The Federated Employers Mutual Assurance Company (RF) (Pty) Ltd (“FEM”) is licensed to conduct non-life insurance business.


The Fundamental Human Right to Health & Safety at Work

The right to health and safety at work is a fundamental human right. Globally, there are robust laws, as well as industry regulations and occupational safety best practice rules in place to ensure the safety of workers. The International Labour Organization describes occupational health and safety (OHS) as “the discipline dealing with the prevention of work-related injuries and diseases, as well as the protection and promotion of the health of workers”. Many companies, particularly those in comparatively high-risk industries (such as construction, manufacturing and mining) have dedicated health and safety officers, and in larger organisations, health and safety committees, to ensure adherence to safety laws and regulations. South Africa’s Occupational Health and Safety Act, 1993, requires the employer to bring about and maintain, as far as reasonably practicable, a work environment that is safe and without risk to the health of the workers.

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Effective Collaboration is Imperative to Overcome the Education Crisis in South Africa

South Africa’s education system is in dire need of support. Top education researchers have found that a third of primary school students in South Africa can be categorised as “functionally illiterate”. A 2023 report released by the Centre for Development and Enterprise (CDE), an independent policy research and advocacy organisation, explains that (adjusting for post-COVID learning losses), it is now thought that 82% of Grade 4 learners cannot read for meaning. The CDE report, ominously titled The Silent Crisis, reveals shocking statistics showing that, despite significant public expenditure, South Africa remains at the bottom of all international tables on learning outcomes in reading, mathematics, and science. The report references concerning statistics by the Progress in International Reading and Literacy Study (PIRLS) that reveals that 78% of 10-year-olds in South Africa “cannot retrieve explicitly stated information and make straightforward inferences”.

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FEM Rolls Out Financial Literacy Project For Pensioners

November 2023, Johannesburg – This month, the Federated Employers Mutual Assurance Company (RF) Proprietary Limited (FEM) hosted a Financial Literacy programme in Kidd Beach, East London. The training was aimed at FEM pensioners i.e., policyholder employees who receive compensation for severe occupational injury, disease, or death on duty. A total of 169 employees attended the session, they were trained on how to better manage their finances, including practical ways to take control of money affairs. The sessions form part of a larger project by FEM that plans to reach a number of stakeholders across South Africa.

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FEM’s Zero Is No Accident Campaign Heightens Awareness for Workplace Health and Safety

10 November 2023, Johannesburg. This month, the Federated Employers Mutual Assurance Company (Rf) (Pty) Ltd (FEM) will heighten awareness around workplace health and safety through their ongoing Zero Is No Accident campaign. FEM is a mutual insurer that provides workmen’s compensation cover to the construction industry. The Zero Is No Accident initiative, initially launched in April 2022, seeks to educate and mobilise employers and employees to improve workplace health and safety and reduce accidents, while enabling full COIDA compliance in the construction industry.

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FEM Education Foundation Collaboration for educational change

The FEM Education Foundation (FEMEF) is an NPO established in 2016 as a landmark CSI initiative by the Federated Employers Mutual Assurance Company (RF) Proprietary Limited (FEM) and its policyholders. It focuses on making meaningful, positive, systemic change in education and leadership in South Africa.

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