Cushioning members and their dependants in the event of the former’s retirement, invalidity or death.

Membership

Every working Zimbabwean who has attained the age of 16 years and is under the age of 65 years, who is in permanent, seasonal, contract or temporary employment is obligated in terms of Statutory Instrument 393 of 1993 to be a member of the Pension and Other Benefits Scheme.

However, domestic employees and those in the informal sector are currently not covered by the scheme.

Contributions

The Pension and Other Benefits Scheme is financed from equal monthly contributions by both employers and employees. It is the employer’s obligation to ensure that contributions are deducted and paid to NSSA. The contribution rate is as follows:

• 4.5% of the insurable earnings (employee)
• 4.5% from  the employer

The total of 9% to be paid to the nearest NSSA office before the 1st of each month.

Coverage

The scheme covers:

• All employees working in a profession, trade or occupation who are above the age of 16 and who have not attained the age of 65. Once an employee attains the age of 65, deduction of contributions in respect of the employee should cease even if he/she continues to work.
• Zimbabwean citizens who are either employed in Zimbabwe, or outside Zimbabwe as a continuation of insurable employment in Zimbabwe.
• Persons who are ordinarily resident in Zimbabwe and are either employed in Zimbabwe, or outside Zimbabwe as a continuation of insurable employment in Zimbabwe.
• Civil servants.

Membership to the scheme is compulsory regardless of whether the employee is covered by a private scheme.

Workers who are exempted from membership are:

1. Non Zimbabwean citizens who are not ordinarily resident in Zimbabwe
2. Diplomatic staff who are non–Zimbabwean
3. Persons employed as domestic workers

Cushioning members and their dependants in the event of the former’s injury in work-related accidents.

Legislation

The scheme was established, and is administered, in terms of Statutory Instrument 68 of 1990.

Objectives of the Scheme

1. Providing financial relief to employees and their families when an employee is injured or killed in a work related accident or suffers from a work related disease or dies thereof.
2. Creating an awareness of, and promoting health and safety at all places of work.
3. Encouraging adoption of health and safety legislation through factory and machinery inspection.
4. Providing rehabilitation services to disabled employees so as to reduce their disablement and return them to their former employment or otherwise prepare them for a useful and meaningful place in society.

Contributions

The Scheme is employer funded, employees do not contribute. Currently all employers, except the Government, employers of domestic employees and informal sector employers, are required by law to contribute to the Scheme.

Registration

When an employer commences business, he/she is required to go to his/her nearest NSSA office to complete registration forms indicating the estimated earnings of his/her employees. The minimum insurance premium the employer is required to pay will be calculated using a risk factor depending on the type of industry the company is involved in. The insurance year runs from January 1 – December 31st.
Register your business

Change of business

Employers have the responsibility of keeping NSSA informed of any changes or developments in their businesses. This will allow NSSA to keep accurate records and to adjust their insurance premiums and records in line with any changes as and when they occur.
Update business details

Coverage

The scheme covers all workers formally employed in a profession, trade or occupation who are above the age of 16.
Workers who are exempted are:

• Civil servants;
• Domestic workers.
• Informal workers.

View all APWCS Benefits