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


Rehabilitation Services  

The objective of FEM’s rehabilitation management program is to achieve efficient recovery and safe return to work and community of injured or diseased employees of our policy holders through:

Rehabilitation Management

  • Monitoring and coordination of the medical rehabilitation process.
  • Assessment and approval of assistive devices to improve independence.
  • Monitoring and coordination of the vocational rehabilitation process.
  • Reintegrating the employee back to the workplace and the community.

Rehabilitation Authorization

  • Ensuring that adequate rehabilitation, which may include Occupational Therapy, Physiotherapy, assistive devices, and other services is authorized as per the COID Act.
  • Monitoring compliance with the government Gazette by the rehabilitation service providers.

Upskilling and Reskilling Programs

  • Facilitating the vocational training programs.
  • Providing employees who sustained a permanent disability with an opportunity to acquire a new set of skills which may enable them to:
    • Reenter the job market in the field of their choice.
    • Start a small business in a sector of interest.

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