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Why the Nigerian Police should not exit the Contributory Pension Scheme, By Micheal Manson
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In recent months, debates have intensified around a controversial bill before the National Assembly proposing the exit of the Nigeria Police Force (NPF) from the Contributory Pension Scheme (CPS) and the establishment of a separate Police Pension Board. While the agitation is driven by valid frustrations over the low pensions currently received by retired police officers, experts and stakeholders warn that the proposed solution risks plunging the country back into a dark era of fiscal inefficiency, delayed payments, and mismanagement.
The issues with Nigeria’s old Defined Benefit Scheme (DBS), where pensions were paid directly by the government, are well documented. Under that system, retirees often went unpaid for months, some even died waiting. This spurred the 2004 Pension Reform Act and the birth of the CPS, a modern, transparent, and accountable system that ensures pensions are paid monthly from professionally managed Retirement Savings Accounts (RSAs). Retirees under CPS, including police officers, now receive pensions regularly between the 14th and 18th of every month.
Yet, for all its benefits, the CPS has not resolved the issue of pension adequacy, especially for low-ranking officers. Many retired Assistant Superintendents of Police reportedly earn as little as ₦40,000–₦50,000 per month, while retired Commissioners of Police receive around ₦70,000, a far cry from what is needed for a dignified retirement after years of service under harsh and dangerous conditions. But experts argue that abandoning CPS is not the solution.
Security experts, pension professionals, and human rights advocates have spoken with one voice: the CPS needs reform and strengthening, not abandonment. According to Ivo Takor, a former NASU president and director of the Centre for Pension Rights Advocacy, “The problem is not the structure of CPS, but poor remuneration. Exiting CPS with a poor salary structure will only reproduce the same result, low pensions.” He added that CPS remains the best framework to ensure transparency, fiscal responsibility, and long-term sustainability.
Furthermore, Section 4(4)(a) of the Pension Reform Act empowers employers to provide additional benefits at retirement. This opens the door for the Federal Government to supplement the pensions of police personnel in a structured and lawful manner. PenCom has already proposed several enhancements, including increasing the employer’s contribution from 10% to 20%, making a total of 28% monthly (20% employer + 8% employee), up from the current 18%. This would go a long way toward achieving adequacy in pension payments.
The responsibility of improving the welfare of police retirees lies squarely with the government of the day. Rather than legislating a detour that threatens to undo two decades of pension reforms, the federal government should take bold steps to improve CPS for those who serve under the most challenging conditions.
Key among the necessary steps is to increase police salaries so that both take-home pay and pensions rise proportionally. Pension is a function of salary; poor earnings during service inevitably translate into poor pension outcomes. It is only just that the government aligns the reward with the risk, stress, and sacrifice that come with policing.
Secondly, the government must increase its monthly contributions to police RSAs from the statutory 10% to 20%, while also ensuring that the proposed reintroduction of gratuity payments, a lump-sum retirement benefit of up to 100% of the officer’s annual gross pay, is implemented. This plan, recently announced by PenCom’s Director General, Ms. Omolola Oloworaran, is a forward-thinking intervention, estimated to cost ₦35 billion annually.
To further tailor the CPS to the police’s unique needs, the NPF Pensions Limited was established in 2014 as a specialised Pension Fund Administrator (PFA) for the Nigeria Police Force. It operates independently of public service red tape, employs pension professionals, and is already delivering results. Initiatives such as the Retiree Resettlement Support Scheme (RRSS) and the Pension Augmentation Fund provide additional support to retired police officers, demonstrating the potential for continuous improvement within the CPS.
Moreover, pensioners under CPS enjoy guaranteed payment backed by regulation. Sections 4(5) and 84 of the PRA ensure minimum pension payments and life insurance coverage, respectively, providing both financial stability and dignity in retirement.
Supporters of the bill cite precedents in the military and intelligence services that exited CPS. However, these arguments overlook the financial strain that such exits impose on government budgets. As pointed out by experts, reviving a separate Police Pension Board would likely lead to fiscal indiscipline, mismanagement, and payment delays, issues the CPS was specifically designed to eliminate.
Furthermore, internalising pension management within the police command could open the door to abuse and non-transparent practices. Professional oversight by licensed PFAs under PenCom ensures accountability, regulatory compliance, and financial growth of pension assets through investment returns.
From a constitutional perspective, Section 173(1) of the 1999 Constitution guarantees the right of public servants, including police officers, to pensions regulated by law. This right must be implemented equitably. The doctrine of equal protection under the law (Section 42) also requires that police officers are not subjected to inferior retirement conditions compared to their counterparts in other security agencies.
The government cannot afford to abandon a functioning system simply because it needs fine-tuning. Rather, it should leverage the CPS’s strengths and improve weak areas, starting with funding and political will. From PenCom to police management, from pension advocacy groups to legal experts, the consensus is clear: keep the police within the CPS, reform it from within, and increase contributions and benefits to reflect the true cost of public service.
Senator Binos Yaroe, who sponsored the bill, rightly noted that poor pensions stem from poor salaries. However, the solution is not to pull out of CPS; it is to contribute more to it. The CPS is not the enemy. Inadequate funding is. As the bill awaits further legislative action, the onus is now on the Federal Government to act responsibly: protect the reform, fund the future, and deliver justice to those who risk their lives to protect the nation. Let history not remember us as the generation that unravelled a working system, but as the one that fixed it.
● Micheal Manson contributed this piece from Lagos.
News
Youths Flood Ondo City to Honour Akinlaja’s Birthday, Hail Him as Visionary Leader and True Democrat
By Kayode Sanni-Arewa
Ondo City came alive on Monday, June 1, 2026, as a sea of jubilant youths converged on Adoc Events Centre and the residence of Hon. Joseph Iranola Akinlaja, former representative of Ondo East and West Federal Constituency, to celebrate his birthday.
Under the banner of the End Miscreants Movement, the gathering was more than a festivity—it was a tribute to Akinlaja’s enduring legacy and his contributions to the socio-economic growth of Ondo.
The youths described the septuagenarian and former General Secretary of NUPENG as a peace-loving icon, a consummate democrat, and a leader committed to youth empowerment, human capital development, and sustainable innovation.
They emphasized that the “End Miscreants Movement” reflects Akinlaja’s role as a stabilizing force whose interventions have curbed cultism, violent clashes, land grabbing, and other social vices in the community.
The event drew prominent figures, including former Governor Dr. Olusegun Mimiko, who praised Akinlaja as a symbol of peace, unity, and progress. Mimiko lauded his maturity and sacrifice in advancing excellence.
Other dignitaries present were Speaker of the Ondo State House of Assembly Rt. Hon. Olamide Adesanmi Oladiji, Hon. Biola Makinde, Hon. Moyinoluwa Ogunwunmiju, and Hon. Abiola Oladapo, Akin Akinbobola, Eni Akinshola, editor in chief and publisher of Veracity Desk (veracitydesk.com), Emmanuel Ajibulu etc, all of whom extolled Akinlaja’s virtues.
The Chairman of Lagos Zone of Petroleum Tanker Drivers (PTD) Branch of NUPENG, Comrade Gbolahan Saheed Adigun who was unavoidably absent was represented by Israel Okougbo, Comrade Samuel Owolabi, Adekunle Akinlaja and Comrade Timothy Iseoluwa.
The atmosphere was electrified by live music from five different professional musicians, with youths chanting solidarity slogans and dancing in contagious but peaceful jubilation.
In his remarks, Akinlaja thanked the youths for their support, urging them to prepare for a prosperous future. He highlighted the achievements of Dr. Mimiko (fondly called Iroko), noting his enduring legacies in governance and innovation.
“Our youths must remain steadfast as ambassadors of excellence, shaping a brighter future for Nigeria,” Akinlaja declared, challenging them to actively participate in the electoral process to ensure credible and peaceful elections.
Speaking on behalf of the youths, Aseyege Ayoola, popularly known as Spender, hailed Akinlaja as a unifying figure whose temperament and experience are vital for Nigeria’s progress.
He commended fellow youths for making the event successful and acknowledged contributors such as Kayode Folajogun, Adijath Wonuola, Akin Fadayomi, Lawrence Adefolaju, Lukas Famakinwa, and Akinpelumi.
News
Fire security chiefs if insecurity persists in next 90 days– Adeboye urges FG
The General Overseer of the Redeemed Christian Church of God, Pastor Enoch Adeboye, has advised the federal government to give Nigeria’s security chiefs a 90-day deadline to eliminate terrorists across the country or resign from office.
Adeboye made the call in a video shared on X on Tuesday where he expressed concern over the country’s security situation and urged authorities to act swiftly against those responsible for the violence.
Addressing the government, the cleric said security chiefs should be held accountable for delivering results in the fight against terrorism.
“If I were asked to make suggestions, I would say quietly to our government, ‘Move fast and tell our security chiefs, get rid of these terrorists within 90 days or resign,” he said.
The cleric also called on the government to go beyond targeting terrorists and focus on those financing and supporting their activities.
“When giving orders to the service chiefs this time around, we should make it clear to them that they are not only to eliminate the terrorists; they should eliminate their sponsors, no matter how influential they may be,” he added.
Adeboye recalled advising a former Nigerian president to issue a similar ultimatum to security chiefs in the past, noting that although the directive was given, it was not fully enforced when the deadline elapsed.
According to him, the experience underscored the need for stronger political will and strict enforcement of directives aimed at ending insecurity.
The cleric’s remarks come amid renewed concerns over terrorist attacks, banditry and kidnappings in several parts of the country, with calls mounting for more decisive measures to tackle the security challenges.
News
Reps Demand Swift Action Over Abduction of 42 Pupils in Borno
…seek tougher protection measures for schools in high-risk communities
By Gloria Ikibah
The House of Representatives has called for the immediate rescue of 42 schoolchildren abducted from Mussa Ward in Askira-Uba Local Government Area of Borno State, as lawmakers renewed demands for stronger security around schools across Nigeria.
The resolution was sequel to the adoption of a Motion of Urgent Public Importance sponsored by Rep. Midala Balami during Tuesday’s plenary session.
Debating the motion, Rep. Balami described the abduction as a disturbing reminder of the persistent insecurity confronting communities in Borno State and other parts of the country. He emphasised that safeguarding students, teachers and educational institutions remains a core responsibility of government and warned that repeated attacks on schools continue to threaten access to education and undermine public confidence in security efforts.
The lawmaker recalled a series of high-profile abductions in the state, including the Chibok schoolgirls kidnapping, in which many of the victims are yet to be reunited with their families. He also referenced the mass abduction of more than 400 adults and children from Ngoshe, as well as several kidnappings reported along the Biu-Buratai Road and surrounding communities.
According to Balami, the recurring attacks have left families traumatised, disrupted livelihoods and contributed to declining school enrolment and attendance in vulnerable areas, as many parents fear for the safety of their children.
He argued that urgent and coordinated action is needed to secure the release of those still in captivity, restore public confidence and reassure communities that their safety remains a priority.
The lawmaker also noted growing frustration among residents who increasingly expect concrete results in the fight against insecurity rather than repeated promises.
Following deliberations, the House urged the Federal Government and security agencies to intensify efforts to rescue the 42 abducted pupils and all other victims currently being held by kidnappers or insurgents, with a view to reuniting them with their families as quickly as possible.
Lawmakers further called for enhanced protection of schools in Borno State and other vulnerable regions through increased deployment of security personnel, improved intelligence gathering and more effective rapid-response mechanisms.
The House maintained that ensuring the safety of children and protecting access to education must remain a national priority, particularly in communities that continue to face threats from criminal and insurgent groups.
In addition, the House encouraged the expansion of school protection initiatives, including early warning systems, community-based security arrangements, security awareness programmes and improved surveillance infrastructure around educational institutions.
The House further mandated its Committees on National Security, Defence, Basic Education and Legislative Compliance to engage with relevant security agencies and report back on measures being taken to secure the release of abductees and improve security around schools nationwide.
Lawmakers also urged the Federal Government to develop and implement a comprehensive Safe Schools Security Framework aimed at protecting students, teachers and educational institutions from future attacks.
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