Compliance & Monitoring Department(Formerly known as the Labour Relations Department)

The BIBC is a sector and area-specific Bargaining Council created in terms of the LRA. This Act provides that employer and employee representative organizations within an industry or area can enter into Collective Agreements covering “any areas of mutual interest”.

The Agent's powers and functions are given to them in terms of Schedule 10 of the Labour Relations Act as well as Section 26 of the Collective Agreement. The area which they monitor and administer the Collective Agreement extends from Gordon's Bay along the Hottentots Mountains to Malmesbury, as well as the entire Peninsula to Cape Point.

Agents are neutral parties charged with investigating complaints received against Employers, Registering Companies that fall within the Scope of Application of the Collective Agreement, assisting with queries concerning working conditions, Labour Relations Act issues, minimum wage rates of pay, benefits, etc.

Every Agent is allocated a Zone as detailed below. Employers whose registered address fall within that zone is the responsibility of that agent. Our aim is to achieve a stable employment relationship and fair economic competition in the Building Industry. Where the parties are sufficiently representative of the industry, they can approach the Minister of Labour to gazette these agreements and extend them to non-parties as well.

The Compliance and Monitoring Department is responsible for;

  1. The registration of ALL employers in the Building Industry that fall within the Council's area of jurisdiction;

  2. Ensuring that all employers and employees abide by the minimum conditions of employment as spelt out in the Collective Agreement;

  3. The furthering of industrial peace through faciliating a conciliation process between employers and employees;

  4. Receiving and dealing with complaints in respect of conditions of employment as per the Collective Agreement.

  5. Dispensing advise to employers on all labour related matters.

CODE OF CONDUCT OF DESIGNATED AGENTS IN TERMS OF SECTION 127

 

 Under management of the Operational Manager:

Mike Caldecott

and his team of Designated Agents

All requests with regard to the above must be made in writing, to ensure that progress reports can be made back to the relevant people with the request/query. All these requests may be directed to Mike Caldecott at e-mail address This email address is being protected from spambots. You need JavaScript enabled to view it.. These will then be forwarded to the relevant Agent for attention. Your request will be speedily processed and progress reported back to you.

 

MCaldecott

Senior Agents:

Are responsible for co-ordinating several Areas

 

Masixole Ngcwangu: Peninsula Area 

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Masixole Ngcwangu

Jeandre Steyn : Sustained Compliance

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Jeandre

Malibongwe Tose : Peninsual Area 

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MALI

Sam Booysen: Somerset West Area

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SAM

Ria Mew: Paarl Area

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RIA

 Desmond Izatt: Overstrand Area

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D Izatt.jpg

 

BIBC SICK FUND DETAILED RULES

OVERVIEW OF THE BIBC SICK PAY FUND - FAX NUMBER: (021) 950 7403

The Fund pays out a percentage of wages lost due to illness and for maternity leave in the case of a female employee.

The Fund does not pay for medical expenses. 

Who pays for the Sick Pay Fund?

The employer contributes towards the Fund, the Fund replaces the sick leave provisions of the Basic Conditions of Employment Act and is therefore the employer’s responsibility. 

How do I qualify for sick pay?

  • You must be employed in the building industry in the Western Cape.
  • You must have at least 18 weekly (90 daily) contributions.
  • A sick certificate must accompany your claim. Issued by a registered doctor, dentist etc.
  • Payment can only be made to the employee if a valid tax reference number and bank statement of the employee is supplied to the BIBC.

What does the sick pay fund pay?

The employee receives 80% of the basic wage for the first ten days in a year. Thereafter the employee will receive 33% of the basic wage from the 11th to the 130th day for the same year.

Employees that have more than 10 years’ contributions will qualify for an additional 5 days at 80%, thus the first 15 days a year will be paid at 80% of the basic wage and they will receive 33% from the 16th day to the 130th day.

In addition, if an employee is on maternity leave the fund will pay 33% of her of her wage as per the last contribution code wage category for a maximum period of 120 days.

 

 

Why is a sick certificate required?

The certificate identifies the actual date the employee saw the doctor for the first time. The fund only pays from this date.

The diagnosis should be clearly indicated on the certificate otherwise the claim will not be processed. The certificate will only be valid if issued by a registered doctor, hospital or clinic.

What are the exclusions?

The diagnosis is required as the following conditions are excluded:

  • Self inflicted injuries
  • Drug abuse
  • Alcohol abuse
  • Family responsibility leave
  • Injuries covered under the Occupational Injuries and Diseases Act, 1993

How to claim?

You can claim by submitting a standard sick fund claim form obtainable from the Council offices or on our website. One part must be completed by the employer and one part is to be completed by the employee.  The form may be handed in, posted, faxed or emailed.

Postal Address: Private Bag X29
BELLVILLE
7535
Fax Number: (021) 950 7403
Emaill Address: sickfundThis email address is being protected from spambots. You need JavaScript enabled to view it.
 Subject

Sick fund claim member number

 

 

 

  

How and when do I get paid?

Payment will be made via an electronic transfer.  Electronic payments in respect of claims received by 10h30 will be transferred into the employees bank account on the same day.  If it is a FNB account, the money will be available on the same day, with any other bank it could take up to a maximum of 2 days.

Employers may deliver, fax or email  claim forms together with the medical certificates. 

INFORMATION DOCUMENT FOR MEMBERS OF THE BUILDING INDUSTRY PENSION SCHEME AND PROVIDENT FUND (WESTERN PROVINCE)

1. Introduction

Pension Scheme and Provident Fund

The Western Province Building Industry Pension Scheme and Provident Fund (‘the Funds’) provide retirement; disability and life assurance benefits as well as funeral cover for employees in the building industry and their dependants.

The Funds are governed by a Board, which consists of member and employer representatives.

The Pension Scheme started in October 1967 and the Provident Fund in November 1997.  Benefits of members, who opted to convert to the Provident Fund, have been made paid-up in the Pension Scheme and continue to earn investment returns until the members leave the industry.

New members have a choice to belong to either the Pension Scheme or the Provident Fund. The main features of the Funds are explained in this booklet, which is issued as a general guide to members. However, the booklet does not replace or override the rules of the Pension Scheme or Provident Fund in any way.  Copies of the rules are available to members.

Any queries regarding the Funds can be addressed to:

The Secretary

The Bargaining Council for the Building Industry

Private Bag X29

BELLVILLE

7535

2. General

How do the Funds work?

The Pension Scheme and Provident Fund are easy to understand.

Both Funds work like a savings account.  Every month, you and your employer pay money into the Fund.  Specialist investment managers invest this money to make it grow.  Every year that you are a member of the Fund, the profit made from investing the contributions are added to your ‘account’ in the form of interest.  The size of the final benefit you will receive depends on how much you and your employer contribute to the Fund and how well the Fund’s investments perform.  This type of fund is known as a ‘defined contribution fund’.

On retirement, the entire benefit from the Provident Fund can be taken as a cash lump sum, but it is then fully taxable at your average tax rate once any tax exemptions have been taken into account.  Tax on the lump sum may be deferred by selecting a monthly pension instead, which is then taxed as ordinary monthly income.

The Pension Scheme allows a maximum amount of one-third to be taken in cash on retirement, after tax exemptions have been taken into account.

Who may join?

Employees in the industry with compulsory contributions in terms of the Bargaining Council Agreements, and any other category of persons allowed by the Council to participate in the Funds.

When does membership start?

Membership starts when your employer pays your first contribution to the Bargaining Council.

When does membership end?

You remain a member of the Fund until you become entitled to your benefit.

How much are the contributions and how are they paid?

You and your employer share the cost of providing you with benefits.

Every week that you work in the industry, your employer will deduct your contribution from your weekly wage, as stipulated in the wage agreement.  Your employer contributes a similar amount and pays the total amount to the Council, to be paid over to the Fund.

The total weekly contribution is approximately 15% of your wage, which includes the cost of insured benefits (life cover, disability cover and funeral benefits) and administration charges.

How is my annual wage calculated for purposes of the Fund?

Annual wage equals the minimum prescribed wage according to the wage agreement.  This is usually determined on 1 November and remains the same until 31 October of every year.

Contributions and benefits are based on this wage.

3. Summary of Benefits

Normal Retirement Age

The normal retirement age is 60.

Early Retirement

You may retire early on the last day of any month once you have reached 55 years of age. Retirement between ages 50 and 55 will only be allowed by the Board  for     reasons of ill-health due to the arduous nature of work in the industry.

Retirement Benefits

On retirement, an amount equal to your share of the Fund becomes available.


Your share of the Fund is equal to:

  • Your Member’s Portion (all of your contributions to the Fund, plus any amounts that you may have transferred from a previous fund, plus interest earned from investing these amounts).

 

PLUS

  • The net portion of your employer’s contributions after deduction of the cost of insurance benefits and administration charges, plus any amounts transferred from a previous fund, plus interest earned from investing these amounts.

On retirement from the Provident Fund, you have two options with regard to your share of the Fund:

  • You can take it as cash and invest it as you wish.

OR

  • You can buy a pension from a registered insurance company, using all or a portion of your share of the Fund.  The registered insurance company will then pay you a pension for the rest of your life.

 

On retirement from the Pension Scheme, you have the following option with regard to your share of the Fund:

  • You can take a maximum of one-third in cash.

AND

  • The remaining two-thirds will be used to buy a pension from a registered insurance company.  The registered insurance company will then pay you a pension.

If you take cash from any of the Funds, it is taxable at your average tax rate once any tax exemptions have been taken into account. Tax on the lump sum may be deferred by selecting a monthly pension benefit instead.

Purchase of pensions

  • The pension referred to above must be purchased from a registered insurer, selected by the member, with the member as the owner of the policy.
  • The pension must be payable at least until the death of the member.  It may be a single-life pension, a joint and survivorship pension guaranteed for at least 5 years, or a flexible living annuity if the Fund value exceeds R500 000,00.

Death and Disability Benefits

For a member to qualify for Death and Disability Benefits:

(a) A contract of employment or employer/employee relationship must exist between the employer and the member.

(b) This contract of employment or employer/employee relationship must be in place for at least 40 working days prior to the event-giving rise to the claim for death or disability benefits.

(c) Contributions to the Pension Scheme or Provident Fund with respect to the member must be up to date for 40 working days mentioned in (b) in the last 50 working days. If no contribution is payable for a legitimate reason (such as lay-off or illness) for some period during the 40 working days, the 40 working days will be extended by the number of days that this period lasted.

(d) If the member dies or is permanently disabled within 30 days of ending his/her employment, the member will still be entitled to death or disability benefits.

Death Benefits Amount and form of payment

If a member dies before claiming a benefit from the Fund, a life insurance benefit equal to a multiple of the member’s annual wage is payable in accordance with the following table and provisions:

Number of WeeklyContributions Benefit Amount as Multiple of Annual Wage
Up to 10 weeks Nil, except: in the event of an accident: 1½
From 11 to 97 weeks
From 98 to145 weeks
From 146 to 195 weeks
196 weeks or more 4

 

Benefits payable in respect of members who do not qualify for a life insurance benefit

If a member under the normal retirement age dies before retirement, an amount equal to the member’s share of the Fund is payable.

Form of payment of life insurance benefit to eligible members:

  1. If the member is survived by a spouse, the spouse will have the option to either purchase a pension with the total of the equitable share of the Funds and the life insurance benefit, OR to commute the total benefit into cash.
  2. If the member is not survived by a spouse, the equitable share of the Funds and the full life insurance benefit will be payable to your dependants or nominees.

Funeral Scheme Benefits

In order to qualify for the under mentioned benefits, a member is required to have at least 13 weekly contributions (65 days) in the 150 days immediately preceding the claim,

OR

1 weekly contribution (5 days) in the week preceding the claim.

The following amounts are payable as a lump sum:

Member                                 :               R10 000

Spouse                                  :               R10 000

Children 14 to 21 years old               :               R10 000

Children   0 to 13 years old               :               R  6 000

Stillborn child                                       :               R  6 000

(Disabled child is covered for life)

Cover for children aged 21 is extended to 25 for full-time students.

Cover in respect of the principal member, qualifying spouse and qualifying children has a waiting period of six months in the event of death due to natural causes.  Therefore, during the first six months after the commencement of deductions, the principal member, qualifying spouse and qualifying children will only be covered in the event of death due to unnatural causes.

This benefit ceases one year after normal retirement age.  Therefore, members and dependants will be covered for one year after retirement without further contributions.

Disability Benefits

If a member becomes totally and permanently disabled before age 55 and submits satisfactory medical evidence to the Council, a disability benefit will be granted. During the first 12 months, in order to qualify for a disability benefit you only have to be totally disabled to do your suitable occupation at your own employer.  After 12 months, you need to be totally and permanently disabled for your own or any other suitable occupation at any employer. The scheme also allows for partial disablement and a claim will be considered if you are partially disabled, with a reduction in income of more than 25%.

Amount

The insured disability benefit for disabled members is an amount equal to a monthly pension in accordance with the following table and provisions:

Number of WeeklyContributions Benefit as Percentage of Monthly Wage *
Up to 10 weeks Nil, except in the event of an accident:  30%
From 111 to 97 weeks 30%
From 98 to 145 weeks 40%
From 146 to 195 weeks 50%
196 weeks or more 60%

 

*   Monthly wage equals annual wage divided by 12.

This benefit remains payable until the member recovers, dies or reaches normal retirement age, whatever occurs first.

While the member is disabled, he/she remains a member of the Fund.  The member’s contributions and those of the employer continue and are based on the member’s wage at the time of becoming disabled.

The member also remains covered for death benefits before retirement and these benefits are also based on his/her wage at the time of becoming disabled.  When the income benefit ends at retirement age the usual retirement benefits become payable.

Pre-existing Medical Conditions

The policy conditions stipulate that if a member becomes disabled within 12 months of his/her entry date or 1 December 2005, whichever is the later, due to a condition for which he/she received medical treatment during the 6 months immediately prior to these dates, a lower benefit or no benefit may be payable.

Withdrawal

A member who leaves the industry before retirement may select any of the following options:

Cash refund

The member must give the Board written notice of his/her intention to leave the industry.  A waiting period of 12 months applies.  Upon the expiry of the waiting period, you will become entitled to a cash refund equal to your share of the Fund.

Optional paid-up benefit

A member may request the Board in writing to leave his/her share of the Fund in that Fund, in order to receive his/her paid-up benefit secured in terms of the rules of the Fund at his/her retirement date.

Transfer to another fund

A member may choose to transfer the withdrawal benefit to another fund that has been established for retirement benefits and has been approved by the Board for this purpose.

4. Housing Loans

A member who wishes to purchase a residential property including a plot or to renovate existing housing for the purpose of enlarging the existing accommodation occupied by the member or his/her dependants, may apply through the Council for a housing loan.

5. Investment Strategy

The Building Industry Funds are defined contribution funds, which means that the individual member carries the risk of good or poor investment returns.  The investment returns earned on a member’s accumulated fund value and the contributions paid into the Fund, have a significant effect on the value of a member’s retirement benefit.

For this reason, the Board has adopted a prudent investment strategy that aims to provide growth, but also to protect capital to a large extent. The Board has also appointed various investment managers in order to spread the risk.

The Board is responsible for monitoring these managers and making sure they perform in accordance with their benchmarks and peers.

6. Nomination of Beneficiaries

Why should beneficiaries be nominated?

Death benefits from the retirement fund do not form part of your estate on death and, consequently, cannot be distributed in terms of a will.  The only way in which you can give an indication of how the funds should be distributed when you die, is by nominating beneficiaries.  However, the eventual distribution is subject to the discretion of the Board.

In terms of the provisions of section 37C of the Pension Funds Act (‘the Act’), any benefit payable by a fund upon the death of a member will not form part of the assets in the member’s estate but will be dealt with in the following manner:

  • If the fund within 12 months of the death of the member becomes aware of or traces a dependant(s) of the member, the benefit will be paid to one or all such dependants, as may be deemed equitable by the Board.
  • If the fund does not become aware of or cannot trace any dependant of the member within 12 months of the death of the member, and the member has designated in writing to the fund a nominee who is not a dependant of the member, the benefit or such portion of the benefit as is specified by the member in writing to the fund, will be paid to such nominee only to the extent to which the benefits exceed the outstanding debt against the estate, if the estate of the member is insolvent.
  • If a member has a dependant(s) and the member has also designated in writing to the fund a nominee(s) to receive the benefit or such portion of the benefit as is specified by the member in writing to the fund, the fund will within 12 months of the death of the member pay the benefit or portion thereof to such dependant or nominee as may be deemed equitable by the Board.
  • If the fund does not become aware of or cannot trace any dependant of the member within 12 months of the death of the member and if the member has not designated a nominee, the benefit will be paid into the estate of the member or, if no inventory in respect of the member has been received by the Master of the Supreme Court in terms of the Estate Act, 1956, paid into the Guardian’s Fund.

In summary, the Act defines a dependant as any person:

  • in respect of whom you were legally liable for maintenance;

whom you were not legally liable to maintain, if such a person:      

- was, in the opinion of the Board, upon your death in fact dependent on you for maintenance;- is your spouse, including a party to a customary union according to Black law and custom or a party to a union recognised as a marriage under the tenets of any Asiatic religion, and including same-sex partners and life partners;- is your child, including a posthumous child, an adopted child and an illegitimate child;    

· in respect of whom you would have become legally liable for maintenance, had you not died.

Take the following into consideration when nominating a beneficiary:

(a)           If you die without nominating a beneficiary:

(i) The Board will pay death benefits to the dependants on a basis that they regard as equitable.  In most cases a member’s spouse and those children who are regarded as dependants of the member, are favoured;

(ii) if the Board does not become aware of (cannot trace) any dependants within 12 months of your death, the benefits are paid to your estate.

(b)          If you nominate a beneficiary who is a dependant, the Board will attach great value to your nomination because you are the person who best knows the needs of your dependants.  Remember that personal circumstances of dependants can change after you made a nomination and that the Board, in the interests of your dependants, can decide differently from what your nomination indicates.

(c)           If you nominate a beneficiary who is not a dependant:

(i) such a person will receive part of the death benefits in the proportion that the Board regards as equitable, taking into account any dependants;(ii) if you leave no dependants, the Board will pay the death benefits or such portion thereof that you indicated, to the beneficiary/ies 12 months after your death, only to the extent to which the benefits exceed the outstanding debt of your estate, if the estate is insolvent.

7. Claiming Benefits

When you or your dependants/beneficiaries submit a claim for a benefit from the Fund, you must fill in all the correct forms and send them to the Fund.  It is very important that you fill in these forms correctly when you claim a benefit from the Fund, otherwise unnecessary delays may arise. You can get any of the forms you need from your employer or Union representative, or directly from the Fund.

  • Telephone number :               (021) 950-7400
  • Fax number :               (021) 950-7405

If you are claiming for a Retirement, Death or Withdrawal Benefit, please forward your form and documents to:

BELLVILLE 133 Voortrekker Road

PAARL Garlink Building, 29 Lady Grey Street,

SOMERSET-WEST 141c Main Road (entrance off Oak Road)

or post the required documentation to:-

  • The Secretary
  • The Bargaining Council for the Building Industry
  • Private Bag X29
  • BELLVILLE
  • 7535

If you are a female employee (married or previously married) who is claiming a benefit, you need to include a copy of your marriage certificate and/or divorce order.  This will assist the Fund in tracing any benefits that you may have accumulated under your maiden name.

When you claim a Benefit

Whatever benefit you are claiming, you must always mail or deliver the following documents, together with the documents listed under each section:

  • A copy of your bar-coded identity document
  • A certificate of service
  • Marriage certificate/customary union certificate or divorce order
  • If you are a female member

Xhoza Retirement Funds Information Brochure

Brochure Xhosa 2008.doc

Building Industry Medical Aid Fund

Overview

What is a medical aid fund?

It is a fund to which a large number of people contribute to help with unexpected medical expenses when needed.

The unique nature of the Building industry medical aid fund

It is a “pay as you go” fund that recognizes that members may have periods of unemployment from time to time.  If an employee does not qualify for a benefit for one day or more then it is his responsibility to purchase the medical aid benefit, either via his Employer or directly from the BIBC.

 It also has a low contribution rate and limited benefits which are designed specifically for the building industry in the Western Cape.The Fund has been in existence since 1970, and, even though it does not fall under the Medical Schemes Act, it meets that Act’s minimum financial requirements.

How do I qualify for medical aid?

You must be an artisan in the building industry. You must have made at least 16 weekly (80 daily) contributions and thereafter complete a registration form.

What happens when I qualify for benefits?

You will have to come into our office to register; you will need your Identity Book, marriage certificate and birth certificates of your children. An explanation of the benefits will be explained to you.

A medical aid card will be issued with your name, address and dependants. Your card needs to be updated on a regular basis with your next benefit date on condition that your benefit contributions are up to date.  You need to phone or visit our offices for a new date.

What is difference between the benefit date and the date of service?

The benefit date is the date on your medical aid card and indicates the date up until when you are entitled to benefits.The date of service is the actual date that you went to the doctor, dentist, pharmacist etc.

How do I submit a claim?

All accounts received from your doctor, dentist, pharmacist, and hospital etc., can be forwarded to the Fund for payment. All you need to do is sign the account, write your holiday fund number on it and submit it by hand, post or fax.

Are there any limitations on benefits?

The benefit limits include the following: 2019-2020 Benefit Year

 The fund only covers 90% of the scale of benefits and the remaining 10% is for the members’ own account.

  • An overall maximum of R66,500 per year per family.
  • Medicine  – R9,500.00 per year per family. The member will be required to pay a R5.00 levy on all medicine dispensed.
  • Dental Benefits – R6,200 per year per family.
  • Optical benefits – R4,000 per year per family.
  • Private hospitals cover is limited to a R2,220 ward fee per day and a R4,250 theatre fee.
  • Cover is for 90% of cost of materials whilst in hospital and the remaining 10% is for the members’ own account.
  • We allow R1000.00 OTC (over the counter) medicine per family per year and there is no R5.00 levy to be paid.

 

 The benefit limits include the following: 2018-2019 Benefit Year

 The fund only covers 90% of the scale of benefits and the remaining 10% is for the members’ own account.

  • An overall maximum of R63,000 per year per family.
  • Medicine  – R9,000.00 per year per family. The member will be required to pay a R5.00 levy on all medicine dispensed.
  • Dental Benefits - R5,800 per year per family.
  • Optical benefits – R3,800 per year per family.
  • Private hospitals cover is limited to a R2,100 ward fee per day and a R4,000 theatre fee.
  • Cover is for 90% of cost of materials whilst in hospital and the remaining 10% is for the members’ own account.
  • We allow R1000.00 OTC (over the counter) medicine per family per year and there is no R5.00 levy to be paid.

 

 

 

BIMAF rates per Month?

Benefit Year: 2019-2020

Pensioners:   R597.98                Voluntary:       R1966.67

 

Benefit Year: 2018-2019

Pensioners:   R569.50                     Voluntary:       R1873.02

 

Attachments:
Download this file (BIMAF RULES.pdf)BIMAF RULES[ ]179 kB