The Social Security and National Insurance Trust (SSNIT) is proposing a revision of Ghana’s National Pensions Act, 2008 (Act 766), arguing that the law must evolve to include modern forms of work such as gig employment, digital entrepreneurship, and remote jobs.
According to the Trust, the country’s current pension framework does not adequately cover the growing number of Ghanaians operating in emerging sectors of the economy, leaving millions without social protection or income security in retirement.
Speaking at a symposium to mark SSNIT’s 60th anniversary, Director-General Kwesi Afreh Biney stressed that expanding pension coverage to reflect new labour market realities is essential for safeguarding financial stability for future retirees.
“We must ensure that the National Pensions Act evolves to reflect new forms of work such as the gig economy, digital entrepreneurship, and remote employment. A more adaptive legal framework will help us protect all workers, regardless of where they work”, he said.
Beyond legislative reform, SSNIT says it is intensifying efforts to extend pension coverage to traders, artisans, farmers, and other self-employed individuals who make up a significant portion of Ghana’s informal sector.
Mr. Afreh Biney noted that the Trust is deploying technology, strengthening customer service, and improving data systems to broaden access and enhance contributor confidence.
“As we celebrate 60 years of service, we acknowledge the challenges that remain and commit to building a future defined by innovation, inclusion, and sustainability,” he added.
“The next 60 years must see an even stronger SSNIT; one that protects the Ghanaian worker, supports families and strengthens the fabric of our society.”
SSNIT maintains that a modernised pension system is critical as work patterns shift and the informal economy continues to dominate Ghana’s labour landscape.
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