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The Social Security and National Insurance Trust (SSNIT) is a statutory public Trust in Ghana mandated
The Social Security and National Insurance Trust (SSNIT) is a statutory public Trust in Ghana mandated to administer Ghana's Basic National Social Security Scheme as directed by the National Pension Act, 2008 Act 766
SSNIT undertakes several roles:
Let's explore how SSNIT works as we answer some of the frequently asked questions.
To register, you can visit any SSNIT branch near you with any of the following documents (valid):
You should also bring an appointment letter as proof of employment. However, self-employed persons don't need to provide appointment letters.
SSNIT registration is free of charge.
All workers in the formal sector must pay SSNIT, but it's optional for self-employed persons working in Ghana. It's also worth noting that the first two Tiers are mandatory for all workers, and the Third-Tier is voluntary and privately managed.
You must be between 55 and 60 years old. Additionally, you must have made a minimum contribution of 180 months (15 years) as outlined in Act 766 and 240 months (20 years) as per the PNDCL 247.
After going through SSNIT biometric registration at any branch, it takes about 7 to 15 working days to generate your card.
Below is a simple step to link the SSNIT number to the Ghana card:
To change the password:
To check your SSNIT status, follow the below procedure:
Note: if you've not updated your records with the Trust, you won't access your SSNIT contribution statement online.
SSNIT has a partnership with several banks in Ghana, including GTB Bank, Ecobank, UBA, Cal Bank, Standard Chartered, and Stanbic Bank, where individual members or employers can pay contributions online.
There are four types of benefits under the SSNIT scheme that members enjoy:
Act 766 requires employers to contribute 13.5 per cent of their employees' basic salary to the mandatory First-Tier Basic Social Security Scheme.
SSNIT stops paying pension when the pensioner dies. However, the PNDCL 247 requires that if a pensioner dies before reaching the age of 72, the remaining monthly pension payments (up to age 72) are paid to the pensioner's beneficiaries.
Yes. The SSNIT is an agency of the government of Ghana formed in 1965. Dr John Oferi-Tenkorang is the Director-General. Its headquarters are located in Accra, Greater Accra Region, Ghana.
Yes. Members of SSNIT who change their names or address should inform the nearest SSNIT office to update records.
No. You cannot withdraw your SSNIT contribution because it does not function as a saving scheme.
According to a media release, the SSNIT and NIA number merger was extended to 30th June 2022.
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