SSNIT Raises Maximum Insurable Earnings to GHS 69,000 Effective January 2026
The Social Security and National Insurance Trust (SSNIT) has revised the maximum insurable earnings for contributors under its pension scheme, with effect from January 1, 2026.
According to a public notice issued on January 14, 2026, SSNIT, in consultation with the National Pensions Regulatory Authority (NPRA), increased the ceiling from GHS 61,000 to GHS 69,000, marking a notable adjustment for employers and contributors within 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 periodic reviews of pension contribution thresholds to reflect prevailing economic conditions.
Following the adjustment, the maximum annual contribution payable to SSNIT will rise to GHS 9,315 from 2026. The change will affect contributors whose earnings meet or exceed the newly approved insurable limit.
The Trust has advised employers and affected members to take note of the revised ceiling and ensure full compliance with the updated contribution requirements from the effective date.
SSNIT noted that the adjustment is expected to strengthen long-term pension benefits for contributors, while also boosting inflows into the national pension scheme to support its sustainability.
