SSNIT Portal - Log In Online Registration

SSNIT portal is where you can log in as a Member of the scheme, enter your Social Security Number as username and the corresponding password that was emailed to you. you can also navigate and perform all the following activities.

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What is SSNIT Survivors’ Benefit?

Answer

Survivors’ Benefit is a one-time cash payment made to the surviving dependants of a member of the

Scheme under the following conditions:

When the member dies before retirement; or

When a pensioner (whether old-age or invalidity pensioner) dies before attaining age 72 years (under PNDCL 247) or 75 years (under Act 766).

NB:

The survivors of the deceased must be dependants of the deceased and validly nominated as beneficiaries of the deceased or Court-approved beneficiaries (e.g. children not nominated but are covered under Children’s, 1998 (Act 560)).
The National Pension Act, 2008 (Act 766) Section 213 lists the members of family who can be nominated as beneficiaries.

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What are the Types of Survivors’ Benefits?

Answer

Depending on the eligibility requirements met at the time of death, the beneficiaries of the deceased may be eligible for one of the following benefit payments:

Survivors Benefit I
Survivors’ Benefit II (return of contributions with interest)

What are the Eligibility Requirements?

Answer

(A) Survivors’ Benefit I

A Survivors’ Benefit I shall be paid to the beneficiaries of a:

(i) Decased worker or contributor who has contributed to the scheme for a period of at least 12 months within the last 36 months prior to his/her death.

(ii) Deceased pensioner who dies before attaining the age of 72 years under PNDCL 247 and 75 years under Act 766.

Note: Survivors’ of a deceased pensioner shall not be entitled to any Survivors’ Benefit if the pensioner dies after attaining the age of 72 years under PNDCL 247 and 75 years under Act 766.

(B) Survivors’ Benefit II (return of member’s contributions with interest)

Where a worker dies without making at least twelve months contributions within the last 36 months prior to his/her death, a Survivors Benefit (i.e. a return of contributions with interest) will be paid to his/her beneficiaries.

Thus, Survivors’ Benefit for purposes of benefit computations shall be classified as follows; namely:

Worker Death Survivors’ Benefit
Pensioner Death Survivors’ Benefit
Worker Death Survivors’ Lump sum

Who is eligible to receive Survivors’ Benefits?

Answer

Survivors’ benefits shall be paid to one or more of the following in the order given:

The surviving children
The surviving spouse
The surviving parent
The designated beneficiaries

How do I apply for Survivors’ Benefits?

Answer

Report the death of the member (contributor or pensioner) to the nearest SSNIT Branch with any of the following compulsory documents:

(a) Primary evidence of death

A copy of Death Certificate
Letter from Employer in the case where the member dies in employment
Letters of Administration (LA) (if available)

The following Secondary evidence of death could be accepted in addition to anyone of the listed Primary evidence of death.

(b) Secondary evidence of death

Obituary/Poster
Affidavit from Chief of Village or Town/Religious Leader of the deceased member

On receiving information of the death of a member including the evidence of death, SSNIT will conduct its investigations to ascertain the death and afterwards request the nominated and approved beneficiaries to apply for the benefit.

Each of the approved beneficiaries may call at a SSNIT Branch to collect, complete and submit an application Form to which he/she will attach the following:

Two (2) recent passport-size photographs;
Children under 18 years shall be requested to submit an evidence of birth (e.g. Birth Certificate, Health weighing card)
A valid Bank Account Number that bears the beneficiary’s name.

SSNIT will process the application and compute the Survivors’ benefit. The Benefit amount shall be paid into the bank account of each approved beneficiary according to the approved percentage.

How is the SSNIT Pension Calculated?

To calculate your pension

Multiply your best 36 months (3 years) average salary by your “Pension Right”.

Earned pension right under the national pension act, 2008 act 766

The Pension Right is 2.5% for each year of contribution for the first 15 years and 1.125% for every additional year up to a maximum of 60.0%.

Years of Contribution 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25 Pension Right (%) 37.50, 38.63, 39.75 40.88, 42.00, 43.13, 44.25, 45.38, 46.50, 47.63, 48.75

Years of Contribution 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, & above a Pension Right (%) 49.88, 51.00, 52.13, 53.25, 54.38, 55.50, 56.63, 57.75, 58.88, 60.00, 60.00

Reduced Pension – Early Retirement

To qualify for Reduced Pension,

You must be 55 years and above but below 60 years of age; and

You must have made a minimum contribution of 180 months (15 years) under act 766 and 240 months (20 years) under PNDCL 247.

Early Retirement – Age Reduction

For early retirement reduction with factor from 55 years and below 60 years, the pension is computed as follows:

AGE (Years) 55, 56, 57, 58, 59% of Full Pension 60%, 67.5%, 75%, 82.5%, 90%

SSNIT formulae for calculating pension (under Act 766) is as follows:

Full Pension = Average Best 3 Years Salary * Pension Right *Age Reduction Factor.

The pension right is 2.5% for each year of contribution for the first 15 years and 1.125% for every additional year up to a maximum of 60.0%.

In effect, having only the salary is not enough to determine one’s Pension benefit.

Kindly note that you can access the Pension Calculation on the SSNIT website www.ssnit.org.gh. However, you must be at least 55 years. Additionally, for security reasons, the Pension Calculator will not access your earnings record. It will use the information that you provide for the calculation.