The Social Security and National Insurance Trust (SSNIT) has announced plans to increase its compliance rate to 90% by the end of 2026, as it intensifies efforts to ensure more Ghanaian workers secure their retirement through regular pension contributions.
Currently, SSNIT records a compliance rate of between 70% and 80%, with many employers—particularly in the informal sector—failing to enroll workers or remit monthly contributions as required by law.
This gap, officials say, puts thousands of workers at risk of inadequate pension coverage, undermining Ghana’s broader social protection goals.
Speaking at an employer’s breakfast meeting, SSNIT Director General Kwesi Afreh Biney said the Trust remains committed to improving enrolment and enforcing contribution compliance. He emphasized that while recent years have seen some improvement, significant work remains to ensure consistent adherence to the pension scheme’s mandates.
To address the challenge, SSNIT is ramping up public awareness campaigns and deploying new digital platforms aimed at simplifying the contribution process for employers, especially those in the informal sector.
“We are focused on using technology to remove bottlenecks and make it easier for employers to fulfil their obligations,” Mr. Biney said.
The Trust is also urging formal sector employers to lead by example by ensuring full compliance to protect their workers’ future pensions.
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