5 important questions to ask your employer about your pension
By Cynthia Lodite, September 4, 2026For many Kenyan workers, pension contributions are deducted from their salaries every month, yet not everyone knows exactly where the money goes or how much they are likely to receive when they retire.
Understanding your pension while you are still working can help you spot mistakes early and make better decisions about your financial future. Whether you are employed for the first time or have been working for several years, these are important questions to ask your employer.
1. How much is being contributed to my pension?
Ask your employer how much you contribute each month and how much the company contributes on your behalf.
You should also confirm that the amount being deducted from your salary matches what is reflected in your pension records. If you notice any difference, ask for clarification immediately.
2. Which pension scheme am i enrolled in?
Find out the name of the pension scheme managing your retirement savings and whether it is registered with the relevant regulator.
You should also know who manages the scheme, how you can access your account and where to get your pension statements.
3. How can I check my pension balance?
Do not wait until retirement to find out how much you have saved. Ask your employer or pension provider how you can regularly access your statement.
Checking your records can help you confirm that contributions are being made correctly and give you an idea of how your retirement savings are growing.
4. What happens to my pension if i leave the job?
If you change jobs, resign or lose your job, your pension does not simply disappear. Ask what options are available for your accumulated savings when you leave.
Depending on the scheme and circumstances, you may be able to transfer your savings to another registered pension arrangement or leave them invested until retirement.
5. What benefits will i receive at retirement?
Ask how your pension benefits will be calculated and what you can expect when you retire.
It is also useful to ask about the retirement age under your scheme, available payment options and what happens to your benefits if you die before retirement.