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Mr JD Ngwane is employed by the National Union of Mineworkers as Unit Head: Social Benefits. He assisted union negotiated retirement funds with a process involving harmonising of benefits, resulting in consolidation of funds. His self insurance experience on retirement funds helped in reducing repudiated permanent disability claims, thus resulting in savings in premiums paid to the insurer and these reverting to the members fund credit. He assisted with medical aid comparisons across the mining industry thus resulting in that the chosen option, benefits and costs are favourable to the members and its families during hard financial times.