The Government Employees’ Pension Fund (GEPF) is South Africa’s largest public-sector pension fund. Membership is automatic for all employees covered by the Public Service Act, including national and provincial government staff, premiers’ offices, the Public Service Commission, Provincial Service Commissions, and the Auditor‑General’s office.
1. Defined Benefit Structure
GEPF is a defined benefit fund, which guarantees pension income as set out in the Government Employees Pension Law and Rules.
Benefits are protected against inflation; pension increases must be at least 75% of CPI (December–November), with catch-up increases if needed.
2. Who pays and how much?
Members contribute 7.5% of pensionable salary monthly; employers also make monthly contributions.
As per the 31 March 2024 valuation, the fund is financially secure and 119% funded (excluding contingency reserves).
3. Types of Benefits
| Benefit Type | What You Get |
|---|---|
| Retirement | Lump sum + lifelong pension. Options include early, medical or normal retirement |
| Resignation/Discharge | Refund of contributions with accrued interest; or transfer to another pension fund if eligible |
| Death | Lump sum + spouse, life partner, or child pension, plus assistance with funeral costs |
| Funeral | Funeral grant for deceased member or pensioner family |
| Unclaimed benefits | Can be claimed at any time, if previously unclaimed |
4. Annual Pension Increase
- Pensioners received a 2.9% increase effective 1 April 2025, matching 100% of CPI (Nov 2024), in line with GEPF rules.
- Increase timing and amount depend on CPI and the Board’s assessment of affordability.
5. Member Self-Service
You can use the GEPF Self-Service Portal and mobile app to:
- View benefit statements, IRP5/IT3 documents,
- Track claim progress,
- Update personal details,
- Nominate beneficiaries,
- Request call-back requests.
6. Where to Learn More
- GEP Law & Rules (PDF): GEPF Rule and Law
- Membership Guide & FAQs: Member Guide PDF | GEPF FAQs
Contact details
Toll free number: 0800 117 669
Email: enquiries@gepf.co.za
Website: www.gepf.co.za
