Assessing Economic Impact of Delayed Payment of Retired Teachers in Ndola District Zambia

This article is about financial situations teachers go through when retirement benefits are delayed, Teachers retire at the age of 55, 60 and or 65 years. A research was conducted in Ndola City with teacher population size of 4414 teachers (Ndola Debs office 2025). Teachers face delays in receiving their retirement benefits which create economic hardships that negatively affect their standard of living, therefore the study assessed this economic impact by using a mixed-methods approach which measured the variable to determine the impact. Sample size was 80 respondents, and it was discovered that retired teachers who were in salary scale F experienced the highest economic strain, while scale G is less extreme. Scale H is moderately below average. Retirees are failing to meet or buy clothing which was 26.25%, healthcare 25%, paying water bills was at 17.5% and food 13.75%. energy 11.25% and shelter 6.25%. Shelter was lower because retirees own their homes. Chi-Square Test of Independence was conducted to test the relationship between spending on food, clothing, investment, and healthcare However, since 6.88 < 16.92, the null hypothesis was rejected which stated that delayed payment of retirement benefits to teachers does not reduced their ability to meet basic needs, consumption and financial stress. Therefore, it is recommended that there should be an automated pension processing systems and each organisation should create a contingency welfare fund accessible to affected retirees during pension delays.