Foreign Employment Social Security Fund
The Social Security Fund (SSF) is a government initiative designed to safeguard the financial security and welfare of Nepalese migrant workers, particularly during old age, accidents, disability, or death.
Migrant workers holding a valid labor permit are required to compulsorily contribute to the SSF. Eligible contributors include both workers employed abroad with a labor permit and self-employed individuals overseas.
Who can enroll for SSF?
Nepalese Migrant Workers
Foreign Employed Workers and Self-Employed Persons Abroad
Labor Permit
Who have obtained or renewed labor permit
Ways to Get Registered
- Workers who have received or need to renew labor approval for foreign employment
- Workers who have received labor approval for countries for other than South Korea for foreign employment
Website of the Social Security Fund
sosys.ssf.gov.np- Workers under the EPS (Employment Permit System) who have received labor approval and are working in South Korea
- Individuals who are self-employed abroad
Required Documents for Enrollment
Nepalese Migrant Workers
- Citizenship or passport,
- Labor permit (if they are in a country where labor permit is needed),
- Name and address of the employer and country, and
- Detail of a contact person in Nepal including their name, address and relationship.
Nepalese Self-Employed Person in Nepal
- Citizenship or passport, and Visa
- Copy of their Business Registration Certificate
- Name of the Company or Profession, it's address and contact number, and
- Should mention the amount of money to be contributed to the scheme.
Categorization of the deposited fund on the basis of services
Accident or Disability Protection Plan and Dependent Protection Plan
- Medicine treatment, health, and maternity protection plan
- Accident and disability protection plan
- Dependent family protection plan
Old Age Protection Plan
- Pension Fund
- Retirement Fund
| Minimum Contribution | 21.33% of basic remuneration mentioned Rs. 10,820 by Nepal Government = Rs. 2,307.91 |
|---|---|
| Maximum Contribution | Up to three-fold of Rs. 10,820 per month for 24 months i.e. Rs.10,820*3 = Rs. 32,460 Up to 2 years contribution i.e. Rs. 10,820*3*24 = Rs. 7,79,040 |
| Accident or Disability Protection Plan and Dependent Protection Plan | 7.48% |
|---|---|
| Old Age Protection Plan | 13.85% |
| Minimum Contribution (if someone contributes Rs. 2,307.91) | Maximum Contribution (in case of contributing Rs. 32,460) | Maximum Contribution (in case of contributing Rs. 7,79,040) |
|---|---|---|
| Accident/Disability and Dependent Protection Plan 7.48% * 10,820 = Rs. 809.34 |
Accident/Disability and Dependent Protection Plan 7.48% * 10,820 = Rs. 809.36 |
Accident/Disability and Dependent Protection Plan 7.48% * 10,820 = Rs. 809.36 |
| Old Age Protection Pension Fund 13.85% * 10,820 = Rs. 1,498.57 Retirement fund Rs. 0 |
Old Age Protection Pension Fund 13.85% * 10,820 = Rs. 1,498.57 Retirement fund Rs. 32,460 – 2,307.91 = Rs. 30,152.07 |
Old Age Protection Pension Fund 13.85% * 10,820 = Rs. 1,498.57 Retirement fund Rs. 7,79,040 - 2,307.91 = Rs. 7,76,732.09 |
Benefits and Services
Medicine treatment, health, and maternity protection plan
Under this plan, medical expenses up to NPR 1,00,000 will be covered if incurred within the same fiscal year.
Learn More
Infant Care Allowance
Under this provision, the policyholder will receive an amount equivalent to the basic salary set by the Government of Nepal, currently NPR 10,820 per child.
Learn More
Accident and Disability Services
This plan provides financial support for medical treatment and disability benefits in the event of an accident.
Learn More
Dependent Protection Plan
This plan provides financial support to the dependents of a contributor in the unfortunate event of the contributor’s death.
Learn More
Retirement Savings Plan
Policy holder will get the lumpsum amount that was deposited to retirement saving plan along with interest upon his return to Nepal after resigning form the work abroad.
Learn More
Pension Plan
Upon reaching the age of 60, the policyholder will receive a monthly pension, calculated by dividing the total amount deposited in the Pension Fund, including accrued interest, by 160.
Learn MoreAdditional Benefits under SSF
- Policyholders who deposit an amount equivalent to more than six months required premium in advance will enjoy a 10% discount on insurance plan.
- If a policyholder refrains from utilizing medical-related benefits under the Social Security Fund (SSF) for three consecutive years and submits an application for the pension fund, a remarkable 20% of the deposited amount will be earmarked for the pension under old age protection fund.
- For policyholders who remit 70% of their total foreign employment income via official banking channels (all cash, bank and wallet) to Nepal, a 20% discount will be applicable to all plans except the old age protection plan.
Additional Benefit for Registered Migrant Workers by Tribhuvan International Airport (TIA)
If a migrant worker is registered with the Social Security Fund (SSF), they are entitled to bring one television of any size for only one time into Nepal without paying customs duty, upon presenting their SSF ID card.
Frequently Asked Questions
Go to your browser, generate a new submission number, and complete all required fields under the KYC section. Once submitted, your KYC will be verified within 1–2 working days. After verification, you can download your ID card from the "Registration" section under the "Report" tab in the portal.
No. Currently, you can only make contributions through the web browser. The SSF app does not support contributions at this time.
No. You only need to update your KYC when your personal details change.
No. You can only claim expenses from hospitals listed under SSF. If a listed hospital does not have the prescribed medicine and you purchase it from another pharmacy, those expenses are reimbursable. If no listed hospital is available nearby, or if a listed hospital refers you to another facility, those expenses may also be reimbursed.
No, you cannot. Once you have contributed for a particular month, you are not allowed to contribute again for that same month.
No. They are two different schemes with separate benefits and premiums.
You must submit your salary statement, updated salary documents, and proof of remittance transfers.
Yes. After returning to Nepal, you can either withdraw the amount deposited in the Retirement Fund or convert it into a pension through an application.
You will receive accrued interest on Shrawan 1st (mid-July) of every fiscal year.
The government revises the basic salary every 2 years.
Yes. Upon your return, your Foreign Employment SSF account can be merged into a regular SSF account, along with the accumulated amount.
Even if your work permit expires, you can still claim eligible expenses within the fiscal year the expense occurred.
The OTP will be sent to your registered email address.
You must submit your claim within 3 months of your baby’s birth.
Yes, you can. However, you must contact SSF through their hotline 1166 for assistance.
No. Expenses incurred in foreign countries are not reimbursable.
No. Dental, mental health, and cosmetic treatments are not covered under claimable expenses.
Common reasons include mismatched information (e.g., with your citizenship details) or issues with the uploaded photo/documents.
The approved claim amount will be deposited into your designated bank account.
Yes. You can contribute to SSF until the age of 60.
If you’ve contributed for 15 years or more, you must receive your retirement fund as a pension. If you've contributed for less than 15 years, you can withdraw the full amount as a lump sum.
You cannot make contributions for a missed month. The SSF system only allows contributions for the current or upcoming month, not for any previous or missed months.
The interest rate on the Old Age Protection Plan is always above 5%, as determined and updated periodically by the Social Security Fund (SSF).
You will be eligible to take a loan once your SSF account has been active for 3 years.
You can contact us through the following channels: SSF Hotline: 1116 | WhatsApp: +977 985-1351754 | Email: [email protected]