Self-Employed FAQ

Self- Employed

When are contributions due for payment?

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.

How often can a member pay contributions to NAPSA?

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

Are there penalties for non or late payment of contributions?

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

Do members have to continuously contribute for 12 months to qualify for a benefits?

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.

What happens when a member falls short of 120 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.

Is there need to submit any records or documents when paying contributions?

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

How and where can one pay NAPSA contributions?

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.