A study found that 98.7% of Bangladeshi garment workers are not enrolled in the Universal Pension Scheme (UPS) due to financial constraints and lack of awareness. Many workers struggle with the high contribution requirements and digital application process. Fear of job loss, layoffs, and workplace hazards also deter participation. The study recommends lowering contributions, allowing job mobility, and offering financial support. It also suggests increasing awareness and ensuring employer participation to improve social security for workers.