SAQA All qualifications and part qualifications registered on the National Qualifications Framework are public property. Thus the only payment that can be made for them is for service and reproduction. It is illegal to sell this material for profit. If the material is reproduced or quoted, the South African Qualifications Authority (SAQA) should be acknowledged as the source.
SOUTH AFRICAN QUALIFICATIONS AUTHORITY 
REGISTERED UNIT STANDARD THAT HAS PASSED THE END DATE: 

Demonstrate knowledge and insight into legislation relating to marriage, divorce and maintenance as it applies to employee retirement and insurance benefits 
SAQA US ID UNIT STANDARD TITLE
10391  Demonstrate knowledge and insight into legislation relating to marriage, divorce and maintenance as it applies to employee retirement and insurance benefits 
ORIGINATOR
SGB Financial Services 
PRIMARY OR DELEGATED QUALITY ASSURANCE FUNCTIONARY
-  
FIELD SUBFIELD
Field 03 - Business, Commerce and Management Studies Finance, Economics and Accounting 
ABET BAND UNIT STANDARD TYPE PRE-2009 NQF LEVEL NQF LEVEL CREDITS
Undefined  Regular  Level 4  NQF Level 04 
REGISTRATION STATUS REGISTRATION START DATE REGISTRATION END DATE SAQA DECISION NUMBER
Passed the End Date -
Status was "Registered" 
2002-06-12  2004-02-12  SAQA 0742/02 
LAST DATE FOR ENROLMENT LAST DATE FOR ACHIEVEMENT
2005-02-12   2008-02-12  

In all of the tables in this document, both the pre-2009 NQF Level and the NQF Level is shown. In the text (purpose statements, qualification rules, etc), any references to NQF Levels are to the pre-2009 levels unless specifically stated otherwise.  

This unit standard is replaced by: 
US ID Unit Standard Title Pre-2009 NQF Level NQF Level Credits Replacement Status
117131  Explain the legislation relating to marriage, divorce and maintenance as it applies to retirement benefits  Level 4  NQF Level 04  Complete 

PURPOSE OF THE UNIT STANDARD 
This unit standard is intended for learners in the insurance retirement fund industry who work in Group Retirement and Insurance Benefits. It requires basic knowledge of the legislation governing marriage, divorce and maintenance as applied by retirement funds.

The qualifying learner is capable of:
  • Demonstrating knowledge and understanding of the legislation that applies to marriage, divorce and maintenance.
  • Explaining the different types of marriages and equivalent partnerships that are recognised in South Africa.
  • Explaining the effect of the Divorce Amendment Act (7 of 1989) and the allocations of retirement fund benefits.
  • Explaining the application of the Maintenance Act (99 of 1998) to the accrual and payment of retirement fund benefits. 

  • LEARNING ASSUMED TO BE IN PLACE AND RECOGNITION OF PRIOR LEARNING 
    There is open access to this unit standard. Learners should be competent in Communication, Mathematical and Financial Literacy at Level 3. Learners should be competent in the unit standard Demonstrate knowledge and understanding of the primary legislation that impacts on retirement funds. 

    UNIT STANDARD RANGE 
    The typical scope of this unit standard is
    1. Legislation includes
  • The Recognition of Customary Marriages Act (120 of 1998).
  • The Matrimonial Property Act (88 of 1984).
  • The Maintenance Act (99 of 1998)
  • The Divorce Amendment Act (7 of 1989)
  • The Income Tax Act (58 of 1962 as amended)
  • The Constitution of the Republic of South Africa Act (108 of 1996).
    2. Different types of marriages include, legal marriages, religious and traditional marriages not registered in terms of the Marriages Act (25 of 1961).
    3. Documentary evidence required as proof of the existence of a spouse includes marriage certificates and affidavits.
    4. Case studies illustrating the obligation of a Fund to pay interest should include an example where the payment of interest is part of the court order. 

  • Specific Outcomes and Assessment Criteria: 

    SPECIFIC OUTCOME 1 
    Demonstrate knowledge and understanding of South African legislation that applies to marriage. 
    OUTCOME NOTES 
    Demonstrate knowledge and understanding of South African legislation that applies to marriage, divorce and maintenance and how it impacts on retirement fund matters. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    1. The legislation that impacts on retirement fund matters is identified and the sections in the legislation that apply to retirement funds are accessed in the relevant Acts. 

    ASSESSMENT CRITERION 2 
    2. The general effect of the South African Constitution on legislation relating to marriage, divorce and maintenance is explained with examples. 

    ASSESSMENT CRITERION 3 
    3. The role of the Pension Funds Adjudicator is explained and an indication is given of the impact/effect of his/her determinations on the administration of funds in terms of marriage, divorce and maintenance. 

    SPECIFIC OUTCOME 2 
    Explain the different types of marriages and partnerships that are recognised in South Africa. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    1. The concept of marriage is explained with reference to examples. 

    ASSESSMENT CRITERION 2 
    2. The concept of a spouse is explained and an indication is given of the documentary evidence required to prove the existence of a spouse. 

    ASSESSMENT CRITERION 3 
    3. The impact of the Constitution on the range of marriages and partnerships recognised in South Africa is explained with examples. 

    SPECIFIC OUTCOME 3 
    Explain the effect of the Divorce Amendment Act 7 of 1989 on allocations on retirement fund benefits 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    1. The concept of a divorce is explained with examples. 

    ASSESSMENT CRITERION 2 
    2. The concept of a members pension interest in a retirement fund is explained with examples. 

    ASSESSMENT CRITERION 3 
    3. The member's pension interest is calculated and presented in a statement of the amount payable on withdrawal. 

    ASSESSMENT CRITERION 4 
    4. A divorce order is analysed for compliance with the Divorce Amendment Act (7 of 1989). 

    ASSESSMENT CRITERION 5 
    5. The process to be followed on receipt of a divorce order is explained and an indication is given of the implications of non-compliance of the divorce order with the Act. 

    ASSESSMENT CRITERION 6 
    6. The party responsible for payment of tax when the benefit is paid from the fund is explained with reference to the Income Tax Act (58 of 1962 as amended) and RF1/98. 

    ASSESSMENT CRITERION 7 
    7. The effect of a divorce order requiring the inclusion of interest on the member's pension interest is explained for two case studies. 

    ASSESSMENT CRITERION 8 
    8. The obligation of the fund to pay interest on a member's pension interest is explained for two case studies. 

    ASSESSMENT CRITERION 9 
    9. The order of preference for deductions against a member's benefit is explained with examples. 

    SPECIFIC OUTCOME 4 
    Explain the application of the Maintenance Act 99 of 1998. 
    OUTCOME NOTES 
    Explain the application of the Maintenance Act 99 of 1998 to the accrual and payment of retirement benefits. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    1. The concept of maintenance is explained with examples. 

    ASSESSMENT CRITERION 2 
    2. A maintenance order is analysed for validity and an indication is given of the implications of enforcing an invalid order. 

    ASSESSMENT CRITERION 3 
    3. The process to be followed on receipt of a maintenance order is explained and an indication is given of the implications of non-compliance by the fund for the member, spouse/partner of a member, retirement funds and employee. 

    ASSESSMENT CRITERION 4 
    4. The party responsible for payment of tax when the benefit is paid from the fund is explained with reference to the Income Tax Act (58 of 1962 as amended). 


    UNIT STANDARD ACCREDITATION AND MODERATION OPTIONS 
    This unit standard will be internally assessed by the provider and moderated by a moderator registered by INSQA or a relevant accredited ETQA. The mechanisms and requirements for moderation are contained in the document obtainable from INSQA,
    INSQA framework for assessment and moderation. 


    Critical Cross-field Outcomes (CCFO): 

    UNIT STANDARD CCFO IDENTIFYING 
    The learner is able to identify and solve problems in which responses show that responsible decisions have been made in applying the regulations and the different Acts to Employee Benefits. 

    UNIT STANDARD CCFO COLLECTING 
    The learner is able to collect, organise and critically evaluate information relating to the Act and regulations. 

    UNIT STANDARD CCFO COMMUNICATING 
    The learner is able to communicate effectively using visual, mathematics and language skills in the modes of oral and/or written presentations in explaining the concepts in the Acts and various regulations and calculating member`s pension interest. 

    UNIT STANDARD CCFO DEMONSTRATING 
    The learner is able to demonstrate an understanding of the world as a set of related systems by recognising the implications of non-compliance with the Acts for the member, spouse/partner of a member, retirement funds and employee. 

    UNIT STANDARD NOTES 
    This unit standard has been replaced by 117131, "Explain the legislation relating to marriage, divorce and maintenance as it applies to retirement benefits", Level 4, 2 credits. 

    QUALIFICATIONS UTILISING THIS UNIT STANDARD: 
      ID QUALIFICATION TITLE PRE-2009 NQF LEVEL NQF LEVEL STATUS END DATE PRIMARY OR DELEGATED QA FUNCTIONARY
    Elective  48494   National Certificate: Financial Services Management  Level 3  NQF Level 03  Passed the End Date -
    Status was "Reregistered" 
    2012-06-30  INSETA 
    Elective  48640   National Certificate: Financial Services Management  Level 4  Level TBA: Pre-2009 was L4  Reregistered  2023-06-30  INSETA 
    Elective  23973   National Certificate: Financial Services: Wealth Management  Level 5  Level TBA: Pre-2009 was L5  Passed the End Date -
    Status was "Registered" 
    2006-08-13  Was INSETA until Last Date for Achievement 


    PROVIDERS CURRENTLY ACCREDITED TO OFFER THIS UNIT STANDARD: 
    This information shows the current accreditations (i.e. those not past their accreditation end dates), and is the most complete record available to SAQA as of today. Some Primary or Delegated Quality Assurance Functionaries have a lag in their recording systems for provider accreditation, in turn leading to a lag in notifying SAQA of all the providers that they have accredited to offer qualifications and unit standards, as well as any extensions to accreditation end dates. The relevant Primary or Delegated Quality Assurance Functionary should be notified if a record appears to be missing from here.
     
    1. African Resources & Financial Training (Pty) Ltd 
    2. CKP Development Agency (Pty) Ltd. 
    3. Discovery Life Ltd 
    4. Faisit (Pty) Ltd 
    5. Invuya Institute of Learning (Pty) Ltd 
    6. RJM Educational Consulting (Pty) Ltd 
    7. Sanlam Life Insurance Ltd 
    8. Training Techniques 



    All qualifications and part qualifications registered on the National Qualifications Framework are public property. Thus the only payment that can be made for them is for service and reproduction. It is illegal to sell this material for profit. If the material is reproduced or quoted, the South African Qualifications Authority (SAQA) should be acknowledged as the source.