Civil servants in Nigeria face a variety of shocks that disrupt the economic stability and well-being of their families. This study examined the coping strategies adopted by civil servants in Benue State to mitigate the adverse impact of multiple shocks and analyzed the relationship between shock exposure and the choice of coping mechanisms. Using a cross-sectional design, 344 respondents were selected via a multistage sampling approach from key ministries, and data were collected through structured questionnaires.

Descriptive statistics were used to summarize the prevalence of coping strategies, while correlation analysis was adopted in assessing the relationship of shock types and coping choices. The most common coping strategies used in the study included reducing consumption, borrowing from friends and relatives, and delaying bill payments. Regression results revealed that multiple shocks encountered by civil servants significantly predicted their adoption of multiple coping strategies. The findings highlight the need for institutional welfare systems, access to affordable credit, and financial literacy programmes to enhance resilience among civil servants.