Family Welfare Programme
"No member of Desterio's Generation shall face a major family challenge alone." A comprehensive, dignified, fair and affordable safety net for every member.
Article 10 — Scope of Support
When the family stands with you
Bereavement Support
Death of a registered member, spouse, child, parent, parent-in-law or grandparent under direct family care.
Hospitalisation & Serious Illness
Hospital admission, critical conditions, major surgery and long-term treatment.
Disability & Special Needs
Welfare assistance, educational support, advocacy and inclusion in all family programs.
Disaster & Emergency Relief
Fire, floods, accidents, displacement, structural collapse and natural disasters.
Education Hardship
Scholarships, bursaries, mentorship and career-guidance initiatives.
Weddings & Marriage
Family representation, logistical support and welfare contributions approved by EXCO.
Article 10.3 — Beneficiaries
Who is covered & at what rate
| Beneficiary | Per Member | Waiting | Notes |
|---|---|---|---|
| Principal Member (registered) | KES 1,000 | 4 months (new members) | Full welfare support after waiting period |
| Spouse (legal/customary) | KES 500 | 1 month illness · none for accidents | Must be formally registered |
| Children (biological / adopted) | KES 300 | 1 month illness · none for accidents | Up to 25 yrs if still in education |
| Biological Parents | KES 500 | 3 months illness · none for accidents | Must be registered under member |
| Parents-in-Law | KES 300 | 3 months illness · none for accidents | Husband must be a honorary member |
| Married Daughters (primary) | KES 1,000 | As per EXCO | Subject to welfare guidelines |
| Spouses / Children of Married Daughters | KES 500 | As per EXCO | Spouse must pay KES 7,000 honorary |
| Other Approved Beneficiaries | As per EXCO/AGM | — | Exceptional cases by EXCO |
Waiting Periods
| Category | Cause | Period |
|---|---|---|
| New Members | Any cause | 4 months from registration |
| All Members | Accidents | No waiting — immediate cover |
| Principal, Spouse, Children | Illness | 1 month |
| Parents & Parents-in-Law | Illness | 3 months |
| Insurance Riders (Wedding, Childbirth, School Fees) | Any cause | 1 month |
Eligibility (Art. 10.4)
- •Be a duly registered DGA member.
- •Have substantially complied with welfare obligations.
- •Contributions at least 90% up to date (unless exempted).
- •Not under active disciplinary suspension.
- •Completed the applicable waiting period.
Humanitarian waivers are always available for genuine and documented hardship — handled with dignity and confidentiality by the Welfare Committee.
Article 10.8 — Welfare Models
How welfare is funded
Model 1
Case-by-Case Contributory
When an event occurs, all active members contribute the prescribed amount via approved channels. Disbursed within 7 days of approval.
Model 2
Annual Welfare Fund
Members pay an annual welfare premium into a pooled fund. EXCO administers and audits it yearly; 20% minimum reserve maintained.
Model 3
Group Last Expense Insurance
Enrolment with a registered insurer (e.g. Britam or Absa/ALAK via Kimisitu Sacco). Highest level of cover, recommended for progressive adoption.
20% of every welfare contribution is retained in the Welfare Reserve Fund. 80% supports the approved welfare case.
Article 10.9 — Insurance Options
Group Last Expense schemes
| Option | Provider | Cover (each) | Nuclear Family | Extended Family |
|---|---|---|---|---|
| Option 1 — Basic | Britam | KES 100,000 each | KES 1,000 (multi-claim) | KES 4,000 (up to 6) |
| Option 2 — Mid | Britam | KES 200,000 each | KES 1,300 (multi-claim) | KES 6,300 (up to 6) |
| Option 3 — Full | Britam | KES 300,000 each | KES 1,700 (multi-claim) | KES 8,700 (up to 6) |
| Option A — Basic | Absa/ALAK via Kimisitu | KES 150,000 each | KES 2,300 per family | Includes parents & in-laws |
| Option B — Mid | Absa/ALAK via Kimisitu | KES 200,000 each | KES 4,000 per family | Includes parents & in-laws |
Riders may include school-fee relief, childbirth & wedding gifts, sibling cover and fire cash compensation, subject to insurer terms.
How to file a welfare claim
Report within 48 hours · verified by a branch/generation rep · processed within 7 days.
- 1. Notify the Welfare Chairperson or Secretary within 48 hours of the event.
- 2. Submit supporting documents: ID, death/birth certificates, burial permit, police abstract (accidents) where applicable.
- 3. Welfare Committee reviews and approves within 7 days.
- 4. Funds disbursed to the registered beneficiary (must be 18+).