Contributions FAQ

Members are required to make contributions  on a monthly basis. These contributions can be made on a  daily, weekly, monthly, quarterly or annual basis depending no the members ability.

Contributions payments can be done on daily, weekly, monthly and even yearly basis.

Yes. There are penalties charged for non or late payments of contributions. Payments not made by the due date attract a 10% cumulative penalty.

No. The contributions do not have to be continuous. The scheme enables members to qualify for pension after making a minimum of 120 contributions or equivalent of ten years, However , one can qualify for other short-term benefits with less than 120 contributions. For example, a female contributing member is eligible for a maternity benefit once they make 12 contributions.

If a member has reached retirement age but has made less than 120 contributions, a lump sum is paid out. This is a once-off payment that is indexed to inflation.

No, all a member needs when making contributions is their social security number and the amount they are contributing.

For members who are self-employed, contribution payments can be made using mobile money and the payment process can be initiated using NAPSA USSD function or the NAPSA Agent module on eNAPSA.

1. USSD – this is a self-service function on the NAPSA USSD code *677# that is linked to the mobile money platform and enables self-employed members to make contributions

2. Agent Module – this is a function on eNAPSA that enables a registered Agent to facilitate payment on behalf of a self-employed member.

Yes, all Domestic workers are supposed to be registered with NAPSA as per provisions in the National Pension Scheme Act No. 40 of 1996.

No, the contract may even be oral or implied. However, Domestic workers and their employers are encouraged to have written contracts as a way of formalizing their employer-employee relationship.

Within one month of starting work.

You register as an employer of a Domestic Worker with NAPSA through eNAPSA online platform or by completing employer and member registration forms obtainable from any nearest NAPSA office. NAPSA will assign you the employer with an employer account number under which the Domestic Worker will be registered.

As a Domestic worker, it is the obligation of the employer to register you through eNAPSA online platform or through completion of employer and member registration forms at any nearest NAPSA office.

By informing NAPSA using the provision provided on the eNAPSA platform. The eNAPSA platform allows an employer to add or remove an employee from their account as per prevailing situation

The Domestic worker must immediately report the case of non-registration at a nearest NAPSA office, or by calling on +260 211 395677 or our toll free number 677

10% of the Domestic workers’ gross monthly income shared equally between the employer and the Domestic Worker.

Since the member is expected to use the same Social Securtiy number even when they change jobs, their contributions from the new employer will continue accumulating in one account. However,if the Domestic Worker stops work and does not find another job, the contributions will be held in trust by NAPSA, and will continue to earn interest.

K15.00 gross monthly income.

By signing up on eNAPSA online platform, or physically visiting a nearest NAPSA office.

Once the case is reported, the employer will be assessed and made to pay all the contribution arrears for the Domestic Worker.

By visiting any NAPSA Office or by dialling short code *677#, via eNAPSA online platform, or by

calling call centre number +260 211 395 677 or toll free number 677 on their mobile phones.

A Survivors benefit and Funeral grant is immediately paid to your spouse and children. If there is no spouse and children, the benefits are paid to the administrator. To qualify for Funeral Grant, there must be 12 months contributions in the last three years from death of member.

Yes, the reimbursement can either be outright pay back, or through the transfer of contributions to the newly hired worker on the employer’s NAPSA account.

Yes, contributions in advance are allowed.

Contributing to NAPSA relieves employers from financial burdens in terms of funeral of worker in times of death, or injury or old age and possible litigations. Further, workers whose contributions are remitted to the scheme tend to be motivated and more productive at the workplace. It is also a fulfillment of an employers legal obligations as provided in the NPS Act Number 40 of 1996

Funeral Grant is standard for every member and it also increases every year.e.g in 2021 the Funeral Grant payable was K11,594.00

1. Retirement Pension; monthly income paid to a member who reaches retirement age of 55/60 years and has made at least 180 months’ contributions.
2. Invalidity Pension paid to member who gets incapacitated and unable to engage in gainful employment due to sickness or injury.
3. Survivors pension paid to spouse(s) and children of deceased member when member dies.
4. Funeral Grant also paid to the spouse/administrator when member dies and is aimed at according member a dignified burial.

NAPSA pays Funeral Grant as a short term benefit when a member dies.

Yes, if member does not reach 180 months contributions which is a requirement for a pension, they will be paid a lump sum payment. Lump sum amount is calculated based on total employer and member contributions, indexation to counter effects of inflation, and interest.

Benefits are accessible by visiting the nearest NAPSA office to log in a claim.

If all records are complete, benefit is settled within 21 days of logging in claim.

No, unless they have reached the retirement age of 60 years or they become invalid before their retirement age.

Send the full name and NRC number of the employee, and the Company name and account number you want them moved to. Send to info@napsa.co.zm.

To make amendments to employee information, download the ‘Member registration/amendment’ form from NAPSA website www.napsa.co.zm. Fill in the form and send it, with your copy of N.R.C to info@napsa.co.zm.  Please state your request clearly in your email.