The rationale of a retirement benefits scheme is to alleviate old age poverty and a contributing factor to poverty is the loss of the principle bread winner. Despite paying survivors benefits, statistics indicate that up to 80 per cent of the said families have to downgrade their living standards and are susceptible to poverty. To address this challenge, the Laptrust scheme introduced additional insurance-based benefits; Group life cover (3 times annual pensionable salary) and last expense (USD 1,000) to complement existing survivor's benefits drawn from the scheme. The challenge after this introduction was that the survivors lacked capacity to effectively manage the financial resources even after financial management sensitization. A trust fund was set up in February 2012 to plug this gap and ensure they do not end up in poverty. The Trust Fund started with three members and currently has a total 152 members with a fund value of USD 2.3 Million as at 30.4.2017. The Fund has contributed to a reduction in the number of school drop outs; decent living standards by the survivor's & reduction in ligation.