Pensions are fundamentally methods of addressing and managing the risks of aging. However, in terms of coverage, the acknowledged difference between the formal and informal sector workers in developing countries has led to the assumption that people in the formal sector do not have to worry about pension. Against this background, this thesis investigates the extent to which pension ensures adequate income for retired women civil servants in Nigeria. Understanding these women‘s retirement experiences necessitated an approach that incorporated gendered life course and gendered political economy. Central to a life course approach is the notion that it is difficult to divorce pension and retirement outcomes from the life course experiences that precede them. A gendered political economy approach allows for the de-bunking of the unitary household model and enables the adaptation of Razavi‘s ―care diamond‖ with a focus on retirees‘ financial support for dependants. By using interviews and questionnaires, this thesis analyses the links between and comparisons across pension schemes, educational levels, retirement age, pension entitlements, adequacy and supplements. Cross tabulation is used as a lead to identifying and pursuing potential patterns in dataset and digging deep into the factors that impact women‘s pension adequacy.\ud
Despite the limitations of the study, it is apparent that in the context of normative expectations of extended family structure, linked lives, high rate of un/under employment of dependants and limited (and high cost of ) access to social provisioning, pension is and will always be inadequate. This then forces formal sector women retirees into the informal sector to supplement their pension income. Findings of the study clearly demonstrate that the sustainable provision of formal sector pensions should not be the end of policy concerns about wellbeing in later life; but the start of a much wider focus on social provision and social relations in later life. This study‘s findings have implications for the pension, ageing and social protection policies in Nigeria, which are applicable to the wider sub Saharan African. The implications of this study for assessing pension adequacy also extend beyond Nigeria