How to Apply for Contributory Pension Scheme in Kenya

2 min


The government proposed a public servants superannuation scheme. This is a defined pension benefit scheme where both the employer and the employee contribute certain proportions towards pension benefits. It is mandatory for those joining service and those below 45 years. Those above 45 years can opt to join.


The quickest way is by opening a Retirement Savings Account’ in your names with a Pension Fund Administrator of your choice. This individual account belongs to you as an employee and will remain with you through life.

You may change employers or pension fund administrators but the account remains the same. Then you may only withdraw from this account at the age of 55 or upon retirement thereafter. This withdrawal may take the form of:

  • A programmed monthly or quarterly withdrawal;
  • A purchase of annuity for life through a licensed life insurance company with monthly or quarterly payments; and
  • A lump sum from the balance standing to the credit of your retirement savings account: provided that the amount remaining after the lump sum withdrawal shall be sufficient to procure an annuity or fund programmed withdrawals that will produce an amount not less than 50% of your monthly remuneration as at date of your retirement.
  • You will visit the nearest CPS office request for a form and fill in your details up to the last page.
  • Present the Retirement Savings Account number to the CPS officer within five working days,your details will be entered into the computer and the officer will then take your photo and thumb prints, then an CPS card will be issued.

Power to grant pensions

(1)Pension, gratuities and other allowances may be granted by the Minister, in accordance with the Pensions Regulations, to officers who have been in the service of the Government.

(2)The Pensions Regulations may be amended by regulations made by the President.

(3)Whenever the President is satisfied that it is equitable that any regulations made under this section should have retrospective effect in order to confer a benefit upon or remove a disability attaching to any person, they may be given retrospective effect for that purpose:

Provided that no such regulations shall have retrospective effect unless they have received the prior approval of the National Assembly signified by resolution.

(4)All regulations made under the pension section shall have the same force and effect as if they were contained in the First Schedule to the pension Act.

(5)Any pension or gratuity granted under the pension Act shall be computed in accordance with subsections (1), (2) and (3) of section 112 of the Constitution.Note

For the avoidance of doubt, it is declared that where an officer has been confirmed in a pensionable office and is thereafter appointed to another pensionable office then, unless the terms of that appointment otherwise require, the last-mentioned office is, for the purposes of this Act, an office in which he has been confirmed.

Where it appears to the President that there is no satisfactory proof of the correct age of an officer or of any child, the President may, upon such evidence as he may think fit, presume the age of the officer or of the child, and that presumed age shall be taken to be the correct age of the officer or of the child for the purposes of the Pension Act.Ads by Google

Required Documents

  • Employer recommendation letter
  • A photocopy of a recognized valid ID
  • A Retirement Savings Account number
  • Birth certificate to prove age.
  • Life insurance policy certificate

Office Locations & Contacts

The Chief Executive

Retirement Benefits Authority

Rahimutulla Towers, Upper Hill Road

P.O. Box 57733-00200 Nairobi

Tel: 2809000, Fax 2710330


Website:http://www.rba.go.keAds by Google


The law makes it mandatory for all workers in the Public Service of Kenya, and workers in the private sector where the total number of employees is 5 or more to join the contributory scheme at commencement.


This is for free of charge for registration.


No expiry date

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