FREQUENTLY ASKED QUESTIONS, ETC.
- Question: What is a Letter of Administration?
Answer: Letters of Administration are usually granted by a probate registry of a High Court to appoint appropriate person(s) or institution to administer the estate of a deceased person in line with extant applicable laws and regulations such as the Administration of Estate Laws, 2005.
- Question: What are the features of Letters of Administration?
Answer: In line with the provisions of the Administration of Estate Law, 2005, a valid Letters of Administration must contain the following features-Name of the Court (High Court),
- Name of deceased,
- Place of Death,
- Names and addresses of the beneficiaries,
- value of property; and
- Seal of the Court.
- Question: Which of the Courts is saddled with the responsibility of issuing Letters of Administration?
Answer: The High Court of a State or the FCT High Court.
- Question: What is the difference between Letters of Administration and Enrollment of Order?Answer: Enrollment of Order is a summary of the judgment of a Court for enforcement, while Letters of Administration are granted by a probate registry of the High Court to appoint appropriate person(s) or institution(s) that would administer the estate of the deceased.
- Question: What is the importance of a SEAL in a Letter of Administration? Can Letters of Administration be authentic without it?Answer: Red seal or the seal of the Court as the case may be, must be affixed to a Letter of Administration to authenticate the document. A letter of Administration without a seal is invalid
- Question: Can an Enrollment of Order by a Magistrate of customary court be used to access a deceased Pensioner’s benefit?Answer: No. Please refer to the answer to Question No.4 above. This is because the issuance of a letter of administration is a judicial function performed by the Probate Division pursuant to the Rules of Court.
- Question: Where one of the Beneficiaries in the Letters of Administration is out of the Country, how can the other beneficiaries access the death benefit of the Pensioner?Answer: The beneficiary that is in diaspora (outside the Country) may donate a Power of Attorney duly authenticated by a Notary Public or a Commissioner for Oaths in favour the beneficiaries that are domiciled in Nigeria. (See section 110 of the Evidence Act, 2011).
- Question: Where there is a conflict between the names in the Record of Service and Letters of Administration, which one takes precedent?Answer: The Letters of Administration issued by a Court of competent Jurisdiction will take precedence over the Records of Service. Where there are conflicting Letters of Administration, the Directorate may have no other option than to rely on the Records of Service.
- Question: What is the relevance of Affidavit in processing retirement benefit or death benefit?Answer: An Affidavit is used to attest to the identity of the Deponent, to provide support to Police Extract in the case of loss of documents and attest to change of name.
- Question: What are the features and contents of a valid Affidavit?Answer: An Affidavit must contain the following features –
(a) The Heading of the Court,
(b) Deponents full name,
(c) Trade, Profession, Residence and Nationality,
(d) The purpose for which the deponent is deposing to the affidavit;
(e) The paragraph showing that the affidavit in tune with the Oaths Act in force;
(f) The Signature of the Deponent;
(g) Stamp and signature of the Commissioner for Oaths or Notary Public; and
(h) The passport photograph of the Deponent
- Question: Does PTAD accept Affidavits that is obtained from Magistrate Courts?Answer: Yes. Affidavits are acceptable provided it is endorsed by a Magistrate, Commissioner for Oath or Notarian.
- Question: Which Court is empowered to issue valid Affidavit?Answer: Magistrate Court, High Court States, FCT High Court and Federal High Court.
- Question: I had a fire incident and all my original document were burnt. I have an Affidavit without Police Extract. Can you accept it?
Answer: No. You will need the Police extract to get valid affidavit. It will also be necessary to retrieve some of your documents from the organisations where you served.
- Question: The documents with me are photocopies and have not been certified. Do you think that PTAD will accept them? They are photocopies. If not what do I do to certify the photocopied documents?Answer: Where a party brings a photocopy of a document without presenting the original, he should attach an affidavit stating the reason why the original document is absent or present a Certified True Copy photocopy of the Originals as the case maybe.
- Question: Can a Power of Attorney authorise a third party to stand in for a Pensioner during verification especially where the Pensioner is out of the Country.Answer: NO! The Pensioner must be present for verification. Pension is personal.
- Question: What is a Power of Attorney?Answer: Power of Attorney is an instrument (a document in writing) usually by way of a Deed, signed, sealed and delivered, by which the Principal called the ‘’Donor’’ appoints an agent called the “Donee” and confers authority on the Donee to perform certain specified acts or kinds of acts on behalf of the Donor, as if he is the one doing them.
- Question: What are the features of Power of Attorney?Answer: A valid power of attorney must have the following features –
- Identifiable Parties to wit, the Donor and the Donee of the delegate power,
- be in writing and under seal (signed, sealed and delivered)
- be issued for valuable consideration and fixed period of time;
- be revocable or irrevocable
- the Donor and Donne must be persons with legal capacity in law to enter into a valid contract;
- attested to or authenticated by a Notary Public or Commissioner for oaths.
- Power of Attorney should be stamped within 40 days of execution and registered within 60 days of execution.
- Question: Can a Power of Attorney that has been attested to by a Notary Public be said to be genuine/ acceptable?Answer: Yes. There is presumption of authenticity of Power of Attorney if it is attested to by a Notary Public, Commissioner for oaths, Magistrate or a Judge.
- Question: What are the likely reasons for change of name by a pensioner?Answer: The main reasons why people change their name are to reflect changes in their –
- marital status such as marriage, divorce, etc.; or
- Family name.
- Question: What are the RED signals to look out for when going through change of name documents?Answer:
(a) The new name must be an addition to his/her names.
(b) The Affidavit must state the reason for the change of name.
(c) His/her bank statement and BVN must also contain the new name.
- Question: What are the procedures for change of name?Answer: The pensioner should forward a formal application letter addressed to the Executive Secretary explaining the reason for the change name. The application should be accompanied with the following documents –
- Birth Certificate or Affidavit of Declaration of Age,
- Identity card,
- Newspaper publication,
- BVN slip,
- Statement of Account,
- Marriage Certificate for married women,
- Certificate of Indemnity in a prescribed form to indemnify the Directorate from any liability arising from the change of name.
- Question: What are the procedures for change of Account or Bank by a Pensioner?Answer: The pensioner should forward a formal application letter addressed to the Executive Secretary explaining the reason for the change of account. He should attach the following documents to the application –
- statement of account of the old accounts;
- Statement of account of the new one,
- BVN slip; and
- letter of non-indebtedness from the old bank.
Thereafter, he will be required to complete a Certificate of Indemnity in a prescribed form to indemnify the Directorate from any form of liability that may arise from the change of name.
- Question: What is the relevance of BVN in processing retirement and death benefits?Answer: The BVN number is relevant because it serves as –
- a direct link between a person and his/her account;
- one of the best forms of identification;
- provides link to all the accounts operated by the holder;
- a guide to ensure that the right beneficiary is being paid; etc
- Question: I was informed that my pension was stopped because I’m operating a Joint Account. What is the reason behind that?Answer: It is because the payment of pension should only be made to individual pensioners. A second party is not allowed to have access to pension. Secondly, in the event that a pensioner dies, the pension should be stopped and having a joint account will mean continuous payment and withdrawal of the pension.
- Question: When will I receive my monthly pension arrears?Answer: The Directorate is treasury funded. We wait for releases from the Federal Government and the arrears is paid in batches subject to availability of fund. Once a pensioner is sure that he has submitted all relevant documents, arrears will be paid on completion of the processes and fund is made available.
- Question: When am I hoping to be paid my Gratuity?Answer: Funds have not been released for the payment of gratuity. Once the funds are released, the gratuity will be paid.
- Question: When are we going to be paid our balance of 33%?Answer: Pensioners do not have to fill out complaint forms for the payment of 33%. Once the fund is made available by the Federal Government, they will be paid.
- Question: I am a downsized Pensioner and my Gratuity was short paid. Where can I lay my complaint?Answer: It was the Bureau for Public Service Reforms (BPSR) and Accountant General’s office that computed and paid the gratuity of downsized pensioners. Any downsized pensioner who was short paid should direct their complaint to the Bureau of Public Service Reform (BPSR). PTAD is however responsible for the payments of gratuities of all Immigration downsized pensioners.
- Question: I have been verified since 2015. I have never received pension, when will I be paid?Answer: If you have been verified since 2015 and have not been enrolled into the monthly pension payroll, you may contact us through any of the channels such as electronic channels or surface mail. This will enable the Directorate to find out the reason for your non – enrolment.
- Question: I was employed same year with a colleague and retired same year but he earns more than I am earning, why?Answer: There are several variables that determines what a pensioner earns at retirement, e.g. length of service, step at retirement, rank at retirement, date of retirement. If a pensioner feels he is being short paid, he/she should fill out our complaint form in any of our offices nearest to him or her
- Question: Do I have to submit all my documents when I have a complaint even after I have been verified?Answer: No, once a pensioner is verified submission of documents are no longer a requirement for forwarding of complaint. It is only the verification slip and six months statement of account before the period of complain to date that will be required.
- Question: I have Federal Share of pension in my computation sheet but, your office said because I started work in Primary School I am therefore not entitled to Federal Share. How do I get my Federal Share?Answer: Primary school teachers are not entitled to Federal share of pension. They should complain to Primary Education Board.
- Question: Why is verification necessary?Answer: It is necessary for PTAD to carry out Verification Exercise to ascertain the proof of life and create a credible database of all pensioners under the Defined Benefit Scheme (DBS). PTAD did not inherit a credible pensioner’s database. Consequently, informing a need to verify all pensioners under the DBS to enable PTAD respond to and resolve pensioner’s complaint aptly and appropriately.
Furthermore, the Verification of pensioners is aimed at:
- The establishment of an accurate, credible and digitized database of pensioners under DBS and for complaint resolution.
- Eliminating duplicate payments and ghost pensioners
- Correcting anomalies such as over payments and under payments
- Obtaining relevant service records to ensure accurate computation of pension payments.
- Updating the records of the Next of Kin (NOK) for payment of death benefits.
- Question: What documents are needed for verification
Answer: The documents needed are-
(a) Letter/Gazette of 1st Appointment
(b) Letter/ Gazette of Confirmation of appointment
(c) Letter/Gazette of last Promotion.
- Letter Notice of retirement approved by a competent Authority.
- Severance Payslip (Disengaged Retirees only
- Evidence of change of name ( where applicable)
- Duly stamped and signed NUBAN Bank statement on the Bank letterhead from period of retirement or date from which complaint was made till date.
- Computation Sheet or Authority for Payment duly stamped and signed by the State Auditor (State Pensioners with Federal Share)
- Birth Certificate/ Age Declaration (Due Pensioners only)
- 1 coloured Passport Photograph
- Approval Letter of Merger/ Condonation from head of service OHCF ( for those who merged their service)
- Identity card.
(m) Letter of Introduction from Service Chief (for Due Pensioners)
- Question: What are the required documents for the verification of a deceased pensioner’s Next of Kin?
Answer: The requirements for Next of Kin’s verification are –
- Letter/Gazette of the First Appointment of the deceased
- Letter/Gazette of Confirmation of Appointment of the deceased
- Letter /Gazette of Last Promotion of the deceased
- Letter of Retirement of the deceased
- Death certificate (from Government Hospital/National Population Commission)
- Computation Sheet of the deceased (for State pensioners with Federal share)
- Severance payslip of the deceased (for Disengaged Retirees only)
- Joint account Statement of account
- BVN print out of the Next of Kin
- Recognized Identity card
- Affidavit of Next of Kin
- Marriage certificate if it is the wife
- Last Command and Service Chief
- Letters of Introduction from Family/Village Head and L.G.A/ (these are requirements by the services before issuing letters of introduction
- Question: What should I do since I have missed the general verification exercise and I have never received pension?Answer: If you missed the verification in your zone, you can still be verified at our Abuja HQTRs on the days assigned to each group from 9am- 4pm.
(a) Tuesday – Customs Immigration and Prisons Pensions (CIPPD), Police Pension Department (PPD)
(b) Wednesday – Civil Pensions (CSPD)
(c) Thursday- PaPD Department
Please ensure you come along with all documents required for Verification’s as listed above.
- Question: I am not in Nigeria at the moment and I missed the verification exercise that was previously conducted. My monthly pension has been stopped. What do I do?Answer: You can go to the nearest Nigerian embassy or High Commission to you to obtain an “I am alive” certificate. Attach resident permit and data page of your international passport and all relevant documents and forward to the Directorate. With these, your monthly pension will be restored for six months while you make effort to come for verification before the expiration of the six months.
- Question: I worked in one of the Defunct Parastatals. When is your office coming to verify us?Answer: PTAD has concluded verification for the Police, Customs, Immigration Prisons and Civil Service Pensioners. We are currently verifying Parastatal Pensioners.
- Question: I am not living close to any of your zonal offices. I am frail and do not have the means to travel. How do I get verified? Is there any other medium that I can use to send in my complaints?Answer: The pensioner can be verified. He/she should send in the required documents with a full sized photograph and residential address to any of our zonal offices that is close to him/her through a third party. When the document is approved, a team of mobile verification officers may be sent to verify him
- Question: How do I correct an information error after I have been verified?Answer: Send a notification to PTAD attaching a photocopy of the verification print out and the supporting document for the change.
- Question: My husband is your Pensioner, and he has just passed away. The Bank has refused to allow me withdraw money from his account. How can I access his pension and outstanding benefits if any?Answer: The Next of Kin is to write to PTAD, the letter should be addressed to the Executive Secretary, forwarding a notification of death of the Pensioner. Furthermore the NOK should attach relevant documents listed under the answer to Question 35 above. The Directorate will write the bank if need be to release any money accrued to the deceased pensioner and outstanding benefit to the deceased Next of Kin will be computed and paid.
- Question: When are you going to start the ‘In-House’ verification in the Zonal offices?Answer: Plans are under way to extend the in-house verification to other zonal offices but you can be verified in our Abuja and Lagos offices for the time being.
- Question: Some people do call that we should pay money into their Account before they can process our file. Are they really from your office?Answer: No staff of the Directorate will demand for payment before processing your retirement benefit. Such request should be reported immediately to the office.
- Question: My husband is bedridden and cannot attend the verification exercise. How can he be verified?
Answer: Relations of sick pensioners can contact PTAD for mobile verification through our website complaints portal at www.ptad.gov.ng or our toll free line (080-CALL PTAD, 080-2255-7823), 09-4621721, 09-4621722. Pensioners can directly send an email to firstname.lastname@example.org or our Facebook and Twitter handles. Additionally, relations can also call to the Lagos and Enugu State Offices to request for mobile verification.
- Question: What are the cut off dates for Pure Federal Pensioners and State with Federal Share pensioners?Answer: The cut-off date for the pure federal pensioners under the Defined Benefit Scheme is 30th June, 2007 while the cut of date for the State pensioners with Federal share is 31st March, 2011.
For enquiries, you are encouraged to reach us through any of the medium listed below –
- 080022557823 (toll free)
- 09-4621721 (rates apply)
- 09-4621722 (rates apply)
Report any fraudulent or corrupt act to –
08144607574 (rate apply)