How to Verify Your SHA Contributions Are Being Made
KKeryl Kelonye
•
Oct 30
•
Your payslip shows SHIF deduction. But is that money actually reaching SHA?
Some employees have discovered their employers weren't remitting contributions — leaving them without coverage when they needed it.
Here's how to verify your contributions are actually being made.
Table of Contents
- Why Verification Matters
- How to Check Your Contributions
- What to Compare
- Warning Signs
- What to Do If Contributions Are Missing
- Employer Remittance Process
- For Self-Employed Contributors
- Building Good Habits
- Legal Protection
- The Bottom Line
- Next Steps
Why Verification Matters
The Risk
| What Could Go Wrong | Consequence |
|---|---|
| Employer deducts but doesn't remit | You're not covered |
| System errors | Contributions not recorded |
| Wrong account number | Money goes elsewhere |
| Delayed remittance | Coverage gap |
Real Scenarios
- Employee goes to hospital, told they're "inactive"
- Payslip shows deductions for 2 years, SHA shows nothing
- Emergency denied, family pays out of pocket
- Later discovers employer was pocketing contributions
Don't assume. Verify.
How to Check Your Contributions
Method 1: SHA Super App
- Download SHA Super App
- Login with your credentials
- Navigate to "Contributions" or "Payments"
- View contribution history
- Check dates and amounts
What to Look For
| Item | What It Should Show |
|---|---|
| Monthly contributions | Each month's payment |
| Payment dates | When money was received |
| Amounts | Matching your payslip deductions |
| Status | Contributions credited |
Method 2: SHA Website/Portal
- Visit official SHA portal
- Login
- Access contribution records
- Download statement if available
Method 3: SHA Customer Service
- Call SHA helpline
- Provide your ID number
- Request contribution status
- Ask for specific months if needed
Method 4: Employer HR
- Request proof of remittance
- Ask for payment receipts
- Verify employer's remittance schedule
- Compare to your payslip deductions
What to Compare
Your Payslip Shows
| Item | Your Payslip |
|---|---|
| Month | ___ |
| SHIF deduction | KES ___ |
| Your ID number | ___ |
SHA Should Show
| Item | SHA Record |
|---|---|
| Same month | ___ |
| Same amount | KES ___ |
| Your ID matched | ___ |
| Status | Credited |
Example Comparison
| Month | Payslip Deduction | SHA Record | Match? |
|---|---|---|---|
| January | KES 2,750 | KES 2,750 | ✓ |
| February | KES 2,750 | KES 2,750 | ✓ |
| March | KES 2,750 | Not found | ✗ |
| April | KES 2,750 | KES 2,750 | ✓ |
March is missing. Investigate.
Warning Signs
On Your Statement
| Warning Sign | What It Means |
|---|---|
| Gaps in payments | Months missing |
| Lower amounts than deducted | Partial remittance |
| No records at all | Nothing remitted |
| Wrong amounts | Errors or manipulation |
In SHA Status
| Warning Sign | What It Means |
|---|---|
| Status "Inactive" | Contributions not current |
| Coverage gaps | Periods without payment |
| "No records found" | You're not in system |
What to Do If Contributions Are Missing
Step 1: Document Everything
| Document | Purpose |
|---|---|
| Payslips (all months) | Proof of deductions |
| SHA statement | What they received |
| Employment contract | Shows contribution obligation |
| Bank statements | If you pay directly |
Step 2: Talk to Employer HR
| Ask | Why |
|---|---|
| Were contributions remitted? | Confirm their records |
| Can you show proof of payment? | Get receipts |
| If not remitted, why? | Understand the problem |
| When will it be corrected? | Timeline for fix |
Step 3: Escalate If Needed
If employer doesn't resolve:
To Senior Management
- Formal letter requesting resolution
- Copy to your personal records
- Set deadline for response
To Labor Office
- If employer refuses to act
- Non-remittance is a legal violation
- Labor office can intervene
To SHA
- Report the issue
- File formal complaint
- Request guidance
Step 4: Protect Yourself
| Action | Why |
|---|---|
| Keep all documentation | Evidence |
| Send written communications | Paper trail |
| Consider legal advice | If large amounts involved |
| Look for new employment | If employer is unreliable |
Employer Remittance Process
How It Should Work
| Step | What Happens |
|---|---|
| 1 | Employer deducts SHIF from your salary |
| 2 | Employer pools deductions for all employees |
| 3 | Employer remits to SHA by deadline |
| 4 | SHA credits individual accounts |
| 5 | You appear as "active" member |
Remittance Timeline
| Deadline | Details |
|---|---|
| By 9th of following month | Employer should remit |
| Example: January salary | Remit by 9th February |
| Late remittance | Penalties apply to employer |
What Can Go Wrong
| Problem | Cause |
|---|---|
| Deliberate non-remittance | Employer keeps money |
| Cash flow issues | Employer can't pay |
| Administrative errors | Wrong amounts, wrong accounts |
| System issues | Technical problems |
For Self-Employed Contributors
Verify Your Own Payments
| Method | How |
|---|---|
| M-Pesa confirmation | Save SMS confirmations |
| Bank statements | If paying via bank |
| SHA app | Check credits |
| Payment receipts | Keep all records |
What to Check
| After Each Payment | Verify |
|---|---|
| Confirmation received | Got SMS/email |
| Correct amount | Matches intended payment |
| Credited to account | Shows in SHA system |
| Status updated | Still "active" |
Building Good Habits
Monthly Check
| Action | When |
|---|---|
| Check SHA app | After salary date |
| Verify contribution recorded | Within 2 weeks of payment |
| Compare to payslip | Same amount credited |
| Note any discrepancies | Investigate immediately |
Quarterly Review
| Action | Why |
|---|---|
| Download contribution statement | Full record |
| Compare all months | Catch any gaps |
| File with important documents | Records keeping |
Annual Audit
| Action | Why |
|---|---|
| Total all payslip deductions | Know what you paid |
| Total all SHA contributions | Know what was received |
| Match totals | Should be equal |
| Investigate differences | Resolve issues |
Legal Protection
Your Rights
| Right | Details |
|---|---|
| Employer must remit | Legal obligation |
| You can verify | Access to your records |
| Complaint mechanisms | Can report violations |
| Legal recourse | Can pursue if needed |
Employer Violations
Non-remittance of deducted contributions is:
- A violation of employment law
- Potentially criminal (fraud)
- Reportable to labor authorities
- Grounds for legal action
The Bottom Line
| Do This | Not This |
|---|---|
| Verify contributions monthly | Assume they're being made |
| Keep your own records | Rely only on employer |
| Act on discrepancies | Ignore missing payments |
| Document everything | Have no proof |
Your health coverage depends on contributions being received by SHA. Trust, but verify.
Next Steps
- Download SHA app (if you haven't)
- Check your contribution history
- Compare to your payslips
- Investigate any discrepancies
- Set up monthly verification habit
- Read: SHA Benefits Guide
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