“…Njororai some contributions to a national pension plan come to distressing realization that retirement benefits are not forthcoming due to poor management systems, government mismanagement, or spending (National Research Council 2006). Older adult people in many African countries are a vulnerable population as a result of a lifetime of hardship, poverty, and, in old age, high susceptibility to chronic diseases and more recently the impact of HIV/AIDS pandemic (Nyambedha et al 2003, Zimmer and Dayton 2005, Ssengonzi 2007, Ice et al 2008, UNAIDS 2008a, Kautz et al 2010. For example, they may have lived out a greater part of their lives in hardship and poverty caring for their own unemployed adult children, grandchildren, and/ or other relatives.…”