A Beneficiary/Next-of-Kin (NOK) of a deceased RSA holder can access the deceased RSA in line with the PRA 2004 or the Regulations for the Administration of Retirement and Terminal Benefits for:

• En-bloc payment of the RSA balance which may consist of proceeds of Life Insurance Policy (if RSA holder was still in employment at the time of death), Accumulated Contributions (if any) and Accrued Pension Benefits.

Requirements for Accessing Benefits of a Deceased RSA Holder

The beneficiary/Next of Kin (NOK) applying for the balance in the RSA  of a deceased RSA holder must provide the following items (1), (2) and any one of items (3) - (13) below:

1. Letter of Administration or Will admitted to Probate;
2. Certificate of Death/Cause of Death;
3. Certificate of Registration of Death;
4. Police Report (if death is by accident);
5. Burial Warrant issued by a Local Government Council;
6. Evidence of Death/Burial issued by an Islamic Community Head or Judge of a Sharia Court.
7. Evidence of Death/Burial issued by a Leader of a registered church.
8. Copy of obituary poster (if any)
9. A duly completed PFA Death Notification Form
10. The Next-of-Kin shall also provide a satisfactory means of identification which can be any of following:
11. Current International passport
12. National Identity Card or
13. Letter of confirmation of identity from his/her bank or a Notary Public.

A Missing RSA Holder (Presumed Dead)

The employer and/or Next-of-Kin shall notify the PFA of the disappearance of the RSA holder after a minimum period of 12 months. The Next-of-Kin shall provide a satisfactory means of identification which can be any of following:

1. Current International passport
2. National Identity Card or
3. Letter of confirmation of identity from his/her bank or Notary Public.

Upon satisfactory identification of the Next-of-Kin, the PFA shall request for items (i) and (ii) and, if available, item (iii) listed below, which shall serve as adequate evidence that the RSA holder is missing:

(i.)A Police Report confirming that the person has been missing with effect from the reported date, the circumstance of the disappearance and that the person has not been found after more than 12 months.

(ii.)Letter of confirmation of disappearance from the employer (if in active employment at the time of disappearance) bearing the passport photograph of the missing person.

(iii.)Newspaper publication announcing the disappearance of the person.

Upon completion of sitting,the Board of Enquiry may declare the missing RSA holder as presumed dead. Subsequently, the Beneficiary/Next-of Kin (NOK) will be required to provide documentation for processing the deceased RSA holder's benefits in line with documentation requirements for accessing the benefits of a deceased RSA holder.