Globalisation coupled with opportunities abroad, has made it quite common for many South
Africans to emigrate. Although a South African expat may think that they are finally free from
South African bureaucracy once they leave, this is often not the case.
Aside from the more well-known issue of formal emigration and the implications of accessing
pension fund contributions after emigrating, there is also the issue of their family reporting
the expat’s death with the South African Department of Home Affairs (DHA) on their passing.
Apart from the fact that it enables the Government to maintain accurate registers and
records, it has a more personal impact on the expat’s estate. In order to wind up an expat’s
South African estate, the Master, the banks and the financial institutions all require a South
African Death Certificate. This is part of their internal processes and to confirm that the
Deceased is in fact deceased and that it is not an elaborate fraud. Without the South African
Death Certificate, the Master will not issue Letters of Authority/Executorship, the banks will
not pay out the account balances and the financial institutions will not pay out the
investments. It is not to say that these assets will be forfeited but rather, everything will be
frozen until such a time as the death has been reported to DHA.
Notwithstanding the inconvenience of the South African estate being stuck in limbo, it may
also feel like bureaucracy is conspiring to hinder the process. In fact, if reported and done
correctly at the start of the process, the estate should run smoothly and uneventfully.
The other issue related to reporting the death to DHA is that often the family no longer
resides in South Africa and they cannot afford to return for the sole purpose of reporting the
death. A simpler, more cost-effective way around this is for the death to be reported at the
appropriate South African Embassy which will then liaise with DHA to obtain the Death
Certificate.
As has been discussed, once an expat passes away, it is imperative that the death is
reported to DHA. Doing so becomes critical when trying to finalise the Deceased’s South
African estate and it can even be reported from the family’s new country of residence.
