BTA Admin The Social Security and National Insurance Trust (SSNIT) has reaffirmed its commitment to strengthening its position as Ghana’s leading provider of retirement and income security, with renewed focus on transforming into a more robust and member-centred institution.
The Trust says it is repositioning the pension scheme to guarantee reliable income security for workers, ensuring contributors can maintain stable income streams after retirement or when they become eligible for pension benefits.
Expanding Benefits Beyond Monthly Pensions
According to SSNIT, new initiatives are being introduced to enhance the welfare of members beyond the traditional monthly pension payments.
These include:
- Loyalty programmes offering discounts to pensioners
- Value-added services aimed at improving quality of life in retirement
- Support for members who become incapacitated and qualify for benefits
“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,” the Trust stated.
Such initiatives, SSNIT noted, are part of broader efforts to ensure sound business practices while safeguarding the long-term sustainability of the pension scheme.
Employer Engagement and Compliance
Director-General of SSNIT, Kwesi Afreh Biney, disclosed these developments during an interview with the media in Tamale after engaging employers as part of efforts to improve compliance and deepen stakeholder understanding of the scheme.
The engagement formed part of the 2026 Employers’ Workshop organised by SSNIT under the theme:
“60 Years of Social Security: Employers Driving Compliance to Secure Ghana’s Workforce.”
Mr Biney revealed that the scheme currently has about 2.1 million active contributors who make monthly payments.
Expanding Access Through Partnerships
To improve service accessibility, SSNIT is partnering with banks to establish co-location service centres where members can access pension services more conveniently.
The Trust plans to establish 100 such centres nationwide, with four already operational through collaboration with Ecobank Ghana.
SSNIT has also introduced a telehealth system that allows members to consult trained medical professionals 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,” Mr Biney said.
Improving Employer Compliance
Mr Biney noted that compliance among employers has improved in recent years as organisations increasingly recognise the importance of contributing to the scheme on behalf of their workers.
He also commended the Ministry of Finance Ghana for progress made in settling government workers’ pension contributions.
Currently, the private sector accounts for about two-thirds of SSNIT’s membership, contributing approximately 52 percent of monthly inflows into the scheme.
Strengthening Collaboration with Employers
Tamale Area Manager of SSNIT, Seth Kpakpa Quartey, emphasised that employers remain key partners in sustaining the scheme.
He noted that the workshop created a platform for dialogue, learning and collaboration between SSNIT and employers.
“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.
He added that stronger cooperation between employers and the Trust will help ensure that Ghanaian workers can retire with dignity and financial security.
