{"id":410,"date":"2025-02-11T07:06:45","date_gmt":"2025-02-11T07:06:45","guid":{"rendered":"https:\/\/enwealth.co.ke\/pension\/?page_id=410"},"modified":"2025-02-26T16:14:33","modified_gmt":"2025-02-26T16:14:33","slug":"umbrella","status":"publish","type":"page","link":"https:\/\/enwealth.co.ke\/pension\/umbrella\/","title":{"rendered":"Umbrella"},"content":{"rendered":"[vc_row type=&#8221;full_width_background&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; top_padding=&#8221;3%&#8221; constrain_group_1=&#8221;yes&#8221; bottom_padding=&#8221;3%&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;center&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221; gradient_type=&#8221;default&#8221; shape_type=&#8221;&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][split_line_heading animation_type=&#8221;line-reveal-by-space&#8221; font_style=&#8221;h2&#8243; text_color=&#8221;#36014e&#8221; line_reveal_by_space_text_effect=&#8221;default&#8221; content_alignment=&#8221;center&#8221; mobile_content_alignment=&#8221;inherit&#8221; link_target=&#8221;_self&#8221; text_content=&#8221;What is Enwealth Umbrella Fund&#8221;][\/split_line_heading][split_line_heading animation_type=&#8221;line-reveal-by-space&#8221; font_style=&#8221;p&#8221; line_reveal_by_space_text_effect=&#8221;default&#8221; content_alignment=&#8221;center&#8221; mobile_content_alignment=&#8221;inherit&#8221; link_target=&#8221;_self&#8221; text_content=&#8221;Enwealth Umbrella Retirement Benefits Scheme is an umbrella pension scheme designed<br \/>\nfor Employers who wish to ride on an already existing retirement fund.<br \/>\nThe scheme is approved by RBA to receive NSSF Tier II Contributions with a wide range<br \/>\nof benefits to both employers and employees. The enactment of the NSSF Act 2013 sought to revise the monthly contributions by both<br \/>\nemployer and employee from KES 400 to a 12% deduction operated in the Tier 1 and<br \/>\nTier II system. The law is now effective since 2023, after several litigations and<br \/>\nsuspension by the court in 2014.&#8221;][\/split_line_heading][\/vc_column][\/vc_row][vc_row type=&#8221;full_width_background&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; bg_color=&#8221;#8ec244&#8243; scene_position=&#8221;center&#8221; top_padding=&#8221;2%&#8221; constrain_group_1=&#8221;yes&#8221; bottom_padding=&#8221;2%&#8221; text_color=&#8221;light&#8221; text_align=&#8221;center&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; disable_element=&#8221;yes&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221; gradient_type=&#8221;default&#8221; shape_type=&#8221;&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][split_line_heading animation_type=&#8221;line-reveal-by-space&#8221; font_style=&#8221;h2&#8243; line_reveal_by_space_text_effect=&#8221;default&#8221; content_alignment=&#8221;center&#8221; mobile_content_alignment=&#8221;inherit&#8221; link_target=&#8221;_self&#8221; text_content=&#8221;NSSF Tier II&#8221;][\/split_line_heading][split_line_heading animation_type=&#8221;line-reveal-by-space&#8221; font_style=&#8221;p&#8221; line_reveal_by_space_text_effect=&#8221;default&#8221; content_alignment=&#8221;center&#8221; mobile_content_alignment=&#8221;inherit&#8221; link_target=&#8221;_self&#8221; text_content=&#8221;The enactment of the NSSF Act 2013 sought to revise the monthly contributions by both<br \/>\nemployer and employee from KES 400 to a 12% deduction operated in the Tier 1 and<br \/>\nTier II system. The law is now effective since 2023, after several litigations and<br \/>\nsuspension by the court in 2014.&#8221;][\/split_line_heading][\/vc_column][\/vc_row][vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; top_padding=&#8221;3%&#8221; constrain_group_1=&#8221;yes&#8221; bottom_padding=&#8221;3%&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; class=&#8221;formups&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221; gradient_type=&#8221;default&#8221; shape_type=&#8221;&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][split_line_heading animation_type=&#8221;line-reveal-by-space&#8221; font_style=&#8221;h2&#8243; text_color=&#8221;#36014e&#8221; line_reveal_by_space_text_effect=&#8221;default&#8221; content_alignment=&#8221;center&#8221; mobile_content_alignment=&#8221;inherit&#8221; link_target=&#8221;_self&#8221; text_content=&#8221;Join In 3 Easy Steps&#8221;][\/split_line_heading][divider line_type=&#8221;No Line&#8221;][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/6&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][\/vc_column_inner][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;2\/3&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;]\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f409-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"409\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/pension\/wp-json\/wp\/v2\/pages\/410#wpcf7-f409-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" enctype=\"multipart\/form-data\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"409\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f409-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"fp-form\">\n\t<div class=\"step-navigation\">\n\t\t<div class=\"step-title active\" data-step=\"1\">\n\t\t\t<p>Download scheme documents\n\t\t\t<\/p>\n\t\t<\/div>\n\t\t<div class=\"step-title\" data-step=\"2\">\n\t\t\t<p>Upload signed documents\n\t\t\t<\/p>\n\t\t<\/div>\n\t\t<div class=\"step-title\" data-step=\"3\">\n\t\t\t<p>Fill out company details\n\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n\n<!-- Step 1: Upload Documents -->\n\t<div class=\"step active\" data-step=\"1\">\n\t\t<div>\n\t\t\t<p><a href=\"https:\/\/enwealth.co.ke\/wp-content\/uploads\/2025\/02\/Sample-Deed-of-Adherence-Nssf-provisions-included.docx\" target=\"_blank\">Sample Deed of Adherence<\/a>\n\t\t\t<\/p>\n\t\t\t<p><a href=\"https:\/\/enwealth.co.ke\/wp-content\/uploads\/2025\/02\/Board-Resolution-to-join-Enwealth-Umbrella.docx\" target=\"_blank\">Sample Board of Directors Resolution<\/a>\n\t\t\t<\/p>\n\t\t\t<p><a href=\"https:\/\/enwealth.co.ke\/wp-content\/uploads\/2025\/02\/Appointment-letter.docx\" target=\"_blank\">Sample Appointment Letter<\/a>\n\t\t\t<\/p>\n\t\t\t<p><a href=\"https:\/\/enwealth.co.ke\/wp-content\/uploads\/2025\/02\/Sponsor-Undertaking.docx\">Sample Sponsor Undertaking<\/a>\n\t\t\t<\/p>\n\t\t\t<p><a href=\"https:\/\/enwealth.co.ke\/wp-content\/uploads\/2025\/02\/Draf-Resolution-by-Participating-Sponsor.docx\" target=\"_blank\">Sample Draft Resolution by Participating Sponsor<\/a>\n\t\t\t<\/p>\n\t\t\t<p><a href=\"https:\/\/enwealth.co.ke\/wp-content\/uploads\/2025\/02\/Form-C1-updated.pdf\" target=\"_blank\">Form C1<\/a>\n\t\t\t<\/p>\n\t\t<\/div>\n\t\t<div class=\"ups-btns\">\n\t\t\t<p><button type=\"button\" class=\"btn next-btn\">Next<\/button>\n\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n\n <!-- Step 1: Upload Documents -->\n\t<div class=\"step\" data-step=\"2\">\n\t\t<div class=\"form-group col-3\">\n\t\t\t<p><label>Deed of Adherence<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"deed-of-adherence\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-file wpcf7-validates-as-required form-control\" accept=\".pdf,.doc,.docx\" aria-required=\"true\" aria-invalid=\"false\" type=\"file\" name=\"deed-of-adherence\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t\t<div class=\"form-group col-3\">\n\t\t\t<p><label>Board of Directors Resolution<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"board-resolution\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-file wpcf7-validates-as-required form-control\" accept=\".pdf,.doc,.docx\" aria-required=\"true\" aria-invalid=\"false\" type=\"file\" name=\"board-resolution\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t\t<div class=\"form-group col-3\">\n\t\t\t<p><label>Appointment Letter<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"appointment-letter\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-file wpcf7-validates-as-required form-control\" accept=\".pdf,.doc,.docx\" aria-required=\"true\" aria-invalid=\"false\" type=\"file\" name=\"appointment-letter\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t\t<div class=\"form-group col-3\">\n\t\t\t<p><label>Sponsor Undertaking<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"sponsor-undertaking\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-file wpcf7-validates-as-required form-control\" accept=\".pdf,.doc,.docx\" aria-required=\"true\" aria-invalid=\"false\" type=\"file\" name=\"sponsor-undertaking\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t\t<div class=\"form-group col-3\">\n\t\t\t<p><label>Draft Resolution by Participating Sponsor<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"draft-resolution\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-file wpcf7-validates-as-required form-control\" accept=\".pdf,.doc,.docx\" aria-required=\"true\" aria-invalid=\"false\" type=\"file\" name=\"draft-resolution\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t\t<div class=\"form-group col-3\">\n\t\t\t<p><label>Form C1<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"form-c1\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-file wpcf7-validates-as-required form-control\" accept=\".pdf,.doc,.docx\" aria-required=\"true\" aria-invalid=\"false\" type=\"file\" name=\"form-c1\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t\t<div class=\"ups-btns\">\n\t\t\t<p><button type=\"button\" class=\"btn prev-btn\">Previous<\/button>\n\t\t\t<\/p>\n\t\t\t<p><button type=\"button\" class=\"btn next-btn\">Next<\/button>\n\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n\n\n <!-- Step 2: Personal & Company Details -->\n\t<div class=\"step\" data-step=\"3\">\n\t\t<div class=\"fp-form\">\n\t\t\t<div class=\"form-group col-6\">\n\t\t\t\t<p><label>Full Name<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"full-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"full-name\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"form-group col-6\">\n\t\t\t\t<p><label>Position<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"position\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"position\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"form-group col-6\">\n\t\t\t\t<p><label>Email<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email form-control\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"email\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"form-group col-6\">\n\t\t\t\t<p><label>Phone Number<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel form-control\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"phone\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"form-group col-6\">\n\t\t\t\t<p><label>Company Name<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"company-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"company-name\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"form-group col-6\">\n\t\t\t\t<p><label>Number of Employees<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"company-size\"><input class=\"wpcf7-form-control wpcf7-number wpcf7-validates-as-number form-control\" aria-invalid=\"false\" value=\"\" type=\"number\" name=\"company-size\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"form-group\">\n\t\t\t\t<p><label>Company Email<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"email-address\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"email-address\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"form-group\">\n\t\t\t\t<p><label>How did you find out about us?<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"find-out\"><select class=\"wpcf7-form-control wpcf7-select form-control\" aria-invalid=\"false\" name=\"find-out\"><option value=\"Select an option\">Select an option<\/option><option value=\"Google\">Google<\/option><option value=\"Social Media\">Social Media<\/option><option value=\"Referral\">Referral<\/option><option value=\"Other\">Other<\/option><\/select><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"ups-btns\">\n\t\t\t\t<p><button type=\"button\" class=\"btn prev-btn\">Previous<\/button>\n\t\t\t\t<\/p>\n\t\t\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Submit\" \/>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><input type='hidden' class='wpcf7-pum' value='{\"closepopup\":false,\"closedelay\":0,\"openpopup\":false,\"openpopup_id\":0}' \/><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n[\/vc_column_inner][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; 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mobile_content_alignment=&#8221;inherit&#8221; link_target=&#8221;_self&#8221; text_content=&#8221;Frequently Asked Questions&#8221;][\/split_line_heading][toggles style=&#8221;default&#8221; accordion=&#8221;true&#8221; accordion_starting_functionality=&#8221;default&#8221; border_radius=&#8221;none&#8221;][toggle color=&#8221;Default&#8221; heading_tag=&#8221;default&#8221; heading_tag_functionality=&#8221;default&#8221; title=&#8221;What are Tier I contributions?&#8221;][vc_column_text]Tier 1 contributions are monthly contributions in respect of Pensionable Earnings up to the Lower Earnings Limit, that are done directly to NSSF.[\/vc_column_text][\/toggle][toggle color=&#8221;Default&#8221; heading_tag=&#8221;default&#8221; heading_tag_functionality=&#8221;default&#8221; title=&#8221;What are Tier II contributions?&#8221;][vc_column_text]Tier 2 contributions are contributions that are over and above the normal contributions that are done to NSSF. This is how much money that can go into your existing pension fund.[\/vc_column_text][\/toggle][toggle color=&#8221;Default&#8221; heading_tag=&#8221;default&#8221; heading_tag_functionality=&#8221;default&#8221; title=&#8221;What is Lower Earnings Limit?&#8221;][vc_column_text]This is the amount gazetted by the Cabinet Secretary from time to time as the average statutory minimum monthly basic wage for the top urban centres, second tier urban centres and rural areas for the year.[\/vc_column_text][\/toggle][toggle color=&#8221;Default&#8221; heading_tag=&#8221;default&#8221; heading_tag_functionality=&#8221;default&#8221; title=&#8221;How much will Tier II contributions cost?&#8221;][vc_column_text]Tier 2 contributions are the bulk of your statutory contribution. It costs 6 % of your salary and is phased over a 5-year period.[\/vc_column_text][\/toggle][toggle color=&#8221;Default&#8221; heading_tag=&#8221;default&#8221; heading_tag_functionality=&#8221;default&#8221; title=&#8221;How are Tier II contributions calculated?&#8221;][vc_column_text]Tier 2 contributions are based on your earnings between lower earnings limit and upper earnings limit.<br \/>\nThe below table provides such a summary.[\/vc_column_text][\/toggle][toggle color=&#8221;Default&#8221; heading_tag=&#8221;default&#8221; heading_tag_functionality=&#8221;default&#8221; title=&#8221;What is the deadline for making monthly Tier II contributions?&#8221;][vc_column_text]The deadline for making contributions is the 10th day of every month.[\/vc_column_text][\/toggle][toggle color=&#8221;Default&#8221; heading_tag=&#8221;default&#8221; heading_tag_functionality=&#8221;default&#8221; title=&#8221;Is there a penalty for delayed contribution?&#8221;][vc_column_text]Yes, there is a penalty for delayed contribution. If you delay your contribution you will be denied the opportunity to get better benefits.[\/vc_column_text][\/toggle][toggle color=&#8221;Default&#8221; heading_tag=&#8221;default&#8221; heading_tag_functionality=&#8221;default&#8221; title=&#8221;What is a contracted-out scheme?&#8221;][vc_column_text]It is an occupational retirement benefits scheme including an umbrella retirement benefits scheme or an individual retirement benefit scheme which has been approved and registered by the Retirement Benefits Authority for purposes of receiving Tier II Contributions and, where applicable, Tier II Fund Credit transfers.[\/vc_column_text][\/toggle][\/toggles][\/vc_column][\/vc_row][vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; 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