Second interview NSSF

Second interview NSSF

Ndio tatizo kila mtu anawaza kufanya kazi NSSF,PPF,TRA,BOT na hayo ndio matokeo yake.
 
hii ni sbb ya serikali kutokuweka sera thabit juu ya ajira wamejenga vyuo lkn kuwekeza ili ajira zipatikane hakuna tunamkumbuka mwl nyerere mpaka kesho.
 
renakamu said:
hii ni sbb ya serikali kutokuweka sera thabit juu ya ajira wamejenga vyuo lkn kuwekeza ili ajira zipatikane hakuna tunamkumbuka mwl nyerere mpaka kesho.
Click to expand...

kweli mkuu kila chuo kinatoa degree.kwa sasa degree ni nyingi kuliko mahitaji.
kama nchi aitafufua viwanda vya uzalishaji kamwe tatizo la ajira alitakoma.
maana from viwanda ata mtu kujiajiri itakuea rahisi.s
 
duet said:
Hahahahahaaaaa
Click to expand...

TUESDAY, JANUARY 1, 2013
ARASACHI CHIWAMBO at 12:51
AM
QN. What are the following;
NSSF, LAPF, PPF, and PSPF?
QN. What are the
following; NSSF, LAPF,
PPF, and PSPF?
1. (A). What are the following;
NSSF, LAPF, PPF, and PSPF?
NSSF- (National Social Security
Fund) The National Social Security
Fund (NSSF) was established by the
Act of Parliament No. 28 of 1997 to
replace the defunct National
Provident Fund (NPF).
NSSF is a compulsory scheme
providing a wider range of benefits
which are based on internationally
accepted standards and it
is a formal institution that provides
social security protection in
Tanzania, where offers social
security coverage to employees of
private sector and non-pensionable
parastatal and government
employees, ( http://
www.zoomtanzania.com/NSSF--
National-Social-Security-Fund ).
NSSF , the National Social Security
Fund, is national saving scheme
mandated by government through
the National Social Security Fund
act, to provide social security
services to employees.
NSSF- (National Social Security
Fund) is a formal institution that
provides social security protection
in Tanzania, it offers social security
coverage to employees of private
sector and non-pensionable
parastatal and government
employees (http://
www.tanzania.go.tz/pdf/policy
%20framework).
LAPF- The Local Authorities
Pensions Fund (LAPF) is a social
security institution established
under The LAPF Act No 9 of 2006
and aiming; To provide a scheme
for payment of benefits to insured
persons payable under the Act, To
work towards a gradual and
continuous improvement of benefits
payable under the Act, To register
employers and employees who by
law are required to contribute to the
Fund and collect contributions from
them, To safeguard members'
contributions and other resources of
the, Fund through keeping and
maintaining up to date accounts
and records, To invest members'
funds in secure and high yielding
investments; and To formulate, offer
and administer retirement and other
benefits packages which are
attractive to persons and
institutions who are and may
become depositors or contributing
employers, http://www.lapftz.org/
LAPF2006.pdf .
LAPF this means Local Authority
Pension Fund, is the social
institution established under LAPF
Act number 9 of 2006.
LAPF- (The Local Authorities
Provident Fund) is the formal
institution offering social security
coverage to employees of the Local
Government. ( http://
www.ppftz.org/home/
ACT_25_AMEND.pdf )
PPF- (PARASTATAL PENSION
FUND) is a social security
institution established by Act of
Parliament No.14 of 1978 offering
social security coverage to
employees of the both private and
parastatal organizations. The Act
was further amended in subsequent
years to reflect and accommodate
new developments within the social
security sector. The main objectives
of the Fund is to provide pensions
and other related social security
benefits to all employees in the
Parastatal organizations, private
companies, NGO’s, self employed
and those in the informal sector,
( www.-------------------------/..
./ppf tanzania-jobs-vacancies ).
PPF this means Parastatal Pension
Fund. Refers to Public fund account
under a long term dept scheme of
the government.
PPF- (Parastatal Pension Fund) is
the formal institution offering social
security coverage to employees of
the both private and parastatal
organizations (http://
www.ppftz.org/home/reports/
ar1997.PDF).
PSPF (PUBLIC SERVICE PENSIONS
FUND) is the formal institution
which provides social security
protection to employees of central
Government whereby deal with
providing pension and based on The
Act establishing the Fund provides
for three categories of benefits: a)
Old age retirement, survivorship and
invalidity; b) Sickness and funeral;
c) Withdraw in respect of Marriage,
maternity, emigration and
termination of employment, ( http://
www.pspf-tz.org/en/index.php?
page=12 ).
PSPF this means Public Services
Pension Fund, is a darling of all tax
saving investments. PSPF- (The
Public Service Pension Fund) is the
formal institution which provides
social security protection to
employees of central Government
under pensionable terms.
(B). Take one of them and describe
in detail.
NSSF (NATIONAL SOCIAL
SECURITY FUND).
HISTORY OF NSSF
The National Social Security Fund
(NSSF) was established by the Act
of Parliament No. 28 of 1997 to
replace the defunct National
Provident Fund (NPF). NSSF is a
compulsory scheme providing a
wider range of benefits which are
based on internationally accepted
standards, ( http://
www.zoomtanzania.com/NSSF--
National-Social-Security-Fund ).
NSSF is a leading provider of social
security services to employers and
employees covered under the
following categories: Private Sector,
Government Ministries and
Departments, Parastatal
Organizations, Self-employed or any
other employed person not covered
by any other scheme and any other
category as declared by the Ministry
of Labor. Primary objective of NSSF
is to provide a wide range of short
term and long term benefits to
members and families in need of
social security in Tanzania. Fund
offers Old Age, Invalidity and
Survivors Pension, Employment
Injury, Social Health Insurance,
Maternity and Funeral Grants
Benefit services, in Tanzania and
international in general.
NSSF COVER ON THE FOLLOWING
EMPLOYERS AND EMPLOYEES
Companies such as Non-
governmental organizations,
Embassies employing Tanzanians
International organizations,
Organized groups in the informal
sector, Government ministries and
departments employing non-
pensionable employees, Parastatal
organizations, and Self-employed
or any other employed person not
covered by any other scheme Any
other category as declared by the
Minister of Labour.
SCHEME OF FINANCING
The scheme is financed through
contributions at the rate of 20% of
employee’s salary. The employer is
required to deduct from employee’s
gross salary the amount of
contribution not exceeding 10% of
the employee’s salary. The
employer adds the remaining
balance to make the required
contribution rate of 20 % per month,
( http://www.zoomtanzania.com/
NSSF--National-Social-Security-
Fund).
SCHEME’S BENEFITS
The scheme’s Benefit’s provides
seven benefits which are
categorized as long term pension or
short term benefits as follow; (a)
Long Term Pension; Retirement
pension, Invalidity pension, and
Survivor’s pension. (b) Short Term
Benefits; Funeral Grant, Maternity
Benefit, Employment injury Benefit,
and lastly Health insurance Benefit.
Objectives of the National Social
Security Fund
Social security in Tanzania covers a
wider variety of public and private
measures, meant to provide benefits
in the event of the individuals’
earning power permanently ceasing,
being interrupted never developing,
being unable to avoid poverty, or
being exercised only at an
acceptable social costs. The major
domains of social security are
poverty prevention, poverty
alleviation, social compensation
and income distribution.
Many issues relating to social
security are sensitive, as they touch
on the material interests of
organized workers and the
unorganized poor as well as
Insurance industry and employer
organizations. The social security
system in Tanzania has the
following key elements: -
Social assistance schemes which
are non-contributory and income-
tested, and provided by the state to
groups such as people with
disabilities, elderly people and
unsupported parents and children
who are unable to provide for their
own minimum needs. In Tanzania
social assistance also covers social
relief, which is a short term measure
to tide people over a particular
individual or community crisis such
as Mandatory schemes, where
people contribute through the
employers to pension or provident
funds, employers also contribute to
these funds, Private savings, where
people voluntarily save for
retirement, working capital and
insure themselves against events
such as disability and loss of
income and meet other social
needs.
Despite the existence of this
framework, service delivery has not
reached the majority of Tanzanians
due to inadequate financing and
fragmented institutional
arrangements. The estimated total
population of Tanzania is 33.5
million1. Out of this, 70 per cent are
in the rural areas, while the rest are
in urban areas. The total labour
force of Tanzania is estimated at 16
million, where 5.4% of the total
labour force or 2.7% of the total
population is covered by the
mandatory formal social security
system. 93 per cent of the capable
workforce is engaged in the informal
sector in both rural and urban areas;
out of that 80 per cent is in engaged
in the agrarian economy2.
Informal Social Security System
Tanzania, like many other countries
in the developing world has had
strong informal and traditional
social security systems built on
family and/or community support.
In times of contingencies such as
famine, diseases, and old age;
individuals have depended on
family, clan members and members
of the community for assistance in
the form of cash or in kind. While it
is recognized that over time,
traditional social security system
has tended to decay and change
forms in response to the forces of
urbanization and industrialization,
there is evidence that in Tanzania
family and community social
support system have remained as
means of social security within
different social groups. Overtime,
socio-economic reforms have
slowly resulted into disintegration
of the family-based social security
protection leading to the formation
of self-help groupings such as
UPATU, UMASIDA and VIBINDO.
Challenges gave to the rise of the
Social Security.
I) Weakening of Informal Social
Protection System
Socio-economic developments
taking place in Tanzania have
resulted into a slow but steady
disintegration of the kinship or
family-based social support
systems on which the majority of
Tanzanians have depended for
protection against contingencies.
Economic hardships have made it
difficult for individuals, families and/
or kin members to provide
assistance to each other in time of
crisis and need.
The high rate of urbanization has
also taken its toll on traditional
social protection systems. There
has been increasing fragmentation
with families becoming more
dispersed thereby eroding the
capacity of extended families to
function as social safety nets.
ii) Limited Growth of the Formal
Employment
Public sector reforms have resulted
into retrenchment of workers,
freezing employment in the public
sector and privatization of public
enterprises. These have led to
increased unemployment, which in
turn has forced more people to
resort to employment in the urban
informal sector where earnings are
often inadequate and/or uncertain.
There is however a limited growth in
employment in the private sector.
iii) Reduced Access to Social
Services
Despite the deliberate measures by
the government to improve
provision of social services to the
public, considerable part of the
population has either limited or no
access to services. In some
instances, cost sharing in the
provision of social services has
reduced the capacity of the people to
access the services.
iv) Low levels of income
Incomes for the majority of the
people in Tanzania are generally
inadequate to meet their basic
requirements and save for future
use.
v) Declaration of Low Insurable
Earnings
Some employers provide
remunerations composed of basic
salaries and allowances, while
deductions for social security are
based on basic salaries only,
leading to lower benefits from social
security institutions upon
retirement.
Rationale for a Social Security
Policy
The existing social security system
has many shortcomings that
include low coverage of the
Tanzanian Society, fragmentation of
legislation, lack of regulatory
framework, lack of a mechanism for
portability of benefits and
inadequacy of benefits provided.
Therefore, the need for a well-
articulated national social security
policy is more eminent now than
ever. In view of the foregoing, there
is a need for having a
comprehensive national social
security policy that shall address the
needs of employed people in the
formal sector, self employed
population in the informal sector,
the elderly, people with disabilities
and children in need of special
protection.
Therefore the social security policy
is expected to widen the scope and
coverage of social security services
to all the citizens. Harmonize social
security schemes in the country so
as to eliminate fragmentation and
rationalize contribution rates and
benefit structures Reduce poverty
through improved quality and
quantity of benefits offered. Institute
a mechanism for good governance
and sustainability of social security
institutions through establishment
of a regulatory body, Establish a
social security structure that is
consistent with the ILO standards
but with due regard to the socio-
economic situation in the country;
and Ensure more transparency and
involvement of social partners in the
decision making with respect to
social security institutions.
NSSF IN UGANDA
NSSF, the National Social Security
Fund, is a national saving scheme
mandated by government through
the National Social Security Fund
act, to provide social security
services to employees in Uganda.
It was established by an act of
parliament (1985) to provide for its
membership payment of
contributions to, and payment of
benefits out of the fund.
NSSF is a provident fund (pays out
contributions in lump sum). It cover
all employees in the private sector
include Non-governmental
organizations that are not covered
by the Governments pension
scheme. It is a scheme instituted for
the protection of employees against
the uncertainties of social and
economic life.
The NSSF vision
To be the socio security provider of
choice
The NSSF mission
To secure a better life for their
growing membership by providing
quality products, great customer
service and offering competitive
returns in a transparent and efficient
environment
The NSSF value
(i)Customer centric (ii) innovation
(iii) integrity (iv) team work (v)
Efficiency
NSSF benefits, as per Act, NSSF
administers and pays qualified
contributing persons the following
benefits as a matter of rights.
1. Age benefits
This is paid to members who have
reached the retirement age of 55.
Age benefits can also be claimed on
attaining the age of 50 provided the
claimant has retired from
employment.
2. Survivors benefit
This is paid to the immediate
surviving family (spouse and
children) of the deceased member.
In case the member did not have a
spouse or children the benefit is paid
to the parents if they solely
dependent upon the deceased
member.
3. Exempted Employment
This is paid to members who join
exempted employment categories
that have their own schemes
example public services, Army,
Police etc.
4. Emigration grants
This is paid to foreign or Ugandan
members who are leaving country
permanently.
5. Invalidity benefit
This is paid to members who can no
longer be gainfully employed
because of physical or mental
incapacitation.
6. With draw benefit
This is paid to a member if he or she
attains the age of 50 years and if he
or she has not been employed under
a contract of services for a period of
one year immediately preceding his
or her claims.
Generally NSSF is very importance
to the people especially its member
due to the fact that it help their
members who have problem like
sick people, Old ages, Disabilities
and it make people to live in good
standards life after retirements.
LAPF
LAPF, the Local Authorities
Pensions Fund established 2006
under the Act number 9 as a social
security institution so as to work
towards a gradual and continuous
improvement of benefits payable
under the Act, to register employers
and employees who by law are
required to contribute to the Fund
and collect contributions from them,
to safeguard members'
contributions and other resources of
the fund by keeping and maintaining
date accounts and records, to invest
members' funds in secure and high
yielding investments; and to offer
and retirement persons, ( http://
www.lapftz.org/LAPF2006.pdf )
HISTORY OF LAPF. History of the
Local Authorities Pensions Fund
(LAPF), The Local Authorities
Pensions Fund (LAPF) was
established by Act No 9 of 2006
which repealed the Local Authorities
Provident Fund Act No 6 of 2000.
The difference between the former
Local Authorities Provident Fund
(LAPF) and The Local Authorities
Pension Fund (LAPF) is the way
benefits are determined, while in the
former provident Scheme the Fund
was mandated to Defined
Contribution plan, the Fund is
mandated to Defined Benefit (DB)
plan where it based among
contributor retires above poverty
line, on the contribution level of the
insured person and investment.
CHALLENGES , Local Authority
Pension Fund faced with various
problems such as in scarcity of
facilities to store money, low
number of members this because
there are few people who being
aware about the importance of LAPF
as well as miss-management of
work cause poor performance and
efficiency of work, miss uses of fund
is another challenge which face the
inefficiency of Local Authority
Pension Fund. So government must
establish good policy and laws so
as to guide and modify this
institution for more benefited.
PPF
PARASTATAL PENSION FUND (PPF)
PPF is a social security institution
established by Act of Parliament
No.14 of
1978. The Act was further amended
in subsequent years to reflect and
accommodate new developments
within the social security sector.
The main
objectives of the Fund is to provide
pensions and other related social
security benefits to all employees in
the Parastatal organizations, private
companies, NGO’s, self employed
and those in the informal sector.
PUBLIC SERVICE PENSION FUND
(PSPF)
Public Service Pension Fund (PSPF),
this was created by an act of
parliament (the public retirement
benefits acct no.2 of 1999) in order
to replace the pension ordinance of
1954.
The management of the fund is
under the broad of trustees.
THE AIM OF THE FUND
Is to provide quality services with
suitable resources, ( http://
www.pspf-tz.org/eng.php ).
PUBLIC SERVICE PENSIONS FUND
(PSPF).
Public Service Pension Fund (PSPF),
this was created by an act of
parliament (the public retirement
benefits acct no.2 of 1999) in order
to replace the pension ordinance of
1954.
The management of the fund is
under the broad of trustees and the
day to day activities are under the
director general who is assisted by
directors.
The public servise pension fund
should adhere the accountability
and responsibility, integrity and
diligence, creativity as well as
courtesy to all.
MEMBERS WHO ARE BENEFIT
FROM THIS FUND MAY
CATECORIZE INTO THREE;
a) Old age retirement, survivorship
and invalidity;
b) Sickness and funeral;
c) Withdraw in respect of Marriage,
maternity, emigration and
termination of employment.
PENSIONS
The main purpose of Pension is to
provide a replacement of income to
persons who have permanently lost
their income.
OLD AGE PENSION
It is a benefit paid to a member who
has attained the age of 55 years of
age and the above who’s voluntarily
or compulsorily respectively.
SURVIVORS PENSION & INVALIDITY
These services were providing to a
member who dies while in the
service, the board shall grant to
legal representative an amount not
exceeding either his annual
pensionable.
The benefit is payable to
dependants of the deceased
member. Dependants include
Spouse, children and parents of
deceased officer. The survivors
pension is payable without prejudice
to the relevant laws of inheritance.
The concept of invalidity is based on
loss of earning capacity due to
inability. The assessment of
invalidity will be undertaken by an
established Medical Board.
FUNERAL GRANT
This funeral grant shall be paid to
family members of the deceased
member as condolence.
WITHDRAWAL BENEFITS IN
RESPECT OF:
MARRIAGE
Paid to a female member who gets
married and consequently gives up
gainful employment.
MATERNITY
Paid to a female member who has
given birth to a child and has
permanently given up gainful
employment.
EMIGRATION
Paid to member who is emigrating
or has emigrated from United
Republic of Tanzania( http://
www.pspf-tz.org/en/index.php?
page=12 ).
THE IMPORTANCE OF PUBLIC
SERVICE PENSION FUND
This fund may help people to have a
good life even though he/she is in
hard time like sickness and many
other problems. Though through
that services people can afford to
aquire his or her basic needs.
 
Kijacho Jr said:
Jamani kuna watu zaidi ya elfu kumi huku duce sijui wale wa IFM vipi!!!yaani ni baraaa
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Acha uongo ww hapa DUCE ni 2500 na pale IFM ni 1500 Jumla ni 4000 cz wamechuja watu buku kwa sabab ya kwanza pale IFM Tulikuwa 5000 upo na bado interview moja jiandae kupigiwa simu hyo ukipigiwa ndo shav moja kwa moja iwe oral au written.....Kutoka HQ
 
KoreaKaskazini said:
Acha uongo ww hapa DUCE ni 2500 na pale IFM ni 1500 Jumla ni 40000 cz wamechuja watu buku kwa sabab ya kwanza pale IFM Tulikuwa 5000 upo na bado interview moja jiandae kupigiwa simu hyo ukipigiwa ndo shav moja kwa moja iwe oral au written.....Kutoka HQ
Click to expand...

bro mbna sijaelewa 1500 + 2500 = 40000????????
 
diaz said:
TUESDAY, JANUARY 1, 2013
ARASACHI CHIWAMBO at 12:51
AM
QN. What are the following;
NSSF, LAPF, PPF, and PSPF?
QN. What are the
following; NSSF, LAPF,
PPF, and PSPF?
1. (A). What are the following;
NSSF, LAPF, PPF, and PSPF?
NSSF- (National Social Security
Fund) The National Social Security
Fund (NSSF) was established by the
Act of Parliament No. 28 of 1997 to
replace the defunct National
Provident Fund (NPF).
NSSF is a compulsory scheme
providing a wider range of benefits
which are based on internationally
accepted standards and it
is a formal institution that provides
social security protection in
Tanzania, where offers social
security coverage to employees of
private sector and non-pensionable
parastatal and government
employees, ( http://
www.zoomtanzania.com/NSSF--
National-Social-Security-Fund ).
NSSF , the National Social Security
Fund, is national saving scheme
mandated by government through
the National Social Security Fund
act, to provide social security
services to employees.
NSSF- (National Social Security
Fund) is a formal institution that
provides social security protection
in Tanzania, it offers social security
coverage to employees of private
sector and non-pensionable
parastatal and government
employees (http://
www.tanzania.go.tz/pdf/policy
%20framework).
LAPF- The Local Authorities
Pensions Fund (LAPF) is a social
security institution established
under The LAPF Act No 9 of 2006
and aiming; To provide a scheme
for payment of benefits to insured
persons payable under the Act, To
work towards a gradual and
continuous improvement of benefits
payable under the Act, To register
employers and employees who by
law are required to contribute to the
Fund and collect contributions from
them, To safeguard members'
contributions and other resources of
the, Fund through keeping and
maintaining up to date accounts
and records, To invest members'
funds in secure and high yielding
investments; and To formulate, offer
and administer retirement and other
benefits packages which are
attractive to persons and
institutions who are and may
become depositors or contributing
employers, http://www.lapftz.org/
LAPF2006.pdf .
LAPF this means Local Authority
Pension Fund, is the social
institution established under LAPF
Act number 9 of 2006.
LAPF- (The Local Authorities
Provident Fund) is the formal
institution offering social security
coverage to employees of the Local
Government. ( http://
www.ppftz.org/home/
ACT_25_AMEND.pdf )
PPF- (PARASTATAL PENSION
FUND) is a social security
institution established by Act of
Parliament No.14 of 1978 offering
social security coverage to
employees of the both private and
parastatal organizations. The Act
was further amended in subsequent
years to reflect and accommodate
new developments within the social
security sector. The main objectives
of the Fund is to provide pensions
and other related social security
benefits to all employees in the
Parastatal organizations, private
companies, NGO’s, self employed
and those in the informal sector,
( www.-------------------------/..
./ppf tanzania-jobs-vacancies ).
PPF this means Parastatal Pension
Fund. Refers to Public fund account
under a long term dept scheme of
the government.
PPF- (Parastatal Pension Fund) is
the formal institution offering social
security coverage to employees of
the both private and parastatal
organizations (http://
www.ppftz.org/home/reports/
ar1997.PDF).
PSPF (PUBLIC SERVICE PENSIONS
FUND) is the formal institution
which provides social security
protection to employees of central
Government whereby deal with
providing pension and based on The
Act establishing the Fund provides
for three categories of benefits: a)
Old age retirement, survivorship and
invalidity; b) Sickness and funeral;
c) Withdraw in respect of Marriage,
maternity, emigration and
termination of employment, ( http://
www.pspf-tz.org/en/index.php?
page=12 ).
PSPF this means Public Services
Pension Fund, is a darling of all tax
saving investments. PSPF- (The
Public Service Pension Fund) is the
formal institution which provides
social security protection to
employees of central Government
under pensionable terms.
(B). Take one of them and describe
in detail.
NSSF (NATIONAL SOCIAL
SECURITY FUND).
HISTORY OF NSSF
The National Social Security Fund
(NSSF) was established by the Act
of Parliament No. 28 of 1997 to
replace the defunct National
Provident Fund (NPF). NSSF is a
compulsory scheme providing a
wider range of benefits which are
based on internationally accepted
standards, ( http://
www.zoomtanzania.com/NSSF--
National-Social-Security-Fund ).
NSSF is a leading provider of social
security services to employers and
employees covered under the
following categories: Private Sector,
Government Ministries and
Departments, Parastatal
Organizations, Self-employed or any
other employed person not covered
by any other scheme and any other
category as declared by the Ministry
of Labor. Primary objective of NSSF
is to provide a wide range of short
term and long term benefits to
members and families in need of
social security in Tanzania. Fund
offers Old Age, Invalidity and
Survivors Pension, Employment
Injury, Social Health Insurance,
Maternity and Funeral Grants
Benefit services, in Tanzania and
international in general.
NSSF COVER ON THE FOLLOWING
EMPLOYERS AND EMPLOYEES
Companies such as Non-
governmental organizations,
Embassies employing Tanzanians
International organizations,
Organized groups in the informal
sector, Government ministries and
departments employing non-
pensionable employees, Parastatal
organizations, and Self-employed
or any other employed person not
covered by any other scheme Any
other category as declared by the
Minister of Labour.
SCHEME OF FINANCING
The scheme is financed through
contributions at the rate of 20% of
employee’s salary. The employer is
required to deduct from employee’s
gross salary the amount of
contribution not exceeding 10% of
the employee’s salary. The
employer adds the remaining
balance to make the required
contribution rate of 20 % per month,
( http://www.zoomtanzania.com/
NSSF--National-Social-Security-
Fund).
SCHEME’S BENEFITS
The scheme’s Benefit’s provides
seven benefits which are
categorized as long term pension or
short term benefits as follow; (a)
Long Term Pension; Retirement
pension, Invalidity pension, and
Survivor’s pension. (b) Short Term
Benefits; Funeral Grant, Maternity
Benefit, Employment injury Benefit,
and lastly Health insurance Benefit.
Objectives of the National Social
Security Fund
Social security in Tanzania covers a
wider variety of public and private
measures, meant to provide benefits
in the event of the individuals’
earning power permanently ceasing,
being interrupted never developing,
being unable to avoid poverty, or
being exercised only at an
acceptable social costs. The major
domains of social security are
poverty prevention, poverty
alleviation, social compensation
and income distribution.
Many issues relating to social
security are sensitive, as they touch
on the material interests of
organized workers and the
unorganized poor as well as
Insurance industry and employer
organizations. The social security
system in Tanzania has the
following key elements: -
Social assistance schemes which
are non-contributory and income-
tested, and provided by the state to
groups such as people with
disabilities, elderly people and
unsupported parents and children
who are unable to provide for their
own minimum needs. In Tanzania
social assistance also covers social
relief, which is a short term measure
to tide people over a particular
individual or community crisis such
as Mandatory schemes, where
people contribute through the
employers to pension or provident
funds, employers also contribute to
these funds, Private savings, where
people voluntarily save for
retirement, working capital and
insure themselves against events
such as disability and loss of
income and meet other social
needs.
Despite the existence of this
framework, service delivery has not
reached the majority of Tanzanians
due to inadequate financing and
fragmented institutional
arrangements. The estimated total
population of Tanzania is 33.5
million1. Out of this, 70 per cent are
in the rural areas, while the rest are
in urban areas. The total labour
force of Tanzania is estimated at 16
million, where 5.4% of the total
labour force or 2.7% of the total
population is covered by the
mandatory formal social security
system. 93 per cent of the capable
workforce is engaged in the informal
sector in both rural and urban areas;
out of that 80 per cent is in engaged
in the agrarian economy2.
Informal Social Security System
Tanzania, like many other countries
in the developing world has had
strong informal and traditional
social security systems built on
family and/or community support.
In times of contingencies such as
famine, diseases, and old age;
individuals have depended on
family, clan members and members
of the community for assistance in
the form of cash or in kind. While it
is recognized that over time,
traditional social security system
has tended to decay and change
forms in response to the forces of
urbanization and industrialization,
there is evidence that in Tanzania
family and community social
support system have remained as
means of social security within
different social groups. Overtime,
socio-economic reforms have
slowly resulted into disintegration
of the family-based social security
protection leading to the formation
of self-help groupings such as
UPATU, UMASIDA and VIBINDO.
Challenges gave to the rise of the
Social Security.
I) Weakening of Informal Social
Protection System
Socio-economic developments
taking place in Tanzania have
resulted into a slow but steady
disintegration of the kinship or
family-based social support
systems on which the majority of
Tanzanians have depended for
protection against contingencies.
Economic hardships have made it
difficult for individuals, families and/
or kin members to provide
assistance to each other in time of
crisis and need.
The high rate of urbanization has
also taken its toll on traditional
social protection systems. There
has been increasing fragmentation
with families becoming more
dispersed thereby eroding the
capacity of extended families to
function as social safety nets.
ii) Limited Growth of the Formal
Employment
Public sector reforms have resulted
into retrenchment of workers,
freezing employment in the public
sector and privatization of public
enterprises. These have led to
increased unemployment, which in
turn has forced more people to
resort to employment in the urban
informal sector where earnings are
often inadequate and/or uncertain.
There is however a limited growth in
employment in the private sector.
iii) Reduced Access to Social
Services
Despite the deliberate measures by
the government to improve
provision of social services to the
public, considerable part of the
population has either limited or no
access to services. In some
instances, cost sharing in the
provision of social services has
reduced the capacity of the people to
access the services.
iv) Low levels of income
Incomes for the majority of the
people in Tanzania are generally
inadequate to meet their basic
requirements and save for future
use.
v) Declaration of Low Insurable
Earnings
Some employers provide
remunerations composed of basic
salaries and allowances, while
deductions for social security are
based on basic salaries only,
leading to lower benefits from social
security institutions upon
retirement.
Rationale for a Social Security
Policy
The existing social security system
has many shortcomings that
include low coverage of the
Tanzanian Society, fragmentation of
legislation, lack of regulatory
framework, lack of a mechanism for
portability of benefits and
inadequacy of benefits provided.
Therefore, the need for a well-
articulated national social security
policy is more eminent now than
ever. In view of the foregoing, there
is a need for having a
comprehensive national social
security policy that shall address the
needs of employed people in the
formal sector, self employed
population in the informal sector,
the elderly, people with disabilities
and children in need of special
protection.
Therefore the social security policy
is expected to widen the scope and
coverage of social security services
to all the citizens. Harmonize social
security schemes in the country so
as to eliminate fragmentation and
rationalize contribution rates and
benefit structures Reduce poverty
through improved quality and
quantity of benefits offered. Institute
a mechanism for good governance
and sustainability of social security
institutions through establishment
of a regulatory body, Establish a
social security structure that is
consistent with the ILO standards
but with due regard to the socio-
economic situation in the country;
and Ensure more transparency and
involvement of social partners in the
decision making with respect to
social security institutions.
NSSF IN UGANDA
NSSF, the National Social Security
Fund, is a national saving scheme
mandated by government through
the National Social Security Fund
act, to provide social security
services to employees in Uganda.
It was established by an act of
parliament (1985) to provide for its
membership payment of
contributions to, and payment of
benefits out of the fund.
NSSF is a provident fund (pays out
contributions in lump sum). It cover
all employees in the private sector
include Non-governmental
organizations that are not covered
by the Governments pension
scheme. It is a scheme instituted for
the protection of employees against
the uncertainties of social and
economic life.
The NSSF vision
To be the socio security provider of
choice
The NSSF mission
To secure a better life for their
growing membership by providing
quality products, great customer
service and offering competitive
returns in a transparent and efficient
environment
The NSSF value
(i)Customer centric (ii) innovation
(iii) integrity (iv) team work (v)
Efficiency
NSSF benefits, as per Act, NSSF
administers and pays qualified
contributing persons the following
benefits as a matter of rights.
1. Age benefits
This is paid to members who have
reached the retirement age of 55.
Age benefits can also be claimed on
attaining the age of 50 provided the
claimant has retired from
employment.
2. Survivors benefit
This is paid to the immediate
surviving family (spouse and
children) of the deceased member.
In case the member did not have a
spouse or children the benefit is paid
to the parents if they solely
dependent upon the deceased
member.
3. Exempted Employment
This is paid to members who join
exempted employment categories
that have their own schemes
example public services, Army,
Police etc.
4. Emigration grants
This is paid to foreign or Ugandan
members who are leaving country
permanently.
5. Invalidity benefit
This is paid to members who can no
longer be gainfully employed
because of physical or mental
incapacitation.
6. With draw benefit
This is paid to a member if he or she
attains the age of 50 years and if he
or she has not been employed under
a contract of services for a period of
one year immediately preceding his
or her claims.
Generally NSSF is very importance
to the people especially its member
due to the fact that it help their
members who have problem like
sick people, Old ages, Disabilities
and it make people to live in good
standards life after retirements.
LAPF
LAPF, the Local Authorities
Pensions Fund established 2006
under the Act number 9 as a social
security institution so as to work
towards a gradual and continuous
improvement of benefits payable
under the Act, to register employers
and employees who by law are
required to contribute to the Fund
and collect contributions from them,
to safeguard members'
contributions and other resources of
the fund by keeping and maintaining
date accounts and records, to invest
members' funds in secure and high
yielding investments; and to offer
and retirement persons, ( http://
www.lapftz.org/LAPF2006.pdf )
HISTORY OF LAPF. History of the
Local Authorities Pensions Fund
(LAPF), The Local Authorities
Pensions Fund (LAPF) was
established by Act No 9 of 2006
which repealed the Local Authorities
Provident Fund Act No 6 of 2000.
The difference between the former
Local Authorities Provident Fund
(LAPF) and The Local Authorities
Pension Fund (LAPF) is the way
benefits are determined, while in the
former provident Scheme the Fund
was mandated to Defined
Contribution plan, the Fund is
mandated to Defined Benefit (DB)
plan where it based among
contributor retires above poverty
line, on the contribution level of the
insured person and investment.
CHALLENGES , Local Authority
Pension Fund faced with various
problems such as in scarcity of
facilities to store money, low
number of members this because
there are few people who being
aware about the importance of LAPF
as well as miss-management of
work cause poor performance and
efficiency of work, miss uses of fund
is another challenge which face the
inefficiency of Local Authority
Pension Fund. So government must
establish good policy and laws so
as to guide and modify this
institution for more benefited.
PPF
PARASTATAL PENSION FUND (PPF)
PPF is a social security institution
established by Act of Parliament
No.14 of
1978. The Act was further amended
in subsequent years to reflect and
accommodate new developments
within the social security sector.
The main
objectives of the Fund is to provide
pensions and other related social
security benefits to all employees in
the Parastatal organizations, private
companies, NGO’s, self employed
and those in the informal sector.
PUBLIC SERVICE PENSION FUND
(PSPF)
Public Service Pension Fund (PSPF),
this was created by an act of
parliament (the public retirement
benefits acct no.2 of 1999) in order
to replace the pension ordinance of
1954.
The management of the fund is
under the broad of trustees.
THE AIM OF THE FUND
Is to provide quality services with
suitable resources, ( http://
www.pspf-tz.org/eng.php ).
PUBLIC SERVICE PENSIONS FUND
(PSPF).
Public Service Pension Fund (PSPF),
this was created by an act of
parliament (the public retirement
benefits acct no.2 of 1999) in order
to replace the pension ordinance of
1954.
The management of the fund is
under the broad of trustees and the
day to day activities are under the
director general who is assisted by
directors.
The public servise pension fund
should adhere the accountability
and responsibility, integrity and
diligence, creativity as well as
courtesy to all.
MEMBERS WHO ARE BENEFIT
FROM THIS FUND MAY
CATECORIZE INTO THREE;
a) Old age retirement, survivorship
and invalidity;
b) Sickness and funeral;
c) Withdraw in respect of Marriage,
maternity, emigration and
termination of employment.
PENSIONS
The main purpose of Pension is to
provide a replacement of income to
persons who have permanently lost
their income.
OLD AGE PENSION
It is a benefit paid to a member who
has attained the age of 55 years of
age and the above who’s voluntarily
or compulsorily respectively.
SURVIVORS PENSION & INVALIDITY
These services were providing to a
member who dies while in the
service, the board shall grant to
legal representative an amount not
exceeding either his annual
pensionable.
The benefit is payable to
dependants of the deceased
member. Dependants include
Spouse, children and parents of
deceased officer. The survivors
pension is payable without prejudice
to the relevant laws of inheritance.
The concept of invalidity is based on
loss of earning capacity due to
inability. The assessment of
invalidity will be undertaken by an
established Medical Board.
FUNERAL GRANT
This funeral grant shall be paid to
family members of the deceased
member as condolence.
WITHDRAWAL BENEFITS IN
RESPECT OF:
MARRIAGE
Paid to a female member who gets
married and consequently gives up
gainful employment.
MATERNITY
Paid to a female member who has
given birth to a child and has
permanently given up gainful
employment.
EMIGRATION
Paid to member who is emigrating
or has emigrated from United
Republic of Tanzania( http://
www.pspf-tz.org/en/index.php?
page=12 ).
THE IMPORTANCE OF PUBLIC
SERVICE PENSION FUND
This fund may help people to have a
good life even though he/she is in
hard time like sickness and many
other problems. Though through
that services people can afford to
aquire his or her basic needs.
Click to expand...


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