Opinion

Away With Contributory Pension In Rivers State

Published

2 years ago

August 12, 2024

To say the Contributory Pension Scheme (CPS) leaves much to be desired by public servants in Rivers State, is a mild expression of an exceedingly ugly situation. Retirees under the Contributory Pension Act are suffering because they are denied several years of benefits following non contribution of counterpart fund by employers for the period preceding the implementation of the amended 2014 Act. In 2004, retirees were compulsorily asked to join Annuity operated by Insurance company or programmed withdrawal under the Contributory Pension Scheme operated by Pension Fund Administrators under the control of PENCOM. By virtue of 2014 amended Act, the ugly narrative of retirees has not changed.
The obnoxious Contributory Pension Scheme denies retirees having greater share of lump sum after retirement and dispenses a paltry monthly pension to retirees across board under this scheme. Mr John Paago (not his real names) served the Federal Government of Nigeria from July 15, 1981 and retired in July 15, 2016 on salary Grade Level 14, having worked for a mandatory period of 35 years and attained the maximum age of 60 years. For all the years he put in, the total balance standing to his credit was N6,745,823.34. Of this amount, he was paid a meagre 25 per cent which amounted to N1,686,455.84 while the balance of 75 per cent was retained by his Pension Fund Administrators for their investment in capital market and other large institutions with high returns which is never added to retirees paltry monthly pension payment while still alive. Paago receives N26,703.15 every month as Pension since 2016 till now despite the huge profits declared every year under Contributory Pension Scheme. No doubt, the monthly pension given to Mr Paago cannot buy a loaf of bread at the price of N1000 currently per day for 30 days.
Unfortunately, every day prices of goods and services are on the increase unprecedentedly, while workers and retirees under the old scheme – Defined Benefit Scheme had their salaries and pension increased across all levels, the Contributory Pension Scheme retirees are abandoned to their fate. It is pertinent to say that retirees under the Contributory Pension Scheme face the same adverse socio-economic challenges like their counterparts under the Defined Benefit Scheme Though the Contributory Pension Scheme was designed to remedy the alleged deficiencies and inadequate funding of the Defined Benefit Scheme, (DBS) by pooling funds from employers and employees’ contributions to Pension Funds Custodians, retirees under the Scheme, have not fared better than those who retired under the DBS. Conversely, the implementation of the Contributory Pension is a far cry from what its proponents lulled employees to believe. Complaints ranging from under payment of retirees under the Scheme, despite several years of service (some of whom served 35 mandatory years), corruption, non compliance of State governments and other employers to provisions of the Reform Act, 2014, characterise implementation of the Scheme, which Labour leaders in the country describe as anti-workers and retirees welfare.
Dissatisfied with the Scheme, the Association of Senior Civil Servants of Nigeria appealed to the Federal Government to scrap the scheme, describing it as a “huge fraud”. The Present Contributory Pension Policy of the Federal Government should be scrapped. We discovered lately that the pension policy is a fraud on workers”, posited Yusuf Emmanuel, Chairman-General, Ministry of Defence Unit 2, Lagos outstations. In the same vein, the River State Chairman of Nigeria’s Mother Labour Unions – Nigerian Civil Service Union also appealed to the Rivers State Governor, Sir Siminalayi Fubara to “outrightly repeal” the Contributory Pension Scheme in Rivers State, because “It is not in the interest of Civil Servants”. Comrade Chuks Osummah, the Rivers State Chairman of the Nigeria Civil Service Union, who made the appeal at the event to mark the Union’s 111 years of existence in Nigeria, expressed worry over the fate of workers who will retire under the Contributory Pension Scheme.
“We are calling on the Executive Governor of Rivers State to abolish the Contributory Pension Act as it is not in the interest of Rivers State Civil Servants”, a worried Osummah said. The fears of public/civil servants are not unfounded because though over 25 States of the Federation have adopted the Scheme in principle by enacting relevant legislation, only six States of the Federation and the Federal Capital Territory — Abuja, have fully complied with the provisions of the extant laws on the Pension Reform Act. Full compliance and implementation of the Scheme has remained an uphill task denting the integrity of the scheme and its purported benefits for workers in the public, private and informal sectors the scheme was designed to cover. It is also evident that while some State governments deduct and remit workers’ contribution, the states have failed to contribute their counterpart fund to the scheme; this violates provision of Contributors’ right as enshrined in Section 4(1) the Pension Reform Act 2014. The Section provides that as an employee’s right, the employer shall contribute a minimum of 10 percent of the employee’s monthly emolument to his/her Pension Fund Administrator. The employer will also deduct at source a minimum of eight percent of the worker’s emoluments and pay to their Fund Administrator.
By the deficiency of State governments and other employers to make their counterpart contributions, the scheme cannot guarantee security for the welfare of the workers on retirement. The fate of employees, especially those working before the enactment and implementation, seems to hang on the balance; an aura and premonition of uncertainty on the seamless disbursement of what is legitimately their entitlement remains a puzzle, since they are likely to lose financial benefits for all the years they have served before the implementation of the Act in the State. The Scheme is intended to enable employees “Seamlessly transfer their accumulated funds when changing jobs, ensuring continuous growth and uninterrupted savings accumulator.” This mobility is aimed at empowering workers to “Pursue new opportunities without sacrificing their retirement security”.
The Contributory Pension Scheme (CPS) covers: Public Servants working for the Federal Government of Nigeria, the Federal Capital Territory (FCT), each of the 36 States of the Federation, all the local government councils in Nigeria, employees in Private Sector organisations where there are three or more employees, and those in the informal sector which covers any economic activity or source of income that is not fully regulated by the government and other public authorities. But the Contributory Pension Scheme which is supposed to improve on the old defined benefit scheme is fraught with several hydra-headed and multi-dimensional problems that negate the welfare of workers and retirees. It is sound to argue that since the Pension Reforms Act was enacted in 2014, it should have excluded workers already employed in the Public Sector before 2014, when the law was enacted.
The effective date should not have been retrospective, or backdated because the effective date of implementation can shortchange workers employed before 2014. Workers still in active service should rise against the retrogressive scheme’s servitude . The Rivers State Government under the humane, compassionate and empathetic Governor Siminalayi Fubara should abrogate the Contributory Pension Act as applicable in Rivers State or defer the effective date of implementation to affect only workers who were employed into the Public Service after 2014. Those employed before 2014 should remain under the Defined Benefit Scheme. If the Contributory Pension Scheme was not without flaws, Former President Muhammadu Buhari would not have assented to National Assembly Workers Pension Scheme few days before he left office, thus removed National Assembly Workers from the Contributory Pension Scheme. Governor Siminalayi Fubara can do same for public servants in Rivers State.

By: Igbiki Benibo

Opinion

Beyond Physical Intimacy In Relationship

Published

2 days ago

June 17, 2026

The Tide

Quote:”Love is not sustained by sharing the same bed or displaying affection in public; it is preserved by the daily investment of trust, understanding, empathy, and meaningful conversations. Two people can be physically close yet emotionally distant, because lasting relationships are built not merely on intimacy, but on the consistent nurturing of hearts that remain genuinely connected.”

In an age where relationships are often measured by appearances, social media posts, and outward displays of affection, many couples are discovering a painful truth: physical closeness does not always translate into emotional connection. Two people can share the same bed, hold hands in public, and even maintain a seemingly happy home, yet remain strangers to each other’s deepest thoughts, fears, dreams, and struggles. This reality is captured in the thought-provoking message that emotional intimacy goes far beyond physical intimacy. While physical attraction may ignite a relationship, emotional connection is what sustains it. When emotional bonds weaken, relationships begin to suffer quietly, often long before any visible signs of trouble emerge.

One of the greatest misconceptions about love is the belief that affection alone is enough to keep a relationship healthy. In reality, genuine love requires much more than romantic gestures and physical presence. It requires understanding, communication, trust, empathy, and the willingness to be vulnerable with one another. Without these elements, couples may coexist rather than truly connect. Many relationships today are experiencing a silent crisis. Couples are spending more time together physically but less time engaging meaningfully. Busy schedules, work pressures, financial challenges, digital distractions, and personal ambitions have reduced many conversations to routine exchanges about bills, children, responsibilities, and daily survival. The deeper conversations that nurture emotional intimacy are gradually disappearing.

As a result, many partners feel unseen, unheard, and misunderstood. They may be present in the relationship physically, but emotionally they feel isolated. This emotional distance often creates frustration, resentment, and loneliness. Ironically, a person can feel more alone in a relationship lacking emotional connection than when they are physically alone. The danger of emotional disconnection is that it rarely announces itself loudly. Unlike dramatic conflicts or public scandals, it develops gradually. It starts when couples stop sharing their feelings openly. It grows when assumptions replace communication. It deepens when one partner feels consistently ignored, dismissed, or taken for granted. Over time, the relationship loses its warmth and vitality.This explains why some marriages and relationships that appear perfect from the outside eventually collapse unexpectedly.

Observers are often shocked because they only saw the physical togetherness, not the emotional distance that had been growing for years beneath the surface. Relationships do not usually break down overnight; they deteriorate through the accumulation of unresolved emotional gaps. Building emotional intimacy, therefore, requires deliberate effort. It is not a one-time achievement but a daily commitment. Emotional connection is built through consistent acts of attention, kindness, and understanding. It develops when partners genuinely listen to each other without judgment. It grows when people feel safe enough to express their fears, disappointments, and aspirations without fear of criticism or rejection. Trust plays a crucial role in this process. Emotional intimacy flourishes in an environment where honesty is valued and confidentiality is respected. When trust is broken, emotional walls quickly rise.

Rebuilding those walls requires patience, sincerity, and a willingness to heal together. Another important ingredient is empathy. Every individual wants to feel understood. Sometimes partners do not necessarily need solutions to their problems; they simply need someone who listens and acknowledges their feelings. A relationship becomes stronger when both individuals strive to understand each other’s perspectives rather than merely defend their own positions. Quality time is equally important. In a world dominated by smartphones and endless digital distractions, couples must intentionally create moments of genuine interaction. Simple activities such as sharing a meal, taking a walk, discussing personal goals, or praying together can strengthen emotional bonds significantly.

These moments communicate an important message: “You matter to me.” Respect also forms the foundation of emotional closeness. Partners who consistently speak respectfully to each other, even during disagreements, create a healthier environment for intimacy to thrive. Emotional connection cannot flourish where there is constant criticism, ridicule, or contempt. Perhaps the most important lesson is that emotional intimacy is not built by grand gestures alone. It is cultivated through small, consistent actions repeated over time. A thoughtful conversation, a sincere apology, a word of encouragement, or a genuine expression of appreciation can have a profound impact on the health of a relationship. Ultimately, the strength of any relationship lies not merely in physical proximity but in emotional accessibility. The question is not whether two people occupy the same space, but whether they truly know and understand each other.

Lasting love is sustained when hearts remain connected even amid life’s challenges. As society continues to grapple with increasing relationship difficulties, couples must remember that emotional intimacy is not optional; it is essential. Physical attraction may bring people together, but emotional connection keeps them together. It is built daily through communication, trust, empathy, respect, and intentional effort. When emotional intimacy is nurtured, relationships become more resilient, fulfilling, and meaningful. And when two hearts remain genuinely connected, love does not merely survive—it flourishes

By: Sylvia ThankGod-Amadi

Opinion

Yahoo Culture And Nigeria’s Moral Fabric

Published

2 days ago

June 17, 2026

The Tide

Quote “A society that celebrates wealth without questioning its source gradually breeds a generation that despises hard work, glorifies fraud, and ultimately destroys itself from within.”

Nigeria’s battle against insecurity is not limited to terrorism. Another destructive force—popularly known as “Yahoo”—has steadily eaten into the nation’s moral and social fabric. Internet fraud, which has become synonymous with “Yahoo” in local parlance, poses a grave threat to Nigeria’s image, economy, and future. The activities of internet fraudsters have tarnished the country’s reputation globally. As a result, many law-abiding Nigerians abroad or seeking legitimate opportunities overseas often face suspicion and discrimination because of the notoriety created by these criminal elements. Originally, Yahoo was merely the name of an internet search engine created in 1994 by Stanford graduates Jerry Yang and David Filo. In Nigeria, however, the term has evolved into a culture driven by greed and materialism. It has become a disturbing subculture with its own language and values.

Expressions such as “mugu fall, guy man chop” celebrate the exploitation of unsuspecting victims, portraying fraud as intelligence and deceit as success. Yahoo boys are notorious for flaunting their ill-gotten wealth. They parade expensive cars, spend lavishly, and often display arrogance towards elders and society. Their extravagant lifestyle has even been blamed for rising rents and increased cost of living in cities such as Port Harcourt. Following crackdowns in Delta and Edo states, there have been concerns over the growing presence of these elements in Rivers State. What is particularly disturbing is that many of these young men and women, some as young as teenagers, have no legitimate source of income yet live in luxury. Their actions have ruined businesses, impoverished victims, and in some cases pushed people into depression, heart attacks, and suicide.

Yet, they continue to operate openly with frightening confidence. The prevalence of Yahoo culture reflects the deep moral decay in society. Sadly, some families not only tolerate the illicit activities of their children but celebrate and pray for their success. Anyone who condemns the practice often becomes the target of abuse and ridicule. A Port Harcourt-based pastor once experienced fierce backlash from Yahoo sympathisers after speaking against the menace. Nigeria’s permissive environment has unintentionally allowed the practice to flourish. Weak institutions, compromised law enforcement, and families unwilling to question the source of sudden wealth among unemployed youths have all contributed to the problem. The virtues of patience, diligence, and integrity are steadily being replaced by greed and a desperate desire for quick riches.

Perhaps one of the greatest casualties of Yahoo culture is education. The value of years of hard work and academic excellence has been diminished. Many young people now dismiss formal education as a scam, while apprenticeship and vocational training are increasingly looked down upon. The obsession with easy money has encouraged school dropout rates and undermined the culture of honest enterprise. An even more disturbing dimension is the emergence of what many describe as “Yahoo Phase II”—a phenomenon associated with ritual practices and occult beliefs. Although stories surrounding these practices are often difficult to verify, reports of ritual killings, organ harvesting, and other horrific crimes have heightened public fears. Young people seeking wealth at all costs are said to subject themselves to bizarre and inhumane instructions from self-styled spiritualists, resulting in unimaginable tragedies.

Regardless of the myths and realities surrounding these claims, one fact remains undeniable: the pursuit of wealth without values has devastating consequences. Society is increasingly witnessing cases of substance abuse, mental instability, and mysterious deaths among youths whose lives are built on criminality and desperation. Nigeria cannot afford to remain indifferent while a generation is consumed by greed and moral bankruptcy. Combating Yahoo culture requires more than arrests and prosecutions. Families must instill values of honesty and hard work. Religious leaders, educators, and community leaders must consistently promote integrity. Government institutions must strengthen the rule of law and ensure that crime does not pay. Above all, society must stop celebrating wealth without questioning its source. No nation can attain sustainable development when fraud is admired, hard work is ridiculed, and criminality is rewarded.

The future of Nigeria depends on raising a generation that values character above riches and integrity above material possessions. If this dangerous culture is left unchecked, the consequences will be severe. But if the nation collectively chooses the path of morality, accountability, and industry, there remains hope that the tide can be reversed and the country’s dignity restored.

By; Confidence Adoo

Opinion

Good Health Through Socrates’ Prescription

Published

2 weeks ago

June 8, 2026

The Tide

Quote: “In an age of advanced medicine and endless health information, the greatest prescription may still be the oldest one: know yourself. True health begins when we understand our bodies, emotions, habits and choices.”

The 21st century has ushered in extraordinary progress in science, technology and medicine. Diseases that once claimed millions of lives can now be prevented or treated. Information is available instantly, while fitness applications, health trackers and modern healthcare facilities have become part of everyday life. Yet, despite these advances, many people continue to struggle with physical illnesses, emotional stress, anxiety, depression and lifestyle-related diseases. This contradiction raises an important question: Why are people becoming increasingly unhealthy in an age of remarkable medical advancement? Part of the answer may lie in the timeless wisdom associated with the ancient Greek philosopher Socrates: “Know thyself.” Though spoken more than two thousand years ago, these words remain profoundly relevant today. They remind us that genuine wellbeing begins with self-understanding.

Knowing oneself goes beyond knowing one’s name, occupation or social status. It involves understanding one’s body, emotions, habits, strengths, weaknesses and aspirations. It means recognizing how daily choices affect physical, mental and emotional health. In many respects, self-knowledge forms the foundation of healthy living. One of the greatest health challenges today is the tendency to ignore warning signs until serious problems emerge. Many people neglect symptoms such as persistent fatigue, poor sleep, chronic stress, unhealthy eating habits and lack of physical activity. Because they are disconnected from their bodies, they fail to recognize that their health is gradually deteriorating. A person who truly knows himself pays attention to these signals. Such an individual understands which foods nourish the body and which habits undermine health. They recognize when rest is necessary,

when stress levels become dangerous and when professional medical attention should be sought. Self-awareness encourages preventive action long before illness develops. The same principle applies to mental and emotional health. Modern life is filled with pressures. Social media often encourages unhealthy comparisons, while economic challenges, family responsibilities and workplace demands create enormous psychological burdens. Many people suffer silently because they have not learned to understand or manage their emotions. Knowing oneself means recognizing emotional triggers, vulnerabilities and sources of stress. It involves identifying feelings of anxiety, sadness, anger or frustration before they become overwhelming. Self-aware individuals are more likely to seek support, adopt healthy coping mechanisms and maintain emotional balance.

Self-knowledge also promotes discipline. Many of today’s health problems are linked to lifestyle choices. Excessive consumption of processed foods, alcohol abuse, smoking, substance misuse, physical inactivity and poor sleeping habits contribute significantly to disease burdens around the world. Most people are aware of these risks. The challenge is often not a lack of information but a lack of self-understanding. Individuals who understand their motivations, weaknesses and tendencies are better equipped to resist harmful habits and develop healthier routines. In this way, self-knowledge becomes a powerful tool for self-control. Socrates also taught that “the unexamined life is not worth living.” While philosophical in origin, this statement has practical implications for health. Examining one’s life encourages honest reflection. Are we eating wisely? Are we exercising enough?

Are we sleeping adequately? Are we managing stress effectively? Are we maintaining healthy relationships? These are not merely philosophical questions. They are essential components of a healthy lifestyle. Honest answers can reveal habits that require improvement and inspire positive change. Ironically, while technology has made health information more accessible, it has also made self-understanding more difficult. Many people spend hours following social media trends and public personalities while paying little attention to their own health. They know more about celebrities than they know about their blood pressure, sleep quality or emotional wellbeing. A healthier society will require more than modern hospitals and advanced medications. It will require citizens who actively seek to understand themselves. Preventive healthcare begins with personal awareness.

Parents, educators, religious leaders, healthcare professionals and policymakers all have important roles to play in promoting self-awareness. Young people should be taught not only academic subjects but also emotional intelligence, self-reflection, healthy lifestyle habits and personal responsibility. Ultimately, Socrates’ ancient wisdom remains as relevant today as it was centuries ago. A person who understands himself is more likely to make healthy decisions, maintain emotional stability, build resilience and seek help when necessary. The journey to good health does not begin in a hospital, pharmacy or gymnasium. It begins within. As the world continues to confront complex health challenges, perhaps the most powerful prescription requires no expensive technology or medication. It is the enduring wisdom that has stood the test of time: know yourself. In understanding ourselves, we discover one of the surest paths to healthier, happier and more meaningful lives.

By: Sylvia ThankGod-Amadi