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THE PROCEDURES AND WAYS OF PAYMENT OF PENSION AND GRATUITY TO RETIRED CIVIL SERVANTS IN ENUGU STATE

ABSTRACT:  This project is divided into different stages for ease of reference and simplification for analysis which  goes as follows:-

    The introduction of pension and gratuity, the background of the study which states the provision of pension and gratuity to retired civil servants in Enugu State by government though taxation. But in the private sector, premium has to set aside in separate fund known as funding for the purpose.

     Statement of the problem which states the different problems that through about pension and gratuity which are the inability for the retirees to lacks training and understanding on the qualification and entitlement of pension and gratuity, highly poor of regardless of pension and gratuity to government, inability to know the meaning and need of pension and gratuity.

    Purpose of the study, which state the needs to enlighten the public on the processes involved which prevent some civil servant from enjoying their pension and gratuity before they die. It also let the retired civil servants to know when their suppose to receive their pension and gratuity, finally the processes and ways involved in their payments.

 

 

 

TABLE OF CONTENTS

Chapter One – introduction

1. Background Of The Study                         2
2. Statement Of The Problem                         4
3. Purpose Of The Study                                            5
4. Scope Of The Study                                    5
5. Limitations Of The Study                            6
6. Significance Of The Study                         7
7. Definition Of The Terms                             7
8. References                                                               10

CHAPTER TWO

2.0 Review Of Related Literatures                                    11

2.1 Local Related Literature And Study               11

2.2 Statutory Age Of Retirement                                       12       

2.3 Notices Of Retirement                                                  12

2.4 Conditions For Granting Retirement Benefits         12

2.5 Qualifying Servant For Pension And Gratuity         13

2.6 Death Gratuity                                                                            14

2.7 Pension/Gratuity Where An Officer Killed In

     Course Of The Study                                                                 16

2.8 Way Of Calculating Pension                                      18

2.9 Reference                                                                                   21

CHAPTER THREE

3.1 Research Of Methodology                                           22

3.2 Sources Of Data                                                                        22

3.3 Population Of The Study                                             23

3.4 Sample Size Determination                                        24

3.5 Research Instrument Used                                         25

3.6 Method Of Questionnaire Administration

   And Distribution                                                                            25

3.7 Method Of Data Analysis                                             26

3.8 Limitation Of The Study                                               26

CHAPTER FOUR

4.1 Presentation, Analysis And Interpretation Of Data  27

CHAPTER FIVE

5.1 Conclusion                                                                                 39

5.2 Summary Of Findings                                                  40

5.3 Discussion Of Result                                                               41

5.4 Recommendations                                                                    42

Bibliography                                                                                     45

Appendix                                                                                           49                   

Questionnaires                                                                                50

 

CHAPTER ONE

 

INTRODUTION

The term pension is a sum of money paid regularly by government to people above a certain age and to widowed, (widow) or disable people by former employers or financial institutions. It is also an amount of money paid regularly by a government or company to somebody who is considered to be too old or.

    While the term, gratuity, means the money that you give to somebody who has provided a service for you or money that is given to employers when they leave their job.

       There for being a reward for past meritorious services pensions and gratuities claim a first charge on the consolidated found of any government. Pension and gratuity matter should be treated with dispatch so it becomes inhuman for any deliberate delay in the payment or processing of retiring benefits.

          Some people that bother about the matter at all would admit that pension and gratuity are erroneously understood in Enugu state. And  so it is assumed that very little can be done to stop the abuse of the scheme by both employers and the law makers. And government has accepted that pensions  and gratuities should be regarded as one’s statutory right and should under no circumstances be reduced or with held except for grievous reasons well defined. 

        

1.1  BACKGROUND OF THE STUDY

Government generally regarded as the employer of labor is well identified with the provision of pension and gratuity for retired civil servants in Enugu

state. In the private sector of the economy however, pension is still regarded as a suspect work in much the same way as during the medieval ages in Enugu. Pension and gratuity provision for retired civil servants is financed by government through taxation, but in the private sectors premium, has to be set aside in separate fund known as funding for the purpose.

Contribution towards this fund is born by the employer usually as a percent age of payroll. The employee may or may not be called upon to contribute to the cost. These contributions accumulated with interest and investment income to provide the benefits on retirem