skip to Main Content
Nigeria Social Insurance Trust Fund (NSITF) Registration In Nigeria

Nigeria Social Insurance Trust Fund (NSITF) Registration in Nigeria

Nigeria Social Insurance Trust Fund (NSITF) Registration in Nigeria

In today’s world, many employers take advantage of employees through poor working conditions, health benefits, and no security. Standing up is difficult for many and is the reason the Nigeria Social Insurance Trust Fund (NSITF) was established. The job of NSITF is to provide compensation to insured employees in case of work-related diseases, disability, injuries, or death. This holds when such a demise happens in the workplace or outside it.

The Federal Government of Nigeria established this trust fund to cater for employees’ work-related accidents. The Nigeria Social Insurance Trust Fund monitors and mandates all employers to comply with this initiative. It covers all work-related accidents and injuries to employees.

What is NSITF (Nigeria Social Insurance Trust Fund)?

The Nigeria Social Insurance Trust Fund is a proactive and employee dedicated government institution committed to the welfare of employees in the event of work related accidents and injuries.

Over the past fifty years, the NSITF has evolved from a Provident Fund Scheme to a Social Insurance Scheme and, currently the Employees’ Compensation Scheme.

NSITF applies to every employer and employee in the public and private sectors. Employers will, therefore, contribute 1% of employees’ monthly payroll to the NSITF in the first two years of commencement of the Act. (Payroll means remuneration defined in the Act, excluding pension contributions, bonuses, overtime payments, and one-off payments such as 13th-month income). Thereafter, NSITF Board will perform a risk assessment to classify contributions on workers’ exposure and estimate the appropriate payments. This contribution is not a deduction from an employee’s monthly salary. Rather, it is a statutory payroll contribution by an employer

Contributory Pension Scheme

Under the provision of the NSITF Act, 1993 all employers of labour in the Private Sector registered under the Companies and Allied Matters Act (CAMA) 1990, either as companies or partnerships, regardless of the number of their employees or were sole businesses with a workforce of not less than five employees, were required to register as members of the NSITF Scheme and remit their contributions monthly. It was mandated to provide the following benefits:

Retirement pension benefit
Survivors benefit
Retirement grant
Death grant
Invalidity benefit
Invalidity grant and such other benefits as may be approved from time to time by the Board.

The NSITF scheme was a defined benefit scheme which enabled contributions to enjoy pension and grants far beyond their contributions. The new rate of contribution, which was effected after an actuarial analysis of the scheme, took effect from January, 2002. It was from the cumulative contribution that the cost of administering the Fund was funded and the surplus was invested in safe, liquid and profitable investment to generate income for the payment of benefits. Registered members were permitted, subject to certain qualifications, to receive pension and grants as benefits in the event of attaining the retirement age of 60 (or 55), invalidity or death, which would be paid to them or their survivors as the case might be.


NSITF Registration Process

In getting your NSITF certificate some information must be presented physically in any NSITF office. These includes ;


  1. Particulars of the business (employer name, incoporation number, address, phone number, email)
  2. Particulars of owners of organiztion (full name, position, mode of identification)
  3. Business sector categories
  4. Declaration by employer or authorised person


For more information on how to process your NSITF certificate, kindly contact us at :



Phone:        07038254989

Whatsapp: 07038254989