Now Refunding
from: 2017
Contribution Refunds for 2017 and earlier are available starting January 1, 2025. Submit your application online anytime throughout the year.
Contributions Refund
Contributors are entitled to receive a "Regular" Contributions Refund in the 8th year after the contribution was made. This means if you had contributed to the NHT in 2017 you may now apply for a refund of those contributions and for any contributions made prior to that year, for which you had not received a refund.
In other cases, a “Special” Contribution Refund application will be required.
Types of contributions refund
Regular Refunds
An application for a regular Contributions Refund may be submitted 8 years after the contributions were made. They are part of the standard refund process and do not require any special application. A regular Contributions Refund will only be paid to the name of the Contributor. If your name has been changed you will need to provide proof of the change of name.
Persons that can apply are:
- Employees
- Self-Employed contributors
- Voluntary Contributors
Types of contributions refund
Special Refunds
A Special Contributions Refund does not include amounts already claimed as regular Contributions Refunds, or any amounts already credited to the Contributor's loan account.
Special Contributions are granted to the following persons:
- Retirees
- Invalidity Pensioners
- Migrating Expatriates
- Agents of Deceased Contributors
Refund Tips
Get Your Refund - Easy as 1-2-3
1. Correct Spelling
Ensure your name is correctly spelled and that the spelling is the same on the account you are sending the funds to.
2. Correct Account Details
Ensure you select the right account type whether savings, checking or cashcard/prepaid.
3. Save Your Reference Number
Keep your reference number close so you can track your application.
How To Apply
Apply for your Contributions Refund via NHT Online, our online application form or our mobile app available in the Google Play and Apple App Stores.
To apply, you will need:
- NIS (National Insurance Scheme) Number
- TRN (Tax Registration Number)
- Valid ID (Driver’s Licence, Passport, Voter’s ID)
- The registered names of the companies with which you have worked and the years when you worked at each company.*
Already applied for your refund?
Check on your refund status using the application reference number that was provided after submitting your application.
Payment Institutions
If you choose to receive your refund through a financial partner; please ensure that you enter the correct bank account number and branch (the branch where the account was opened). Also, ensure that your bank account is not dormant and that the name on the account matches the name in your application.
Contribution Refunds can be sent to any of the following institutions:
- National Commercial Bank
- Bank of Nova Scotia
- Sagicor Bank Jamaica Limited
- JN Bank
- First Global Bank
- First Caribbean Bank or First Global Bank
- JMMB Bank
- NCB Prepaid Keycard Cash*
- JMMB Money Transfer*
- JN Money Transfer Services (JNMTS)*
- Victoria Mutual Money Transfer Services (VMMTS)*
* Fees Apply
As your refund becomes due, it is credited to your mortgage
You can get back your total contributions if you fall in any of the following categories Retirees Invalidity Pensioners Expatriates who are leaving the island Agents/Nominees of deceased contributors This is called Special Contributions Refund (According to Section 22 of the NHT Act).
A contributor who has already received contributions refund from the NHT remains eligible for a loan benefit, once contributions payments are current.
