Q1 Who is an Active member?

A: This is a Civil Servant who is permanent and pensionable and contributes to the PSPF defined benefit scheme every month.


Q2 Who is a beneficiary?

A: This is a spouse also known as a husband or wife whom a member is married to or has a life partnership with. Also a natural or legally adopted child of the deceased member who is;

·       Under the age of 21;

·       Under the age of 25 and a full-time student;

·       Over the age of 21 and disabled and factually dependant

·       Child who is yet to be born at time of member’s death.


Q3 When can I retire?

A: The normal retirement age is 60 years for all active members except for judges who retire at 65 years.


Q4 I intend resigning from my employment before I reach 60years. Which benefit do I qualify to receive from PSPF?

A:A Depending on the number years of service, one can qualify for the below:

Deferred retirement

A deferred retirement benefit shall be payable to a member who has 10 years of

service to his credit and is, on separation, less than forty-five years of age.

 Early retirement.

 A member may retire from the Public Service of the Government of Swaziland if

 he has ten (10) years' continuous service and has at least attained the age of forty-five   

 45 years and such retirement shall be referred to as early retirement.


 Q5 On what part of my salary are my contributions and benefits calculated?

A: On your basic salary (pensionable salary)


Q6 If my pensionable salary is adjusted, when will my contributions and benefits be adjusted?

A: Your contributions and benefits are calculated as soon as your pensionable salary has been adjusted.


Q7 How much do I contribute and my employer (Government) contribute for me?

A: You contribute an amount equal to 5% of your monthly pensionable salary to the Fund.

The Government contributes 15% of your monthly salary.

N.B. This totals to 20% of your monthly salary contributed towards your pension.


Q9 What happens if am seconded to a non pensionable office?

A: A member who has been confirmed in a pensionable office who is temporarily seconded to a non-pensionable office without a break in service may, with the consent of the Fund, continue to be a member, provided he makes the required 5% member and 15% employer contributions.

If the member in the circumstances above elects not to continue his membership in the Fund or is not permitted to do so, he shall be treated as having separated from the Fund and shall be entitled to the appropriate benefit, depending upon his age and service.

Q10 Does my pension increase in the course of time?

A: Yes. Any pension that will be payable to you or your dependants will be increased by the Fund from time to time.

Q11 What happens if, while in the actual discharge of my duty, I am injured or I contract a disease which I am exposed to, owing to the nature of my duty?

A: If you are forced to retire or if you have to retire much earlier as a result of the injury, you will receive a pension on the basis of your actual pensionable service up to date of early retirement.

If you were injured while on duty, you will receive an additional pension equal to a proportion of your annual pensionable salary from the date of your injury, depending on the degree to which your capacity to contribute to your own support is impaired:-


Degree of impairment


Slightly impaired



ten sixtieths

Materially impaired

fifteen- sixtieths

Totally destroyed

twenty- sixtieths


Q12 Are there factors that may result in in the non-payment of my disability benefit?

A: Yes, if the injury is wholly or mainly due to, or seriously aggravated by , your own serious and culpable negligence or misconduct, the benefits will not be paid.

Q13 Which exit categories are available for members at the Fund?

A: The exit categories include;

·         Normal retirement – when a member retires at 60years

·         Early retirement – when a member retires at any age above 45 years to 59 years after 10 years of continuous service.

·         Deferred retirement – When a member leaves office after completing 10 years of continuous service but is below the age of 45.

·         Resignation/Withdrawal – When a member leaves service before completing 10 years of service.

·         Dismissal – When a member’s service is terminated against his will.

·         Death – When a member dies whilst still in service.

·         Abolishment of office – When a government office is terminated.


Q14 What is my contribution rate and that of my employer? 
A: Active members contribute into the Fund at a rate of 5% of their basic earnings. Employers contribute 15 % of a member’s pensionable salary to PSPF. In total a contribution of 20% is processed to the Fund for each member each month.

Q15 When I die, what should my spouse or beneficiaries do to claim the benefits that are payable to them? 
A: Your family must complete all the necessary forms and attach all the necessary documents relating to the death of a member or pensioner (whichever of these two is applicable).

Q16 My finances have come to a crisis level and it makes me wonder if I could borrow E10 000 from PSPF? Can you please help - I need this for my family? 
A: Unfortunately, PSPF does not lend money to any member or pensioner. There are no provisions for loans in the rules of the Fund. You cannot withdraw money from the Fund while remaining in the service of government. 

Q17 What is the difference between a pension fund and a provident fund? 
A: In a pension fund, at least two thirds of the final benefit must be paid as a pension for the rest of the pensioners’ life. A maximum of one third of the final benefit may be taken as a once-off lump sum or cash payment. In a provident fund, the full amount of the benefit available at retirement may be taken as a lump sum cash payment, irrespective of whether this benefit is calculated on a defined benefit or a defined contribution basis. 

Q18 What are the definitions of the words 'annuity' and 'gratuity'? 
 An annuity (or monthly pension) is an amount that is paid regularly, i.e. monthly. A gratuity (or lump sum) is a single once-off payment of a benefit in cash.

Q19 Please explain the difference between a defined benefit and defined contribution fund. 
A: A defined benefit fund is a fund where the benefits are defined in terms of the rules. In this type of fund benefits are generally guaranteed and are not dependent on the investment returns of the fund or on the level of employer contributions. PSPF is a defined benefit fund. A defined contribution fund is a fund where the benefits are mainly based on the accumulation of contributions plus investment returns. Benefits are dependent on the level of investment and bear the risk of poor investment returns.