NAPSA Pre-Retirement Benefit (Partial Withdrawal) Explained: How to Claim Online

In Zambia, the NAPSA Pre-Retirement Benefit offers eligible members the opportunity to withdraw a portion of their pension savings before reaching retirement age. This benefit, introduced on April 17th, 2023, provides financial flexibility to members in need. Here’s what you need to know:

Eligibility Criteria:

To qualify for the Pre-Retirement Benefit, you must meet one of the following conditions:

  1. Minimum Contribution Period: You have made contributions for at least 60 months (5 years), regardless of your age, but before reaching retirement age.
  2. Age Requirement: You are aged 45 years or older, irrespective of the number of contributions you have made.

Withdrawal Limit:

Eligible members can withdraw a maximum of 20% of their total NAPSA contributions. This amount is subject to indexing, with interest added to it.

One-Time Claim:

It’s essential to note that the Pre-Retirement Benefit is a one-off benefit. Once you claim it, you cannot do so again.

How to Claim Online:

Claiming the Pre-Retirement Benefit is now more convenient with the online claim process. Follow these steps:

  1. Sign Up on eNAPSA: Register for an eNAPSA account on the NAPSA eNAPSA platform (
  2. Required Documents:
    • Phone Number: Ensure your phone number is correctly registered in your name with your mobile money provider.
    • National Registration Card (NRC): Provide a copy of both sides of your NRC.
    • Passport Photo: Have a recent passport-sized photo (less than 6 months old) ready.
    • Email Address: Ensure you have an active personal email address.

NAPSA Contact Information:

For further assistance, you can reach out to NAPSA through the following channels:

  • Contact Center Toll-free Line: 677
  • Integrity Toll-free Hotline: 5080

Additional Tips:

  • Review Contribution Statement: Before claiming, review your NAPSA contribution statement to understand the exact amount eligible for withdrawal.
  • Plan Usage: Carefully consider how you will utilize the withdrawn funds, keeping in mind that it’s a portion of your retirement savings.

By following these guidelines, eligible members can navigate the Pre-Retirement Benefit process efficiently and make informed decisions regarding their pension savings.

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