Whether employed or self-employed, preparing for retirement is crucial for long-term financial security. Kenya’s National Social Security Fund (NSSF) provides a reliable savings platform to help Kenyans over 18 secure their retirement through monthly contributions, ensuring a financial buffer during retirement years. Here’s an in-depth look at NSSF and how to access your NSSF number and contribution statement online.
What is NSSF?
The National Social Security Fund (NSSF) is a government-mandated program designed to provide financial support to Kenyan workers upon retirement. Founded in 1965 under the NSSF Act (Cap 258), the NSSF initially functioned as a Provident Fund offering benefits in a lump-sum payment format. Following amendments in 1987, NSSF transitioned to a State Corporation managed by a Board of Trustees, focusing on offering both retirement and survivor benefits.
Benefits of NSSF Membership
NSSF offers members five main benefits:
- Age/Retirement Benefit – Available to members who reach 55 years or retire from paid employment.
- Withdrawal Benefit – Available for members aged 50+ who retire early.
- Survivor’s Benefit – Paid to the dependents of a deceased member.
- Invalidity Benefit – Offered to members who are permanently disabled and unable to work.
- Funeral Grant – Provided to cover burial costs for a deceased member.
How to Apply for an NSSF Card
Offline Application Process
- Visit your nearest NSSF branch or Huduma Center.
- Fill out an application form and submit it with your ID, KRA PIN, and employer details.
- Provide biometric data (fingerprints).
- Receive your NSSF membership card upon completion.
Online Application Process
- Go to the NSSF website and navigate to the “Members” section.
- Complete the online form with required details, download it, and visit an NSSF office to finalize verification.
- Upon approval, you’ll receive a PIN to activate your online account, which you can use to check your statements and contributions online.
How to Check Your NSSF Number Online
Losing your NSSF card or forgetting your NSSF number is common. Fortunately, you can retrieve your number via the NSSF Self-Service Portal:
- Go to the NSSF online portal.
- Log in with your credentials or use the “Recover credentials” option if needed.
- Access your NSSF details, including your membership number.
How to Register and Access Your NSSF Statement Online
Registered members can easily access their contribution statements through the NSSF’s self-service options:
Online Portal Access
- Log into the NSSF Self-Service portal using your username and password.
- Navigate to the “Contributions Statement” section to view or download your statement.
Mobile App Access
- Download the NSSF Kenya App from Google Play Store or the Apple App Store.
- Register or log in using your offline credentials.
- Go to the “View Statement” section to check your contributions.
Alternative: Visit NSSF Offices
Alternatively, you can visit any NSSF branch office across Kenya to request a printed statement.
Payment Deadline: Monthly contributions should be made before the 15th of each month to avoid penalties. For voluntary contributions, members can top up via M-Pesa using the PayBill number 333300, using their NSSF number as the account number.
How to Top-Up Voluntary Contributions
Voluntary contributions are an option for self-employed Kenyans who wish to secure their retirement with NSSF. Here’s how to top up:
- Open the M-Pesa menu, select “Lipa na M-Pesa,” and choose “PayBill.”
- Enter 333300 as the business number, then your NSSF number as the account number.
- Confirm the payment, and it will reflect in your account within 48 hours.
Conclusion
NSSF Kenya remains a crucial financial tool for all working Kenyans, whether employed or self-employed, providing a secure means to save for the future. By registering online, keeping track of your NSSF number, and regularly checking your contributions, you ensure that you’re building a stable financial future.
