In emerging and developing nations like Nigeria, where the majority of workers do not have a meaningful retirement plan or earn enough during their working years to cover theirsustain themselves after retirement time- because their take-home income barely covers their living expenses, - retirement concerns are particularly delicate. pressing.

Retirement presents unique problemschallenges for women in the public sector, influenced by both gender-specific and structural variablesfactors. Pay discrepancies, job disruptions brought oncareer interruptions caused by caringcaregiving responsibilities, and restrictedlimited access to financial planning tools are a few examples. WomenAs a result, women are therefore more likely to experience financial uncertainty in their later years, since they often retire with smaller personal savings and lower pension entitlements.

Many women in Nigeria's public sector approach retirement ill-prepared, which is made worsea situation worsened by slowdelayed pension payments and littleminimal institutional support. Even thoughAlthough the number of female retirees is increasing, most research on pension administration in Nigeria is gender-neutral, ignoringoverlooking the distinct experiences that women haveface after retirement.