The Problem Of Retirement In The Enugu State Civil Service (A Case Study Of Enugu State Universal Basic Education Board)

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The Problem Of Retirement In The Enugu State Civil Service (A Case Study Of Enugu State Universal Basic Education Board)


Abstract


This is a study on problems of retirement in the enugu state civil service: a case study of enugu state universal basic education board. This study is an attempt to help the enugu state civil service retiring employees to prepare for life after retirement. The work intends to help the retiring employees to set their priorities right and to easily define their lives after retirement. In order to avoid the high degree of penury some retirees live in after several years of service. This study really exposes the importance of retirement guidance and counselling, various issues a retiring employee must address while he/she is still in active service, what the employers should do in order to help the prospective retirees to as a death sentence.


Table Of Contents


Preliminary Pages

  • Title
  • Approval
  • Dedication
  • Acknowledgement
  • Abstract
  • List of Table
  • Table of Contents

Chapter One

1.0 Introduction

  • 1.1 Background of the Study
  • 1.2 Statement of the Study
  • 1.3 Objective of the Study
  • 1.4 Significance of the Study
  • 1.5 Hypothesis
  • 1.6 Scope of the Study
  • 1.7 Definition of Terms

Chapter Two

  • 2.0 Introduction
  • 2.1 Retirement
  • 2.2 Types of Retirement
  • 2.3 Advantages and Disadvantages of Mandatory Retirement
  • 2.4 Flexible/Voluntary Retirement
  • 2.5 Forceful Retirement
  • 2.6 Requirement for Processing of Retirement Benefits
  • 2.7 Retirement Problem of Employees in Nigeria
  • 2.8 Solution To Retirement Problems in Nigeria
  • 2.9 Summary of Literature Review

Chapter Three

  • 3.0 Research Methodology
  • 3.1 Brief Outline of the Study
  • 3.2 Design of the Study
  • 3.3 Area of the Study
  • 3.4 Population of the Study
  • 3.5 Sample of the Study
  • 3.6 Instrument for Data Collection
  • 3.7 Validation of the Instrument
  • 3.8 Distribution and Retrieval of the Instrument
  • 3.9 Method of Data Analysis

Chapter Four

  • 4.0 Data Presentation
  • 4.1 Data Analysis
  • 4.2 Findings

Chapter Five

  • 5.0 Summary of Findings
  • 5.1 Conclusions
  • 5.2 Recommendations
  • 5.3 Limitations of the Study
  • 5.4 Suggestions for Further Study
  • References
  • Appendix
  • Questionnaire

Chapter One


1.0 Introduction

Members of working class are individuals who are deeply engaged in paid employment mainly in work place and organizations not their own. These places could be in the private or public sectors of the economy. These workers are remunerated on fixed wages or salaries instead of on commission or profit basis. They open the better part of their active life working for the growth, development and expansion of their organization. For their contributions to the progress for these organizations they receive virtually nothing in return other than salaries and/or wages. Salaries and wages are prices paid for their training, qualifications, experiences, risk taking, productivity and their other x-efficiency contributions to the overall development of their areas of employment as well as other sectors combined. However, they are not appropriately compensated for their contributions and based on this, they cannot be able to invest in other business ventures that will yield profits to them for the rainy days during the post retirement period and so, they face a lot of problems.

Retirement is an inevitable fact of life every employee must look forward to experience, it further confirms that whatever that has a beginning has an end. But due to unpreparedness and lack of adequate compensation on the part of the employers, there abound problems in the post retirement period and these made many retiring employees see retirement as the ultimate end of their careers and lives. It is phenomenal in Nigeria that there are army of retired government workers and teachers who have not received their retirement benefits after five (5) years. These people are made to undergo excruciating processes of verification and revivification and in the end some of them die without even collecting any benefit.


1.1 Background of the Study

The federal Government in 1988 through Decree N0.31 established National Primary Education Board, and the State Government through Edict established the State Primary Education Board and they manage the affairs of tutorial and non-tutorial staff of primary school by paying them salaries. These establishments were undergoing some reforms in their administration until 2004.

However, in 2004 there was another remarkable event and this was the establishment of Uniform Contributory Pension Scheme for both the public and private sectors throughout Nigeria. Contributory pension scheme is in vogue now where government contribute seven and half percent (71/2%) of the employee’s basic salary on a monthly basis while employees shall contribute the same.

In this regard, the research work intends to x-ray the problems facing retirees, causes effects and possible solution to the problems of retirement in Enugu State Civil Service.


1.2 Statement of the Problem

There were many cases of frustration, economic hardship, stress meted to the retirees which in most times resulted to untimely deaths while in pursuit of their retirement benefits. This constitutes a lot of problems in the management of their homes and the society at large. It therefore, becomes necessary to examine the problems which under assumptions might be responsible for these. Looking at the situation of this country one can broadly say that the management is inability to prepare the prospective retirees for retirement while in service have contributed immensely to both physical and emotional stress. Some people’s opinion hold that the problem should be tagged inaccurate data while some are of the view that it was as a result of non implementation of retirement benefits. Thus it is upon this premise that this study seeks to examine the problem of retirement in the Enugu State Civil Service


1.3 Objective of the Study

The broad objective of this study is to examine the problem of retirement in the Enugu State Civil Service.

Specifically the study seeks to:

  1. To find out the nature of retirement challenges among retirees in Enugu State.
  2. Determine if non implementation of retirement benefit contributes to retiree stress
  3. Investigate if inability of Enugu State civil service to handle pension management contribute to retiree problems.
  4. Identify the strategies employed by the retirees to manage the post retirement challenge.

1.4 Significance of the Study

The need to understudy the nature of post-retirement stress cannot be over emphasized because of its implication on the significant demography of the aging population. Several population enumerations have consistently shown that the retirees occupy a significant proportion of the country’s population. This study on the nature/type of management strategies used by retirees and the counseling implication is timely now that a lot of concerns have been raised on the welfare of the retirees. The Federal Government has reviewed the failure of past policies on pensions with a view to experimenting new scheme. The current Pension Scheme enacted by Federal Legislature is expected to address the problems of non release of pensions, irregular payment of entitlements, corruption in pension administration that have further impoverished the socio-economic conditions of the retirees. Findings from this study will enrich the current data base on pension management. It will also serve as a useful document for pension administrators, government and retirees on how to handle pension issues in the country


1.5 Hypothesis

  • HO1: Non implementation of retirement benefit does not contributes to retiree stress
  • HO2: Inability of Enugu State civil service to handle pension management does not contribute to retiree problems.

1.6 Scope of the Study

The scope of this study borders on the problem of retirement in the Enugu State Civil Service. The study revealed the nature of retirement challenges among retirees in Enugu State. It determine if non implementation of retirement benefit contributes to retiree stress. It investigated if inability of Enugu State civil service to handle pension management contribute to retiree problems. It Identified the strategies employed by the retirees to manage the post retirement challenge. The study is however delimited to Universal Basic Education board.


1.7 Definition of Terms

Retirement:

Retirement is the withdrawal from one’s position or occupation or from one’s active working life.

Retiree:

The meaning of retiree is a person who has retired from a working or professional career.

Civil Service:

The civil service is a collective term for a sector of government composed mainly of career civil servants hired on professional merit rather than appointed or elected, whose institutional tenure typically survives transitions of political leadership.


Chapter Five


Summary, Conclusion and Recommendation

5.1 Summary

The broad of this study borders on the problem of retirement in the Enugu State Civil Service using Universal Basic Education board. The study revealed the nature of retirement challenges among retirees in Enugu State. It determine if non implementation of retirement benefit contributes to retiree stress. It investigated if inability of Enugu State civil service to handle pension management contribute to retiree problems. It Identified the strategies employed by the retirees to manage the post retirement challenge.

Survey research design was adopted for the study and with the aid of convenient sampling method, the researcher selected Fifty-five (55) participant who are Staff of Universal Basic Education board was selected as the respondent of the study. Well structured questionnaire was issued to the respondent of which 50 responses were retrieved and validated for the study. Data was analyzed in frequencies and tables using simple percentage, Mean and standard deviation. Hypothesis test was conducted using Chi-Square Statistic package for social science (SPSS).


5.2 Conclusion

Retirement from active civil service is a sine qua non in the life of every public officer. It is a stage that every worker must surely reach whether he prepares for it or not. Retirement from active civil service is inevitable in the life of every public officer. Many workers look forward to retirement but do not prepare for it as it is a stage that every worker must surely reach whether he prepares for it or not. Many who secure entrance into organisation are not conscious of their exit which is certain at a future date. Waiting on the government to ensure proper, effective and efficient retirement strategies have failed in the past as the study has shown. The study then concluded that having a great retirement in Nigeria not only depends on the government but on ardent preparation by those involved so that at the end of the day, they would not become a burden to themselves and the society at large. Findings from the study revealed that some of the basic challenges faced by the retirees in Nigeria include problems associated with planning and management, the exit stage, corruption at the pension board, discrimination by the society, domestic violence within the family, sudden death etc. Some the solutions to these problems include adequate planning during retirement, period of retirement itself, financial needs during retirement, expected income during retirement, estimating your sources of income, developing new groups of friendship etc


5.3 Recommendation

From the findings of the study, the following recommendations were made:

More emphasis should be placed on solving attitude to retirement. Nigerian workers both in the private and public sector should see retirement not as an end of one’s world rather the beginning of a new (another) phase of life.

Therefore there should be early planning and workers retiring on ground of age should be celebrated and treated as war veterans by the society and government.

It is recommended that all workers and retirees should avail themselves of the total package of retirement strategies advocated by Marceau (1998). According to the author, the retirement planning should reflect the individual’s dreams, hopes and aspirations in addition to meeting day- to day obligations. – Retirees should engage in small scale farming or other similar activities. – It is essential that all prospective retirees should begin with personal goal setting exercise that reflects how the individual wants to spend the last third of his/her life. The question is not just “can I afford it?” It is also “how do I want to spend the last time I have left?”. – Retirement benefits should be budgeted in advance so that retirees can be paid as they retire.

Adding to the above, Federal Government and private investors should try and create an agency for retirement in each state so to tackle difficulties of retirees.


The Problem Of Retirement In The Enugu State Civil Service (A Case Study Of Enugu State Universal Basic Education Board)


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