Technically, you are an employee of the cc.
There is an upside to being on cover - if there is an accident and you require expensive medical attention, you will be covered. The obvious challenge in the one person business is the minimum per annum cost.
Much easier to deal with.
Prompt.
Responsive.
Actually pay out no claim and low claim ratio rebates.
Actually do pay time-off-work-for-IOD wages.
All things that don't happen with the government scheme.
Participation is voluntary.
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Leecatt (04-Sep-24)
We also changed across to FEM many years ago and the service is equivalent to a good medical aid when it comes to IOD
I know of a contractor that had a car accident on the way back from seeing a client on a call out one evening and he claimed IOD - Everything was covered
You will also get your good standing letter within a week vs a year if you lucky
To make a mistake is human, to learn from that mistake is knowledge and knowledge is strength.
Are you using the FEM on line portal - https://roe.fem.co.za/ - there should be Electrical Contractor E03
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