Kenyans contributing to the National Social Security Fund (NSSF) can access their retirement savings before the age of 50 under two specific circumstances, as revealed by retirement benefits expert Wilson Malaba.

• Individuals permanently migrating to another country are eligible to withdraw 100% of their NSSF savings.
• Permanent invalidity, confirmed by medical evidence, also allows for early access to funds.
• The expert clarified that married couples contributing to NSSF are treated as separate members, though consolidation may be possible with consent.