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Qualifying conditions for Incapacity Benefits

SECURING YOUR FUTURE
  • Member must be physically or mentally incapacitated from ever engaging in further employment.
  • The certification must be made by a medical practitioner approved by the FNPF Board and registered under part II of the Medical Practitioner’s Act.
  • Persons who leave employment or are found to be unfit to do the type of work they normally do, may not necessarily qualify to withdraw.
  • Persons who are under medication or have been advised to undergo surgery and therefore stand a chance of either full or partial recovery, also do not qualify for withdrawal.
How to apply
The member completes the prescribed FNPF 9C Form and the doctor completes FNPF10 Form with a detailed Medical Report

Application Requirements
An application will be accepted only if it meets the following requirements:
  • FNPF Form 9C is duly completed by the member.
  • FNPF Form 10 is duly completed by a medical practitioner approved by the Board.
  • Termination of employment letter on medical grounds from last employer (if employed in the last 6 months).
  • Detailed medical report.
  • Membership card.
  • Certified copy of birth certificate.
  • The member’s signature in his/her application form tallies with the signature in his /her FNPF registration records (FNPF 3 or FNPF7)
.Any application that does not meet the above criteria should not be accepted.
Discretion - Cases referred to the medical board.
Eligibility
(a) Full withdrawal of balance in account.
(b) Eligible for pension if withdrawing for the first time or if a re-entrant after withdrawing on marriage or migration grounds.
Members eligible for pensions :-
(a) Normal members
(b) Re-entrant members who had rejoined the Fund after having withdrawn on the grounds of marriage or migration.
Method of Payment
Members who are eligible for a pension will be sent a Pension Option Form (9OP), detailing the available payment options.
Options are as follows :
  • Full lump sum
  • Life pension
  • Joint pension
  • Part life pension and part joint pension
  • Part lump sum and part life pension
  • Part lump sum and part joint pension
  • Part lump sum and part life and part joint pension
Compulsory lump sum payment
Members who are not eligible for pension will be paid a lump sum payment.

Authorisation of first pension payment
Amounts calculated for pension payments for a new pensioner must be checked and approved by an authorized approving officer before the first pension payment is made.

Timeframe for processing payment of an application on medical grounds
  • Payment will be processed on receipt of the pension option form duly completed.
  • Where a member opts for full lump sum payment, payment will be made within 3 working days of receipt of the pension option form (9OP).
  • Where a member opts for any type of pension, payment will be made within 10 working days of receipt of the pension option form (9OP).
  • Where a pension option form is not returned within 2 months of the date sent, it is deemed that the member has opted for a lump sum payment.
CHECK LIST
Form 9C
Form 10
Detailed Medical Report (with Medical Practitioners Stamp)
Acceptance of Termination Letter from Employer if employed within the last 12 months of applying