Pension Scheme

We have planned for our retirement, have you?

This Scheme helps a worker who becomes old or incapacitated and can no longer work for a salary. It also helps the survivors of the deceased worker who has been contributing to his or her retirement

Enrolling for pension benefits is compulsory for the following individuals:

  • All salaried workers (regardless of nationality)
  • Active political representatives

The Social Security benefits offered by the branch of pensions are therefore divided into two categories:

  • Those given to the insured person himself when old or invalid
  • Those given to his eligible survivors.

The contribution rates are 3% paid by the employer and 3% by the employee.

Voluntary Insurance is when a person who is not subjected to social security by law decides to join the scheme as an individual. This can be achieved by applying to join the scheme and paying the required contributions of 6 % of the salary that he or she has fixed. The salary used as the basis for calculating the contribution shall not be less than the basic salary and may not exceed one hundred and thirty percent ( 130%) of the final salary used as the basis for calculating the contributions. This salary can not increase by more that thirty (30%) every three (3) years.

Who is allowed to be a member in voluntary insurance?

  • Any person who contributed under mandatory scheme and enable to continue meeting those conditions can voluntarily apply to remain a member of the scheme
  • The right to apply for voluntary insurance is also accorded to self-employed persons who have never been members of mandatory pension as long as they are not above 50 years of age.
  • Registraion process is done online. Registration platform is found on the RSSB's website www.rssb.rw and the membership is obtained with 7 working days.
  • Members who are abroad can also remit their contributions and the equivalance in the local currency shall be determined based on the prevailing exchange rate fixed by the Central. However, transfer charges shall be borne by the contributing member
  • Declaration and payment is made by the insured person on a monthly basis not later than 15th day of the month following the month for which contributions are related
  • Contributions will not be received if not paid in due time except under circumstance beyond one's control as duly justified

Declaration and remittance of pension contributions are made on monthly basis; not later that 15 th day of the month following the month to which the contributions related.

Eligibility conditions:

  • To be at least sixty(60) years old or to be of the age provided for by legally recognized specific statutes;
  • To have contributed to the pension scheme for at least fifteen ( 15) years
  • To have ceased to perform any remuneration activity.

 

Note: If the member of the pension scheme reaches the retirement age without having contributed for fifteen (15) years, he/she shall receive a lump sum retirement allowance.

Requirements for applying for retirement benefits:

  • Fill the application form from RSSB Branch
  • Birth certificate issued by the Registry Office
  • Life certificate
  • Copy of Identification card
  • His /Her own Bank account Number opened in Rwanda
  • Service testimonial from the last employer for the person who was still in service
  • 2 Passport photos

Note:

  • For a person who is outside Rwanda, may submit his/her application form duly signed and stamped by Rwandan Embassy or Consulate either electronically or by Post.
  • For a person who is unable to go to the Office of social security administration due to physical or mental disability; application form is submitted by his/her representative with written proxy signed and stamped by competent authority of his/her residence
  • For a person who is in a correctional or rehabilitation center, the administration of the center signs and stamp the written proxy of application for pension benefits

Eligibility conditions:

  • If an insured person becomes prematurely old and it is certified so by a commission composed of recognized medical doctors established by the Minister in charge of health upon request by the employer or employee, he/she is entitled to early retirement.
  • He/she must also have contributed for at least fifteen (15) years;
  • To have ceased to perform any remunerated activity.

 

Note: An insured that is eligible for early retirement pension benefits; but who did not contribute 15 years; he/she shall receive a lump-sum pension allowance.

Requirements for applying to early retirement pension benefits(How to apply)

  • Fill the application form at RSSB Branch Birth certificate issued by the Registry Office
  • Life certificate
  • Copy of Identification card
  • Medical certificate of professional inaptitude issued by a legal medical
  • commission Certificate of your working capacity issued by the employer
  • 2 Passport photos
  • His /Her own Bank account Number opened in Rwanda

Eligibility conditions:

  • To have contributed for at least three (3) years;
  • To have contributed up to six (6) months within a period of twelve (12) months before the date on which his/her disability is certified by a medical doctor;
  • To have ceased to perform any remuneration activity;
  • If, upon his/her request or upon the employer’s request, the disability is certified by a recognized medical doctor and confirmed by medical officer for the public entity in charge of pension scheme.

Note: If the disability results from a hazard, the member shall be eligible for disability pension, provided he/she is a member at the time of hazard. Where the insured person is already partially disabled and his/her disability subsequently develops to the point where he/she can no longer perform any remunerated activity, he/she shall be deemed to be disabled. .

Requirements

  • Fill the application form at RSSB Branc
  • Birth certificate issued by the Registry Office
  • Life certificate
  • Certificate of your working capacity issued by the employer
  • Medical certificate of professional inaptitude issued by a doctor approved by the Government
  • Bank account number
  • 2 passport photos

Eligibility conditions:

  • The surviving spouse who did not divorce the deceased
  • The legitimate orphans single, non – employed and under eighteen (18) years of age or twenty-five (25) years of age if still studying. If they suffer from physical or mental disability certified by a recognized medical doctor which renders them unable to perform a remunerated activity shall receive pension benefits until they die
  • The deceased’s biological or adoptive parent of the deceased.

 

Requirements

  • Fill the application for at RSSB Branch
  • Birth certificate of the insured person if the person had not yet received old age pension
  • Death certificate issued by an Officer of the Registry Office or by an approved doctor who confirmed the death
  • Marriage certificate
  • Birth certificates for the deceased’s surviving children
  • Certificate of guardianship issued by competent Tribunal in case of the absence or death of both the parents of the surviving children
  • Certificate of legal recognition of natural children
  • Certificate of school attendance issued by the Heads of schools for the children who are still at school from age of 18 to 25 years
  • Certificate of invalidity issued by medical authority for children who are invalid
  • Certificate of bachelorhood or spinsterhood for the insured person who died single
  • Life certificates of the beneficiaries and 2 passport photos
  • Legal document for adoptive parents
  • Copy of identification card of the applicant
  • Bank account number