The Nation Newspaper

Tag: Pension complaints

  • Pension complaints and solutions

    Pension complaints and solutions

    MRS MATTHEW: Good day, I would like The Nation newspaper to help me receive my late husband’s benefit. The aviation authority where he worked has sent me out of the quarters since April 3, 2020. My husband died on October 5, 2019. The money is with First Guaranty Pension Ltd. I am really suffering with my children. We are only surviving by God’s Grace. I appeal to you for help as you are my last hope.  May God continue to bless you for your kindness. Thank you.

    CHRISTOPHER:  Hello, my name is Christopher. I have been following up with my late wife’s gratuity since 2019. I have submitted all necessary documents i was asked to submit. But till date, I have not received anything. The last time I went to Access Pension in Lagos, I was told that they were waiting for the money to be released to them from Abuja. She served with Ministry of Defense. Thank you.

    FEMI: My name is Femi; I am an annuitant with African Alliance Insurance Plc. I have not received my stipend for May, June, July and August and September 2024. What is the way out? Seems the company is distressed. Didn’t I tell you that the company is playing Games with us? I wonder how they want us to survive these harsh economic times. What’s the next step that we can take? Both PENCOM and NAICOM are not coming to our assistance. What happens to our money with them? Can I migrate back to Stanbic-IBTC?

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    MICAH: Good day, my name is Micah. While thanking you for your good work, I wish to still appeal to you to look into my complaint of non-implementation of my level 13 salaries with FRCN where I retired on April 20, 2019 on level 12. The level 13 promotion was after my retirement in April 2019 and was back-dated to January 2019. I have sent you the details which you replied in The Nation Newspaper of January 2018 till date. I also sent you my PIN Number. My PFA is Premium Pension. I have sent all details to you since on January 18, 2023. Kindly assist me.

    ANNONYMOUS: Good day, what document do I need to provide in case of death. I mean the next of kin for the person to have access to the pension.

    IYAV: Hello, My name is Iyav. I retired from the Nigeria police force in 2011. My PFA is African Alliance Insurance Plc. I have not being paid my pension salary from the month of MAY to AUGUST 2024. This is without any explanation from my PFA. We were informed to check The Nation newspaper of September 18, 2024 on page 8 wherein, African Alliance promised to pay at the end of September 2024. It is disappointing that they have still not paid as at today. Please is there any explanation or solution to this problem.

    KANGIWA: I am Kangiwa, serving with Civil Defense since 2005. My complaint is on short payment in my RSA account with Stanbic Ibtc Pension. Kindly help me

    ENON:  My name is Enon. I worked in Auchi Polytechnic from April 1985 to March 2023. I retired as Chief Lecturer on 20/03/2023 under CPS retirees. My complaint is that my accrued pension right has not been released to my PFA, Stanbic IBTC.

    UCHARA: Hello, I want to start Voluntary Contribution (VC). I spoke with my PFA but they are unable to help me out. What am I to do to start the Voluntary Contribution?

    OGU: My name is Ogu. I completed my tenure as Executive Director Engineering last year March 31, 2023. But up till now, I am yet to receive my pension and gratuity. Kindly help me. My PFA is Premium Pension.

    MRS NIFEIPIRI: Good day, I called on behalf of my mum. She is a retiree but she hasn’t been paid by African Alliance her stipend for the past four months. Is there any explanation to this?

    AKINTOYE:  Kindly look Late Akintoye’s matter.

    All documents have been submitted to pension office and her PFA, Crusader Pension.

    TSEAVE: Good day, my name is Tseave. African Alliance has not paid my monthly pension for 5 months now. I am calling on you to use your office to prevail on African Alliance to do the needful. Thank you.

    THE NATION: The Newspaper will intervene by sending your complaint to PENCOM. Therefore, MRS MATTHEW, CHRISTOPHER, FEMI, MICAH, IYAV, KANGIWA, ENON, UCHARA, OGU, MRS NIFEIPIRI, AKINTOYE and TSEAVE should watch out for the pension page on Wednesdays for response from PENCOM and subsequently every Wednesday for pension news.

  • Pension complaints and solutions

    Pension complaints and solutions

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

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

    ANIEMA: Hello, my late mum’s pension fund has not been paid since she passed on in 2019. Her name is Aniema. Until her untimely death, she worked at the Federal Science and Technical College (FSTC), Uyo, Akwa Ibom State. Her daughter, who is the next of kin, is Favour. I have submitted the necessary documents to Stanbic IBTC Pension. Kindly assist us so that favour can start university and her younger siblings too.

    PENCOM: Dear sir, the death benefit has been processed/paid in July 2023. The named beneficiary is advised to contact PFA.

    ABUBAKAR: Dear sir, my name is Abubakar from Ilorin. I worked at the Danish Yogurt Company, Fanmilk PLC, for 31 years.  A workplace accident made them sack me without compensation. I beg to use this forum to appeal to the CSR’s conscience of Fanmilk PLC and  Embassy of Denmark. Thank you.

    PENCOM: Not under our purview. Contact NSITF, please.

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    FOLORUNSO: My name is Folorunso. I worked with Vanguard and later joined The Nigerian Tribune. On joining Tribune, Stanbic IBTC Pension opened a new RSA account for me, the same Stanbic did with Vanguard. I have double PEN registrations and I am having difficulties in accessing my funds. For over a year, I have kept writing Stanbic and the DG of PenCom but nothing has come out of it. After much pressure, Stanbic claimed to have harmonised the two PEN account numbers and it was 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’s 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

    IKPI: Good day, I am an annuity police retiree with African Alliance Insurance Plc. I have been receiving my monthly annuity since 2015 but I am yet to receive it in the past three months. The company did not pay me and did not give me any explanation to that effect. I want to know what is happening from PenCom. I need my money to assuage my sufferings.

    ALIYU: Good day, I retired on March 19, 2023 from NDA Kaduna. I have been waiting for my pension benefits since then but I haven’t received anything. My family has been suffering alot. I don’t have money to pay house rent, feeding, school fees, healthcare, among others. My PFA is Premium Pension Limited. Kindly help me.

    ODUNSI: Hello Omobola, my name is Odunsi. I complained about African Alliance Insurance not paying my February and March annuities insurance scheme. Due to your intervention, they paid me in April. But they have refused to pay again as I am yet to receive May and June payment.

    I am speaking on behalf of many pensioners with the African Alliance. We want to know whether the company is going bankrupt. We rely on these peanuts paid as monthly pension to survive. At present, it is becoming a nightmare to get peanuts. Thanking you in anticipation for your swift intervention once again.

    IORLIAM: My name is Iorliam. I submitted my annuity transfer letter to NPF Pension on June 10, 2024. But up till now, they have not done the transfer. Please help to get the NPF Pension to transfer my money to my chosen insurance company. As a result, l did not receive my monthly pension.

  • Pension complaints and solutions

    Pension complaints and solutions

    Mrs Ogbe: I am Mrs Ogbe. I submitted my annuity transfer request letter to Stanbic IBTC Pension but they are yet to do the transfer. Please, help me.

    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 at 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 pensioners so please help me. The times are really tough and this lifeline is all I need to get back on my feet again. Thank you.

    THE NATION: The newspaper will intervene by sending your complaint to PenCom. Therefore, Mrs Ogbe and Bolaji should watch out for the pension page on Wednesdays for their response and subsequently every Wednesday for pension news.

    JAMIUDEEN: Good day, my name is Jamiudeen. I retired from the National Population Commission on May 1, 2023. I have been to my pension manager, Stanbic IBTC Pension for my accrued right and gratuities. They told me that it had not been paid.

    But, I need money urgently to do a surgery on my right leg at the Igbobi Orthopaedic Hospital, Lagos. I was infected with the wound while in service of Censor 2006 and, since then, I have been spending my cash on it. The commission did not take care of me. I spent my savings from the cooperative on the leg until I was told that a survey was needed to be carried out on my skin grafts. Since then, I have been waiting for my pension to take care of my leg.

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    Also, I cannot feed myself and the children or pay school fees and house rent. Kindly help, so I can be paid as soon as possibl.

    PENCOM: Payment was made on May 24, 2024. The RSA holder is advised to approach his PFA to confirm.

    ZEKERI: Good day, my name is Zekeri. I retired in June 2022 from the Nigeria Customs Service. When I approached my PFA, Premium Pension, for my benefits in 2023, to be transferred to an insurance company for life annuity, my application was rejected. And I was told to stay a year on Programmed Withdrawal before they could let me go. However, they said I could apply for annuity after a year of earning on Programmed Withdrawal. It is a year, so I submitted my annuity application again via DHL from Auchi to Abuja as there is no Premium Pension office here in Auchi. I just checked and realised my application was rejected again. I have been calling to know why but no response. Please, help me.

    PENCOM: The RSA holder should provide his PIN to enable the Commission to investigate the complaint.

    SANI: My name is Sani, I worked at the West African Postgraduate Medical College, Yaba, Lagos. We chose Leadway Pensure Pfa Limited at Number 121/123 Funsho Williams Avenue, Surulere, Lagos. My pension contributions – employer/employee – has been fully remitted to the Leadway.

    Also, my Legacy has been fully remitted to the Leadway. I have retired since March 31, 2023 and have submitted the documents for RSA and Legacy to be paid to me since May, 2023. Leadway told me that my documents were rejected because I did not put my pay slip. I sent the pay slip to them.

    Since then no payment has been made to me. Leadway’s response is that PENCOM has not approved my documents to enable them pay me. Please, I want you to intervene so that my money can be paid to me. It is six months that I am at home without earning Salary. Thank you.      

    PENCOM: Dear Sir, please carry out the Enrolment, and submit the Enrolment slip, you may wish to visit www.pencom.gov.ng for guidance on how to get enrolled.

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

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

    DJOGRI: Hello, my name is Adjogri. I retired on July 31, 2016 from 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 for over two months. l am yet to receive my lump sum nor has my annuity sum been released.

    Meanwhile, my contemporaries that choose Programme Withdrawal with the same Oak Pension have received their payments. Is it a crime to choose annuity, which is what warrants this unfair treatment from Oak Pension? The Pension Act provides us the freedom to choose any 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 to degenerate into litigation. Thanks in anticipation.

    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.

    FOLORUNSO: My name is Folorunso. I worked at the Vanguard Newspaper and later 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 I am having difficulties in 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’s 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

  • Pension complaints and solutions

    Pension complaints and solutions

    AKANBIADE: Good day, my name is Akanbiade. I need you to help me get my cash from Stanbic IBTC Pension. I retired on January 15, 2023 but yet to be paid. I was told by Stanbic that PenCom is yet to reconcile my account. Thank you.              

    PENCOM: Dear Mr. Akanbiade, please be advised that your benefits are being processed and you will be contacted by your Pension Fund Administrator once it has been paid.

    URUA: Good day, I retired from the Ministry of Defence in February 2023 and up till now, I have not been paid my gratuity and pension. My children have stopped school because I do not have money. Please, when will I be paid both my gratuity and pension? Thank you.    

    PENCOM: Dear Mr. Urua, please liaise with your Pension Fund Administrator for the payment of your benefits.

    SAMSON: Dear Omobola, I worked with Tantalizers Plc. I still work with Tantalizers franchise (Chi-Osa Plc). I used to get information on my account under PAL Pension but I lost the SIM card I used to receive messages about my account. When I contacted Pal Pension about my issue, they promised to help. But their promise to give me a new number did not solve the issue. Before pensions emerged, we registered with the NSITF Scheme and learned people have been paid off. I want to process my payment too, if it is true. I have my certificate and documents that may be necessary. Thank you.   

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    PENCOM: Dear Mr. Samson, please visit Trustfund Pensions with your NSITF certificate to process your payment.

    BASSEY: Good day, my name is Bassey. I am still with the Nigerian Police. I am with ARM Pension. Must I be with NPF Pension?             

    PENCOM: Dear Mr. Bassey, please note that it is not compulsory that you move to NPF Pensions but it is advisable you discuss with your employer.

    FATAI: Good day, I am Fatai. I am yet to receive my benefits from Stanbic IBTC Pension. I keep receiving messages from Stanbic IBTC, stating that my Data Recapture details have been processed and that they are awaiting payment approval from PenCom. Please advise accordingly.        

    PENCOM: Dear Mr. Fatai, please be advised that your request is yet to be forwarded to the Commission. Kindly liaise with your PFA.

    EBITARI: Good morning Madam. I am one of those who complained to the PenCom office in Abuja about my benefits. Premium refused to pay me my contribution. I worked with NIPOST for 16 years and then transfered my service to Bayelsa State Government where I retired in 2020. Since then, I have been on Premium Pension to pay me my balance in my RSA. But they refused.          

    PENCOM: Dear Madam, please be advised that your benefits are being processed and you will be contacted by your Pension Fund Administrator once it has been paid.

    ONIPEDE: Dear Omobola, after a series of letters to Sigma Pensions and PenCom for the refund of my contribution, the last letter I received from PenCom with reference PenCom/Tech/August 27, 2021 stated that I would be contacted soon. When I got the letter, it was my hope that I would be paid in a short period. Note that my colleagues received theirs as far back as 2012. I want to know why I was abandoned, not communicated till today and this was contrary to what was written in the letter. What caused the delay and how would I be paid?           

    PENCOM: Dear Mr. Onipede, you are advised to kindly write to the Commission, stating the background of your complaint as well as submitting the necessary information for your issue to be resolved.

    ELDER DAVID: Dear Omobola, IBTC Pension has been my PFA since I retired in 2012. However, at the initial stage a new PFA also sought my patronage, which I neglected. This company has been merged now with a bank with a pension account. For some years, this bank has been pestering me with what they assumed to be my RSA balance. This is their info: ‘’Message received: Dear Ladipo, Your RSA balance stood at N3,693,063.06 as at 2024-04-02. For enquiries: 08059580002, 08032752888 or info@fcmbpensions.com.’’  Please advise me. Thank you.

    PENCOM: Dear Elder David, you are advised to kindly write to the Commission. In addition, please state the necessary information that may aid the resolution of your complaint.

  • Pension complaints and solutions

    Pension complaints and solutions

    SANI: My name is Sani. I worked at the West African Postgraduate Medical College, Yaba, Lagos. We chose Leadway Pensure Pfa Limited at No. 121/123 Funsho Williams Avenue, Surulere, Lagos. My pension contributions employer/employee have been fully remitted to the Leadway.

    Also, my legacy has been fully remitted to the Leadway. I have retired since March 31, 2023 and have submitted the necessary documents for RSA and legacy to be paid to me since May 2023. Leadway told me that my documents were rejected because I did not put my pay slip. I sent the pay slip to them immediately. Since then, no payment has been made to me. Leadway’s response is that PenCom has not approved my documents for payment. Please, I want you to intervene so that my money can be paid. It has been six months that I have been at home without earning a salary. Thank you.          

    PENCOM: Dear Sir, please carry out the enrolment, and submit the Enrolment slip, you may wish to visit www.pencom.gov.ng for guidance on how to get enrolled.

    ANNONYMOUS: I am Oforlea. I retired on September 14, 2022. My date of birth is November 23, 1964 but it was wrongly captured in my NIN as November 23, 1965 which has been corrected. I later went for recapturing at Premium Pension but a staff  member of the company refused to attend to me. He said my date of birth was different from the date of birth in PenCom’s record. Meanwhile, I have November 23, 1964 in my records. What should I do?

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    PENCOM: Please send the complaint to info@pencom.gov.ng

    ANNONYMOUS: I have a problem with my pension. I am a Police officer.  My pension has not been paid into my pension account since 2017. I have been on this for the past three years by moving from one office to another but my effort proved abortive. Kindly help me.

    PENCOM: Kindly provide your name and PIN.

    INSPECTOR OSEZUA: Hello, my complaint is that I don’t know which pension I belong to. I was enlisted into the Nigeria Police Force on November 1, 2008. I was told by Fidelity Pensions and Trustfund Pensions that my savings had been transferred to PenCom. Till date, I don’t know which PFA I belong to, whether my savings is with PenCom or with Nigeria Police Pension NPF. Kindly assist me to know where I belong. Thank you.    

    PENCOM: Dear Sir, please visit your preferred Pension Fund Administrator among the two PFAs and undergo the Data Recapture Exercise.

    ONIPEDE: My name is Onipede and my PFA is Sigma, now Access Pension. After a series of letters to Sigma and PenCom for the refund of my contribution, I am yet to get it, even though that of my colleagues has been refunded. The last letter I received from PenCom was dated August 27, 2021. In the letter, it was stated that I will be contacted soon. When I got the letter, I was hopeful that I would be paid in a short time.  I want to know why I was abandoned and not communicated with till today.  And this was contrary to what was written in their letter which reference was stated in this complaint.  What is the cause of the delay? What am I to do and how will I be paid?

    ELDER LADIPO: Dear Omobola, my name is Ladipo. My PFA is Stanbic IBTC Pension. I retired in 2012. However, at the initial stage there was a new PFA that also sought my patronage which I neglected. The company has been merged with a bank that owns a PFA, FCMB Pension. For some years, PFA has been pestering me with what they assumed to be my RSA balance. I cannot have two PFA accounts. My main PFA is Stanbic IBTC Pension. Kindly advise me.Thank you.

    MUSTAPHA: My name Mustapha, I am a police officer. My PFA is Crusader Sterling Pension. I worked my transfer to Police Pension in 2017. In 2018, they sent me a text message that my transfer is successful. They, however, said I should go back and sort out issues on the certificate. I was asked to carry out the DRE exercise, which I have done since 2023 with the PFA. But, they have been tossing me up and down since then. At one point, they told me the problem was from PenCom, later they said it was from the zonal office. At another time they told me that the lady handling my issues was on maternity leave, among other excuses.  

      Please, I am tired. Help me to find out if the problem is from Crusader, PenCom or the Nigeria Police. The Nation is my last hope to get this problem sorted. Kindly help me.

    MEKA: Good day. I am Meka. It has been two months since I  received my pension from Premium Pension Limited. I have filled in a form with a bank statement. Kindly help me.

  • Pension complaints and solutions

    Pension complaints and solutions

    YAJI:  Good day, my name is Yaji. My complaint is about the delay of my late father benefits, Inspector Yaji. His PFA is Leadway Pensure Nigerian LTD. He died on July 16, 2013. We are yet to be paid his death benefits.   

    PENCOM:  Dear Sir, the request was returned to the Pension Fund Administrator because there was no Death Certificate attached, which is one of the requirements for processing death benefits. Kindly provide the death certificate to the PFA for resubmission of the request.

    ANNONYMOUS: Good day, my complaint has been made by one of my pension account officer on my behalf but I am yet to get update and it has been over three months now. How long does it take for merging?

    PENCOM: Dear Sir, Kindly provide the details of the two Retirement Savings Accounts you are trying to merge to enable the Commission process the complaint.

    ANNONYMOUS: Ma, I strongly need your help. We are leaving the country today and we need money for upkeep as we go. We are banking on my 25 per cent 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.

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    MOHAMMED: Dear sir, we are the administrator of our late father Mohammed. He worked with immigration service from 1987 and was down size during the presidential task force in 2006. Since then, we have not collected Kobo from National Pension Commission or Nigeria Immigration Service. We don’t know where to go or what to do sir. Help us out. Yours faithfully. Bawa

    PENCOM: Please provide the PFA and PIN number to enable the Commission investigate your complaint.

    SALIU: My name is Saliu, I understand it takes five working days for approval to come from you when a PFA forward application. I want to find out why it’s not so with my application. This is two weeks now according to Leadway Pension that my application has been sent to you. What is holding my application?

    PENCOM: Dear Mr. Saliu, kindly provide the name of your Pension Fund Administrator to enable the Commission process the complaint.

    ANNONYMOUS: I have a problem with my pension. I am a police officer.  My pension has not been paid into my pension account since 2017. I have been on this for the past three years now by moving from one office to another but all my effort prove abortive. Kindly help me.

    PENCOM: Kindly provide your name and PIN.

    ANNONYMOUS: Good Day, I am Omobulejo. I retired on August 15, 2020 at the Vintage Press Ltd in Lagos. I regularised my documents with my PFA, Stanbic IBTC confirmed in November 2021 and they confirmed it as okay. Since then, they send me messages to be patient. For how long will I be patient. I have no job at hand. Thank you.

    PENCOM: Please visit your PFA to resubmit your application.

    ANNONYMOUS: Good Day, I am Omobulejo. I retired on August 15, 2020 at the Vintage Press Ltd in Lagos. I regularised my documents with my PFA, Stanbic IBTC confirmed in November 2021 and they confirmed it as okay. Since then, they send me messages to be patient. For how long will I be patient. I have no job at hand. Thank you.

    PENCOM: Please visit your PFA to resubmit your application.

    ANNONYMOUS: l recently retired from one of the MDA’s. What do I do to get my benefits?

    PENCOM: Please visit your PFA and ensure that you have all the required documents, have undergone the enrolment exercise and data recapture exercise (if applicable). Your PFA will provide more information to you and guide you through the process.

    OLOWOYEYE: Good day, I wish to inform you that the Access PFA have responded to my calls. I am grateful for your intervention. Thanks a lot.

    THE NATION: The newspaper is excited that your complaint has been resolved.

    OBADARE: My name is Obadare. I am a retiree from Radio Nigeria. I did my PenCom verification in September 2022 but I am yet to be paid my pension. Kindly look into my case, thank you.

    PENCOM: Dear Obadare, kindly provide the name of your Pension Fund Administrator to enable the Commission process the complaint.

    MEFE: Good day, I requested for 25 per cent for months now and I have been waiting. Last month I was told to wait for Pencom approval but I have not gotten response  from Pencom. I have a huge debt to pay and this money is my only hope.

    PENCOM: Dear Mr. Mefe, the Pension Fund Administrator had already submitted 25% request for approval and the Commission has granted approval on 24 November, 2023.

    BALOGUN: Hello, my name is Balogun. My employer’s name is Amazuma Services Limited. I don’t know my pension company. Kindly help me.

    PENCOM: Dear Mr. Balogun, you are advised to approach your Pension Fund Administrator to make enquries.

    ASP. RTD. BOLARINWA: Dear Omobola, my name Is Bolarinwa Asp Rtd. I have voluntarily retired from service in September 2023. I was unable to get my discharge certificate due to my inability to offset my bank loan because I have to present non indebted letter to process it. I don’t know if I can withdraw out of my savings to offset It.

    PENCOM: Dear Mr. Bolarinwa, you are advised to approach your Pension Fund Administrator for further directives.

    ANNONYMOUS: Good day, I am from Maritime Academy of Nigeria, Oron. PDO : I can’t enrol and verify 2024 retirees on PENCOM Porter. What do I do.

  • Pension complaints and solutions

    Pension complaints and solutions

    ANNONYMOUS: Good day, I am from Maritime Academy of Nigeria (MAN), Oron. I can’t enrol and verify 2024 retirees on PenCom portal. What do I do?

    PENCOM: Dear Sir/Madam, kindly approach the Pension Fund Administrator of your employees for assistance with the Online Enrolment Application.

    CHRISTIAN: My name is Christian. I retired from the Federal Ministry of Works HQ Mabushi Abuja in August 2016 after 35 years in service.

    Before then l was promoted to the rank of Chief Executive Officer GL 14 with effect from January 1, 2015. Variation to reflect this rank was raised accordingly by the IPPIS Section of the FMW. HQ Mabushi Abuja FCT about six years ago but no payment was made to me.

    I made several enquiries about the payment of the promotion arrears but no response from the IPPIS. I even resent the promotion letter and other relevant documents to enable them to revisit it if they have not taken any action but no response and no payment.

    One of the staff members informed me that our names were sent to the Accountant-General of the Federation Office for the payment but till now no payment was made. l would be very much happy if you would use your good office to help me out of this matter. I have health challenges and l need money to treat myself.

    PENCOM: Dear Mr. Igwemezie, kindly go the the office of the Accountant-General of the Federation as the IPPIS falls under the offices purview.

    AMINU: My name is Aminu. I submitted my application of transfer for Annuity to ARM Pension Limited for over two weeks. But they have not attended to me. Kindly assist me.

    PENCOM: Dear Mr. Aminu, your Pension Fund Administrator has already submitted your request for Retiree Life Annuity approval and the Commission has granted approval on December 6, 2023.

    YUSUF: Good day, my is Yusuf. I am soliciting PenCom’s intervention to enable me access the additional 25 per cent of my pension contribution. I worked at 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 debit position owing to outstanding car loan. (I can present my account statement if need be). I contacted my PFA, Stanbic IBTC, but they said such request doesn’t normally get approved. Kindly assist me.

    PENCOM:Dear Mr.Yusuf, please be advised that the 25 per cent temporary access is a one-off payment. However, the RSA holder can access the balance in the year upon attainment of 50 years in line with Section 7 of the Pension Reform Act 2014.

    AKINGBOLA: Good day, my name is Akingbola. I retired from the active service of the Ogun State Universal Basic Education Board on March 16, 2023.

    I have applied for a refund of my pension benefit from Tangerine/Apt Pension since April 25, 2023 and I haven’t got it.

    Meanwhile, those that retired months after my retirement have been paid. Kindly use your good office to look into this matter. Thank you very much.

    PENCOM: Dear Mr. Akingbola, the process is under review by the Benefit and Insurance Department.

    ANNONYMOUS: Hello, I am from Maritime Academy of Nigeria, Oron. I cannot enrol and verify 2024 retirees on PENCOM portal. Kindly help me.

    PENCOM: Dear Sir/Madam, kindly approach the Pension Fund Administrator of your employees for  assistance with the Online Enrolment  Application.               

    ADEYEMI: I am Adeyemi. I retired in December 2022. I was with ARM before I joined Stanbic IBTC. I want to transfer my contribution to Stanbic. I was told to write to PenCom. Kindly guide me

    PENCOM: Dear Mr. Adeyemi,  kindly approach Standbic IBTC for data recapture to facilitate the merging the two PINs. Standbic IBTC would guide him with the process.                             

    ANNONYMOUS: Good day, my complaint has been made by one of my pension account officer on my behalf, but I am yet to get update and it has been over three months. How long does it take for merging?

    PENCOM: Dear Sir, kindly provide the details of the two Retirement Savings Accounts (RSA), you are trying to merge to enable the Commission process the complaint.

    ANNONYMOUS: Ma, I strongly need your help. We are leaving the country and we need money for our upkeep. We are banking on my 25 per cent 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.

    MOHAMMED: Dear sir, we are the administrator of our late father Mohammed. He worked with the Nigeria Immigration Service (NIS) from 1987 and was retired by the Presidential Task force in 2006.

    Since then, we have not collected one Kobo from the National Pension Commission or Nigeria Immigration Service. We don’t know where to go or what to do, sir. Help us out. – Bawa.

    PENCOM: Please, provide the PFA and PIN number to enable the Commission investigate your complaint.

    SALIU: My name is Saliu. I understand it takes five working days for approval to come from you when a PFA’s application is forwarded to you. I want to find out why it’s not so with mine.

    This is two weeks, according to Leadway Pension, that my application has been sent to you. What is holding my application?

    PENCOM: Dear Mr. Saliu, kindly provide the name of your Pension Fund Administrator to enable the Commission process the complaint.

  • Pension complaints and solutions

    Pension complaints and solutions

    ELDER DAVID: Dear Omobola, ‘Re: Pensioners ‘waiting for palliatives’ published on December 25, 2023.

      The Special Adviser, Media and Publicity, Ministry of Humanitarian Affairs, Mr. Rasheed Zubair, said the ministry was still compiling and verifying the pensioners’ list.

      Does it mean there is no previous working data? Are they conducting a National Census? Or they are compiling/verifying their foisted ‘ghost pensioners’, thereby stealing the vulnerable pensioners and shortchanging the nation?

      God remains the judge. And please, is your column now on Thursdays?

    FOLORUNSO: My name is Folorunso. I worked at Vanguard and later joined The Nigerian Tribune.

    On joining Tribune, Stanbic Ibtc Pension opened a new RSA account for me, same Stanbic with Vanguard. I now have double PIN registration. But I am having difficulties in accessing my funds.

    For over a year, I have kept writing both Stanbic and the DG of PenCom but to no avail. After much pressure, Stanbic claimed to have harmonised the two PIN 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’s approval.

    Please, what can I do to get the urgent attention of the PenCom DG to resolve my pension issue?

    ANNONYMOUS: Good day, I would like to know document to be submitted to claim my pension. I also want to know the percentage of my total RSA due to be paid to me. I am 60 years old. My PFA is Access Pension.

    EFE: My name is Efe. Sequel to your advice to send my PIN, which I did to enable the commission investigate my complaint in The Nation of Wednesday March 22, 2023, nothing has been heard from you since then.

     I want to know my RSA credit, bond and eligibility status to be able to access the 25 per cent.

    Read Also; Why I didn’t sack Emefiele, Buhari explains in Adesina’s memoir

    ROLUYO: Dear Omobola, I am Roluyo. Please, I have retired from the Ministry of Petroleum Resources since February 15, 2023. Stanbic IBTC Pension is my PFA. I have, however, not heard any message about my payment. Do please help find out the problem. Thank you.

    ODUWAN: I retired from service in September 2022 and after one year, I did not received any thing from PenCom. My PFA is Access Pension.

    Please, help me to know.

    ADESAKIN: My name is Adesakin. My employer has not remitted my pension deducted for about 70 months. What can I do?

    ODUTAYO: My name is Odutayo. I am a staff member of Federal Polytechnic, Offa. My pension is not ready since I left service in May 2022.

    Bamidele: My name is Bamidele. Since I left the service of Federal Polytechnic, Offa, Kwara State in May 2022, my gratuity is yet to be paid. When is it likely for me to be paid? Thanks you.

    ABUBAKAR: Dear Sir, my name is Abubakar from Ilorin. I worked at the Nigerian branch of the Danish Yoghout Company, FANMILK PLC, for 31 years. It was the illness brought on by my workplace accident that made them lay me off. Yet, without compensation.

    I beg to use this forum to appeal to the Corportae social Responsibility (CSR) conscience of FANMILK PLC and the Embassy of Denmark. Thank you to look into my case.

    ANNONYMOUS: Stanbic IBTC sent a message to me stating: “Dear Client, thank you for your continuous patience. While we await payment approval from PenCom for your benefit application received  15-8-2o23 from ibtc Pension”.

    Kindly tell me if the message is from either LASPEC or PenCom.

    CHARLES: My name is Charles. My date of retirement is March 30, 2021. Date of submission is May 18, 2021. Voluntary Contribution Balance N1, 961 638. 79. They paid me N1,661.694.65 on June 16, 2021. My balance is N299, 944. 14. I sent it on  July 11, 2023, but no response till date.  

    BOLAJI: My name is Bolaji. I sent an sms on November 11, but there was no response in The Nation yet. I’m soliciting PenCom’s intervention to enable me access additional 25 per cent of my pension contribution.

    I worked at GTBank between 2006 and 2017 and accessed 25 per cent of my contribution in 2017, which was paid into my salary account that was in debit position owing to outstanding car loan.

    I can present my account statement if need be. I contacted my PFA, Stanbic IBTC but they said I needed PenCom’s approval for my request.

    Kindly assist, this lifeline is all I need to get back on my feet. Thank you.

    OKPOGADIE: My name is mr Okpogadie from Warri, Delta State. I am a retiree (2016) and I have submitted my documents with Oak Pension, Warri for annuity since  November 14, 2023. My expected payment day supposed to be on November 26, 2023 but up till now there is no response. 

  • Pension complaints and solutions

    JOSHUA: Dear Omobola, my name is Joshua. I retired as a Seargent on grade level 05 step 4. My date of first appointment is January 20, 1986 and that of retirement is March 1, 1997. I have done verification in Abuja. Please I have no money. Kindly tell the pension boss that she should pay my pension. I am helpless.

    PTAD: The pensioner’s complaint has been reviewed by the operations department. He will be paid as funds are allocated and released by the Federal Government.

    ISA: This is from one of the Pre- 1996 Railway pensioner in Nasarawa State. My name is Isa. Our 18 months’ arrears (part of 52 months) since the time of former President Goodluck Jonathan is yet to be cleared.

    Also, Railway pensioners are the least paid nationwide.

    Kindly use your good offices to  solve our problems. Thank for being there for us.

    PTAD: It is an assumed liability by some group of pensioners in the Nigeria Railway Corporation. The group is yet to forward any supporting documents.

    SUNDAY: I retired in June 2003 from the service of the former government agency changed to National Clearing and Forwarding Agency. I received my pension from March 2008 to April 2018. But they stopped it after April and I don’t know why. Please help me.

    PTAD: If Mr Eshiet has been verified, we advise that he sends a  scanned copy of his verification slip to complaints@ptad.gov.ng. If he has not, he can visit our Abuja or Lagos office with his employment documents, BVN and original stamped bank statement from April, last year till date to be verified and monthly pension payment resumed if eligible.

     MRS ONIYE: God bless The Nation Pension column. My name is Mrs. Oniye. I retired from the Federal Government College, Idoani in April,1999, on Grade 2 Typist, G.L 5 Step 10. My gratuity was paid on June 7, 2007. I have not been paid any monthly pension. Please help me contact the Pension Transitional Arrangement Directorate (PTAD) on non-payment of my monthly pension since 1999.

    PTAD: The pensioner is advised to send her complaint, name and account details to complaints@ptad.gov.ng. Her telephone number as provided is not reachable.

    ALICE: Well-done and thanks for The Nation’s concern on pensioner’s matters.My name is Alice. I am a state pensioner with federal share. I retired on April 30, 2008 without payment till date. My pensioner number is annonymous. I did verification since August 2017 but PTAD has not paid me till date. Kindly assist. Thank you.

    PTAD: The pensioner’s complaint has been investigated. She will receive payment as funds are allocated and released by the Federal Government.

  • Pension complaints and solutions

    TAYO: What are the modalities of payment for those who joined the civil service in 2003 going by the Pension Act?

    PENCOM: Any employee who is entitled to retirement benefits under any pension scheme existing before the 25th day of June, 2004, being the commencement of the Pension Reform Act, 2004 falls under the Contributory Pension Scheme (CPS). You may liaise with your PFA who would advise you further in respect of modes of payment when you retire.

    ABDULSALAM: My name is Abdulsalam, a staff of Yaba LCDA. I have been with Stanbic IBTC Pension since its inception. But just this month, my pension fund was transferred to Leadway Pensure without my authorisation. Please what can I do because I want Stanbic as my pension manager.

    STANBIC IBTC PENSION: Please note that the policy of the National Pension Commission (PenCom) on multiple registrations is the ‘First PIN’ rule which recognises the first RSA PIN generated for a client as the valid one to be maintained. Based on this, Mr Abdulsalam’s first PIN as confirmed by PenCom is the PIN registered with Leadway Pensure. Therefore, his RSA PIN with us was invalidated and the funds transferred to his valid Pension Fund Administrator in January 2019. Kindly note that Mr Abdulsalam was informed of his valid RSA PIN with Leadway via a letter dated 10 October 2018.  We advise that he provides his Leadway PIN to his employer to ensure his RSA is credited timely. However, he can choose to transfer back to us once the transfer window is opened by PenCom. Do note that we also called him today to provide further clarification but our calls were unpicked. We would try again before  the close of business.

    SULEIMAN: I  retired on Level 14 Step 10 in June 1996 And Was Last Paid N59400 Monthly in March 2018. In August that year, I did a new verification at PTAD Abuja only to be paid N43,200 monthly. Thereafter, they say I was being overpaid after all! Is there any table for calculating pension?

    PENCOM: Please liaise with PTÂD who would be able to assist you further.  You can contact PTAD on any of these numbers: Toll Free Telephone: 0800-CALL-PTAD (0800-2255-7823); Telephone Lines (Charges Apply): +234(0) 9-462-1721; +234(0) 9-462-1722.  Email: info@ptad.gov.ng (For Inquiries); complaints@ptad.gov.ng (For Pensions Related Complaints); foi@ptad.gov.ng (For Freedom of Information Communications) Website: www.ptad.gov.ng

    JOEL: I am a former employee of a Federal Government agency. I want to know if it is possible to change my PFA from (Anonymous) to another one. I have been out of employment since 2013, I have over N2m as my contributory pension. I want to change my PFA because I am not satisfied with my current PFA. Is it possible for me to change and move my pension fund to another in my current situation? Thanks.

    PENCOM: Section 13 of the PRA 2014 allows an RSA holder to change his/her PFA not more than once in a year without giving any reason. The Commission is currently in the process of opening a transfer window to enable contributors’ moves from one PFA to another.

    ONYAKA: Sir, does First Pension Limited Still exist as Pension Fund Manager?

    PENCOM: Yes. They are known as First Guarantee Pension Limited.  Their contact details are as follows; Irorun Plaza, No. 65, Kudirat Abiola Way, Oregun, Ikeja, Lagos, http://www.firstguaranteepension.com

    DSP IZUAGIE: My name is Dsp Izuagie, I retired after 35 years from the Nigeria Police. My gratuity was paid to me in November 30, 2017 but it was less than N1.5milion.  I was told that my contribution was not made available to PenCom for trading. Please help me.

    PENCOM: The relevant Department would require the PIN of the complainant in order to assist them further.

    ASP. SAMUEL: I have written immediately to the director of NPF Pension. They paid me N4,706, 067: 69k out of which am paid 25 per cent of N1, 176,516: 92k. plus my one year arrears of N366, 701: 18k. if one-year arrear can give me that, multiply it by four years and it will be N1, 466, 804: 72k which is more than what N1, 176, 516: 92k that I am paid for serving for 35 years. My personal savings is more than N1.5 million. What has government given me? My counterparts are paid than me. I am so disturbed. My other colleagues who witness the same fainted on the spot. Even a court clerk and messengers at state level can’t go home with one million? One of my course mate who is a traffic warden, Asp. Monday has N7 million and he was paid over N3 million.

    PENCOM: The relevant Department would require the PIN of the Complainant In order to assist them further

    LICY: My Name is Abdullahi Mohammed and my PFA is Trustfund Pension. I retired since 2014. I did my biodata in August 2018 and after that I went to my PFA to request for 25% of my total savings but I was told that PenCom did not send money for MDA and I am seriously now in need of money because my children school fees is becoming a problem. Please I need your help. Thanks.

    PENCOM: The relevant Department would require the PIN of the Complainant In order to assist them further.