Category Archives: CAOGA

CAOGA Benefits and Rates 2015

ARCO members, who are also members of CAOGA, will be interested in the information contained in the attached brief from that organisation. This gives the latest details of the Benefits and Rates for the CAOGA Group Life Assurance Plan, its Friendly Society Scheme and its Benevolent Fund.

ARCO members attention is particularly drawn to the proviso that retired/retained members who voluntarily undertake employment abroad are obliged to inform CAOGA in advance and may not be covered for such employment. 

The CAOGA office recently moved from Parkgate to McKee Barracks, Dublin. You can contact the Secretary, Comdt. Manus Ward, at 01-8042785 or the CAOGA Administrative Officer, Ms. Judy Farrell, at 01 8042786 or e-mail info@caoga.net

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CAOGA Benefits

We frequently receive enquiries from ARCO Members about their CAOGA benefits. CAOGA has a very comprehensive website which provides all of this information at http://caoga-defenceforces.com/

The following however is a very brief summary of the main benefits:

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CAOGA Benevolent Fund

The CAOGA Management Committee has decided to extend the services of the CAOGA Benevolent Fund to Retained Members in recognition of their contribution to CAOGA over the period of their service.

Retained Members who wish to be part of the scheme will be levied €2.00 per month from their pensions with effect from 1st January 2015, similar to the deduction made from the salaries of serving officers.

Should a Retained Member NOT WISH to be included in this initiative, he or she should e-mail info@caoga.net, or contact the Secretary CAOGA at 01 804 2785/2786, to opt out.

Category: CAOGA

Important Message from CAOGA

Dear Member,
CAOGA is inviting applications from Officers serving and retired who are living in long-term committed relationships for a period of at least one year, who wish to admit their cohabiting partner to membership of the CAOGA Friendly Society and Group Life Assurance Scheme. This three month window has been extended to allow the admission of partners who are forty-five years or over to join the Friendly Society and the group scheme. (Cohabiting partners under 45 years of age may apply to join at any time.)
Cohabiting Nominated Membership
Eligibility for Cohabiting Nominated Membership is conditional on both the member and the proposed Cohabiting Partner Member at the time of application being:

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Important Message from the Secretary CAOGA

 

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Notice to all members

Three month Window of Opportunity

1st May to 31st July 2013

ADMISSION OF COHABITING PARTNERS
 

Dear Member,
 
CAOGA is inviting applications from Officers who are living in long-term committed relationships for a period of at least one year, who wish to admit their cohabiting partner to membership of the CAOGA Friendly Society and Group Life Assurance Scheme. This three month window provides an opportunity for cohabiting partners of all ages to apply to join the friendly society and the scheme.

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CAOGA Update April 2012

Please click here to view a report from the Secretary of CAOGA on the developments that took place at the Society's recent AGM.  A number of Resolutions were proposed and carried which have implications for all members.  These changes are to ensure the retention of the maximum number of members and the financial viability of the Society going forward. 

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A Message from the Secretary, CAOGA

A problem has arisen with Pension Section in Galway in respect of the new Group Life Assurance Plan effective 01 September, 2011.  Some retired members have been deducted incorrect amounts.  Please be assured that the matter is receiving our full attention and that any anomalies will be addressed in next month’s pension cheque.

 

We regret any inconvenience caused.

Pauline O’Connell.
Secretary CAOGA

Category: CAOGA

CAOGA & your contact details

Contact details for

Retained CAOGA Members


 

Members of ARCO who are also Retained Members of CAOGA will have received a letter from that organisation about the launch of a new website.  In order to communicate more efficiently with its membership a database of e-mail addresses and personal phone details (home and mobile) is being compiled by them.  Those Retained Members of CAOGA who have not yet forwarded their details are requested to do so to:

info@caoga-defenceforces.com

Or by phone to 01 8042785 or 01 8042786.

Category: CAOGA

CAOGA Group Scheme

CAOGA Group Life Assurance Plan Renewal 01 September 2011

ARCO Members, who are also Retained Members of CAOGA, will have recently received information from that society on the review of its Group Life Assurance Plan and the new benefits and premiums for the scheme.  (Click here to download details.)  These will come into effect on 1 September 2011.

Members will be aware that the Group Life Assurance Plan, or the Group Scheme as it also commonly known, was originally introduced in 1976 to supplement CAOGA’s own internal scheme.  This internal scheme, known as the CAOGA Friendly Society Scheme, is restricted by legislation in the level of the death benefits it can pay and over time has ceased to meet the real financial needs of members.  Membership of the CAOGA Friendly Society Scheme also ends at age 70.  The Management Committee of CAOGA renegotiates the Group Life Assurance Plan, membership of which currently ends at age 75, with the underwriters every three years in the light of the claims level experienced and the need to maintain and develop the scheme’s relevance.

The following background information is relevant to the current changes:

  • The current economic downturn has placed severe financial strains on young officers, especially those with large mortgages and in many cases partners who have lost jobs.  This has resulted in an unwillingness by cadets to join the scheme and an exodus by young officers from it.  It is hoped the measures being undertaken by the Management Committee of CAOGA will reverse this trend.  ARCO members will be aware of the vital financial assistance CAOGA provides to young families who have suffered bereavement.
  • By 2014 the number of CAOGA members over 60 will have increased by almost 300%.  This will see the current figure of 599 rise to 1,747.  Those in the 70 to 75 age bracket will rise from 55 to 250, an increase of almost 500%.
  • This could see the over 60s making up 48% of the society by September 2014 and demonstrates the need to continue to attract younger members to the scheme.
  • Despite the relatively low claims experience among older members over the last three years, the brokers expressed the fear that claims would increase to an unsustainable level among the older cohort in the coming years.
  • As a result they strongly recommended that an upper age limit of 70 should be set for membership of the scheme.  ARCO fought hard to extend this scheme to 75 during the previous review of the plan in 2008.  Unfortunately the projected increase in the age profile did not support our case for its retention.  Nevertheless the Management Committee of CAOGA have agreed to retain membership up to age 75 for the next period of 3 years.  This has however resulted in a lowering of the sums assured.

ARCO fully accepts that CAOGA is working in the best interests of all its members and that its priority must be to ensure that the age categories of greatest need are appropriately covered.  This is in line with CAOGA's primary objective: ‘to protect the long term financial security of the member’s family in the event of the death of a key member of the family’.  We can now only wait to see if the rate of claims among older members remains low so that an increase in benefits can be considered when the next review is undertaken in 2014.

Finally, we have included below the cost of cover from another leading insurer, which shows that even with this new agreement we are still getting value for money.

AGE MALE COVER FEMALE COVER PREMIUM
55 to 60 €11,920 €14,430 €50
60 to 65 € 8,850 €10,790 €50
Category: CAOGA
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