The National Social Security Fund (NSSF) is a safety net for many Kenyans once they retire, but only for members. Membership to NSSF in Kenya is open to employees working in the Public and Private sectors. As long as you are a registered member of NSSF, it is a requirement that at the end of each month, you make multiple contributions to keep your contributions and account active. Failure to remit contributions can attract fines and penalties.
The good thing with NSSF is that you can access your contributions even before the retirement age sets in. This is because the organization provides several benefits that one can apply for. But then, as a member, do you know all the NSSF benefits? And furthermore, how can you claim your NSSF money? Well this is just but two questions that this article will address.
What is NSSF?
NSSF is a state-owned movement of Kenya parastatals established in 1965 to provide social security protection to workers in Kenya. Over time, amendments such as the NSSF Act No. 45 of 2013 allowed the NSSF to become a pension scheme for all Kenyan workers.
This means that all workers in Kenya, regardless of whether they are in the formal or informal sector, can make their retirement contributions and access them once they retire. The retirement age for civil servants in Kenya is 60, but the NSSF Minimum age is 55 years.
What are the benefits of the NSSF in Kenya?
For those wondering what is being claimed on NSSF, a quick answer is the Various NSSF Benefits. Now, before we take a look at the process involved in claiming your NSSF benefits, knowing the benefits that NSSF offers is essential. Below is everything you need to know:
- Age/Retirement Benefit: This is a regular monthly payment you receive after reaching retirement age and retiring from regular employment.
- Withdrawal Benefit: If you reach the age of 55 and are not employed, you can withdraw your accumulated contributions. You can also withdraw your benefits if you become permanently disabled or emigrate from Kenya.
- Invalidity Benefit: This benefit provides financial support if you become permanently disabled and unable to work, regardless of your age.
- Survivors’ Benefit: In the unfortunate event of your death, your nominated beneficiaries will receive a lump sum payment and a monthly pension, ensuring their financial well-being.
- Emigration Benefit: This benefit is paid to Members emigrating from Kenya to a country that is not a member of the East African Community without the intention of returning to reside in Kenya.
How to claim NSSF contributions
The process of claiming your NSSF Contributions, in simple terms, is following the due process to get the amount of money that you have been contributing over time. The best part of NSSF is that you can get your mind even before you hit retirement age, but this is applicable to certain benefits such as withdrawal benefits, emigration, etc.
Requirements
The process of claiming your NSSF funds requires you to meet certain eligibility criteria. They include:
- Visiting NSSF offices in the country
- When visiting the offices, make sure to have the following documents:
- Your National ID card
- Carry your NSSF Card
- Your Bank account details where the funds will be sent
- Proof of employment termination for withdrawal benefits
- Original death certificates for survivors’ benefits, plus your marriage certificates or other documents that show your relationship with the deceased.
Process for claiming NSSF Money
So long as you meet the eligibility criteria, which typically require you to have the relevant documents ready, the application process is ready. The whole process involves visiting any NSSF branch in the Country, Obtaining an NSSF Claim application form, filling it out, and submitting it.
If everything is done well, the whole process of getting your money can take about two to three months.
NSSF Offices(Branches) In Kenya
| Branch Office | Address | P.O. Box | Tel Numbers | |
|---|---|---|---|---|
| Nairobi Region Office | Bruce Hse 5th Flr, Std Street | 50397-00200 | (020) 2222668/9 | nairobiregion@nssfkenya.co.ke |
| City Center Branch | Bruce House, 5th Floor, Standard Street | 50397-00200 | 2222668/9 | nairobiregion@nssfkenya.co.ke |
| Donholm Branch | The Point-Buruburu, Along Rabai Road (Hamsa Stage), Opposite Kenol Petrol Station, next to Naivas | 1385-00515 | 0786998818, 0773780210 | nssf.donholm@nssfkenya.co.ke |
| Eastleigh Branch | Eastleigh Mall 1st Floor, General Waruinge Rd | 7800-00610 | 0114709820, 0739102003 | nssf.eastleigh@nssfkenya.co.ke |
| Hill Branch | Social Security Hse, Block C, Bishops Rd, Ground Flr | 45969-00100 | 020-2729911, 020 2832899, 020 2713844/46/48/51, 0737633906 | nssf.hillbranch@nssfkenya.co.ke |
| Industrial Area Branch | Simco Plaza, 3rd Flr, Lusaka Road | 30451-00100 | 0737409457 | nssf.industrialarea@nssfkenya.co.ke |
| Kitengela Branch | Africa House, Ground Floor, Kajiado Namanga Highway | 529-00242 | 0739-102009 | nssf.kitengela@nssfkenya.co.ke |
| Ongata Rongai | Masai Mall, 2nd Floor, Magadi Rd | 665-00511 | 0731032088, 045-3123112 | nssf.ongatarongai@nssfkenya.co.ke |
| Westlands Branch | Rainbow Towers, Muthithi Road, Westlands | 66575-00800 | (020) 4444308, 0737409416 | nssf.westlands@nssfkenya.co.ke |
Final Thoughts
And there you have it, friend. I can say Nothing else about Claiming your NSSF Money in 2025. This article has given you all the information you need to know at your fingertips. Remember that Claiming NSSF Funds only applies to members who have met the requirements for certain benefits. Remember, start planning early, gather all your documents, and if you have questions, please comment below, and I will get back to you.