In the case of accidental death during work, the Workmen’s Compensation/ Group Accident policy provides an additional death benefit of three & half times the annual gross salary. Exclusions: If the death of the insured is caused by a direct or indirect consequence of; • war, invasion, an act of a foreign enemy, hostilities (whether caused by war or not), civil war, rebellion, revolution, insurrection, military or usurped power
• Suicide
• death caused by the deliberate and intentional act of the beneficiary or third party who acquires an interest in the policy
• the execution of a judicial sentence of death
Beneficiary Claims for Life Insurance and Accidental Death
At the time of hire, all employees are to complete and submit to the People Management Lead a “Life Insurance Beneficiary Record Card”. The dependents listed on this form will be paid the death benefit. This form is maintained in the personnel files and updated as needed with any new information. In the event of a claim for death benefits, the death certificate must accompany the request before the benefit can be paid out.
Eligibility And Claim Procedures
Criteria of eligibility as well as claim procedures are determined by the insurance provider. However, AfriLabs will support affected staff in their efforts to access any of these benefits. The People Management unit has the internal responsibility of coordinating this procedure for the Office.
AfriLabs Contribution in Case of Death
Upon the death of a full-time employee, the organisation will pay her/his family an amount equal to one month’s base salary, upon presentation of a death certificate. In addition, the organisation will contribute 500 USD to help defray funeral costs.
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