Hifadhi ya Jamii

Haki ya Pensheni

National Social Security Fund Act, 1997 provides for both full and partial/early pension. For full pension, a worker must have attained 60 years of age with at least 180 months (15 years) of contributions. An early pension is also available to workers from the age of 55 years.  It is reduced form of total pension and is paid from ages 55 to 59 (men) or ages 50 to 54 (women).

If a worker does not meet requirements of full or partial pension, there is also an old-age grant. The monthly pension is 30% of the insured worker's average monthly earnings in the best five of the last ten years supplemented by 1.5% of the average monthly earnings for each 12 month period of coverage exceeding 15 years. A lump-sum of 24 times the monthly pension is paid in the first time and thereafter only a monthly pension is paid. Minimum pension is 80% of the legal monthly minimum wage.

In case of early retirement, the pension is reduced by 0.5% of the insured earnings used to calculate pension for each 12 months period the pension is taken before age 60. The early pension must be at least equal to the minimum pension.

The old-age grant is provided at age 60 with less than 180 months of contribution and is equal to the average of the last sixty months of contributions before retirement multiplied by the number of months of contributions.

Source: §23-27 of the National Social Security Fund Act 1997

Fao la Wategemezi wa mfanyakazi aliyefariki

National Social Security Fund Act, 1997 provides for survivor benefit for dependents including a widow(er) and children younger than age 18 (age 21, if a full-time student, no age limit for disabled). If a worker dies and he/she has met the requirements of entitlement to old age or invalidity pension or was already getting it, his dependents are entitled to survivors' benefit.

If there are no dependent children, 100% of the deceased worker's pension is paid to the widow(er). This pension is paid for 2 years only if widow(er) is younger than 45 years or does not have a child younger than 15 years at the time of insured worker's death. If there are dependent children, widow/widower would be paid 40% of the pension and 60% of the pension would be divided among the children. Pension is split equally in case of more than one widow.

 If there is no widow/widower, 100% of the pension is divided among the dependent children (under 18 years or 21 years if receiving full time education). Survivors' Pension is available for life or until marriage for widow/widower over the age of 45 years.

A lump-sum of 24 times the monthly pension is paid in the first time and thereafter only a monthly pension is paid. Minimum pension is 80% of the legal monthly minimum wage. Survivors grant and funeral grant are also paid to the dependents.

If there is no surviving spouse or child, parents of the deceased may be paid 100% of the survivor's pension.

Source: § 33-36 of the National Social Security Fund Act 1997

Fao la kuumia kazini na kutoweza kuendelea na Kazi

National Social Security Fund Act, 1997 provides for invalidity benefit in the case of non-occupational accident/injury/disease resulting into permanent invalidity. An insured person is entitled to invalidity benefit on at least 66.7% loss of earning capacity with at least 180 months of contribution or 36 months of contributions, including at least 12 months in the 36 months immediately before the disability began. A medical examination may be required by a medical board of doctors appointed by the Ministry of Health assesses the disability.

The monthly pension is 30% of the insured worker's average monthly earnings in the best five of the last ten years supplemented by 1% of the average monthly earnings for each 12 month period of coverage exceeding 15 years. A lump-sum of 24 times the monthly pension is paid in the first time and thereafter only a monthly pension is paid. Minimum pension is 80% of the legal monthly minimum wage. It is paid until the worker reaches pensionable age (and gets old age pension) or dies, whichever occurs earlier.

Disability grant is paid as a lump sum amount if the insured worker is assessed with at least 66.7% loss of earning capacity but has less than 180 months of contributions

Source: §28-32 of the National Social Security Fund Act 1997

Taratibu juu ya Hifadhi ya jamii

  • Sheria ya Mfuko wa Hifandhi ya Taifa ya Jamii (NSSF) Mwaka, 1997 / National Social Security Fund Act, 1997
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