FEATURESTOP STORY

Funding challenge, threat to New Pension Scheme

 

As governments at the federal and state levels as well as the private sectors are failing in their obligations to funding the Retirement Savings Accounts (RSAs) of their workers, industry watchers see this as a challenge that is threatening the New Pension Scheme. ABDUL OLALEKAN writes.

The transition from the old pension scheme to the new pension scheme, specifically in 2004, marks a new era in the country’s pension industry, as it puts to an end, fund mismanagement, corruption, lack of transparency as well as funding issue that characterised the Defined Benefits under the old scheme.

It was a rebirth that grew the pension assets from a deficit to currently N5.7 trillion within the last 12 years. While the achievement is commendable, however, it seems there is the reincarnation of the funding challenge that was prevalent in the previous scheme.

The inability of Federal Government to honour the pension obligations of its workers as at when due and the inability of some states to pay salaries and pensions of their civil servants consistently has created several billions of Naira  of pension arrears for the two tiers of governments, a defect that will take several years to address.

For instance, the National Pension Commission (PenCom) disclosed that there has been a decline in the budgetary provision for funding the Retirement Benefit Bonds Redemption Fund (RBBRF) account and the remittance of monthly contribution from 2014 till date.

The commission said the sum of N20.07 billion is required to pay all outstanding accrued benefits for deceased and mandatory retirees of the Federal Government between October to December 2015, even as N79.16 billion has been computed as the arrears of the 15 per cent pension increase owed to 79,961 FG retirees under the CPS as at December, 2014. The sad news here is that of the N91.91 billion projection to offset the pension arrears through RBBRF, only N50 billion was budgeted for in the 2016 national budget, leaving a shortfall of N41.71 billion.

The inability to fund the Retirement Savings Accounts (RSAs) of civil servants at the federal and states levels on a regular basis is a concern for the growth of the pension assets.

Mr. Ivor Takor, former board member, National Pension Commission (PenCom), while charging the Federal Government and States to prioritise funding of their respective workers’ RSAs, said FG was unable to remit pension contributions since October 2015, while state governments are defaulting in the payment of their workers pension contributions as well as salaries.

Takor, who is also a Director, Centre for Pension Right Advocacy, said most illiquid states have suspended pension budget for now, instead, paying salaries without remitting the employer’s monthly pension contributions into their workers RSAs.

He said the pension liabilities of some states is so huge, that even if situation improves, it’s going to be difficult to offset them, wondering why some states could owe two years pension arrears, even as the federal government accrued pension rights is also on the increase.

According to him, “We understood that the FG has not been able to remit pension contributions since October 2015 and this has to do with not only the employer’s contributions, but what then is happening to the contribution of the employees, because it has been deducted from their salaries and the law says the deduction should be paid into the RSAs of the employees, not later than seven days after salaries are paid.”

Government, he said, was not adequately funding the accrued rights at the federal level which is affecting the payment of pension as at when due.

“Then, the greatest problem lies with the states. PenCom said only 10 states have keyed into the CPS, but if you look critically, it is Lagos State that is somehow implementing the CPS. Yes, these states have commissions, bureaus and laws, but are they contributing as at when due? That is the situation. Then, majority of the states don’t have laws. This means the workers have no form of pensions,” he pointed out.

Stating that these are issues that need to be addressed holistically, he added that it’s unfortunate that some of these governors left office and made only some segmented pension laws that only cover them and their office holders, some of them drawing massively from the purse of the state in the name of pension to build houses and cars and did not make laws for the state workers.  “This is very bad, it’s immoral and it should be addressed by current governors”, he advised.

The Director-General, Lagos Pension Commission (LASPEC), Mrs. Folashade Onanuga, said in spite of the challenges the states are passing through, their inability to prioritise pension was responsible for the pension backlog they owe. “Though there are a lot of things contending with state funds, I believe if there is a commitment towards pension, we will always find a way to pay it,” she stressed.

She implored the defaulting states to borrow a leaf from Lagos State, ranked as the first in pension implementation, by making the welfare of their staff either in or out of service, the utmost agenda, hence, paying their monthly pension as at when due.

While speaking on the need to amend the PRA 2014, Mr. Jaiyeola Olowosuko, Director-General, Ondo State Pension Commission, said the Group/Life Insurance that workers enjoy while in service can also be implemented after service to make the CPS more robust, by amending the pension scheme to include a medical and insurance covers, so that the insurance takes care of them in their old age at a premium already paid while in service.

Proffering solutions to the challenges of the CPS, Olowosuko called on the Pension Fund Administrators (PFAs) and PenCom and respective employees to ensure the perfection of documents which must start a year before retirement, while the necessary documentations with PenCom should equally be done on time so that upon retirement, there is no delay for any retiree to access his or her pension entitlement.

According to him, “The necessary clearance with various employee should be done a week before retirement.  We have seen instances where a worker’s RSA is robust and yet 3 to 6 months after retiring, the money is not accessed.  This is not good for life after service (working).”

Meanwhile, Mrs. Chinelo Anohu-Amazu, Director-General, PenCom, while speaking on this development  said the lack of, or low funding was a serious concern, stating that the commission has embarked on a serious awareness and sensitisation campaign in some states of federation in a bid to ensure prompt compliance and full implementation of the CPS.

Some states that opt out of the new scheme initially, she pointed out, are now putting mercenaries in place to subscribe to the scheme, while states who had earlier complied but are not funding the RSAs of their workers, have been enjoined to remit as at when due.

Noting that the private sector has a better compliance rates than the government, she said the commission would leverage on the micro pension to bring in the informal sector into the pension scheme, believing this is the way out, considering the fact that states are not fully compliant.

She stated that  the commission was still working on the micro pension framework and that when it comes on board, she said this would lead to rapid growth of the pension funds and becomes a way out to the funding challenge being confronted by majorly, state government.

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  • My programmer is trying to persuade me to move to .net from PHP. I have always disliked the idea because of the costs. But he’s tryiong none the less. I’ve been using Movable-type on a number of websites for about a year and am anxious about switching to another platform. I have heard good things about blogengine.net. Is there a way I can transfer all my wordpress posts into it? Any help would be greatly appreciated!

  • Hi this is kind of of off topic but I was wondering if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding expertise so I wanted to get guidance from someone with experience. Any help would be greatly appreciated!

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  • Hi there! Quick question that’s totally off topic. Do you know how to make your site mobile friendly? My weblog looks weird when viewing from my iphone4. I’m trying to find a template or plugin that might be able to resolve this issue. If you have any suggestions, please share. With thanks!

  • Howdy this is kind of of off topic but I was wanting to know if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding expertise so I wanted to get guidance from someone with experience. Any help would be greatly appreciated!

  • My programmer is trying to persuade me to move to .net from PHP. I have always disliked the idea because of the costs. But he’s tryiong none the less. I’ve been using WordPress on a variety of websites for about a year and am nervous about switching to another platform. I have heard fantastic things about blogengine.net. Is there a way I can transfer all my wordpress posts into it? Any help would be greatly appreciated!

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  • Howdy! I know this is somewhat off topic but I was wondering which blog platform are you using for this site? I’m getting tired of WordPress because I’ve had issues with hackers and I’m looking at alternatives for another platform. I would be fantastic if you could point me in the direction of a good platform.

  • Hello! Do you know if they make any plugins to help with Search Engine Optimization? I’m trying to get my blog to rank for some targeted keywords but I’m not seeing very good success. If you know of any please share. Thank you!

  • Admiring the time and energy you put into your website and detailed information you provide. It’s great to come across a blog every once in a while that isn’t the same unwanted rehashed information. Wonderful read! I’ve bookmarked your site and I’m adding your RSS feeds to my Google account.

  • We stumbled over here from a different web page and thought I should check things out. I like what I see so now i’m following you. Look forward to exploring your web page yet again.

  • Hello! Do you know if they make any plugins to help with Search Engine Optimization? I’m trying to get my blog to rank for some targeted keywords but I’m not seeing very good success. If you know of any please share. Many thanks!

  • Today, I went to the beach with my kids. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is totally off topic but I had to tell someone!

  • Greetings from Colorado! I’m bored at work so I decided to check out your site on my iphone during lunch break. I enjoy the knowledge you present here and can’t wait to take a look when I get home. I’m amazed at how fast your blog loaded on my phone .. I’m not even using WIFI, just 3G .. Anyways, amazing blog!

  • Hello, I think your site might be having browser compatibility issues. When I look at your blog site in Chrome, it looks fine but when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that, fantastic blog!

  • I was curious if you ever thought of changing the layout of your site? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having 1 or 2 pictures. Maybe you could space it out better?

  • Hmm it appears like your blog ate my first comment (it was extremely long) so I guess I’ll just sum it up what I wrote and say, I’m thoroughly enjoying your blog. I too am an aspiring blog writer but I’m still new to the whole thing. Do you have any recommendations for newbie blog writers? I’d really appreciate it.

  • My spouse and I stumbled over here by a different page and thought I should check things out. I like what I see so i am just following you. Look forward to looking into your web page for a second time.

  • This design is steller! You certainly know how to keep a reader amused. Between your wit and your videos, I was almost moved to start my own blog (well, almost…HaHa!) Fantastic job. I really enjoyed what you had to say, and more than that, how you presented it. Too cool!

  • Hi there! I know this is somewhat off topic but I was wondering if you knew where I could locate a captcha plugin for my comment form? I’m using the same blog platform as yours and I’m having problems finding one? Thanks a lot!

  • Heya! I just wanted to ask if you ever have any trouble with hackers? My last blog (wordpress) was hacked and I ended up losing months of hard work due to no data backup. Do you have any solutions to prevent hackers?

  • Do you have a spam issue on this site; I also am a blogger, and I was curious about your situation; many of us have created some nice methods and we are looking to swap techniques with others, why not shoot me an email if interested.

  • I really like your blog.. very nice colors & theme. Did you make this website yourself or did you hire someone to do it for you? Plz reply as I’m looking to create my own blog and would like to find out where u got this from. thanks a lot

  • Hi there! I know this is sort of off-topic but I needed to ask. Does building a well-established blog like yours require a large amount of work? I am brand new to running a blog however I do write in my diary every day. I’d like to start a blog so I will be able to share my experience and views online. Please let me know if you have any suggestions or tips for new aspiring blog owners. Thankyou!

  • Hey there! Someone in my Facebook group shared this site with us so I came to take a look. I’m definitely loving the information. I’m book-marking and will be tweeting this to my followers! Excellent blog and brilliant design.

  • I was wondering if you ever thought of changing the layout of your website? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having one or 2 pictures. Maybe you could space it out better?

  • Do you have a spam problem on this website; I also am a blogger, and I was curious about your situation; we have created some nice practices and we are looking to trade solutions with other folks, please shoot me an e-mail if interested.

  • Hello! I’m at work browsing your blog from my new iphone! Just wanted to say I love reading your blog and look forward to all your posts! Keep up the superb work!

  • Hello just wanted to give you a quick heads up. The text in your post seem to be running off the screen in Opera. I’m not sure if this is a formatting issue or something to do with web browser compatibility but I figured I’d post to let you know. The design and style look great though! Hope you get the issue solved soon. Many thanks

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