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Q: If you have to stop working because you need to return to school, what happens to your contribution?

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A: All contributions that you have made towards your pension remain there for you until you retire. If you ever have to return to work after school, you simply continue contributing to the Scheme and it is added to you to what you had contributed earlier. Ensure that you use the same SSNIT number to make all your contributions so you can have easy access to it when you retire.