The crisis in the Nigerian pension scheme can be best appreciated when one has a graphic view of the inhuman and highly degrading conditions pensioners have been subjected to. It is either a case of non-payment of pensions and gratuity, or the creation of undue bottlenecks to frustrate and kill pensioners. They are constantly to go for worthless “identification parades”, and “verification exercises”, tortured in long queues, receive insults from dubious government officials or their servants, etc. The following examples show what the situation is.