How to Apply for Pension Online in Kenya 

Eligibility 

To be eligible for online pension registration, you must: 

• Have served as a State Officer, Member of Parliament, Civil Servant, Teacher employed by TSC, Kenya Defense Forces, National Police Service, Prison Service, or the NYS. 

• Be a dependent of a Principal Pensioner who served in any of the above services. 

• Have been receiving a monthly pension by October 2024. 

Requirements 

• A scanned copy of your National ID card (front and back) in PDF format. 

• A scanned copy of your Bank/Sacco Card (front side) where your monthly pension is remitted (Account number and name must be legible) in PDF format. 

• Scanned birth certificate (for dependents) and Death Certificate (for dependents of deceased pensioners) in PDF format. 

• Tax exemption certificate (if applicable) in PDF format. 

• A valid email address and phone number. 

Registration Process 

Create an Account: 

1. Visit the Pension Registration URL (provided by the relevant pension authority). 

2. Choose your User Type (Principal Pensioner, Dependant Spouse, Dependant Child, Maintenance Case, Dependant Guardian). 

3. Input your National ID No., Personal Number (used while in service), or Pensioner’s Pension Number. 

4. Click on the “Proceed” button. 

5. The details of the Principal Pensioner (Name, National ID No, Employee No, and Pension Number) will be displayed. Verify and proceed. 

6. Provide your Valid Email Address and click “Proceed.” 

7. Provide your Valid Telephone Number and click “Proceed.” 

8. Create a login account using your email or phone number as the username and set a password. 

Log In

1. Use your email or phone number as the username. 

2. Enter your password. 

3. Click on the “Login” button. 

Complete the Registration

1. The registration process is divided into sections. Click “Next” after completing each section. 

2. Fields marked with an asterisk (*) are mandatory. 

3. Upload required documents (ID, proof of employment, proof of address, etc.) in PDF format (maximum size 2MB). 

4. In the “Additional Information” section, tick any other pensions you are receiving. 

4. Review, Confirm, and Submit: 

1. Review all the information you’ve entered carefully for accuracy. 

2. Check the box to confirm the accuracy of the information provided. 

3. Click on the “Submit” button to complete your application. 

4. A summary of your data will be sent to your email as proof of registration and completeness. 

Note: 

• You can amend your details after submission if you notice missing fields or erroneous data. 

• Providing false, misleading, or inaccurate information is strictly prohibited. 

• Any attempt to falsify details will result in the rejection of your registration, the cancellation of any associated approvals, and possible disqualification from future applications. 

New NSSF Rates: What You Need to Know in 2025

The NSSF Act has undergone significant changes in 2025, impacting how much Kenyans contribute to their retirement savings. This blog post will break down the key adjustments and explain what they mean for employees and employers. 

What Has Changed? 

Previously, NSSF deductions were capped at 6% of a maximum pensionable income of KES 36,000, resulting in a maximum contribution of KES 2,160 from both employees and employers. 

Starting February 2025, the pensionable income upper limit has increased to KES 72,000. This means: 

• Higher Maximum Deductions: The maximum deduction per month will now be KES 4,320 from both employees and employers, totaling KES 8,640. 

How Does It Affect You? 

• If Your Salary is KES 36,000 or Below: The changes will have no immediate impact on your contributions as you were already at the previous maximum deduction limit. 

• If Your Salary is Above KES 36,000:  

• Tier I and Tier II Contributions:  

• Tier I: This mandatory portion covers the first KES 8,000 of your salary. Both you and your employer will contribute KES 840 each to Tier I. 

• Tier II: The remaining portion of your pensionable income (up to KES 6,960) can be contributed either to NSSF or to a qualifying pension fund approved by the Retirement Benefits Authority (RBA). 

Opting Out of Tier II Contributions: 

• If your employer offers a company pension plan or you have a private pension fund, you can choose to direct your Tier II contributions to that fund instead of NSSF. 

• This option allows you to potentially benefit from higher returns and more tailored investment options. 

• However, your NSSF contributions will still increase to KES 840 per month. 

Who is Most Affected? 

• Employees earning more than KES 36,000 per month will experience the most significant changes in their NSSF contributions. 

• Those without existing pension plans will see the biggest increase as their Tier II contributions will automatically go to NSSF. 

Why These Changes Matter

• Enhanced Retirement Security: The increased contribution limits aim to improve retirement savings for Kenyan workers. 

• Flexibility and Choice: The option to direct Tier II contributions to approved pension funds provides greater flexibility and allows individuals to tailor their retirement savings strategies. 

Understanding these changes is crucial for both employees and employers. 

• Employees: Review your current pension arrangements and explore options like company pension plans or private pension funds to maximize your retirement savings. 

• Employers: Consider offering superior pension schemes to your employees. This not only enhances employee benefits but also demonstrates a commitment to their long-term financial well-being. 

Luvisia Digital can help you navigate these changes and make informed decisions about your retirement savings. Contact us today to learn more.