Principal Pension Scheme
Withdrawal Benefits
Ill health Benefits
Retirement Benefits
Death benefits

Early Normal and Late Retirement

Before the official termination forms (JF4 AND JF8) are completed , it is important to refer to the Rule Book (Rules 14,15,18,20) to check whether the member is eligible for the respective retirement pension benefits.

As a guide,members qualify for retirement benefits as follows:

Early Retirement - Ages 55-60 years
Normal Retirement- Age 60
Late Retirement - Ages 60 to 65 years

The folllowing documents should be submitted to the Fund in respect of all retirements:

  • JF4 and JF8 forms fully completed with Local Authority official stamp.

  • Certified copies of member's Identity Card.

  • In respect of married members , certified copy of marriage certificate or affidavit plus spouse's Identity card.In addition, certified copies of minor children's birth certificates ( those under 18 years or bethween 18 and 23 years if he/she is undergoing educational courses) must be submitted. In respect of dependent children undergoing educational courses , a letter from the scholl or college head is required.


The various benefits payments from the Fund are subject to the following tax and legislative provisions:-

On Retiring from the Fund.
i) A member may commute up to one-third of his/her pension which is tax-free and;
ii) Any monthly pension is taxable as income.
iii) Should a member elect for full commutation of their pension, the full commutation benefit is taxable as income. The Fund will only pay in full the benefit upon receipt of a tax directive from ZIMRA.


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