Social Security and National Insurance Trust – SSNIT

SSNIT is a Social Security and National Insurance Trust Scheme established to be the model for the administration of Social Protection Schemes in Africa and beyond. Also, it  provides income security for workers in Ghana through excellent business practices

SSNIT Membership Benefits

The Scheme is governed by an Act of Parliament, the National Pensions Act, 2008, Act 766 and regulated by the National Pensions Regulatory Authority (NPRA). This makes SSNIT a statutory body that provides Members with several benefits including,

  • An assured source of income in old age,
  • An Invalidity Pension in the unfortunate event of a permanent illness or disability that prevents you from working,
  • A Survivors’ benefit for your dependants in the event that you are no more and Emigration
  • Benefits paid to foreigners who have contributed to the Scheme and are emigrating permanently from Ghana.
  • There is also the added benefit of free healthcare through the National Health Insurance Scheme.

Besides scheme is committed to paying benefits to members when they fall due and have met all the qualifying conditions. Also, the pension that scheme pays to pensioners is a reflection of how much contributions they paid on their basic salary whilst in active service.

That is why the scheme humbly advise Members to consolidate their salaries and allowances to enable them receive enhanced pensions when on retirement.

How to retrieve your SSNIT number

Kindly send the following details for assistance:

  • Your full name
  • Date of birth
  • Names of your parents
  • Telephone number
  • Email address
  • Name of your employer
  • SSNIT office where you registered
  • Month & year you registered

Can a SSNIT Contributor take a Loan or Withdraw part of His/Her Saving?

Please note that, a member / pensioner cannot take a loan or withdraw part of his/her contributions / pensions from the scheme or use his / her contributions as collateral or mortgage because SSNIT is a pension scheme, and not a saving scheme nor a banking institution. Contributions are meant to be invested and paid to Members depending on which contingency has occurred.

Conversely, the law allows members/contributors to use their Tier 2 and/or Tier 3 benefits as mortgage. You may contact your Fund Managers or call the NPRA on 030 296 8692 for more information.

Furthermore, any contributor retiring can visit any SSNIT branches 3 months prior to his/her retirement. This is to prepare the contributor and give SSNIT the opportunity to do the necessary updates and corrections (if any) before the due date. With this, payment of benefits is made the ensuing month after retiring.

We hope this information is helpful. Thank you and if you have any experiences which have made you dissatisfied, kindly make use of our comment section below.

Related Posts:

How to Register and be a SSNIT Contributor

How to access and check your SSNIT contribution statement

How to check your SSNIT number

How to check my SSNIT statement online

How to know if your SSNIT Ghana contributions have been paid

How do I contact?

Send  your complaint and the following details via email to [email protected] or WhatsApp/SMS to 0500003050 or our inbox to enable us investigate the issues, your;

  1. Employers’ names
  2. Company name
  3. Location / land mark
  4. Address and Telephone number (s) to enable us investigate the issues.

Kindly let us know your:

  1. Full name
  2. SSNIT number
  3. Staff ID number
  4. The exact month(s) and year(s) missing
  5. Telephone Number and
  6. Pay slips for those months (if any).

Please trust that SSNIT does not and will not disclose the identity of anyone or member who reports of a whistle blower case, that we can assure you. click here for more info.