Nigeria Miserable Treatment of Pensioners

The Nigerian government introduced the pensions reform in 2004, yet the reforms are a joke to those who it's meant for. In Nigeria, the non-contributory pension scheme faces a lot of administrative challenges since its introduction in 1979. The major challenges are: embezzlement of pension funds, and delay in the payment of retirement benefits to retirees and on time. Will the Nigerian worker on retirement receive adequate benefits such as to achieve the goals of the pension reforms?