May 14, 2020 08:11
4 yrs ago
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French term

DOUBLE EFFET FAMILIAL

French to English Bus/Financial Insurance insurance policy
This appears in a group Life Insurance policy for employees and refers to the payment of an extra lump sum amount if the spouse dies at the same time or after the employee. The heading is "Double Effet Familiale" and it is defined as:

Cette garantie permet le versement d’un capital supplémentaire en cas de décès simultané ou postérieur du salarié et de son conjoint.

Any idea what this would be called in an English policy?
Change log

May 14, 2020 08:17: writeaway changed "Field" from "Law/Patents" to "Bus/Financial" , "Field (write-in)" from "(none)" to "insurance"

May 14, 2020 08:17: writeaway changed "Field (write-in)" from "insurance" to "insurance policy"

Discussion

Leighton Jacobs May 15, 2020:
ph-b Regarding the "whoever will look after the children", I was just quoting what I've found but you would think that it should go to the children and be managed by someone. Nevertheless, the following seem to suggest otherwise:

E.g. "Double effet familial : en cas de décès, la personne en charge de vos enfants pourra bénéficier d'une garantie décès toutes causes." (https://www.allianz.fr/prevoyance-dependance/prevoyance/assu...

And "Le bénéficiaire de la garantie Double Effet Familial est la personne qui aura la charge des enfants de moins de 26 ans
à la suite du décès de l’assuré." (https://comparateur-prevoyance.com/wp-content/themes/twentys...

Certainly, a lot will depend on the specifics of the context and policy, as you say.
ph-b (X) May 15, 2020:
Leighton, That's right and this is one of the reasons why I have replaced my previous answer as a part of it no longer applied. Re your second paragraph: not sure the money literally goes to "whoever will look after the children". This may be different from one policy to the other and Jane will have to check hers. I would have thought that the money goes to the child/children, on the understanding of course that it is managed by someone else (guardian, etc.) if they are under age.
Leighton Jacobs May 15, 2020:
ph-b "Other Insured" was actually my original answer! But from my limited research it seemed that this term is not used with Group Insurance policies? That's why I also had a rethink and answered again. I agree that my answer is somewhat problematic in the fact that it's not one policy but two related policies, wherein one covers the employee and the other covers the spouse, but I think this is generally how the same end effect would be achieved - in the UK at least - with regard to group insurance policies.

"Surviving Child Lump Sum Indemnity" is certainly a nice solution but this might be construed as implying that the DEF benefit goes directly to the child or children, which is not the case. The benefit apparently goes to whoever will look after the children. But this got me thinking whether there's a slightly different way of phrasing your solution involving "group life" and I'm now wondering whether perhaps "Dependent group life insurance" would be a more accurate solution? (https://www.valuepenguin.com/dependent-life-insurance)
ph-b (X) May 14, 2020:
Leighton, "to provide a lump sum benefit to an employee should their spouse or partner die" That would (probably) be an "Other Insured" clause. Yes, the partner has to die with Double effet familial, but the employee must die first.
ph-b (X) May 14, 2020:
Adrian, "Dual Life" and Double effet familial are two different things. In the former, you have two insured persons and the premium reflects the dual risk. Not so with DEF, where only one person is insured and pays a premium accordingly. The only part the second person plays is... to die (within a certain period). That person's death is not a loss to the policy per se (that person is not insured); it is however an essential condition for the cover to operate and for the children to get their money. One premium, two deaths, as it were.
John ANTHONY May 14, 2020:
I don't really know... but would something like "combined family effect" mean anything...?

Proposed translations

4 hrs
Selected

Group life insurance spouse and partner benefits

My first answer was somewhat rushed and therefore not accurate to this specific context so this is now my corrected answer after time for some further research:

As you say, it's referring to a group life insurance policy (sometimes also called death in service) and the "double effet familial" to a provision in this policy - this is where the systems differ across countries it seems because employers would need another specific policy for "spouse and partner group life assurance" in the UK in order to provide this same lump sump benefit for the death of the spouse or partner as well. E.g. Aviva's product information guide (https://www.aviva.co.uk/adviser/documents/view/gr01162.pdf) refers to being able to "combine Group Life cover with our other policies, such as Group Critical Illness, Group Income Protection and Group Spouse/Partner Life cover".

Unum defines these spouse/partners policies as: "A policy is taken out by the employer to provide a lump sum benefit to an employee should their spouse or partner die while insured" (https://www.unum.co.uk/group-life-insurance). This is therefore an additional policy to the main policy that covers the employee, which of course is somewhat different to the French context in which this all falls under one policy.

I fear anything too literal would likely not be understood so the translation I would suggest would be something like "group life insurance spouse and partners benefits" (or something similar) to convey the benefit of a lump sum payment associated with spouse/partner group life insurance/assurance policies.

Hope this helps!


Example sentence:

A policy is taken out by the employer to provide a lump sum benefit to an employee should their spouse or partner die while insured.

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4 KudoZ points awarded for this answer. Comment: "Many thanks to everyone who provided an answer "
38 mins

Death in service cover for the deceased employee and spouse's death in service cover

I believe they are talking about a clause in an insurance contract on what is called "death in service" cover plus cover for the spouse's death (simultaneously). I'm not sure if there is a more specific translation but this is what it is. Could try to call it Double family cover perhaps? Double family protection otherwise I'd go with the above

Also spouses' death in service

See my refs below thanks

www.lam.ie › Group-Risk


https://www.moneysupermarket.com/life-insurance/death-in-ser...

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Note added at 39 mins (2020-05-14 08:51:00 GMT)
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See also

A group life assurance scheme enables employers to provide a tax free lump sum benefit and/or a dependent's pension to an employee’s family and children, if they should die in service.

https://www.willisinsurance.co.uk/services/wealth-management...
Example sentence:

The death-in-service benefit is funded from the wider scheme and is paid along with the balance of the member's pension to their spouse

Wexford Financial Services offers the best offer on death in service Insurance in

Peer comment(s):

neutral philgoddard : This is hard to understand because you've left out the punctuation and repeated "death in service cover"..
4 hrs
neutral ph-b (X) : Unclear to me. Do you mean that the spouse must be "in service"? With the same employer? Neither would be necessary under double effet familial.
6 hrs
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4 hrs

{commorientes} dual-life payout

In Latin in an English policy.....




Example sentence:

Joint life cover insures two people but a claim is paid out on the first death only. Cover ends when the first person dies. Dual Life Insurance also insures two people but a claim can be paid on both deaths.

COMMORIENTES. This Latin word signifies those who die at the same time, as, for example, by shipwreck. 2. When several persons die by the same accident, and there is no evidence as to who survived, the presumption of law is, they all died at the same time

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12 hrs

dual purpose family cover

I found a definition for 'effet' to mean 'effect' or 'purpose'
Example sentence:

Cette guarantie permet le versement d'un capital supplementaire en cas de deces simultane ou posterieure du salarie de son conjoint.

This guarantee permits the payment installment of supplementary capital or funding from the spouse's salary at the same time, or at a later date, in the case of bereavement.

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1 day 4 hrs

Surviving Child Lump Sum Indemnity

I suggest this explanatory translation unless someone finds a suitable English expression. Not word for word, as is often the case with specialised vocabulary anyway, but then double effet familial isn't the clearest of expressions either and needs to be explained too.

Double effet familial in the context of insurance:

L’Institution verse aux enfants à charge…en cas de décès du conjoint ou assimilé du Participant simultanément ou postérieurement au Participant, un capital dont le montant…
( https://www.malakoffhumanis.com/sites/smile/files/files/cond... ) MalakoffHumanis are one of the largest pension fund managers in France.

Double effet familial
En cas de décès simultané ou postérieur du conjoint

( https://www.legifrance.gouv.fr/affichIDCCArticle.do;jsession... )

See also here : https://www.bp-preventio.org/transverse/pdf/IPBP_addendum_no...

These three definitions back the sentence in the question : Cette garantie permet le versement d’un capital supplémentaire en cas de décès simultané ou postérieur du salarié et de son conjoint. In other words, if both parents die within a certain time (to be defined) of each other, surviving children will be paid an indemnity (variable amount).

Contrary to what has been written elsewhere, this is not about the spouse getting any money; in fact, for the double effet familial guarantee to work, the spouse must die too.

I haven’t been able to find a suitable equivalent in English but the following is similar (except for the spouse thing) and the terminology there can be helpful:
“A surviving spouse or child may receive a special lump-sum death payment... If there's no eligible surviving spouse, the lump-sum can be paid to the worker's child (or children)”
https://www.ssa.gov/planners/survivors/ifyou.html#h7

The source text doesn't actually say that this money is paid to the couple's children, nor do we know the amount of the indemnity. I've based these two assumptions on my research.

PS: This is an edited version of my previous answer, which I have deleted.
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