SSNIT commits to building robust, member-centred institution

By Samuel SAM

The Social Security and National Insurance Trust (SSNIT) has reaffirmed its commitment to strengthening its role as the leading provider of retirement and income security, with a focus on transforming into a more robust and member-centred institution.

The Trust says it is positioning itself to build a stronger scheme that guarantees reliable income security for workers, ensuring that contributors can maintain a stable income stream when they retire or become eligible for pension benefits.

Beyond the traditional monthly pension payments, SSNIT is introducing additional benefits aimed at enhancing the welfare of members. These include loyalty programmes that offer discounts to pensioners and other value-added services designed to improve quality of life in retirement.

“We are committed to providing pensions to members who reach retirement age, while also supporting those who unfortunately become incapacitated and qualify for benefits through the incapacity route. This ensures partial income replacement during such challenges,” the Trust said.

These initiatives, it noted, are in line with SSNIT’s broader mission to deliver sound business practices while safeguarding the long-term sustainability of the pension scheme.

Director-General of SSNIT, Kwesi Afreh Biney, disclosed this in an interview with the media in Tamale after engaging employers as part of the Trust’s efforts to understand their needs and educate them on policies aimed at improving the welfare of contributors and pensioners.

The engagement formed part of the 2026 Employers’ Workshop organised by Social Security and National Insurance Trust under the theme: “60 years of social security: employers driving compliance to secure Ghana’s workforce.”

Mr. Biney noted that the Trust currently has about 2.1 million active contributors who make monthly payments to the scheme.

He added that SSNIT is leveraging partnerships with banks to establish co-location service points to improve accessibility for members. The Trust plans to open 100 such centres, with four already operating in collaboration with Ecobank.

He also highlighted the introduction of a telehealth system that allows members to receive medical advice from trained doctors remotely.

“We have consistently paid pensions over the last 60 years without fail, and we will continue to do so while ensuring that the value of our investments keeps growing,” he said.

Mr. Biney further indicated that compliance among employers has improved in recent years as more organisations recognise the importance of contributing on behalf of their workers.

He commended the Ministry of Finance (Ghana) for progress made in settling government workers’ pension contributions.

According to him, the private sector accounts for about two-thirds of SSNIT’s membership and contributes approximately 52 per cent of the monthly inflows to the scheme.

Meanwhile, Tamale Area Manager of SSNIT, Seth Kpakpa Quartey, said the Trust remains committed to strengthening compliance, improving service delivery and securing the future of Ghana’s workforce.

“Over the years, SSNIT has taken deliberate steps to improve accessibility, responsiveness and convenience through digital innovation, expanded service points and more proactive engagement with employers and members,” he said.

Mr. Quartey added that employers remain indispensable partners in sustaining the social security scheme.

He noted that the workshop provided a platform for dialogue, learning and renewed collaboration between SSNIT and employers.

“It is also an opportunity to share information, listen to your experiences and develop practical solutions that will make compliance simpler, more efficient and more rewarding,” he said.

He expressed appreciation to employers for their continued support and the vital role they play in helping workers retire with dignity and peace of mind.

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