The Social Security and National Insurance Trust (SSNIT) has announced an increase in the maximum insurable earnings for contributors under its pension scheme, with effect from January 1, 2026.
In a public notice dated January 14, 2026, SSNIT said that, in consultation with the National Pensions Regulatory Authority (NPRA), the ceiling has been raised from GH¢61,000 to GH¢69,000. The adjustment is expected to affect employers and workers in higher income brackets.
SSNIT explained that the revision is in accordance with Section 63(3) of the National Pensions Act, 2008 (Act 766), which requires regular reviews of pension contribution thresholds to reflect prevailing economic conditions.
With the new ceiling, the maximum annual contribution payable to SSNIT will increase to GH¢9,315 from 2026, impacting contributors whose earnings meet or exceed the revised insurable limit.
The Trust has advised employers and affected contributors to take note of the new ceiling and ensure that the appropriate pension contributions are made from the effective date.
SSNIT noted that the increase is intended to strengthen long-term pension benefits for contributors while boosting inflows into the national pension scheme.
