The Pension Reform Act 2004 allows RSA holders who have been certified unfit to work on medical grounds by a qualified medical practitioner or medical board to have full access to their RSA. The medical practitioner must certify that the employee is no longer mentally or physically capable of discharging his/her official duties as contained in his/her employment schedule, due to total or permanent disability.

1. A medical certificate issued by a properly constituted Medical Board or a suitably qualified physician; (The Commission shall advise operators in this regard after due consultation with the Medical Association of Nigeria).
2. Letter of notification of retirement issued by his/her employer also authenticating the medical certificate; and
3. Pay slip or evidence of total annual remuneration.
4. Evidence of any accrued pension rights/acknowledgement of indebtedness (if an employee in the private sector).
5. Official notice of retirement

All documents received will be forwarded to the National Pension Commission for payment approval. APML will only disburse into the bank details submitted upon approval by the Commission.

In the event of death in service of an RSA holder, the employer or Next-of-Kin should notify APML of the death of the RSA holder in writing.

Documents to be submitted by the Next-of-Kin
To enable APML discuss details of the deceased, the Next-of-Kin or representative shall provide one of the following documents been a satisfactory means of identification.

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

Once the identification has been confirmed, the below listed documents will be requested from the Next-of-Kin or representative:

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.
   Copy of obituary poster (if any)

All documents received will be forwarded to the National Pension Commission for payment approval. APML will only disburse into the bank details submitted upon approval by the Commission.