
monthly salaries upon which contributions have been based is annualised. Note also that the maximum annual retirement funding income
is R180 000.
17
fciary Nomination form. You can obtain Benefciary
Nomination forms from your employer or the service
centre at 0860 20 30 40.
WHAT FAMILY FUNERAL BENEFITS ARE
PAYABLE?
The Family Funeral beneft helps you pay for a funeral
when you are grieving the loss of a loved one. The
following Family Funeral benefts are payable if you or
one of your family passes away while you are in service
(up to age 70).
WHAT SHOULD I KEEP IN MIND?
During the frst 6 months of membership, only
accidental deaths are covered. However, after the
initial 6-month period, deaths from natural causes
will also be covered.
The beneft will be paid out 48 hours after
Old Mutual has received the necessary paperwork.
Remember, the money in the Fund is yours,
and if you pass away, it belongs to your
dependants! It is very important that the
information you give the Fund is up to date
at all times.
Family member covered Amount
Member R5 000
Spouse R5 000
Child aged 14 - 20 years R5 000
(or 25 if a full-time student)
Child aged 6 - 13 years R2 500
Child younger than 6 years R1 000
(including stillborn baby)
This beneft is subject to the terms of the policy.
18
USING THE FUNERAL SUPPORT SERVICE
The Funeral Support Service is a service provided
by Old Mutual Group Assurance on all its South
African Group Life and Group Family Cover policies,
including policies provided through umbrella funds,
at no additional cost. No monetary beneft is provided
(i.e. this is not a funeral beneft).
The Funeral Support Service provides for the
following:
Transportation of the deceased from anywhere in
the world to the fnal funeral home within South
Africa.
Transportation and accommodation for one family
member accompanying the body where death
occurs within South Africa.
Discounted funeral packages (of up to 35%) with
a network of funeral service providers.
Legal assistance can be arranged to assist with
interpreting the Will of the deceased. This is
limited to assistance that can be provided tele-
phonically.
Advice on all necessary documentation such as
obtaining a death certifcate and cross-border docu-
mentation.
Referral to a pathologist if an autopsy is required.
Referral to a psychologist or psychiatrist for trauma
counselling.
Referral for special counselling relating to the loss
of a child.
Referral to undertakers and providers of other
funeral services e.g. caterers and providers of
tents.
Assistance in fnding a tombstone provider.
Where a service provider is utilised on the basis of a
referral provided by Old Mutual Group Assurance, any
costs incurred will be for the users own account.
How is the deceased transported?
The mode of transport will depend on the specifc
circumstances (e.g. place of death, date of burial).
In all cases, transportation will be carried out with
dignity and respect for the deceased.
Which parlours provide the discounts on funeral
packages?
Old Mutual Group Assurance has a countrywide net-
work of funeral service providers offering discounted
funeral packages. The Funeral Support Service Call
Centre will be able to direct you to the funeral service
provider closest to you where you will be able to
access the discount.
Who is eligible for the service?
Principal members and their immediate family
who belong to a South African Group Life or Group
Family Cover (commonly known as Funeral Beneft
Cover) policy underwritten by Old Mutual Group
Assurance under stand-alone arrangements or um-
brella funds, such as the Old Mutual Easy Benefts
Plan.
Immediate family includes one spouse (whether by
common-law including same-sex partner, civil-law,
customary-law or on religious tenets) and depend-
ent children (biological and adopted) under the
age of 21.
When does eligibility cease?
Eligibility will cease:
If Group Life of Group Family Cover is no
longer provided by Old Mutual Group Assurance
(i.e. moved to another insurer) or,
If the member is no longer eligible for Group Life
and Group Family Cover benefts as a result of
e.g. retirement/retrenchment/dismissal from the
emlpoyers service.
For the immediate family, when Group Life or
Group Family Cover ceases for the member.

19
How can the service be accessed?
Contact the Funeral Support Service Call Centre at
0860 000 500.
The Call Centre operates 7 days a week, 24 hours
a day in all 11 offcial languages.
This is a share-call line number where calls are
charged at local rates.
What do you need to provide in order to claim use
of the service?
Callers must provide the following information in
order to access the service:
Name and identity number of the deceased.
Name and identity number of the principal mem-
ber under the Group Life and/or Group Family
Cover policy (if different from the deceased).
The name of the principal members employer.
Place where death occurred.
Proof of relationship between the deceased and the
principal member:
- A marriage certifcate in the case of a civil-law
spouse or a signed affdavit in the case of a
common-law spouse, customary-law spouse and
a spouse by religious tenets.
- A birth certifcate and a signed affdavit in the
case of a dependent child.
How does Old Mutual prevent fraudulent use of
the service?
The information requested before the service can
be utilised is designed to ensure that only those
who qualify for the service can use it.
In the case were the service is used fraudulently,
Old Mutual can instigate legal proceedings against
the offender.
How does the Funeral Support Service relate to
Group Life and Group Family Cover claims?
Eligibility for the service is not an indication that
the Group Life or Family Cover claim will be paid
out, as this will depend on the validity of the claim.
Immediate family members of the covered em-
ployee are able to utilise the Funeral Support
Service.
You might be wondering who looks after
your Fund and makes sure that you get what
is yours? The people who do this are called
Trustees. The next section looks at their
role - and how they work to help you!
20
04
THE TRUSTEES OF
THE OLD MUTUAL
SUPERFUND
PROVIDENT FUND
21
WHO ARE THE TRUSTEES AND WHAT DO
THEY DO?
The Old Mutual SuperFund Provident Fund is managed
by a Board of Trustees. At least ffty percent of the
Trustees are independent of the sponsor, Old Mutual.
The Board of Trustees is responsible for the day-to-day
management of the Fund. They have to:
manage the Fund in an effcient and transparent
way;
choose investment managers and investments;
impartially distribute death benefts to bene-
fciaries;
communicate regularly with members;
respond to disputes and prevent conficts of interest;
and
know and understand the Rules of the Fund and any
laws that affect the Fund.
One of the ways in which the Trustees fulfll their responsibility of communicating with you
regularly, is to send you a statement of your benefts each year. The next section looks at how
this statement can help you keep record of your Accumulated Credit.
22
05
KEEPING TRACK
OF YOUR
ACCUMULATED
CREDIT


HOW CAN I KEEP A RECORD OF MY
ACCUMULATED CREDIT
Once a year you will receive a member beneft statement
from the Fund. It gives up-to-date information about
the benefts you can expect to receive from the Fund.
The benefts are usually calculated up to the date of
your statement and are based on your retirement
funding income on record with the Fund.
The benefts change from year to year as your salary
and contributions change, and as the investment
returns change.
WHAT MUST I DO WITH MY STATEMENT?
Make sure your personal information on the
statement is correct and inform the Service Centre
immediately if there are any errors or changes.
Think about whether you are making enough
provision for your future or speak to a fnancial
adviser/intermediary if you are unsure.
Keep all your statements in a safe place.
23
24

w
06
RESOLVING
DISPUTES
25

w
WHAT KIND OF THINGS CAN I COMPLAIN
ABOUT?
You can complain about any of the following:
the administration of the Fund
the investment of the Funds money
the interpretation and application of the Funds
rules.
WHAT IF I AM STILL NOT SATISFIED?
If you are not satisfed with the response you receive
from the Trustees of the Old Mutual SuperFund
Provident Fund, to a complaint relating to the
Old Mutual SuperFund Provident Fund, you can then
take your complaint to the Pension Funds Adjudicator.
Send your complaint in writing together with your
personal details, all important information and
any supporting documents, to the Pension Funds
Adjudicator, PO Box 23005, Claremont 7735.
A meeting may be set up with you or a representa-
tive of your Fund, if necessary.
The adjudicator will make his/her decision and
both you and the Fund have six weeks in which to
appeal against his/her decision.
After six weeks, the decision is binding.
WHAT IF I HAVE A COMPLAINT?
Old Mutual Easy Beneft Plan consists of two different
components. Each of these operates under different
regulations and so the procedure you need to follow in
resolving a dispute will depend on the component that
is the source of your complaint.
Old Mutual Easy Beneft Plan consists of the following:
Old Mutual SuperFund Provident Fund that provides
you with retirement savings, permanent lump sum
disability and death benefts.
Separate Insurance policies that provide you with
Temporary Disability income replacement and Family
Funeral benefts.
WHAT IF I HAVE A COMPLAINT THAT
RELATES TO THE OLD MUTUAL
SUPERFUND PROVIDENT FUND
(RETIREMENT SAVINGS, PERMANENT
DISABILITY AND DEATH BENEFITS)?
If you feel that:
the Fund made a decision outside of its powers, or
you were prejudiced as a result of poor fund
administration, or
there was a dispute of fact or the law, or
your employer has not fulflled its duty in terms of
the rules,
You can send your complaint, in WRITING, to the Board
of Trustees. The Board of Trustees should respond to
you, in writing, within 30 days.
Old Mutual SuperFund Provident Fund
Mutualpark PO Box 167
Jan Smuts Drive Cape Town
Pinelands 8000
7405
EasyBeneftPlan@oldmutual.com
26
WHAT IF I HAVE A COMPLAINT THAT
RELATES TO THE SEPARATE INSURANCE
POLICIES (TEMPORARY DISABILITY AND
FAMILY FUNERAL BENEFITS)?
If you feel that:
the insurer has not acted in terms of the conditions
of the policy, or
you are unhappy about the conduct of the insurer,
you can write to our Central Complaints Administra-
tion Unit, PO Box 201, Pinelands 7405, fax number
021 509 0830, or if you are still not satisfed please
contact the Internal Arbitrator, PO Box 80, Mutualpark
7451; or e-mail arbitrator@oldmutual.com.
WHAT IF I AM STILL NOT SATISFIED?
If you are not satisfed by the response of the Inter-
nal Arbitrator, to a complaint relating to the tempor-
ary disability policy or the funeral beneft policy, as a
last resort, you have the right to contact the Ombuds-
man for Long-Term insurance.
Send your complaint in writing together with your
personal details, all important information and any
supporting documents, to the Ombudsman for Long-
Term Insurance, PO Box 45007, Claremont 7735.
The Ombudsman may request further information
from you or the insurer.
The Ombudsman will make his/her decision and
both you and the insurer will have a period in which
to appeal against his/her decision.
After that the decision is binding.
While every effort has been made to ensure that this
Member Guide meets the legislative and regulatory
requirements applicable, should you have any con-
cerns in this regard, please contact the Old Mutual
Retirement Fund Administration Compliance offcer at
0860 20 30 40.
27
07
IN SUMMARY
28
As a participant in the Old Mutual Easy Beneft Plan,
you are a member of the Old Mutual SuperFund
Provident Fund and are eligible for benefts from
various insurance policies.
Having read this Member Guide, you should now have
a better understanding of the important points, which
are:
What benefts you and your benefciaries are entitled
to in the event of:
- Retirement
- Death
- Disability
- Termination of service
What your responsibilities are
How the Old Mutual SuperFund Provident Fund
works
Who manages the Old Mutual SuperFund Provident
Fund
What information you can expect to receive
What to do if you are unhappy
Please also share this information with your family, as
they should know what to expect or do, if something
happens to you.
If you have any further questions, please
contact the Service Centre at
0860 20 30 40.
The offcial Rules of the Fund, fnancial
returns and the most recent actuarial report,
are also available (a small fee is payable)
from the Service Centre at 0860 20 30 40.
29
08
WHAT THE
JARGON MEANS

30
Some of the terms used in this booklet are seldom
used in everyday life, so they may be diffcult to
understand.
Here are explanations of some of the terms to help
you.
ACCUMULATED CREDIT
The total of your savings in the Fund at a given point
in time, consisting of:
all contributions (including contributions by you or
your employer and any transfers into the Fund)
plus
any investment growth
(or minus investment losses)
minus
fees and charges.
ANNUAL SALARY
The salary you receive in a year, as per your employ-
ment contract with your employer.
RETIREMENT FUNDING INCOME
This is the amount of your salary that your employer
records with the Fund for the calculation of your
contributions and benefts. Your annual retirement
funding income will usually be equal to your annual
salary, but sometimes this is not the case. For example,
if you earn a basic salary of R2 000 per month and
commissions equal to R6 000 in the year, then your
annual salary will be the total of your basic salary
plus the commissions, i.e. R30 000 ([R2 000 x 12] +
R6 000), but your annual retirement funding income
may only be equal to your basic salary (R24 000).
All your contributions and benefts will be calculated
using the annual retirement funding income amount.
Note that, only for purposes of calculating the insured
benefts, the maximum annual retirement funding
income is R180 000.
BENEFICIARY
A person who is or becomes entitled to receive a
beneft in terms of the Rules of the Fund and Pension
Funds Act.
There are two types of benefciaries, those that
are nominated by the member and those that are
determined by the Trustees of a Fund to be depend-
ants of the member (whether they have been nomi-
nated or not).
DEPENDANT
A person who, in the opinion of the Trustees is factually
or legally (totally or partially) dependent on the
member for maintenance and support. This includes a
member of the deceased members family who inherits
the liabilities and responsibilities of the deceased. The
Trustees will be guided by the defnition in the Pension
Funds Act and the Rules of the Fund.
A person may qualify as a dependant by virtue of a
legal relationship (e.g. spouse or biological child) or due
to an ongoing support commitment (e.g. step children,
grandchildren and parents). Common or customary
law spouses, spouses in terms of customary law and
ex-spouses may all qualify as dependants.
31
CONTACT DETAILS
Telephone number 0860 20 30 40
Fax number 0860 383 848
E-mail EasyBeneftPlan@oldmutual.com
Postal address Old Mutual Easy Beneft Plan,
Mutualpark, Jan Smuts Drive,
Pinelands 7405.
PO Box 167, Cape Town 8000.
Servicing hours 08:00 to 17:00, Monday to Friday
32
NOTES



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