We are a proud member, of the:
- Proud Member of FISA — Fiduciary Institute of Southern Africa
- Fully FIC Compliant — Financial Intelligence Centre Act
The Most Overlooked Asset in Your RAF Settlement
The Section 17(4)(a) Undertaking is a legal commitment by the Road Accident Fund to reimburse all future qualifying medical, hospital, and rehabilitation costs related to the accident. In theory, it is the most powerful component of an RAF settlement. In practice, it is the most frequently mismanaged.
Many trustees pay medical costs out of the trust’s cash reserves — and simply never claim that money back from the RAF. Over time, this results in what we call Silent Depletion: a trust that runs out of money years, sometimes decades, before the beneficiary’s needs come to an end.
At Thembela Administrators, Section 17 recovery is not an afterthought. It is a dedicated, four-step administrative system that runs continuously for the life of the trust — ensuring every qualifying rand spent is recovered, and every rand recovered is returned to the investment portfolio.
What We Recover on Your Behalf
Therapeutic Interventions
Assistive Technology
Home & Vehicle Modifications
Pharmaceuticals Body
Medical Transport
Hospital & Surgical Costs
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The Four-Step Capital Recharge System
We treat the Section 17 Undertaking as an active financial asset that must be worked continuously — not passively.
Continuous Data Capture
Every pharmacy slip, doctor’s invoice, and therapy bill is captured the moment it is paid by the trust — not at year end.
Technical Verification
Our specialists audit every invoice against the specific wording of your High Court Order and the relevant ICD-10 diagnostic codes, ensuring the RAF cannot reject claims on technicalities.
Formal Bundle Submission
We compile verified costs into professional recovery bundles and manage the complete administrative interface with the RAF — including submission, follow-up, and dispute resolution.
Portfolio Replenishment
Once the RAF pays the claim, recovered funds are transferred directly back into the beneficiary’s long-term investment portfolio — not left idle in a current account.
Is Your Trust Capital Being Silently Depleted?
If your current trustee is not actively recovering costs from the RAF, you may be losing hundreds of thousands of rands every year. Speak to us today.
Protecting Your Referral. Protecting Your Reputation
For a referring attorney, the long-term performance of the trust is a direct reflection of the quality of your referral. If a trust runs dry ten years after the settlement because qualifying costs were never recovered from the RAF, the consequences for the family — and potentially for your firm — can be significant.
Our Capital Recharge System ensures the actuarial projections you relied on during trial remain accurate throughout the life of the trust. When you refer to Thembela, you refer with confidence that the capital you fought for will last as long as the beneficiary needs it.