By Nana Kweku Ofori Atta

Security consultant


Workers in Ghana are obliged to contribute to the SSNIT Scheme during their working life in order to receive monthly pension during retirement or when incapacitated. Upon the demise of the contributor, his/her nominated persons will receive the survivor’s benefit in cash.


Four basic types of Social Security benefits are paid based on the record of your earnings: retirement, disability, dependents, and survivors benefits. Social Security replaces a percentage of a worker’s pre-retirement income based on your lifetime earnings. The amount of your average wages that Social Security retirement benefits replaces varies depending on your earnings and when you choose to start benefits.


There is the need as a nation to make changes in the economy by setting up a committee to investigate every organization and private companies to ensure their workers are being paid their Social Security Benefits to provide a form of income for them and also contribute to national development.



For many, severe deprivation is not a matter of an unfortunate fall from a previously more comfortable position but is a chronic state arising, for example, from the absence of other sectors contributing to the Social Security. The Social security Administration must endeavor to pay regular visits to private organizations to receive an update on their staff both new and old.



I believe laws must be passed by SSNIT which requires employers to hire people based on certain data elements which must be obligatory.


1.Employees Name.

2.Employees date of birth

3.Employees Address.

4.Employees SSNIT Number.

5. Date of hire.

6 Employers Name.

7.Employers Address.

8.TIN Number.



Areas which are not taken into serious consideration must be highlighted as mandatory before one gets employed, this will make work and data easier to access by SSNIT to make sure each citizen contributes a share to their own retirement and economic development.


By Nana Kweku Ofori Atta

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