Join CINSF and provide your employees with a secure retirement savings future. Simple registration, comprehensive support, and flexible contribution options.
Employers in the Cook Islands must register with CINSF and contribute for all eligible employees. Contributions are compulsory under the CINSF Act 2000 and help build employee retirement savings.
Employers must ensure employees are registered, details are kept up to date, and contributions are submitted correctly.
Provide employees with structured retirement savings
Meet mandatory legal obligations under the Act
Access employer system to manage contributions and records
Support available from CINSF for compliance and queries
Follow these four simple steps to register your business with CINSF and begin providing retirement benefits to your employees
Download and complete the Employer Registration Form with business details.
Provide required business registration and identification documents
Ensure all eligible employees complete membership forms and are enrolled.
Begin submitting contributions once registration is complete.
When registering employees with CINSF, you’ll need to collect the following information and documentation from each employee to complete their enrollment
Foreign nationals working in the Cook Islands on valid work permits are eligible to participate in CINSF. Additional documentation and specific procedures apply.
Foreign employees working in the Cook Islands on valid work permits are eligible to join CINSF. Employment must be under a Cook Islands registered employer with a minimum contract period of 12 months.
Must hold valid work authorisation to work in the Cook Islands (visa or permit required under immigration law)
Membership with CINSF is compulsory for eligible employees working in the Cook Islands.
Foreign employees must provide additional documentation to verify their identity and work authorization in the Cook Islands. All documents must be certified copies.
Foreign employees must provide identification and required documentation as part of both immigration and CINSF registration processes.
The registration process for foreign employees follows the same procedure as local employees, with additional verification steps for work authorization and documentation.
Complete standard employee enrollment form
Submit certified copies of passport and work permit
Provide proof of address in Cook Islands
Nominate beneficiaries (can be overseas residents)
Setup investment option preference
Eligible foreign workers may receive a lump sum of contributions and earnings upon permanent departure, subject to a 6-month waiting period.
Proof of permanent departure from Cook Islands
Completed benefit withdrawal application
Valid passport and travel documentation
Tax clearance certificate (if required)
Processing time: 30-45 business days
Under the Cook Islands National Superannuation Act, employers must contribute for all eligible employees. Contributions are based on gross earnings and paid monthly.
The standard contribution structure combines both employer and employee contributions to build retirement savings.
Employers must submit monthly contributions. Late contributions may incur penalties. Our online employer portal makes it easy to submit your monthly contribution payments.
The standard contribution rate is 10% of gross salary, split between employer (5%) and employee (5%). The standard contribution structure combines both employer and employee contributions to build retirement savings.
Contributions submitted monthly via employer system. Payments due each month. Payments can be made via direct bank transfer, online payment through the employer portal, or by cheque.
Late or missing contributions may incur penalties and enforcement action. Persistent late payments may result in legal action and recovery proceedings.
Once registered, employers receive login credentials for the secure online employer portal. The portal provides tools to manage employees, submit contributions and access employer resources. Portal support is available via phone or email during business hours.
Visit our office or call during business hours for assistance
Monday – Friday, 8:00 AM – 4:00 PM
Email our dedicated employer support team for queries
enquiry@superfund.gov.ck
Call us for immediate assistance with registration or contributions
+682 25515
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Read MoreRegistration with CINSF and payment of contributions is a legal requirement for all employers in the Cook Islands under the Cook Islands National Superannuation Act. Failure to register or make required contributions may result in penalties, interest charges, and legal proceedings. If you are uncertain about your obligations as an employer, or require assistance with registration or contribution payments, please contact our employer support team. We are here to help ensure compliance while making the process as simple as possible for your business.
