What happens to your SSF money after you leave a job?
✓ Verified: 2026-07-11
The Retirement Benefit Scheme amount (8.33% + voluntary additions + transfers) is paid as a lump sum when employment ends. The Pension Scheme amount (20%) comes as a monthly pension after age 60 — those who haven't completed 180 months can choose at 60 between a lump sum or a pension. If you join a new SSF-registered job, contributions continue on the same SSN.
📜 Official sources
- सामाजिक सुरक्षा योजना सञ्चालन कार्यविधि, २०७५ (५औँ संशोधनसहित) (मूल २०७५।०८।०६; ५औँ संशोधन २०८१।०९।१०, लागू २०८२।०१।०१)
For legal purposes always consult the original documents and latest amendments. Rates and limits can change through amendments.