Kenya's Health Secretary Defends SHA After KSh11 Billion Fraud Claims

The change follows the 2013 NSSF Act's phased increases to strengthen retirement savings, as over 70 percent of retirees lack enough funds. Contributions now split into two tiers at 6 percent each: Tier I up to Sh9,000 earnings, Tier II on the rest up to Sh108,000, with employers matching the amount.

Tax relief softens the blow slightly—for a Sh100,000 earner, the net hit is about Sh1,512 monthly—yet take-home pay has shrunk steadily amid other levies and falling real wages. Private pension schemes might ease some strain for those covered.