MFUKO WA MAFAO YA KUSTAAFU
RETIREMENT BENEFITS FUND
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Invalidity Benefits

Invalidity benefit is paid to a member who has been declared by the medical Board to be permanently invalid and incapable of any normal gainful employment. The invalidity benefit is paid as lump sum or pension depending on the number of years the member has contributed to the Fund before becoming invalid.

Section 31 of the Act provides for payment of invalidity benefit to a member who has been declared permanently invalid and incapable of any normal gainful employment by the medical Board.
A member qualifies to be paid invalidity benefit in two different modes depending the period contributed to the Fund.

     1. A member who has contributed to the Fund for a minimum of 180 months or 15 years will
         be paid both gratuity and monthly invalidity pension regardless of his age until his death.
               • Invalidity Pension = 0.75 X Specified Amount X 1/12
               • Invalidity Gratuity = 0.25 X Specified Amount X 12.5
                    - Where: Specified Amount = 1/580 X APE X MPS
                    - APE is Annual Pensionable Emoluments which represents the average salary
                      enjoyed by the member 36 months preceding his invalidity
                    - MPS is the Months of pensionable service

     2. A member who has contributed to the Fund for a period less than 180 months or 15 years
        will only be paid invalidity gratuity.
               • The invalidity gratuity equal to five times the specified amount; or
               • Total contributions made by the employee and the employer during the entire
                    service period plus interest as shall be determined by the Board.
                     - Where: Specified Amount = 1/580 X APE X MPS
                     - APE is Annual Pensionable Emoluments which represents the average salary
                       enjoyed by the member within the last 36 months preceding his invalidity
                     - MPS is the Months of pensionable service