Ferdinand | EducationGhana | April 13| Simple steps to apply for SSNIT Survivors’ Benefit in 2023
The Social Security and National Insurance Trust (SSNIT) is a statutory public Trust charged under the National Pensions Act, 2008 Act 766 with the administration of Ghana’s Basic National Social Security Scheme.
Its mandate is to cater for the First Tier of the Three-Tier Pension Scheme. The Trust is currently the largest non-bank financial institution in Ghana.
The primary responsibility of the Trust is to replace part of the lost income of workers in Ghana due to Old Age, Invalidity or Death of a member where dependants receive lump sum payment.
It is also responsible for the payment of Emigration benefits to a non-Ghanaian member who is leaving Ghana permanently.
The Pension Scheme as administered by SSNIT has an active membership of over 1.6 million as of January 2021 with over 226,000 pensioners who regularly receive their monthly pensions from SSNIT.
THE TRUST
The Trust was established in 1972 under NRCD 127 to administer the National Social Security Scheme. Prior to 1972, the Scheme was issued jointly by the then Department of Pensions and the State Insurance Corporation.
The Trust administered the Social Security Scheme as a Provident Fund Scheme until 1991 when it was converted to a Social Insurance Pension Scheme then governed by the PNDC law 247.
The scheme in Ghana was reformed by an Act of Parliament, Act 766 of 2008 and was implemented in January 2010 to replace all pension schemes in Ghana including Cap 30. In 2014, the National Pensions (Amendment) Act 883 was passed to amend portions of Act 766.
What is the Survivors’ Benefit?
Survivors’ Benefit is a one-time cash payment made to the surviving dependants of a member of the scheme under the following conditions:
When the member dies before retirement; or When a pensioner (whether old-age or invalidity pensioner) dies before attaining age 72 years (under PNDCL 247) or 75 years (under Act 766).
Note: The survivors of the deceased must be dependants of the deceased and validly nominated as beneficiaries of the deceased or Court-approved beneficiaries (e.g. children not nominated but are covered under Children’s, 1998 (Act 560)).
Note: The National Pension Act, 2008 (Act 766) Section 213 lists the members of the family who can be nominated as beneficiaries.
What are the Types of Survivors’ Benefits?
Depending on the eligibility requirements met at the time of death, the beneficiaries of the deceased may be eligible for one of the following benefit payments:
Survivors Benefit I
Survivors’ Benefit II (return of contributions with interest)
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What are the Eligibility Requirements?
(A) Survivors’ Benefit I
A Survivors’ Benefit I shall be paid to the beneficiaries of a:
(i) Deceased worker or contributor who has contributed to the scheme for a period of at least 12 months within the last 36 months prior to his/her death.
(ii) Deceased pensioner who dies before attaining the age of 72 years under PNDCL 247 and 75 years under Act 766.
Note: Survivors’ of a deceased pensioner shall not be entitled to any Survivors’ Benefit
if the pensioner dies after attaining the age of 72 years under PNDCL 247 and 75 years under Act 766.
(B) Survivors’ Benefit II (return of member’s contributions with interest)
Where a worker dies without making at least twelve months’ contributions within the last 36 months prior to his/her death, a Survivors Benefit (i.e. a return of contributions with interest) will be paid to his/her beneficiaries.
Thus, Survivors’ Benefit for purposes of benefit computations shall be classified as follows; namely:
- Worker Death Survivors’ Benefit
- Pensioner Death Survivors’ Benefit
- Worker Death Survivors’ Lump sum
Who is eligible to receive Survivors’ Benefits?
Survivors’ benefits shall be paid to one or more of the following in the order given:
- The surviving children
The surviving spouse
The surviving parents
The designated beneficiaries
How do I apply for Survivors’ Benefits?
Report the death of the member (contributor or pensioner) to the nearest SSNIT Branch with any of the following compulsory documents:
1. Primary evidence of death
a. A copy of the Death Certificate
b. Letter from Employer in the case where the member dies in employment
c. Letters of Administration (LA) (if available)
The following Secondary evidence of death could be accepted in addition to anyone of
the listed Primary evidence of death.
2. Secondary evidence of death
a. Obituary/Poster
b. Affidavit from Chief of Village or Town/Religious Leader of the deceased member
Upon receiving information of the death of a member including the evidence of death, SSNIT will conduct its investigations to ascertain the death and afterwards request the nominated and approved beneficiaries to apply for the benefit.
Each of the approved beneficiaries may call an SSNIT Branch to collect, complete and submit an Application Form to which he/she will attach the following:
- Two (2) recent passport-size photographs;
- Children under 18 years shall be requested to submit evidence of birth (e.g. Birth Certificate, Health weighing card)
- A valid Bank Account Number that bears the beneficiary’s name.
SSNIT will process the application and compute the Survivors’ benefit. The Benefit amount shall be paid into the bank account of each approved beneficiary according to the approved percentage.
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