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?

No. There a no penalties charged for non or late payments of contributions.

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.