preloader

Benefits

Survivors Lumpsum Benefit

Who qualifies for Survivors Lump Sum Benefit?

This benefit is paid as Lump Sum to the nominated dependant(s) of a Member upon his/her death while in service or on retirement.
A Pensioner who dies before he/she attains age 75 under Act 766 or age 72 under PNDC Law 247, will have his/ her nominated dependant(s) paid a Survivors Lump Sum Benefit.

Qualifying Conditions

  • 12 months in aggregate within the last 36 months prior to his/her death
  • Dependant(s) should have been nominated by a deceased Member
    Or
  • Dependant(s) should have been included in the list of nominees by law or through the law courts

How can a dependant apply for Survivors Lump Sum?

Family members (spouse, adult children or extended family) of a deceased Member must report the death of the Member to the nearest SSNIT branch with any of the following as evidence of death:

  • Death Certificate.
  • Medical Certificate of cause of death.
  • Letter from employer of the deceased Member (if the person died in service).
  • Letters of Administration.
  • Letter from a religious leader.
  • Affidavit from Chief of village or town where the deceased resided.
  • Police / Coroner’s report.

Note:

Applicants may add an obituary poster, a funeral programme, a mortuary report or burial permit to any one of the listed evidences.

After confirmation of death, the nominated dependants are contacted to present their photo ID cards for identification.

SSNIT will confirm the validity of nominated dependants and request them to collect, complete and submit application forms.

They will also be required to present the following documents for the payment process to begin.

  • Bank account details
  • Evidence of birth (birth certificate / weighing card/ baptismal card) of minors (if applicable)
  • School attestation (if applicable)

Payment of the benefit will be made into the individual bank accounts of the beneficiaries.

Unlike other insurance schemes, the SSNIT Scheme ignores all pre-existing medical conditions prior to enrolment and provides a life policy by paying the survivors of Members who pass on.

SSNIT assumes mortality risk with this benefit.