Citizens or Permanent Residents of Brunei Darussalam

Between the age of 18 to 60 years old

Does not receive any pension from service with the Government

Working in Public or Private Sector

What is the contribution rate?

Mandatory rate prescribed by the SCP Trust Order is 3.5% of Employee's salary and 3.5% from Employer.

SCP contribution has to be rounded up to two decimal points.

1/7 of the total SCP contribution will be put aside into the Survivorship Protection Fund. The remaining will be put into member’s SCP Account.

SCP Benefit

Monthly payment benefits (annuity)

Members will receive a monthly payment depending on the amount of the savings upon attaining the age of 60 years for a period of 20 years. 

If the member has fulfilled the requirement of contributing 7% per month continuously for a period of 420 months (35 years), the minimum payable amount is B$150.00 per month.

For a member who has attained the age of 60 years old and fulfilled all the requirements of contributing 7% for 420 months but does not have an adequate savings to enable the payment of the minimum amount of B$150.00, His Majesty's Government will top-up this shortfall so as to ensure that the withdrawal of the minimum amount of B$150.00 per month can be made.

Survivorship Benefit

Survivorship Benefit is a monthly payment made to the dependent (widow and children under 21 years old) of a member at an amount of B$400.00 per month if a member dies before attaining the age of 60 years old.

Eligibility for Survivorship Benefit

A member dies before attaining the age of 60 years old and has made a continuous contribution until the month immediately preceding the month in which he died. The period of payment is 15 years with effect from the date the member died.

Where a widow dies or re-marries, the balance of the survivorship benefit shall be paid to her children who are below the age of 21 years old.

Not eligible

If a member's widow died or re-married or if a member's children died or married (even before attaining the age of 21 years old) or the children have attained the age of 21 years old before the expiry of 15 years period, the balance of such Survivorship Benefit shall be distributed to the deceased member's beneficiaries in accordance to hukum syara'. If the deceased member was a non Muslim, the distribution shall be made in accordance to the deceased member's will or in accordance to intestate succession. 

Such changes in the status of the beneficiaries should be informed to TAP as soon as possible.

Derivative SCP benefit

Where a member dies, the balance in his SCP account will be paid lump-sum to the eligible beneficiaries as stated in a letter obtained from the Probate office.