The PRGF exists to recognise your service irrespective of the number of employers you have had. That design only works if the contributions were actually made.
What to verify
- That contributions are being made at 4.5% of your monthly remuneration
- That they appear on your payslip, as the Act requires
- That there are no gaps across employers
Are you eligible?
Most employees are, but check whether you fall into an exclusion:
- Retirement benefits payable under the Statutory Bodies Pension Funds Act
- Retirement benefits payable under the Sugar Industry Pension Fund Act
- A private pension scheme where the employer holds an FSC certificate
- Monthly basic wage or salary above MUR 200,000
If your employer says a private scheme applies, ask whether the Financial Services Commission certificate is in place. That certificate is what makes the exclusion valid.
The private scheme safeguard
If an employer-sponsored private pension scheme fails to pay your retirement benefit, the employer must pay a lump sum equivalent to 15 days' remuneration per year of service.
That is a real protection, and worth knowing about before you need it.
When you change jobs
This is the moment to check. Confirm that contributions were made up to your termination date, and that your new employer starts contributing.
Because the fund recognises service across employers, a gap at a job change is a gap in your total record.
The SME transition
Between January 2022 and December 2024, small and medium enterprises with annual turnover not exceeding MUR 50 million had a transitional arrangement. If you worked for an SME during that window, the position may differ.
At termination
Contributions due from the employer must be made even where employment is terminated, and where a compromise agreement is reached, PRGF amounts are addressed within it.
Where to ask
Your employer first, then the Ministry of Social Integration and Social Security.