This page contains answers to Frequently Asked Questions which will help you to understand the services that CAOGA provides. If you don’t find the answer to your questions here, please don’t hesitate to contact us.
CAOGA Frequently asked questions:
- Exactly what does CAOGA membership offer?
A. There are three (3) parts to CAOGA membership. The first is the CAOGA scheme itself. This is designed to give prompt financial relief to a member’s family when that member dies. This part of the scheme is also designed to assist serving officers who have been placed on reduced pay due to prolonged illness or who are forced to retire due to illness. Membership also allows members to avail of the other services mentioned below.
The second part is access to the Group Life Assurance Plan available to members of the CAOGA scheme. The idea behind a Group Plane is that rates and premiums for a group can be lower than for the individual seeking insurance on his/her own. The CAOGA Group Life Assurance Plan provides its members with an optional life assurance scheme provided by an insurance company at favourable rates. Please see the Life Assurance section for details on Premiums and Benefits.
The third part of CAOGA membership involves the Benevolent Fund. This was set up to assist serving officers who find themselves in financial difficulty through no fault of their own.
2. Why should I join CAOGA?
A. You should join CAOGA to protect the long term financial security of your family in the event of your death or the death of a key family member. CAOGA provides the framework to allow members to plan for this in a simple and cost effective way. CAOGA also provides a number of financial and welfare services to assist its members in times of financial difficulty.
3. What is the purpose of the Group Life Assurance Plan?
A. The Group Life Assurance Plan is a significant top up of your CAOGA Benefit which is restricted in the amount that it can pay under the Friendly Societies Act. The Group Assurance Plan is designed to offer members the option to avail of Life assurance at competitive rates.
- Do I have Terminal Illness Cover?
A. Yes. Under the Group Life Assurance Plan, on certification by a medical officer of terminal illness, with expected death within twelve months, 30% of the Death Benefit will be paid in advance.
5. Can my spouse or civil partner join the CAOGA scheme and the Group Assurance Scheme?
A. YES. Spouses and civil partners are able to join the CAOGA scheme and the Group Life Assurance Plan. Please see the premiums and benefits page for details.
6. What are the costs involved in joining CAOGA and the Group Life Assurance Plan?
A. The CAOGA Scheme costs €10-00 for a members and €5-00 in respect of a spouse member or civil partner per month. Serving CAOGA member also pay €2-00 to the Benevolent Fund. There is a separate deduction for the Group Life Assurance Plan and premiums are age banded. (Please see the subscriptions and benefits page for details.)
7. Who gets my CAOGA benefit?
A. The person or persons you nominate on a valid nomination form.
(Please note that this nomination form does not apply to the benefits of the Group Life Assurance Plan).
8. Who gets my Group Life Assurance Benefit?
A. Your Group Life Assurance Benefit becomes part of your estate and will be administered by the executor of your will.
9. What would render a nomination form invalid?
A. Marriage invalidates a nomination form. A new nomination form is required in this instance. (N.B. Ensure you contact our office when you are getting married, separated or divorced.)
10. What happens to my CAOGA benefit in the absence of a valid nomination form?
A. The benefit becomes part of your estate. (N.B. When did you last review your will? Have you even made a will?)
11. Are my CAOGA subscriptions refunded?
A. Yes. Your CAOGA subscriptions, less your contributions to the Benevolent Fund, are refunded when you reach 70 years of age.
12. If I reach age 70 before my spouse may he/she continue membership?
A. NO. Spouse membership ceases when the member ceases his/her membership. The only exception is on the death of a member/retained member. In this instance a spouse is retained in membership for a year. CAOGA subscription is not payable for that year.
13. Can I continue my membership of CAOGA after I retire?
A. YES. Officers retiring from the Defence Forces should continue their membership of CAOGA. On retirement eligible officers are contacted by our office to offer them the option to become retained members.
14. Can my spouse continue his/her membership as well?
A. YES. Spouse membership can be retained under the same conditions as ordinary membership. (N.B. Have you and your spouse, if applicable, registered in CAOGA and in the Group Life Assurance Plan?)
15. When will my membership cease?
A. The upper age limit for both members and spouse members is 70 years of age.
16. Are the CAOGA subscriptions and death benefit payments the same for serving and retained members?
A. YES. Please consult your Information section for details of the current death benefits. (Please note that CAOGA benefits are separate to Group Life Assurance benefits which do vary for members and spouse members)
17. Are there any benefits that are confined to serving members only?
A. YES. There are three such benefits, namely;
i. RELIEF OF ILLNESS. This is designed to assist officers who are placed on reduced pay due to prolonged illness.
ii. COMPULSORY RETIREMENT DUE TO ILLNESS. This is to assist officers who are forced to retire due to illness.
iii. BENEVOLENT FUND. This fund was set up to assist serving members as they are precluded from benefiting from the Defence Forces Benevolent Fund which is for retired personnel only.
18. Will my Group Life Assurance Plan premiums be returned to me when I cease membership?
A. NO. The premiums to the group life assurance provider are non-refundable.
19. Can the Group Life Assurance Plan be used to provide protection for a mortgage or as security for a loan?
A. NO. Life Assurance is for the protection of your family in the event of your death and cannot be used as security on a mortgage or loan.
20. Do I need any additional life cover other than the schemes operated by CAOGA?
A. The CAOGA schemes, together with a Mortgage Protection Policy and your statutory entitlements, provide the framework of your plans in this area. Any additional cover that you might require is a matter that you need to consider in light of your own and your family’s personal circumstances and needs.