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Civil Service Family Protection Scheme Board

The Scheme at a Glance

1. What is the Civil Service Family Protection Scheme?
2. Who contribute to the Scheme?
3. How much do you have to contribute?
4. When do you cease to contribute to the Scheme?
5. Do you have to contribute to the Scheme while you are on Leave without pay?
6. What benefits does it provide?
 
1. What is the Civil Service Family Protection Scheme?
The Civil Service Family Protection Scheme is a scheme which provides family protection to the surviving spouse and minor children of public officers and other contributors to the Scheme. The family protection takes the form of a pension which becomes payable on the death of a contributor.
 
2. Who contribute to the Scheme?
(i) Public officers appointed to a pensionable office
(ii) Public officers permanently transferred to an approved service and who elect to continue to contribute to the Scheme.
(iii) Members of the National Assembly
(iv) Officers of the CSFPS Board.
 
3. How much do you have to contribute?
The monthly rate of contribution is 2% of a contributor’s monthly salary (i.e. it includes any allowance which is pensionable such as rent allowance, car benefits, etc).
 
4. When do you cease to contribute to the Scheme?
On the occurrence of any of the following events:
(i) reaching 65 years of age,
(ii) resignation from the Public Service,
(iii) dismissal from the Public Service,
(iv) retirement from the Public Service ,
(v) leaving the Public Service for any reason,
(vi) resignation, dismissal or retirement from an approved service
(vii) opting to cease to contribute to the Scheme on reaching 60 years of age while still in
service (applicable only to those in post as at 30June 2008).
(viii) opting to cease to contribute to the Scheme on the death of one’s spouse if both
spouses were contributors to the Scheme
 
5. Do you have to contribute to the Scheme while you are on Leave without pay?
The Act requires that you still have to contribute towards the Scheme even if you are
on leave without pay.
 
If you have not made your FPS contribution, you willhave to settle your outstanding
contribution, within one year from the date of your resumption of duty.
 
But if you fail to settle your outstanding contribution within the time specified above,
you will forfeit your right to have such leave being reckoned as contributing period.
 
Note: This is applicable to contributors on leave without pay as from 01.07.2008.
 
6. What benefits does it provide?
(i) Payment of a surviving spouse’s pension and children’s pension
 
It primarily provides for the payment of a monthly pension to the spouse and minor children
of a deceased contributor. The pension is payable irrespective whether the contributor dies
in service or after leaving the service.
 
(ii) Refund of Contribution
 
A refund of contribution is made to a contributor where no pension is payable.