Pacific island countries are exposed to significant risks from natural disasters. As a disaster relief measure, Fiji allowed pre-retirement pension withdrawals in the wake of Cyclone Winston in 2016. Motivated by this policy action, this IMF working paper provides a normative analysis of the use of early pension withdrawals after disasters, by setting up a life-cycle saving model with myopic households facing large natural disaster shocks. The working paper is available to download on the IMF website.