he adds that it is critical that the primary caregiver, who actually cares for the child on a daytoday basis, is the registered beneficiary.

haeba dipatlisiso di fumana hore tjhelete e fumanwang ha e sebedisetswe molemong wa ngwana, sassa e ka kgetha motho e mong ya tlang ho amohela le ho sebedisa letlole leo lebitsong la ngwana," ho rialo letsatsi.
