What happens to my UIF contributions if I resign?

Last Updated on September 21, 2023 by ufiling

1. Before You Hit Send on Your Resignation Letter

South Africans contribute 1% of their income to the Unemployment Insurance Fund (UIF) with the knowledge that when they lose their job, there is some recourse. With some recent changes to this benefit and the confusion that surrounds it, it is important to know that many of the rules still apply.

Those who are unclear with these rules may land themselves in hot water when they rely on these payments and can’t make ends meet due to some technicality.

2. The Conditions for UIF to Pay Out

Standing in the queues to register for unemployment benefits only to get to the consultant to get rejected, adds insult to injury.

To avoid this, citizens are recommended to know their rights and adhere to the guidelines. The South African Government provides clear guidelines for the unemployed to follow. Also, the conditions for payment are equally clear.

3. When An Employer Terminates A Contract

This is possibly one of the most important aspects of UIF. The fund is not in place for those who wish to test the waters on their own before heading on to the next job.

It’s specifically designed to act as a buffer between jobs when employees had no other option but to leave their company. The employer terminating the contract is one of them, however, this also has its restrictions.

4. Those Who Contribute To the Fund

Although the fund is initiated by the Government, it still requires the South African workforce to contribute. Currently, the contributions are at 2% of the worker’s income. The employer contributes 1% and the employee contributes 1%. Those who find themselves between jobs but have not contributed to the fund will have no grounds to claim benefits.

5. Employees Who Are Not Eligible To Claim

The list of those who can’t claim is quite extensive, and once again the Government website provides all the answers.

Those who can’t claim include:

Workers who already claim benefits from the Compensation Fund

See also  How long does it take for UIF to be claimed?

Those who claim benefits under the Labour Relations Act

Workers who were suspended due to fraud

Have quit their jobs

Do not report at the dates and times set for them

Finally, if they refused further training and advice from their employers

What About Those Who Have to Quit their Jobs?

Although there is a resounding “no” to the question as to whether employees can claim UIF benefits if they quit, there are some mitigating instances where this is allowed. The fund is designed to protect the worker and when there are material changes to their personal or work conditions, these need to be honoured. Workers who find themselves forced to quit their jobs can approach the Commission for Conciliation, Mediation, and Arbitration for help. The following are some of the instances where workers have grounds to claim unemployment benefits from the UIF.

Material Changes to the Work Conditions

These changes could include factors such as a change of location of the employer or changes in the work contract that make the conditions less favourable to the worker. Additionally, this could include a reduction in pay or even an increase in costs that prevent the worker from maintaining their personal standards.

Other work conditions that could make it tough for workers to remain with an employer include workplace discrimination, harassment, unsafe work conditions, or even those who are forced to quit in lieu of discharge, such as a forced retirement.

Personal Changes that Could Affect the Worker

Domestic circumstances are one of the main personal reasons that workers find themselves forced to quit. These circumstances could include medical reasons or even family illness. Domestic violence and spousal moves are also listed as reasons workers may have grounds to claim.

Those who are considering the move should consult the rules and restrictions of the fund first before making the move. Many workers don’t realise that they can only claim from the fund a number of times and that there is a ceiling. Industry experts and local government publications should be checked before making a lifetime decision.

See also  Can I Claim UIF Online?

For instance, the benefit can only be claimed for a maximum of 34 weeks, depending on how long they’ve contributed to the fund. They also need to register for these benefits within six months of the termination.

Top 15 Online Courses and Degrees to improve your employability

Technology and Computer Science Online Courses and Online degrees:

– Computer Science 101 Online Course from Stanford University through edX is a beginner-friendly course that introduces the core concepts of Computer Science, available for free with an option for certification for a fee.
– Programming for Everybody Online degree — Getting Started with Python** by the University of Michigan on Coursera is intended as an entry-level coding class, freely accessible with an optional paid certificate.

Web Development: Online Courses and Online degrees

– Introduction to HTML offered by Codecademy covers HTML basics for free, with advanced options available through paid upgrades.
– Dash by General Assembly is a free course that teaches HTML, CSS, and JavaScript through hands-on project learning.

AI and Data Science: Online Courses and Online degrees

Introduction to Big Data Online Courses provided by the University of San Diego via Coursera delves into the fundamentals of big data, available at no cost with a certificate available for an extra charge.
Machine Learning Online Degrees by Stanford University on Coursera is a broad course on machine learning, data mining, and statistical pattern recognition, free to access with optional certification.

Business and Management: Online Courses and Online degrees

The PG Diploma in Data Science Online Course from IIIT-B focuses on a variety of programming languages and tools and is developed in partnership with leading industry players.
– A Business Analytics Certification Online degree draws attention especially for those targeting analyst and managerial roles, covering essential tools for analytics and data visualization.

See also  How long should I wait for my UIF money?

Cloud Computing: Online Courses and Online degrees

– The Advanced Certification in Cloud Computing is targeted at engineering graduates looking to fill roles such as Cloud Developer or Cloud Architect.

Project Management and Software Development: Online Courses and Online degrees

Online degrees in Project Management from leading universities incorporate essential management concepts and business communication.
– The MSc. in Computer Science Online degree from Liverpool John Moores University provides the same level of quality and exposure as on-campus degrees through an 18-month online format.

Cybersecurity: Online Courses and Online degrees

The Advanced Certificate Programme in Cyber Security by upGrad and IIIT-B offers an in-depth learning experience over 12 months, combining content hours, projects, and live sessions.

Platforms Offering Diverse Learning Opportunities: Online Courses and Online degrees

FutureLearn offers accelerated courses, microcredentials, and professional certificates across multiple fields with various payment options including subscriptions.
Coursera partners with over 275 universities and organizations worldwide, offering a wide range of degrees and professional certificates.
Udacity specializes in IT and technology courses, with nanodegrees and programs designed in collaboration with industry leaders.
– Codecademy focuses on coding and programming, providing free learning opportunities in various coding languages with additional professional development programs.

These courses and degrees are designed to equip individuals with in-demand skills across various sectors, enhancing employability and providing valuable certifications. Whether interested in technology, data science, business, or other areas, these online resources offer flexible and comprehensive ways to learn and advance in your career.