Individuals

The act of registering and then paying contributions activates for each worker of The Bahamas entitlement to the promise first made to Bahamian workers on October 7, 1974. That promise was and is that if he pays the required number of contributions, if he pays them in the prescribed manner and timeframe, and if he meets other conditions specific to the various benefits, he is guaranteed a level of income replacement when he needs it. National Insurance is delivering on that promise daily.

All persons engaging in gainful employment in The Bahamas - whether employed on a temporary, probationary, part-time, or permanent basis - are required to register with The National Insurance Board. Registration should be undertaken before, or as soon as possible after commencing work.

Upon registration each individual is assigned a National Insurance number. The National Insurance number is a unique eight (8) digit number that is distinctive, personal, and specifically identifies the individual (the year and quarter of the registrant’s birth; and his/her sex).

Once a number is assigned, the registrant does not have to register again - even if changing jobs, moving to a new island, or changing names.

To Register

For the registration process, a completed application (R4 form) along with specified accompanying documents are required.

  1. Persons registering a minor (ages 0 - 17) for the first time are required to provide: - Birth certificate or a registered/recorded affidavit - Mother’s or father’s passport

    Note: An apostille is required for all birth certificates outside of The Bahamas

  2. Adults applying for a new card or renewing their expired card are required to provide: Passport or Voter’s card along with birth certificate or registered/recorded affidavit.
  3. Non-Bahamians are required to provide: - Spousal Permit, Marriage Certificate, Current Passport, Spouse’s passport or Voter’s card; - Work permit and Current Passport; OR - Permanent Resident Card and Current Passport;
  4. Non-Bahamians Minors (ages 0-17) are required to provide: - Brth certificate or a registered/recorded affidavit - Mother’s or father’s passport; and - Immigration Status Card

Note: An apostille is required for all birth certificates and marriage certificates outside of The Bahamas.

Documents may be submitted:

- By email to registration@nib-bahamas.com

- By renewing expired card online nibonline.nib-bahamas.com or

- In-person by visiting the registration department at any NIB local office

At the time of registration, each eligible applicant is issued an NIB Card. The NIB Card is a government issued identification that features the cardholder’s National Insurance account number, photograph, and signature, if over the age of 16. The Card is required for all persons whenever transacting business with NIB.

Card Renewal

Renewal is not required for children 0-15 years old.

Renewal is required for:

  • Minors turning 16 years old whose cards are required to have a photograph and signature affixed.
  • Persons ages 16 to 59 years old whose cards have expired.
  • Seniors turning 60 years old who are now eligible for the NIB senior card.

Replacement is required for:

  • Persons who have lost, damaged or had their cards stolen.

Lost or Stolen Cards: In order to replace a lost, or stolen card, an official police report along with the Form R4, passport or voter’s card is required. There is a fee of $10.00 to replace all lost or stolen cards. The $10.00 fee is waived for the first lost or stolen cards for seniors.

EzRenew Card Application


EzRenew FAQs

Contributions are to be deducted from the employed person’s wages before they are paid. Deductions are payable from the very first salary payment - even if the worker is serving out a “probationary period”. Contributions not deducted at the time they were due, cannot be reclaimed from employees’ future earnings. The employer is solely responsible for payment of arrears. Click here to read more.

It is important that every person who works in the Bahamas pay contribution through deductions via their Employer or if Self Employed, by direct contribution payments to the National Insurance Board (NIB).  Contributions are required for each “contribution week” – a period of seven days, from Monday to Sunday.  Payments are based on the wages earned during the week, up to the insurable ceiling - $740 (as of July 1st, 2022). Contributions are to be paid monthly, and should be received into the Board by the 15th day of the month following the month for which contributions were payable.  Interest will be attached to contributions paid late and partially paid contributions. Click here to read more.
The RSS portal allows registrants to access their accounts to view their personal information, address, contact, contribution history and verify if in receipt of the retirement pension.


Contribution Statement

Workers can keep track of their contribution status by accessing their contribution records via the Contribution History link.  A summary or detailed history statement can be downloaded or printed.  
If any of the information is incorrect or if there are gaps in ones contributions history, an email may be sent to contributions@nib-bahamas.com.  

Retiree Verification Statement

Retirees in receipt of the retirement pension can verify once in a 12 month period via the RSS portal, by clicking on the Retiree Verification link and completing  the online form.  Verification via the RSS portal is available once per year, the next verification will require the pensioner to complete the B.75a or B.75b form; have it certified by a sanctioned authority.  Forms can be emailed to verification@nib-bahamas.com or placed in the drop box at any NIB local office.