NSSF Tells Kenyan Workers to Check One Important Detail

The National Social Security Fund (NSSF) has urged Kenyan workers to compare their payslips with their pension statements to confirm that their employers are remitting all required monthly contributions.

In an advisory issued on Tuesday, November 10, 2026, the Fund explained how employees can check whether the money deducted from their salaries is reflected in their NSSF accounts.

The directive aims to help workers identify missing contributions and seek clarification when their records do not match.

How Workers Can Check Their NSSF Contributions

NSSF has advised employees to compare the NSSF deductions shown on their payslips with the contributions recorded in their pension statements.

If a contribution is missing, workers should ask their employers to confirm whether the payment was sent to the Fund.

Employees whose employers use an approved Tier II pension arrangement should also check the relevant contributions with their employers or pension schemes.

Checking these records regularly can help workers identify problems early and ensure that their retirement savings are properly recorded.

Under the NSSF contribution rates introduced in February 2026, employees contribute 6 per cent of their pensionable earnings, while employers are required to contribute an equal amount.

The contributions are divided into two categories: Tier I and Tier II.

Tier I covers the first KSh 9,000 of monthly pensionable earnings. Tier II applies to earnings above KSh 9,000, up to a maximum of KSh 108,000.

For example, an employee earning KSh 30,000 per month contributes KSh 1,800 to NSSF.

This amount consists of KSh 540 for the first KSh 9,000 and KSh 1,260 for the remaining KSh 21,000.

The employer must also contribute KSh 1,800. This brings the combined monthly contribution to KSh 3,600.

For workers earning more than KSh 108,000 per month, the maximum statutory contribution is KSh 6,480 from the employee and KSh 6,480 from the employer, making a combined total of KSh 12,960.

The directive comes after NSSF warned employers against delaying pension contributions deducted from workers’ October 2026 salaries.

In a notice issued on Monday, November 9, the Fund said employers who fail to remit the required contributions on time face a penalty of 5 per cent of the outstanding amount for every month, or part of a month, that the payment remains unpaid.

Employers are required to submit contributions by the ninth day of the following month. The November 9 deadline therefore applied to contributions for October 2026.

NSSF has urged employers to remit both the employees’ deductions and their own matching contributions on time so that workers’ accounts can be updated correctly.

Pension contributions help employees build savings for retirement. When money is deducted from a salary but is not properly credited to the worker’s account, the employee may need to follow up with the employer and NSSF to resolve the problem.

Workers should therefore keep their payslips and review their pension statements regularly. These records can help them establish whether the expected payments have been made.

The latest advisory highlights the importance of checking pension records instead of assuming that every deduction shown on a payslip has already reached the Fund.

Have you checked your NSSF statement against your payslip recently? Share your views on the importance of regularly checking pension contributions.

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