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SSF Benefits Overview
All 4 protection schemes from your 31% monthly contribution — rates, limits, and when they activate
At a Glance — All 4 Schemes
| Scheme | Monthly Rate | Waiting Period | Key Benefit |
|---|---|---|---|
| 🏥 Medical & Maternity | 1% of basic salary | 3 months (OPD/IPD) 12 months (Maternity) |
OPD NPR 25K/yr · IPD NPR 1L/yr · 98-day maternity |
| 🦺 Accident & Disability | 1.4% of basic salary | Day 1 — No Wait | Workplace: 100% · Other: up to NPR 7L · Disability pension |
| 👨👩👧 Dependent Family | 0.27% of basic salary | Work accident: Day 1 Other death: 12 months |
Spouse: 60% salary/life · Child: 40%/child · Funeral NPR 25K |
| 🎯 Old Age Pension | 28.33% of basic salary | 180 months (age 60) | Monthly pension OR lump sum Retirement Fund |
⚠️ Pension Formula — Unverified
The exact pension calculation formula has two conflicting versions in official sources — Formula A: (Average basic salary × Months contributed) ÷ 180; Formula B: (Total contributions + Investment returns) ÷ 160. We do NOT publish a pension estimate. Verify directly at ssf.gov.np or email info@ssf.gov.np.
[Research verification pending — May 2026]
Scheme Details
🏥
Medical, Health & Maternity Scheme
1%
of basic salary/month · Starts: Month 3 (OPD/IPD) · Month 12 (Maternity)
OPD Annual LimitNPR 25,000
IPD Annual LimitNPR 1,00,000
Co-payment (your share)20% of bill
Maternity leave (mother)98 days
Paternity leave15 days
Newborn lump sum1 month minimum wage
Fatal disease limitNPR 1,00,000
Critical/severe casesUp to NPR 7,00,000 (board approved)
Empanelled hospitals100+ nationwide
Coverage after stopping24 months (2 years)
Emergency notificationWithin 7 days of non-empanelled treatment
Full Medical Scheme Guide →
🦺
Accident & Disability Scheme
1.4%
of basic salary/month · Day 1 — No Waiting Period
Workplace accident (empanelled hospital)100% covered
Non-workplace accident maxNPR 7,00,000
Occupational disease100% (same as workplace)
Other insurance deducted?Yes — SSF pays the remainder
Temporary disability60% of basic salary per month
Permanent full disabilityLifetime monthly pension
Permanent partial disabilityProportional pension (assessed by SSF)
Notify SSF within7 days
Full Accident Scheme Guide →
👨👩👧
Dependent Family Protection Scheme
0.27%
of basic salary/month · Work accident: Day 1 · Other deaths: 12 months
Spouse pension60% of last basic salary — for life
Spouse forfeiture conditionRemarriage or own employment income
Child allowance40% per child (max 2 children)
Child age limitUp to 18 years
Funeral grantNPR 25,000 (always available)
Foreign worker heir optionLump sum NPR 7,00,000
Full Dependent Family Scheme Guide →
🎯
Old Age Pension & Retirement Scheme
28.33%
of basic salary/month · Employee 8.33% + Employer 20%
⚠️ Pension formula is unverified — we do not calculate estimates
Two conflicting formulas exist in official sources. Contact ssf.gov.np directly.
Pension age60 years
Minimum contributions for pension180 months (15 years)
If less than 180 months at age 60Retirement Fund paid as lump sum
Retirement Fund withdrawalAny age on job termination
Labour Act retirement age58 years (2-year gap before SSF pension)
Loan from Retirement Fund80% after 36 months of contributions
Inflation reviewEvery 3 years
Full Pension Scheme Guide →
When Does Coverage Start?
| Scheme | Coverage Starts | Condition |
|---|---|---|
| 🦺 Accident & Disability | Day 1 | No waiting period. First day of employment. |
| 👨👩👧 Dependent (work accident death) | Day 1 | Work accident or occupational disease death. |
| 🏥 Medical OPD | Month 4 | After 3 months of contributions. |
| 🏥 Medical IPD | Month 4 | After 3 months of contributions (same as OPD). |
| 👨👩👧 Dependent (other death) | Month 13 | After 12 months for non-work-accident deaths. |
| 🏥 Maternity | Month 13 | 12 months within previous 18 months of contributions. |
| 🎯 Pension (monthly) | Age 60 + 180 months | Minimum 15 years contributions and age 60. |
| 🎯 Retirement Fund (lump sum) | Any time | Available at any age on job termination. |