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All workers in Zambia aged between 18 and 65 years and earning K15.00 and above gross monthly income are eligible for NAPSA membership registration. Below is a brief list outlining works that are...
The National Pension Scheme Authority (NAPSA) is a statutory body formed in February 2000 under the National Pension Scheme Act No.40 of 1996 of the Laws of Zambia. Its key responsibilities entail the following:
This scheme was primarily established to provide income security to members on account of retirement (old age), invalidity and death with a focus on adequate benefits and monthly pension payments in a better way than its predecessor, Zambia National Provident Fund (ZNPF). It’s also the official custodian and manager of ZNPF’s assets and manages funds contributed under the ZNPF scheme and pays benefits to eligible members.
All workers in Zambia aged between 18 and 65 years and earning K15.00 and above gross monthly income are eligible for NAPSA membership registration. Below is a brief list outlining works that are supposed to be registered with NAPSA as per provisions in the NPS Act No. of 1996:
However, some employees are exempted from NAPSA membership. They include:
In addition, employers who fall under the following categories are eligible for NAPSA registration:
Note: The NPS Act stipulate that an employer should register within one month of starting a business or employing an eligible employee.
Registration of workers with NAPSA can be completed online through the eNAPSA portal or NAPSA Mobile App. The employers should do the registration of employees, and those in the informal sector or self-employed can register themselves on the same platforms.
How to register as a member on eNAPSA?
Alternatively, one could access and fill out the registration forms at the nearest NAPSA office.
The contribution rate for NAPSA is 10% of an employee's monthly gross income. However, an employee is mandated to contribute only half (5%) of their monthly contribution, and the employers add an equal amount (5%).
It’s also worth noting that an employee’s gross monthly earnings are subject to the prevailing contribution ceiling in that particular calendar year. Besides, the contribution ceiling is revised annually and takes effect from January each year. For instance, upon revision of NAPSA’s contribution ceiling for 2023, the maximum monthly deductible employee contribution is K1,342.00, and employers should match the same to make a maximum monthly payable statutory contribution of K2,684.00.
To start with, NAPSA offers two payment channels for remitting contributions to the scheme, i.e. over the counter and electronic payments using mobile money and online banking platforms. Employers are mandated to deduct and remit their employees' contributions alongside monthly returns within 10 days of the calendar month to which earnings relate.
Self-employed individuals can contribute using mobile money (USSD code *677#) or NAPSA Agent.
Members can check their NAPSA statements or contributions by dialing the USSD code *677#. However, the phone number used must be registered with NAPSA.
Employers can check company statements using eNAPSA online platform.
Yes, there is a penalty for non or late payments of NAPSA contributions: it’s a 10% cumulative penalty.
NAPSA offers three principle benefits and a funeral grant on top of that. Here are the benefits:
Each benefit is calculated differently based on certain components. Below is a summary.
For normal retirement and survivor’s pension benefits:
For lump sum benefits:
For early retirement pension benefits:
For invalidity pension benefits:
Note: NAPSA pension doesn’t remain the same over the years: it’s adjusted annually in line with changes in National Average Earnings (NAE) due to wage inflation.
NAPSA offers minimum monthly retirement or invalidity pension payable in a given year. It’s 20% of the NAE applicable in the year of retirement or invalidity.
If all records are complete, benefits should be settled within 21 days after filing a claim in the nearest NAPSA office.
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