Stop for a moment and think about these:
- Time flies and old age is inevitable
- Accidents and illnesses may occur while you are working
- There are occurrences like death which you have no control over
Become a Member
Who can be a Member?
Every worker can join and insure their earned incomes with SSNIT.
Workers who registered, contributed and stopped contributing at a point in time can rejoin and contribute till age 60 using the same SSNIT number. New joiners must be between 15 and 45 years.
Why join SSNIT?
SSNIT has got you covered in all these circumstances
- The SSNIT Scheme pays you Old Age Pension until death.
- The SSNIT Scheme provide you with the Invalidity (disability) Pension.
- The SSNIT Scheme has an inbuilt life policy and assumes mortality risk (Survivor Lumpsum Benefits).
- Pensions are increased annually to help maintain the purchasing power of Pensioners.
- SSNIT provides you superior value compared to Member contributions invested in secure long-term investments such as treasury bills.
- The SSNIT Scheme is a defined benefit scheme where benefits paid are predetermined by law.
How you can join the SSNIT Scheme
Follow these simple steps to join the SSNIT Scheme:
- Visit a SSNIT branch near you with your GhanaCard number and go through the registration process.
- If you already have a SSNIT number, you need to merge your SSNIT and GhanaCard numbers.
- Inform your employer once you have registered with SSNIT.
Tell SSNIT if your employer is not paying your contributions
It is the duty of your employer to pay your social security contributions. When you discover that your employer has not paid your SSNIT contributions, you have a duty to report it to SSNIT. Do not sit unconcerned. Remember, it is your future.
To report your employer, send an email to contactcentre@ssnit.org.gh or WhatsApp/SMS to 050 000 3050 and provide the following details:
- Your full name
- GhanaCard number
- Payslips for the exact months (if any)
- The full name of the company or owner
- Address of the employer (location, nearest landmark or digital address)
- Phone number of the company or owner
Earned Pension Right
- Contributions from multiple employers will help give you a higher monthly pension when you retire.
- Once you register with SSNIT, give your GhanaCard and SSNIT numbers to your employer. Ensure your employer pays your SSNIT contributions from the first month you start working. Even if you are a contract staff, casual worker or on probation, your employer has to pay your SSNIT contributions. It does not matter how much you earn or how long your employment lasts.
- SSNIT pensions are a reflection of your basic salary. SSNIT pension is calculated using your basic salary on which contributions are paid. If your basic salary is high, you will receive a relatively high pension.
- If you are a self-employed Member of the Scheme, you must contribute 13.5 % of your declared monthly income to SSNIT.
- Speak to your employer about making social security payments based on a consolidated salary (if possible).
- Out of the 13.5%, 11% is retained by SSNIT. 2.5% is transferred to the National Health Insurance Authority (NHIA). If you are an active contributor, you are covered under the National Health Insurance Scheme and are exempted from payment of yearly premiums.
- Ensure your employer pays your monthly contributions regularly and on the correct basic salary by checking your SSNIT statement periodically. Report issues concerning your SSNIT contributions.
- If you have multiple employers, each employer has to pay SSNIT contributions on your behalf. Provide each employer with your GhanaCard number and insist contributions are paid for you even if your employment is part-time, casual or on contract basis.
- Update your personal records (name change, address and beneficiary nomination) with SSNIT. However, you CANNOT change the DATE OF BIRTH that you have given to SSNIT.