The Nation Newspaper

Category: Pension

  • We recognise vital role of PTAD, say Reps

    We recognise vital role of PTAD, say Reps

    The House of Representatives recognises the vital role which the Pension Transitional Arrangement Directorate (PTAD) plays, especially in payment of pensions, gratuity and death benefits to retirees of the Federal Government exempted from the Contributory Pension Scheme (CPS).

    The members stated this on Monday when the House Committee on Pensions, led by its Chairman, Hussaini Mohammed Jallo, visted the Directorate as part of their oversight functions.

    He explained that the Committee was established to support the Directorate, ensure accountability and transparency, facilitate collaboration and above all, appropriate the needed funds to take care of the pensioners under PTAD’s jurisdiction.

    Jallo and other members of the Committee congratulated Odunaiya on her appointment as the Executive Secretary of PTAD, and enjoined her to work with the Committee to address the challenges and overcome obstacles in order to enhance service delivery and public satisfaction, as well as uphold the highest standards of integrity.

     “Together, we will drive positive change and excellence not only to PTAD, but to the pension industry as a whole,” the chairman added.

    Read Also: PTAD: Resolving pensioners’ issues

     Executive Secretary of PTAD, Tolulope Odunaiya, expressed her appreciation to the Committee for their support to the Directorate and pledged to continue in the giant strides laid and ensure that the relationship between the Directorate and the Committee remained cordial and beneficial to the pensioners.

    The PTAD boss informed the Committee of the Directorate’s achievements since they last visited, which in addition to regular payment of monthly pension include the opening a new state office in Ilorin, Kwara State; payment of arrears to some pensioners in line with approval from the National Salaries, Incomes and Wages Commission; and gratuities and death benefits to pensioners and Next-of-Kin of deceased pensioners.

  • NAICOM, ICRC partner on insurance for assets under PPP

    NAICOM, ICRC partner on insurance for assets under PPP

    The National Insurance Commission (NAICOM) and Infrastructure Concession Regulatory Commission (ICRC) are partnering to implement insurance provisions for assets under public-private partnership arrangements.

    The issue was part of the discussions when the Commissioner for Insurance Olusegun Omosehin visited the Office of the Director-General of the ICRC Dr. Jobson Oseodion Ewalefoh at his office.

    According to the two agencies, the deal marks a significant milestone in Nigeria’s infrastructure development by ensuring that infrastructure projects are properly insured, to mitigate potential risks, protect investments, and promote economic growth.

    The Commissioner stated that as the apex insurance regulator, NAICOM plays a crucial role in advising the government on insurance matters and ensuring the protection of strategic government assets.

    Read Also: NAICOM, NDPC move to safeguard personal data of insurance policy holders

    Meanwhile, ICRC has been driving public-private partnerships (PPPs) to fast-track infrastructure development in Nigeria and by working together, NAICOM and ICRC can ensure that insurance coverage for PPP projects is robust, reliable, and compliant with regulatory requirements.

    This partnership will likely have a positive impact on Nigeria’s infrastructure development, attracting more investments and promoting growth.

    A joint Committee was set up to draw up modalities for the partnership and a strong statement for compliance with insurance requirements in any contract would be issued by next January.

  • Pension complaints and solutions

    Pension complaints and solutions

    ISHOLA: Good day, my name is Ishola. I am on a life annuity with African Alliance. I retired in 2014 from Nigerian Postal Service (NIPOST). The last payment I received was in April 2024. Kindly help me.

    PENCOM: The RSA holder to visit PFA to recapture his PIN and provide details of the two PINs to enable us work on deactivating one.

    MRS OGBE: Hello, I am Mrs Ogbe. I submitted my annuity transfer letter to Stanbic IBTC Pension but they have not done it. Please help so that Stanbic IBTC will transfer me to my preferred insurance company

    PENCOM: Please be advised that Stanbic IBTC have done the transfer.

    BOLAJI: Hello Omobola, my name is Bolaji. I am soliciting PenCom’s intervention to enable me to access an additional 25 per cent of my pension contribution.

    I worked with GTBank between 2006 and 2017. I accessed 25 per cent of my contribution in 2017, which was paid into my salary account that was in the debit position owing to an outstanding car loan. I can present my account statement if need be. I know how passionate you are about us; pensioners. Times are really tough and this lifeline is all I need to get back on my feet again. Kindly assist me.

    PENCOM: Please be informed that the RSA holder has already accessed 25 per cent of his RSA and as such cannot access it twice until retirement.

    ANICHEBE: Hello, my name is Anichebe and my PFA is ARM Pension. I was last paid in April 2023 because I opted for once payment yearly to enhance the sponsorship of my children. Please help me to get African Alliance Insurance to pay me. Thank you.

    PENCOM: You are advised to clearly state the complaint in order for us to respond accurately.

    ASINOBI: Hello, I am Asinobi. My PFA is Stanbic IBTC Pension Managers. I am writing in respect of my annuity contract. I was last paid April 2024 and they have been giving empty promises all the time. Please help me and my fellow pensioners who were affected out of this dilemma. I am waiting to hear a good response from your office.

    PENCOM: You are advised to please clearly state the complaint in order for us to respond accurately.

    DJOGRI: Hello, my name is Adjogri. I retired on July 31, 2016 from the Delta State SUBEB, and got my accrued right to process my lump sum and pension. I went to Oak Pension Limited on November 8, 2023 to process it after eight years. But I have not heard from them. l am yet to receive my lump sum nor has my annuity sum been released.

    Meanwhile, my contemporaries that chose programme withdrawal with the same Oak Pension have received their payments. Is it a crime to choose annuity which is what warrants this unholy treatment from Oak Pension? The Pension Act provides us the freedom to choose any form of payment and I have opted for Annuity but Oak Pension is punishing me because I didn’t choose their Programme Withdrawal. I plead with PenCom to intervene and not allow the situation degenerate into litigation. Thanks in anticipation.

    Read Also: IGP kicks against bill on police exit from pension scheme

    PENCOM: Please, note the evidence of Annuity Request is yet to reach the Commission. The RSA holder should contact the PFA to submit the request.

    ANNONYMOUS: Madam, I strongly need your help. We are leaving the country and we need money for upkeep on the way. We are banking on the 25 per cent of my pension savings. PenCom is yet to approve. Kindly help us.

    PENCOM: Kindly provide the details of your Retirement Savings Account, the PIN and the PFA to enable the Commission process the complaint.

    OLABISI: Hello, you requested for my PIN, name and PFA and I have provided them. I have also submitted my application. But, I am yet to be paid 25 per cent of my savings for job loss.

    PENCOM: Dear Mr Olabisi, please contact your PFA to direct you on the next steps as the application is incomplete.

    ABUBAKAR: Dear madam, my name is Abubakar from Ilorin. I worked at the Nigerian branch of the Danish Yogurt company, FANMILK PLC, for 31 years. It was an illness brought on me at my workplace via an accident that made them lay me off without compensation. I beg to use this forum to appeal to the CSR conscience of FANMILK PLC and the embassy of Denmark. Thank you.

    PENCOM: Not under our purview, NSITF.

    FOLORUNSO: My name is Folorunso. I worked at the Vanguard Newspaper and later joined The Nigerian Tribune. On joining Tribune, Stanbic IBTC Pension opened a new RSA account for me, the same Stanbic with Vanguard. I have double PEN registration and am having difficulties accessing my funds.

    For over a year, I have kept writing STANBIC and the DG of PenCom but to no avail. After much pressure, STANBIC claimed to have harmonised the two PEN account numbers and it is left for PenCom in Abuja to give approval for me to access my funds. My findings show that it will take another one year to get PenCom approval. Please what can I do to get the urgent attention of the PenCom DG to resolve my pension issue?

    PENCOM: send the PIN numbers.

  • Upholding responsibility: Roles of employers in CPS

    Upholding responsibility: Roles of employers in CPS

    In a world where financial security during retirement is paramount, the Contributory Pension Scheme (CPS) is a vital pillar for providing a dignified post-work life for employees. The Pension Reform Act (PRA 2014) clearly defines the roles and responsibilities of the employer and the employee under the CPS.

    The CPS is a contributory scheme under which the employer and the employee contribute to paying the employee’s retirement benefits.

    The National Pension Commission (PenCom) has been focusing on the key obligations of employers under the CPS, emphasising their crucial role in safeguarding the retirement aspirations of their workforce.

    Obtaining an Employer Code

    To ensure seamless integration into the CPS, employers must prioritise the first step, which is to obtain an employer code from the PenCom. The employer code is a unique identifier that enables organisations to remit pension contributions. Employers who do not have an employer code cannot remit pension contributions for their employees. To obtain an employer code from PenCom, the employer must fulfil the following requirements: A company registration certificate issued by the Corporate Affairs Commission (CAC), tax identification number (TIN), and an application letter on the company’s official letterhead.

    Opening nominal RSAs

    Employees are responsible for opening Retirement Savings Accounts (RSAs) for their monthly pension contributions. RSAs are personalised accounts that enable individuals to accumulate their pension contributions over their working lives. An employee has the exclusive right to select a PFA with which to open an RSA.

    However, where an employee has yet to open an RSA six months after employment, the employer must open a Nominal RSA for the employee. This proactive step ensures the employee’s pension contributions are not neglected and paves the way for a smoother transition once the employee establishes his RSAs.

    Deduct and remit pension contributions for employees

    One of the fundamental obligations of employers under the CPS is the timely payment of pension contributions on behalf of their employees. The employer is required to deduct the monthly contributions of the employee, not later than seven working days from the day salary is paid and remit an amount comprising at least 8 percent in respect of the employee and 10 percent employer contribution to the Pension Fund Custodian (PFC) specified by the Pension Fund Administrator (PFA) of the employee.

    Read Also: Major shakeup in police as PSC moves four CPs to state command

    To maintain the integrity of the CPS, employers must remit pension contributions promptly. Timely remittance not only ensures the smooth functioning of the pension system but also safeguards employees’ trust in their employers. By fulfilling this obligation diligently, employers contribute to the stability and growth of the pension fund, ultimately benefiting all participants.

    The Pension Reform Act 2014 (PRA 2014) states that an employer who fails to deduct or remit the contributions within the stipulated time frame of seven working days from the day salaries are paid shall, in addition to making the remittances already due, be liable to a penalty, which shall not be less than two per cent of the total contributions that remain unpaid for each month or part of each month the default continues. The penalty amount shall be recovered as a debt owed and paid into the employee’s RSA.

    It should be noted, however, that the 18 percent monthly pension contribution is a prescribed minimum, as the employer may elect to increase the rate or bear the whole burden on behalf of the employee. Employers must deduct the specified percentage from employees’ salaries, demonstrating their commitment to fostering a culture of personal financial planning among their workforce. This deduction strengthens employees’ retirement prospects and instils financial discipline when made consistently.

    Procurement of Group Life Insurance Policy for employees

    Employers must also procure a group life insurance policy (GLP) for their employees. This policy serves as a safety net, providing financial protection to employees’ named beneficiaries in the event of death while in active service.

    The insurance policy pays the ‘sum assured’ benefit to the next of kin or dependents of an employee who dies in active service. Specifically, the provisions of the GLP affect employers in the public and private sectors covered under the CPS. Employers must maintain a GLP in favour of each employee covered by the CPS for at least three times their annual total emolument.

    The premium in respect of the GLP shall be paid not later than the date of commencement of the cover. Where the employer fails or refuses to make payment as and when due, the employer shall arrange to settle claims arising from the death of any staff during such a period.

    In conclusion, as the backbone of the nation’s workforce, employers play a pivotal role in upholding the integrity and success of the CPS. Robust and responsible employer participation in the CPS ensures a retirement landscape built on trust, transparency, and a shared vision for a dignified future for all employees.

    • Culled from PenCom
  • PenCom lifts restrictions on LPFAs’ investments in commercial papers

    PenCom lifts restrictions on LPFAs’ investments in commercial papers

    The National Pension Commission (PenCom) has lifted the restrictions placed on Licensed Pension Fund Administrators (LPFAs) over investment in commercial papers where capital market operators (non-banks) are engaged as Issuing and Paying Agents (IPAs) without rules governing the issuance.

    PenCom made this known in a document entitled: “Investments in Commercial Papers by Licensed Pension Fund” released to reporters yesterday.

    The commission referred to its circular of October 23, this year, where it directed LPFAs to  suspend further investment in commercial papers where capital market operators (non-banks) are engaged as Issuing and Paying Agents (IPAs) due to the absence of rules governing the issuance, adding that the Securities and Exchange Commission (SEC) has developed draft rules and an amendment to rule 8 (Exemptions) to regulate the issuance of Commercial Papers by its regulated entities.

    Read Also: PenCom introduces E-Pension clearance certificate application portal for employers

    The statement read: “Accordingly, SEC is addressing PenCom’s concern about the role of non-bank IPAs in Commercial Paper transactions by bringing them within regulatory boundaries, pension industry regulator submitted.

    “It maintained that consequently, to facilitate capital raising and ensure continued market stability, it has lifted the restriction on LPFAs investing in commercial papers where capital market operators act as IPAs.

    “Nonetheless, LPFAs must ensure that appropriate legal and financial due diligence are undertaken on all Prospectus/Offer Documents of all commercial papers prior to investment as stipulated in Section 2.9 of the Administrators Regulation on Investment of Pension Fund Assets.’’

  • DBS: Pensioners relish in new narrative for pension administration Part 2

    DBS: Pensioners relish in new narrative for pension administration Part 2

    Pensioners are still relishing in reforms that has changed the narrative of pension administration under the Defined Benefits Scheme (DBS)

    Changing the Narrative

    Over the last nine years, PTAD has worked hard to address challenges and transform the management of the DBS in several significant ways. Over time, there has been Management of Pensioners Files/Records, Verification of Pensioners, Computation or Calculation of Pension Benefits, Settlement/Payment of Pension Arrears, 33 Per Cent Arrears, Death Benefits, Among Others; Management of the Monthly Pension Payroll; And Resolution of Pensioners’ Complaints

    PTAD has reorganized, repackaged and archived pensioner’s personnel files and verification files. In the same vein, PTAD created a field verification process that respects the dignity of senior citizens. Multiple verification centers were used so that crowds would not be too large and a simple four step process from arrival to completion of verification, to minimise stress was achieved.

    There is provision of a conducive environment inside event centers/halls with chairs and tables for pensioners; refreshments that included lunch and water were provided for pensioners; provision of wheel chairs; and stand-by Ambulances or First Aid, at centres.

    Mobile verification

    PTAD also deployed mobile verification to ensure no qualified pensioner was left uncaptured. Pensioners that were aged, infirm, sick or physically challenged were also captured by sending mobile teams to pensioners their homes, in hospitals among others.

    PTAD Mobile Teams have visited over 80 different cities, towns and villages and countless hospitals across the entire nation, including every state capital.

    Pensioner Verification

    PTAD inherited 268,897 pensioners on payrolls of the Old Pension Offices at inception. Through verification, PTAD has created a centralized database, complete with pensioners personal information, biometrics, and career documents. The database is the first of its kind in DBS history and as such its integrity is paramount.

    Computation & Payroll Management

    A Benefits Computation System has been created to make it easier to calculate pensioners’ benefits with minimum manual interference. The Payroll Management System helps with managing changes/updates to the monthly pension payments. The payroll is then uploaded to the government-approved GIFMIS platform for payments to pensioners. Monthly Pension as at December 2022.

    Complaints Resolution

    Prior to PTAD, the Complaints Desk at the Office of the Head of the Civil Service of the Federation lacked adequate capacity and was not sufficiently resourced. Complaints management had poor customer service. It also did not have an efficient tracking process, and so was not able to provide prompt and timely complaints resolution. The Complaints Management System allows us to register pensioners’ complaints and track progress to resolution.

    Read Also: Customs seeks separate pension administration

    Pensioners can send in their complaints in a number of ways:

    Walk-In to any of our contact centers at HQ or any of 11 State Offices; write a letter to the Executive Secretary; Call or Send an Email to Our Call Center; Fill Complaint on Our Website; Post Message On Social Media (Twitter Or Facebook). Eleven state liaison offices have been set up and are fully equipped.

    The Narrative Has Changed

    With respect to the administration of pensions under the DBS, pension reform has been a success. The overall success is not just as the result of deploying information technology, more critically it has been as a result of political will and strong support from the current administration and key stakeholders; strategic and strong leadership at the helm of PTAD; Efficient and effective deployment of available of resources and human capital, and the investment in human capital development; Creativity, Initiative, Passion, Commitment and Empathy of PTAD management and staff; and Collaboration and support from pensioners and their union representatives.

    Future Plans

    I AM ALIVE Confirmation solution has been slated for database cleanup. Launched April 2023, so far 50,553 have been confirmed “Alive”. There is improved welfare of our pensioners, including access to health insurance for pensioners; Increased coverage across Nigeria – opening more State Offices; Harmonization of pensions to enable pensioners who retired on the same grade level and step under the same organisation at different years  earn a unified pension for equity; and  Implement Constitutional provision of five yearly Pension increment due in 2024.

  • Heirs Insurance Group calls for AI innovation to drive insurance growth in Africa

    Heirs Insurance Group calls for AI innovation to drive insurance growth in Africa

    Heirs Insurance Group has called for the adoption of Artificial Intelligence (AI) to revolutionise insurance in West Africa.

    The Sector Head, Heirs Insurance Group, Niyi Onifade made this call while delivering the keynote address and theme paper at the West African Insurance Companies Association Conference in Accra, Ghana. The conference brought together industry leaders, policymakers, and tech innovators from across Africa to discuss the future of Insurance in West Africa.

    He highlighted the critical role Artificial Intelligence (AI) can play in shaping the future of the insurance sector in West Africa.

    In Onifade’s presentation, titled “Artificial Intelligence and the Future of Insurance in West Africa,” he emphasised the need for insurance companies to embrace AI to stay competitive and meet the demands of the modern consumer.

    He outlined how AI is revolutionising the insurance experience by automating processes such as claims management, enhancing risk assessments, and providing personalised customer service.

    He said: “AI is not just an innovation; it is the gateway to the next generation of insurance.

    In our sub-region, West Africa, the insurance penetration rate is much lower. AI offers an unprecedented opportunity to reach more customers, reduce operational costs, and enhance customer experience. The insurance consumer of today is more digital than before and will become much more digital in future. Our industry has to scale up on digitalisation to meet the needs of today and tomorrow”.

    Onifade further highlighted Heirs Insurance Group’s leadership in integrating technology, particularly AI-driven solutions, to enhance customer experiences, improve risk management, and drive financial inclusion.

    He emphasised the Group’s investment in digital platforms that streamline operations and expand access to underserved populations.

    Read Also: Heirs Insurance Group records N31.7b premium

    He stated that West African stakeholders need to collaborate in adopting AI and developing supportive regulatory frameworks to foster innovation and protect consumer interests.

    We must act now to seize this moment and change the landscape of the insurance sector, he posited.

    Heirs Insurance Group is the insurance subsidiary of Heirs Holdings, the leading pan-African investment company, with investments across 24 countries and four continents. With a rapidly expanding retail footprint and an omnichannel digital presence, Heirs Insurance Group serves both corporate and individual customers across Nigeria.

  • ‘Pension administrators’ role critical to contributors’ financial wellbeing’

    ‘Pension administrators’ role critical to contributors’ financial wellbeing’

    The role of pension administrators is critical with pension administrators responsible for building investment with the contributors’ fund under the Contributory Pension Scheme (CPS) to secure financial wellbeing in retirement, the Managing Director/CEO, Leadway Pensure Olusakin Labeodan, has said.

    He said this while delivering a paper on: “The Role of Pension Funddministrators: Educators and Enablers” in Lagos.

    Labeodan said it is a delicate task as families thrust their future wellbeing in the capacity to make the right investment decisions whilst safeguarding their contributions.

    However, he stated that they are also expected to hold the contributors’ hands during this long journey, noting that they can only make pivotal decisions with the right information and support.

    He said: “Beyond expertly managing funds, PFAs must also serve as educators and enablers, empowering pension holders to make choices aligned with their financial goals. This is not merely about offering options; it’s about fostering a culture of financial literacy, inclusion and empowerment. PFAs should demystify the fund structure and actively communicate the benefits of each fund.

    “Many contributors, for instance, need to be made aware that they have the right to switch between RSA funds or adopt a more growth-oriented strategy while still young enough to reap the benefits. A more transparent and user-friendly approach to educating clients could significantly improve their long-term financial security. Changing the Narrative: Your Pension, Your Choice.

    “For pension holders, this is a call to action. Gone are the days when defaulting passively into a fund was enough. The world of wealth creation has changed, and so has the potential to grow your pension. In times of economic uncertainty, taking control of where your pension is invested can offer greater security and peace of mind. The power to choose your pension’s investment direction is essential to financial autonomy. Contributors must understand that involvement in this decision can substantially affect their retirement outcomes. Ultimately, the question is not whether Fund I is right for you—it’s whether you are ready to engage with your pension in a way that reflects your future ambitions”, he added.

    Read Also: ‘Micro Pension Plan creates wealth for informal workers’

    He stressed that taking control of your retirement plan now could unlock the financial freedom contributors seek in the future, after all, their pension is not just an account, it is their future.

    “At Leadway Pensure, securing a prosperous retirement is about saving consistently and owning your financial journey. We encourage all contributors to explore the full spectrum of available investment options and actively shape their retirement future, including making Additional Voluntary Contributions (AVC).

    “With proper planning, active participation in your pension investment can be the difference between a comfortable retirement and a financially secured one”, he said.

  • NAICOM, NDPC move to safeguard personal data of insurance policy holders

    NAICOM, NDPC move to safeguard personal data of insurance policy holders

    The National Insurance Commission (NAICOM) and Nigerian Data Protection Commission (NDPC) have taken a significant step in enhancing data protection within the insurance sector following the signage of a Memorandum of Understanding (MoU) aimed at strengthening data protection in the insurance sector.

    Some of the objectives of the MoU include Training and Capacity Building; Establishing Privacy Clinics; Conducting Compliance Activities; Promoting Awareness; and Developing Data Protection Guidelines.

    The collaboration marks a significant milestone in safeguarding the personal data of insurance policyholders and promoting trust in the insurance sector.

    Read Also: NAICOM, NDPC partner to strengthen data protection in insurance sector

    To ensure the effective implementation of the Memorandum of Understanding (MoU), an Implementation Committee will be established.

    This committee will comprise representatives from the two agencies, as well as other key industry associations, including the Nigerian Insurers Association (NIA) and the Nigerian Council of Registered Insurance Brokers (NCRIB).

    The committee’s primary responsibility will be to monitor progress, provide guidance, and facilitate collaboration among stakeholders to guarantee the successful execution of the MoU.

  • PTAD: Resolving pensioners’ issues

    PTAD: Resolving pensioners’ issues

    ODUNTAN: Good day, I am sending this message on behalf of my dad. His pension monthly is over N51,000 but he was paid N37,000 for the month of October. We want to know what went wrong.

    PTAD: The Parastatals Pension Department (PaPD) of the Directorate will respond soon.            

    BASSEY: I am Sgt Bassey, I have not received my pension for the month of October. Kindly help me.

    PTAD: The Police Pension Department (PPD) has represented all failed payment.

    ANNONYMOUS: Good day, I am one of the pensioners that did verification six months ago. I am surprised some people have done the second time. Please I am alive but up till now no message has sent to me for the second verification as others have done. Please advise me on what to do.

    PTAD: The pensioner is not reachable through phone.

    OWEI: Hello, I am a pensioner, NIPOST retiree precisely. I have been getting my stipend all the time but to my utmost surprise in October, I was short paid by N4000.

    PTAD: The Parastatals Pension Department (PAPD) to respond

    GODWIN: Good day, my name is Godwin. I withdrew from the force on 1/6/95 and I started enjoying pension from 26/2/2002 till September 3. I have not been paid October. I learned that I missed verification. Please I’m alive. Thanks for your prompt consideration.

    PTAD: The pensioner is not reachable through phone.

    TIMOTHY: My name is Timothy from Oyo State. I want to know what was used to compute my monthly pension since October 1993. I have been on federal share since 1993. Kindly save my poor situation.

    PTAD: The pensioner is not reachable through phone.

    CHUKWUDUBRM: Hello, my father Chukwudubem, a retired police man did not receive his money for October 2023 . Please we need assistance from your good office. Thank you

    PTAD: The pensioner is not reachable through phone.

    ANNONYMOUS: My name is Adesiyan, I am one of the federal pensioner from Osun State. My problem is that I have tried to confirm my “I’M ALIVE” program for more 10 times. The message comes back as ‘Verification Failed and Faces do not Match’. What can I do to solve this problem?

    PTAD: Pensioner contacted and advised to locate a cyber café to do fingerprint option.

    Read Also: PTAD: Resolving pensioners’ issues

    ANONYMOUS: Good day, I will like to know if my father is eligible for pension under Defined Benefit Scheme (DBS). He was appointed on July 3, 1989 and was removed on April 27, 1999.

    PTAD: No Name and Details Provided.

    SUNDAY: Good day, my name is Sunday from Cross River State. My father died since July 10, 2005 while in police service.

     He is late inspector Okimba. His last place of service is Akwa-Ibom State. I went on to process his entitlement as his next of kin in 2015 at PTAD office Abuja where I was verified and captured with pensioner number. But up till date, I have not been paid. Kindly help me.

    PTAD: There was incomplete documentation at the time of verification. NOK is requested to come forward with these additional documents Enlistment form; Emolument form; Letter of Administration; ; Marriage Certificate; Introduction Letter from Last Command; Valid Means of Identification; NOK’s Birth Certification; and NOK’s BVN.

    ABDULLAHI: I am Abdullahi from Jos Plateau State. My father was a staff with Ministry of Defence, civilian units for 16 years before he died in 1995. I have attended various screening and verifications and the last one was in Jos in 2017. I have submitted all the required documents for the payment of gratuity and pension benefits as a Next of Kin (NOK), but up to no avail. In 2020 I was called from PTAD to submit some documents including bank account details which I did. From your publication of my case, PTAD is asking for is verification number which I scanned and sent since then. I hope Omobola will assist me.

    PTAD: NOK should provide deceased name and Bank statement.

    SUNDAY: Good day, my name is Sunday from Cross River State. My father died since July 10, 2005 while in police service. He is late inspector Okimba. His last place of service is Akwa-Ibom State. I went on to process his entitlement as his next of kin in 2015 at PTAD office Abuja where I was verified and captured with pensioner number. But up till date, I have not been paid. Kindly help me.

    PTAD: There was incomplete documentation at the time of verification. NOK is requested to come forward with these additional documents Enlistment form; Emolument form; Letter of Administration; ; Marriage Certificate; Introduction Letter from Last Command; Valid Means of Identification; NOK’s Birth Certification; and NOK’s BVN.

    ABDULLAHI: I am Abdullahi from Jos Plateau State. My father was a staff with Ministry of Defence, civilian units for 16 years before he died in 1995. I have attended various screening and verifications and the last one was in Jos in 2017. I have submitted all the required documents for the payment of gratuity and pension benefits as a Next of Kin (NOK), but up to no avail. In 2020 I was called from PTAD to submit some documents including bank account details which I did. From your publication of my case, PTAD is asking for is verification number which I scanned and sent since then. I hope Omobola will assist me.

    PTAD: NOK should provide deceased name and Bank statement.

    DAMARIS: Good day, I am Damaris from Imo State, Owerri, Ikeduru Local Government area. I retired in December 1, 2000 from primary school SPEB. My retirement number is anonymous. My grade level is 128. My pension type is local government. We were owed for four years before we started getting our pay. I received my last pension pay in June 2020. Kindly help me.

    PTAD: Pensioner retired from Local Government.

    BAWA: Dear Omobola, we are the administrator of our late father Bawa. He worked with immigration service from 1987 and was down size during the presidential task force of 2006. Since then, we have not been paid a Kobo. We don’t know where to go or what to do sir. Kindly help us out.

    PTAD: NOK was contacted to come for verification