National Pension Scheme Authority (NAPSA) wishes to notify all the applicants who
attended Aptitude Tests at Mulungushi International Conference Centre in Lusaka
to 7th September, 2013 for the under-listed jobs which were
advertised in July 2013 that those who would not have heard from us by Friday,
18th October, 2013 should consider themselves as not having met the required benchmark
for the respective positions to be subjected to Panel Interviews.....Click for more details
There are two types of survivor’s benefits, Pension and Lump sum payments. There are three sets of conditions for eligibility. One set determines which members of the deceased’s family may be eligible for a benefit. These conditions are the same for both pensions and lump sum and are explained bellow. The second set determines whether the worker’s earning record satisfies the insured status requirements for awarding survivors’ benefits and if so, which one a pension or a lump sum. The third set determines what fraction of the sum available for all the survivors each one receives and how long a beneficiary entitled to a pension may continue to receive it. No survivor is eligible for a survivor’s benefit if the deceased member was uninsured at the time of his death.
The survivors’ pension is aimed primarily at protecting the spouse and children of the deceased member in the event of death. With the exception of the cases where a member dies without leaving a spouse or children, NAPSA will only pay a survivors’ pension to surviving spouses and children regardless of whether the marriage was done under statute or customary law.
If the surviving spouse is less than forty five years old and does not have the children of the deceased to care for, he or she shall receive a pension for only two years.
In order for surviving children to be eligible for the pension, they must be under the age of 18 or 25 years if they are in full time education. The Act also makes provision for unborn children and those who are disabled by the age of 18 years by the time of death of the member.
Since survivors’ pension is based on the work record of the decease member, it is a condition for the survivors’ pension that the said member should have qualified for a retirement or invalidity pension in order for the survivor to be eligible to draw a pension.
NAPSA shall divide the available pension among the survivors according to a formula without regard to whether any of the resultant shares falls below the minimum pension or not.
Which Family Members May be Eligible for a Survivors Benefit?As a condition of eligibility, in relation to the deceased member at the time of his death, the claimant must have been:
1. A spouse
2. A child under the age of twenty five (25), engaged in full time education, or
3. A child in utero, or
4. A child of any age who is disabled under the Act both by age of eighteen and at the time of death of the member.
Tests the Members Must Meet for His Eligible Survivors to Qualify for a Pension
A surviving family member who applies is entitled to a survivor’s benefit if the deceased family member on whose earnings record he is applying, at the time of his death:
1. Was receiving either an invalidity pension or a retirement pension or
2. Was currently or fully insured.
Tests the Member Must Meet For His Eligible Survivors to Qualify for a Lump Sum.A surviving family member who applies is entitled to survivor’s lump sum if the deceased family member on whose earnings record he is applying was partially insured at the time of his death.
The Available Sum for Survivors’ Pensions and Lump Sum Payments
Determination of the Available Sum for Survivors Eligible for a Pension
Not of pensionable age, the available sum is the monthly invalidity pension computed as though the member were disabled using his death as the date of onset invalidity.
Determination of the Available Sum for Survivors Receiving a Lump Sum
The available sum for allocation among survivors entitled to a lump sum payment is the lump sum for which the deceased member was eligible at the time of his death.
Division of the Available Sum into SharesThe available sum is divided into equal shares. The numbers of these shares are:
Allocation of Pension Shares among Qualified Survivors and Duration of Benefits
A survivor entitled to a pension shall receive a pension consisting of a number of shares and for a period of time as shown here:
Allocation of Lump Sum Shares among Qualified Survivors
The share of available sum shall be divided among the survivors entitled to a lump sum of survivor’s benefits as follows:
Payment and Adjustment of Pensions
a) Pay a survivor’s pension on behalf of a child under the age of 16 to a parent or guardian caring for the child and with whom the child is ordinarily resident, and