Protecting Every Cent of Your Road Accident Fund Settlement
Road Accident Fund trusts are among the most complex financial structures in South African law. When a High Court awards a settlement that includes a Section 17(4)(a) Undertaking, it places a legal obligation on the trustee to manage both the lump sum capital and the future medical cost recovery simultaneously. We specialise in this balance — ensuring the trust remains financially healthy for the beneficiary’s entire lifetime.
- Bespoke trust deed drafting aligned to the court order
- Dedicated interest-bearing trust accounts for every beneficiary
- Full annual accounting to the Master of the High Court
Recover What the RAF Owes. Protect What the Trust Has
The Section 17(4)(a) Undertaking is the most valuable — and most overlooked — component of an RAF settlement. It is a legal commitment by the Fund to reimburse all future qualifying medical expenses. When trustees fail to claim these costs back, the trust capital is silently depleted. Our dedicated recovery system ensures every qualifying rand is reclaimed and returned to the beneficiary’s investment portfolio.
- Continuous capture of every medical invoice and pharmacy slip
- Technical verification against ICD-10 codes and the court order
- Formal bundle submission and relentless follow-up with the RAF
Lifelong Stewardship for South Africa's Most Sensitive Settlements
Medical negligence settlements — particularly those arising from birth injuries, surgical errors, or oxygen deprivation — are calculated to last 40 to 60 years. The stakes are exceptionally high. We specialise in the long-term administration of these trusts, ensuring the capital is preserved and invested to meet the rising costs of specialist care, assistive technology, and educational support across every stage of the beneficiary’s life.
- Longevity-first investment strategy reviewed annually against actuarial projections
- Funding for specialised schooling, therapy, and 24-hour caregiving
- Proactive management of caregiver support and home modification needs
A Steady Hand for Every Stage of the Journey
Our commitment to beneficiaries extends far beyond financial administration. We are the practical link between the court order and the reality of daily life — paying school fees directly, authorising medical treatments, managing home modifications, and responding to emergencies around the clock. When a family is navigating the aftermath of a life-altering injury, we remove the administrative burden entirely so they can focus on recovery.
- 24-hour medical emergency authorisation line
- Monthly stipends paid on a fixed date every month
- Direct payment to schools, pharmacies, and medical providers
Transparent. Structured. Lifelong.
From the moment we receive a court instruction to the annual review decades later, every step is governed by the same standard of precision and care.
Legal Instruction & Deed Drafting
Registration & Capital Protection
Guardian Launch & Onboarding
Active Stewardship & Annual Review
Accredited. Compliant. Accountable.
We’re proud to be recognized for our innovation and impact. Our awards reflect our commitment to quality, excellence, and the trust our clients place in us.