The Federated Employers Mutual Assurance Company (RF) (Pty) Ltd (“FEM”) is licensed to conduct non-life insurance business.
Workers Compensation for Construction Industry
Compensation For Construction Workers Severe Occupational Injury

We firmly believe an industry with ZERO accidents is achievable, it begins with you.

FEM Private Healthcare for Occupational Injuries and Diseases

What is the ZERO is No Accident campaign?

The construction industry is expected to rebound significantly in 2022, and expand by 9.1% in real terms, positioning it as a significant contributor to South Africa’s post COVID-19 economic recovery, and national infrastructure development plan. In 2019, the value added by the construction sector accounted for around 4% of the country’s GDP and employed well over 1.3 million people.
However, a closer look at the inner workings of the construction industry reveals a disconcerting dark side, veiled by the wealth of opportunities. 

On average, a shocking 36 people sustain injuries requiring medical attention while on duty every single day resulting in temporary disablement, permanent disablement, and the loss of life. With a track record spanning 86 years in the field of workmen’s compensation, The Federated Employers Mutual Assurance Company is one of two private sector companies that have been issued a license to provide services under the COID Act by the South African government. 

The compensation, in terms of the COID Act, is funded by employers, and places an obligation on these employers to make contributions on an annual basis, aimed at providing compensation in the form of payment and medical aid for disablement caused by accidents or industrial diseases contracted by employees in the course of their employment, and for death or disease resulting from such accidents. 

Leveraging our INFLUENCE to promote a 100% commitment to health and safety

EDUCATING on the pitfalls associated with workplace fatalities and the importance of committing 100% to sustainable workforce

Through 100% stakeholder engagement and RE-INFORCING the legal obligation to COIDA compliance

Rallying PUBLIC SUPPORT for an excellent and sustainable workers compensation service by ensuring 100% success rate in the processing of valid claims

Committing 100% to social change by uplifting communities thus
CHANGING LIVES.

Who benefits from the “ZERO IS NO ACCIDENT” campaign?

Family represents the foundation of self, and as such FEM agrees that family is everything, and we will go to great lengths to support the preservation of families, one breadwinner at a time. The economic costs of workplace injuries only tell part of the story.

There is also a major human cost that is often overlooked. Imagine the physical pain and suffering an injured worker goes through daily. The unrelenting pain comes with problems sleeping, trouble moving around, and difficulty or the inability to do the things they once enjoyed.

Providing Wage Replacement and Medical Benefits to Employees Injured on Construction Sites

The prospect of having your life turned upside down like this, and not knowing if it will ever be the same is something that can seem nearly impossible to live with. These are intangible costs that are very real, and it is impossible to put a price on them. A work-related injury or occupational illness is bad enough for the individual who is suffering from it, but the costs do not end there. Families also suffer deep emotional and financial pain because of a loved one’s injury. 

Children tend to be hit the hardest by these types of injuries as they are forced to deal with the reality of a parent who has a medical condition that renders them unable to go to work and put food on the table.
Some of these injuries also significantly change the family dynamic by reversing various roles. This thrusts the spouse and children into a caregiving role, which is something many people may not be emotionally ready to deal with.

The effect of workplace injuries on families in single parent households is even more devastating. When the one parent who the children depend on for everything suddenly gets hurt, finances are even tighter, and the duty to care for the injured parent may fall squarely on the children. That is just one side of the coin. If an employer is not registered for workmen’s insurance under the COID Act, and one of their employees is injured, falls ill, or suffers a fatality on duty, the treating doctors or hospital will demand payment which the employer will be held liable for, and this can lead to financial ruin.

On average

Between 2015 - 2020
0
Injuries on duty daily
0
Fell from heights
0
Slipping or over exertion
COID Act for Construction Industry

Why is the “ZERO IS NO ACCIDENT” campaign important?

The Federated Mutual Assurance Company through the ZERO IS NO ACCIDENT campaign, seek to mitigate the risk for both employers and employees by delivering a preferred, excellent, and sustainable workmen’s compensation service that champions health and safety in the workplace as a key pillar to the continued growth and success of the industry, and provide quality care, empathy and financial support to employees, and their families in the unfortunate event of an accident, illness, or untimely death.

We firmly believe that every workplace accident, illness, or death is preventable, that an industry with ZERO incidents is achievable. Getting to ZERO will not happen by chance, it requires purposeful planning, and a concerted effort by the entire construction industry to nurture positive change in behaviours, attitudes and perceptions towards health and safety, for the future of the industry.

Follow the ZERO is no Accident campaign on Social Media

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10 hours ago
FEM Assurance Company

The recent report by the Centre for Development and Enterprise (CDE), an independent policy research and advocacy organisation unveils alarming statistics, indicating that 82% of Grade 4 learners cannot read for meaning.

Please visit bit.ly/3Ja2szP to read more

#FEMEF #endthesilentcrisis #educationmatters #educationdevelopment 🎓
... See MoreSee Less

The recent report by the Centre for Development and Enterprise (CDE), an independent policy research and advocacy organisation unveils alarming statistics, indicating that 82% of Grade 4 learners cannot read for meaning.

Please visit https://bit.ly/3Ja2szP to read more 

#FEMEF #EndTheSilentCrisis #EducationMatters #EducationDevelopment 🎓

Comment on Facebook

So what can i do to help dem

FEM Education Foundation (FEMEF) aims to provide much-needed support to South Africa's education system as findings by top education researchers reveal that despite the significant public investment, a third of primary school students in South Africa can be categorised as ‘functionally illiterate’

Please visit bit.ly/3Ja2szP to read more about these findings and the work FEMEF does to assist.

##FEMEF #EndTheSilentCrisis #EducationMatters #EducationDevelopment 🎓
... See MoreSee Less

FEM Education Foundation (FEMEF) aims to provide much-needed support to South Africas education system as  findings by top education researchers reveal that despite the significant public investment, a third of primary school students in South Africa can be categorised as ‘functionally illiterate’

Please visit https://bit.ly/3Ja2szP to read more about these findings and the work FEMEF does to assist. 

##FEMEF #EndTheSilentCrisis #EducationMatters #EducationDevelopment 🎓

You are invited to attend the Master Builders Association North - One day OHS Compliance Seminar taking place on Tuesday, 16 April 2024 from 11:30 – 15:00 or Wednesday, 17 April 2024 from 08:30-13:00.
𝗧𝗼𝗽𝗶𝗰 – 𝗥𝗲𝗽𝘂𝘁𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗗𝗮𝗺𝗮𝗴𝗲 𝗶𝗻 𝘁𝗵𝗲 𝗖𝗼𝗻𝘀𝘁𝗿𝘂𝗰𝘁𝗶𝗼𝗻 𝗜𝗻𝗱𝘂𝘀𝘁𝗿𝘆
To register for the seminar, send an email to Natalie@mbanorth.co.za
Kindly note there are only limited seats available.
This initiative is endorsed by: The Federated Employers Mutual Assurance Company (FEM), Legislative Compliance Specialists (LCS), Department of Employment and Labour (DEL), The Building and Construction Industry Medical Aid Fund (BCIMA), OHS Care CC, ALVA Training, South African Institute of Occupational Safety and Health (Saiosh), MBA Greater Boland (MBA GB), Institute for Work and Height (IWH) and Reality Wellness Group (Reality).
... See MoreSee Less

You are invited to attend the Master Builders Association North - One day OHS Compliance Seminar taking place on Tuesday, 16 April 2024 from 11:30 – 15:00 or Wednesday, 17 April 2024 from 08:30-13:00.  
𝗧𝗼𝗽𝗶𝗰 – 𝗥𝗲𝗽𝘂𝘁𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗗𝗮𝗺𝗮𝗴𝗲 𝗶𝗻 𝘁𝗵𝗲 𝗖𝗼𝗻𝘀𝘁𝗿𝘂𝗰𝘁𝗶𝗼𝗻 𝗜𝗻𝗱𝘂𝘀𝘁𝗿𝘆
To register for the seminar, send an email to Natalie@mbanorth.co.za
Kindly note there are only limited seats available.
This initiative is endorsed by: The Federated Employers Mutual Assurance Company (FEM), Legislative Compliance Specialists (LCS), Department of Employment and Labour (DEL), The Building and Construction Industry Medical Aid Fund (BCIMA), OHS Care CC, ALVA Training, South African Institute of Occupational Safety and Health (Saiosh), MBA Greater Boland (MBA GB), Institute for Work and Height (IWH) and Reality Wellness Group (Reality).
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