We are a proud member, of the:
- Proud Member of FISA — Fiduciary Institute of Southern Africa
- Fully FIC Compliant — Financial Intelligence Centre Act
More Than a Bank Account. A Living Financial Shield
Road Accident Fund settlements are not simple financial awards. When a High Court grants a Section 17(4)(a) Undertaking, it creates a legal obligation for the Fund to cover all future qualifying medical expenses related to the accident. Managing this correctly requires a specialist — not a generalist bank or a family member acting as trustee.
At Thembela Administrators, we understand the legislative framework of the RAF Act from the inside. We manage the critical balance between the lump sum capital and the ongoing medical cost recovery, ensuring the beneficiary never has to choose between their health and their financial future. Every trust we administer is a structured, transparent, and proactive guardianship — not simply a savings account waiting to be depleted.
What Our RAF Trust Administration Includes
Bespoke Trust Deed Drafting
Master's Office Registration
Bond Surety Acquisition
Dedicated Trust Accounts
Section 17 Medical Recovery
Annual Accounting & Reporting
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The RAF Trust Lifecycle — Step by Step
From the moment we receive a court instruction to the annual review decades later, every step is managed with precision and care.
Legal Instruction & Deed Drafting
We receive the High Court Order, analyse the settlement conditions, and draft a bespoke trust deed within 24–48 hours of instruction.
Registration & Capital Protection
We register the trust via the Master’s online portal, acquire Bond Surety insurance, and open dedicated investment accounts immediately.
Family Onboarding
We meet the beneficiary and family in person, explain the administration process in plain language, and provide a full written fee schedule upfront.
Active Stewardship
We pay monthly stipends, school fees, medical costs, and home modification expenses — and simultaneously recover those costs from the RAF.
Annual Review
We hold a formal annual review with the family, social workers, and financial advisors — presenting investment performance reports and adjusting the strategy as the beneficiary’s needs evolve.
Your Settlement Deserves a Specialist
Our team combines deep technical knowledge of the Road Accident Fund Act with a genuine personal commitment to every beneficiary under our care. We don’t just administer trusts — we actively recover qualifying medical costs, protect your capital, and stand beside your family for the lifetime of the trust.
Comprehensive Solutions for Every Stage of Recovery
Our RAF administration does not exist in isolation — it is supported by three specialist services that work together to protect the full settlement.