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Know Your Rights: National Pensions Act

Updated: Jan 17, 2023

As you may be aware, the National Pensions (Amendment) Act 2016 passed in the Legislative Assembly and has now been published in the Gazette. Specific aspects of this Amendment as indicated by the National Pensions (Amendment) Act, 2016 (Commencement) Order 2016 are in force. Please refer to for further information.

Please note the National Pensions Act (2012) remains in effect and employers, employees, as well as pension plan administrators and members are expected to comply with those requirements in addition to those sections of the National Pension (Amendment) Act 2016 that are in force.

  • Every employee in the Cayman Islands must have a pension provided by their employer

  • It is worth noting that Caymanians who are aged under 23 and who are in full time education are excluded from the definition of an employee.

  • The self-employed, those working part-time, casual workers, probationary staff and people on short-term contracts are included

  • If someone has more than one employer then each employer must pay into the employee’s pension plan

  • Expatriates who have been in continuous employment for more than nine months must have a pension plan

  • The only people excluded are employees who are non-Caymanian or non-Permanent Residency that are employed as a “household domestic” (e.g. maid or gardener) in a private residence.

  • Employees and employers must contribute a total of 10% of the employees’ earnings to a pension plan

You can also visit and download the file below for more information about pension laws in the Cayman Islands.

Download • 330KB


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