The Fiji National Provident Fund is a social security savings scheme jointly supported by employees, employers and government. It was set up in 1966 to provide financial security for workers when they retire at the age of 55. It also provides two other main contingencies prior to retirement when the member is incapacitated and is not able to work, and for the financial support of survivors in the unfortunate event of death. Over the years the Fund has evolved into a comprehensive scheme that provides a number of pre-retirement withdrawals to members for home ownership, healthcare, and education.