How to Check Your Total Pension Contributions in Kenya

If you’re working in Kenya, it’s crucial to keep track of your pension contributions.

Knowing how much you’ve contributed ensures you’re prepared for retirement.

Here’s a simple guide on how to check your total pension contributions in Kenya.

1. Understand the Pension Scheme

In Kenya, the pension scheme is managed by the National Social Security Fund (NSSF) for private sector employees and the Government Pensions Department for public sector employees.

These schemes require both employers and employees to contribute towards the employee’s retirement benefits.

2. Gather Your Information

Before checking your total pension contributions, you’ll need to gather some information:

Your NSSF number or Government Pensions Department number
Your employer’s details, including the name and registration number
Your employment start date and any breaks in employment

3. Checking NSSF Contributions

If you’re a private sector employee, you can check your NSSF contributions by following these steps:

Visit the NSSF website at www.nssf.or.ke.
Navigate to the “Member Self Service” portal.
Log in using your NSSF number and password. If you don’t have an account, you can register for one.
Once logged in, select the “Contributions Statement” option to view your total contributions.

4. Checking Government Pension Contributions

For public sector employees, checking your total pension contributions involves a different process:

Visit the Government Pensions Department website at https://www.psss.go.ke/ or https://www.treasury.go.ke/pensions/
Navigate to the “Member’s Portal” section.
Log in using your Government Pensions Department number and password. If you haven’t registered, you’ll need to do so.
Once logged in, select the “Contributions Statement” option to view your total contributions.

5. Understanding Your Statement

When you access your contributions statement, you’ll see details such as:

Total contributions made by you
Total contributions made by your employer
Any interest earned on your contributions
The total amount available for withdrawal or retirement benefits

6. What to Do Next

After checking your total pension contributions, it’s important to keep track of them regularly.

Ensure that your employer is making the correct contributions on your behalf and notify the relevant authorities of any discrepancies.

7. Seeking Assistance

If you encounter any challenges while checking your total pension contributions, you can seek assistance from the NSSF or the Government Pensions Department.

They have customer service teams ready to assist you.

Conclusion

Checking your total pension contributions in Kenya is a straightforward process that ensures you’re on track for a comfortable retirement.

By following these steps and staying informed, you can confidently plan for your future.

FAQs on Checking Your Pension Contributions

Q: How often should I check my pension contributions?

A: It’s advisable to check your pension contributions at least once a year to ensure they are accurate and up-to-date.

Q: Can I check my pension contributions if I am self-employed?

A: Yes, self-employed individuals can check their NSSF contributions by registering as voluntary contributors.

However, government pension contributions are not applicable for self-employed individuals.

Q: What should I do if I notice discrepancies in my contributions statement?

A: If you notice any discrepancies in your contributions statement, you should immediately notify the NSSF or Government Pensions Department.

Provide them with all relevant information and documents to support your claim.

Q: Can I access my pension contributions statement if I am no longer employed?

A: Yes, you can still access your pension contributions statement even if you are no longer employed.

Simply follow the same process outlined for checking contributions while employed.

Q: How can I increase my pension contributions?

A: For NSSF contributions, you can increase your contributions by opting for a higher contribution rate when registering as a member.

For government pension contributions, you may need to consult with your employer or the Government Pensions Department for options available to increase your contributions.

Q: Can I withdraw my pension contributions before retirement?

A: Yes, you can withdraw your NSSF contributions under certain circumstances, such as reaching the retirement age, permanent disability, emigration, or upon the death of a member.

Government pension contributions may have different withdrawal criteria, so it’s best to check with the relevant department for details.