Making a Claim

Claim Process for Benefits

There are a number of reasons for members to claim withdrawal benefits. Listed below are the only reasons that we accept for claiming withdrawal benefits.

• Retirement,
• Early Retirement (ceasing work due to ill health or redundancy and aged over 55 years),
• Total and Permanent Disability,
• Withdrawal by Contract Worker and
• Prepaid Funeral Benefit.

Only the following claims may be made under the insurance policy.

• Death;
• Terminal iIlness; and
• Dismemberment and Major Burns Benefit.

Should you wish to make a claim under any of the above criteria, claim forms are available from the CINSF office or click here to download.

Other information required when submitting a claim:

Prepaid Funeral Benefit claim

1. Completed prepaid funeral benefit claim form,
2. Deceased birth and death certificate,
3. Applicant birth certificate and / or passport,
4. Authorised Representative birth certificate and / or passport.

Retirement

1. Completed claim form.
2. Provide a valid passport or birth certificate.

Death

1. Completed claim form,
2. Passport of claimant and deceased,
3. Copy of birth certificate of deceased,
4. Original death certificate of deceased,
5. Marriage certificate (if applicable),
6. Letters of Administration (if applicable),
7. Will and Probate (if applicable),
8. Declaration of Family History.

Entitlement to an insured death benefit is determined when processing the death claim.

Early Retirement

1. Completed claim form,
2. Provide valid passport or birth certificate,
3. If early retirement is due to Serious Illness, a member must provide evidence that they have been absent from employment through illness for six consecutive months and medical evidence that they are unlikely to ever engage in employment for reward in any occupation,
4. If early retirement is due to redundancy, a member must provide evidence from their former employer.

Total and Permanent Disability

1. Completed claim form,
2. Medical Certificate describing the member’s disability and evidence that they have been absent from employment through injury or illness for six consecutive months,
3. Provide valid Passport or Birth Certificate of the Applicant,
4. Letter from Employer advising of employee’s status (if applicable).

Withdrawal by Contract Worker

1. Completed claim form,
2. Provide passport,
3. Letter from Employer advising contracted dates and/or copy of contract (if required),
4. Confirmation of departure.

Claims under the Insurance Policy (effective as at 1 July 2015)

Terminal Illness

1. Completed claim form,
2. Certificate from a Medical Practitioner certifying that the member has an illness that is likely to result in the death of the member within 12 months of the diagnosis.
3. Provide valid passport or birth certificate of the applicant,
4. Letter from Employer advising of employee’s status (if applicable).

Dismemberment and Major Burns Benefit

1. Completed claim form,
2. Certificate from a Medical Practitioner certifying that the member has suffered by accident, dismemberment and / or major burns. Dismemberment, as set out on page 11, must have resulted within 100 days of such accident.
3. Provide valid passport or birth certificate of the Applicant,
4. Letter from Employer advising of employee’s status (if applicable).

Benefits payable under the Group Life Insurance Policy may change from time to time. Please contact the CINSF Office for further information.