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IN exercise of the powers
conferred on the Commissioner
responsible for Finance by section
44 of the Social Security Decree,
1972 (N.R.C.D. 127), these
Regulations are made this 16th day
of April, 1973.
PART I—REGISTRATION
Regulation 1—Registration of
Employers.
(1) Subject to sub-regulation (2)
of this regulation, every employer
to whom the Social Security Decree
(in these Regulations referred to
as “the Decree”), applies shall,
within thirty days either after
the date on which these
Regulations come into force or
such other date as from which the
Decree begins to apply to him,
complete and forward to the Chief
Administrator Form SS 2 specified
in the Schedule to these
Regulations.
(2) Every employer or worker who,
immediately before the
commencement of these Regulations,
was registered, as employer or
worker, under the Social Security
Fund Regulations, 1965 (L.I. 470)
shall be deemed to be so
registered under these
Regulations.
(3) An establishment which
consists of several branches,
departments, sections,
sub-offices, depots, stores,
whether situated in the same place
or in different places shall for
purposes of the Decree be deemed
to be one and the same
establishment and the Decree shall
apply to all the workers therein.
Regulation 2—Employer to Notify
Chief Administrator in Certain
Cases.
(1) Every employer referred to in
sub-regulations (1) and (2) of
regulation 1 of these Regulations
who ceases to be an employer to
whom the Decree applies shall
inform the Chief Administrator of
the fact, and the date of his
ceasing to be such an employer
within ten days after such date.
(2) Every such employer who
changes his business address shall
furnish the Chief Administrator
with his new address within ten
days after the change.
Regulation 3—Employer’s
Registration Number.
The Chief Administrator shall
allot an employer's social
security registration number to
every employer from whom he has
received Form SS 2, and shall
notify the employer of such
number.
Regulation 4—Registration of
Workers and Voluntary
Contributors.
(1) Every employer shall,
immediately after his registration
and also on his employing a new
worker, complete and forward Form
SS 1 specified in the Schedule to
these Regulations in respect of
every worker unless the worker
produces evidence that he is
already registered under these
Regulations, or that he is an
exempt person.
(2) A voluntary contributor may
register by completing the said
Form SS 1 or such other form as
the Chief Administrator may
require.
Regulation 5—Certificate of
Membership.
The original and duplicate
certificate of membership as
contained in Form SS 1 shall be
completed, signed and thumb
printed, after which the original
certificate shall be detached and
delivered by the employer to the
worker; the duplicate certificate
shall not be detached.
Regulation 6—Employer to Notify
Chief Administrator.
An employer shall notify the Chief
Administrator when a worker ceases
for any reason whatsoever to be
employed by him.
Regulation 7—Worker to Complete
Forms.
Every employer shall require the
completion of, by every worker of
his and every such worker shall
complete, the appropriate parts of
Form SS 1 specified in the
Schedule to these Regulations:
Provided that where the worker is
unable to complete the form
himself, the worker shall supply
the employer with the necessary
particulars for the completion of
the form.
Regulation 8—Worker to Produce
Certificate of Membership.
A
worker who is already a member of
the Fund shall produce his
certificate of membership to each
new employer or where such
certificate is lost, he shall
produce such other evidence of his
membership and registration number
as he may possess.
PART II—CONTRIBUTIONS
Regulation 9—Payment of
Contributions.
The employer shall pay into the
Fund the contributions prescribed
under section 27 of the Decree
within fifteen days after the end
of the month to which the
contributions relate.
Regulation 10—Employer Obligated
Under Decree and Regulations.
(1) An employer shall be bound by
his obligations under the Decree
and these Regulations in respect
of any period falling before his
ceasing to be an employer and
especially his obligations with
respect to the payment of
contributions.
(2) Notwithstanding anything
stated in sub-regulation (1) of
this regulation, a person who
assumes responsibility as an
employer of an establishment to
which the Decree applies may be
held responsible for the payment
of any contributions or other
moneys due to the Fund and the
submission of any documents to the
Chief Administrator in respect of
which the previous employer was in
default.
Regulation 11—Manner of Payment.
The payment of contributions and
other moneys due to the
Fund shall be made in one of the
following ways—
(a) in cash to be paid—
(i)
at the Head Office of the Trust;
or
(ii) into the account of the Fund
at any branch of the Ghana
Commercial Bank;
(b) by money order, postal order,
crossed cheque bearing the words
"A/C Payee only" or draft drawn on
any Bank in Ghana made payable to
the Fund and delivered or mailed
to—
(i)
the Head Office of the Trust and
such other offices as the Board
may direct;
(ii) any branch of the Ghana
Commercial Bank; or
(c) in such other manner as the
Chief Administrator may from time
to time authorise in any
particular case or class of cases.
Regulation 12—Payment of
Contributions Accompanied by Form
SS 3
(1) All payments of contributions
to the Fund shall be accompanied
by form SS 3 duly completed or by
such other forms as the Chief
Administrator may authorise in
writing.
(2) An employer may make one
consolidated payment for all his
establishments, including the
branches, sub-offices, depots,
provided separate contributors'
lists are furnished in respect of
each branch, sub-office, depot,
and the amounts in respect of each
such unit are distinctly
indicated.
Regulation 13—Contributions
Return.
(1) At the end of the contribution
period or such other period as may
be authorised by the Chief
Administrator, an employer to whom
the Decree applies shall furnish
to the Chief Administrator a list
of contributors.
(2) The list of contributors
referred to in sub-regulation (1)
of this regulation shall show—
(a) the names and registration
number of each worker;
(b) the worker's pay;
(c) the contribution deducted from
his pay;
(d) the employer's contribution in
respect of that worker; and
(e) the total of all contributions
due to the Fund over the period.
Regulation 14—Official Receipts
Required for Payments.
No receipt other than the official
numbered receipt date-stamped and
endorsed shall be deemed to be a
sufficient discharge for payment
in respect of contributions and
other moneys:
Provided that a Bank
paying-in-slip, impressed with the
teller's stamp and initialled by
him, may be deemed a sufficient
discharge for payment unless the
amount paid to the Bank is never
credited to the Fund Account at
the Ghana Commercial Bank, High
Street Branch, Accra.
Regulation 15—Earlier Payment of
Contributions in Certain Cases.
The Chief Administrator may
require an employer to pay the
contributions in respect of a
worker earlier than the date
prescribed by regulation 9, and in
a manner other than that
prescribed by regulation 11, in
order that the Trust may make an
expeditious payment of a benefit
due.
Regulation 16—Refund of
Contributions and Other Payments
not Due.
(1) Where the Chief Administrator
is satisfied that any amount has
been paid to the Fund which was
not due, he may, subject to the
provisions of this regulation
refund the amount to the person
entitled to it:
Provided that no refund shall be
made where the member of the Fund
or his dependants have already
been paid out the amount as
benefit.
(2) The Chief Administrator may
withhold the whole or any part of
the excess and offset it against
any amount due to the Fund from
the person to whom the excess
would otherwise have been paid.
(3) The Chief Administrator may
require the person who made the
excess payment to make a written
application for refund and to
furnish such information as the
Chief Administrator may require to
determine the amount of the excess
payment and the circumstances in
which it occurred.
Regulation 17—Record of Pay.
An employer to whom the Decree
applies shall keep records of pay,
showing, in respect of every
worker, the name of the worker,
the Worker's Social Security
Number, the pay of the worker as
defined in the Decree, and the
deduction for contribution to the
Fund.
Regulation 18—Preservation of
Record.
The employer shall preserve the
record referred to in regulation
17 for twelve years after the end
of the period to which the pay
relates.
Regulation 19—Employer’s Record of
Contributions.
The Trust shall maintain for each
employer a record showing
contributions paid by him, and
those due from him.
Regulation 20—Members’ Record.
The Trust shall maintain in
respect of each member a record
of contributions paid by and on
behalf of the member plus interest
and less any benefits paid and
other authorised deductions.
Regulation 21—Members’ Annual
Statement of Account.
The Trust at the end of each year,
shall furnish to the employer of
each member and the employer shall
transmit to the member an annual
statement showing the
accumulations in the Fund at the
credit of the member.
PART III—BENEFITS
Regulation 22—Application for
Benefit.
An application for a benefit shall
be made on the appropriate form
and delivered to the Chief
Administrator.
Regulation 23—Superannuation
Benefit.
(1) An application for
superannuation benefit shall be
made on Form SS 4, specified in
the Schedule to these Regulations.
(2) The date of birth of a member
entered in the records of the
Trust shall be deemed to be
correct unless the Chief
Administrator has reason to
believe that such date was not
correctly stated.
(3) Where the Chief Administrator
believes that the date of birth of
a member has not been correctly
stated he may:—
(a) ask to be furnished with
further evidence of age; and
(b) substitute what he considers
to be the correct age.
(4) The applicant's claim of
retirement must be supported by
the employer's certificate:
Provided that the Chief
Administrator may dispense with
this certificate and accept other
evidence in support of the
applicant's claim that he has
retired from employment.
(5) The benefit shall not be
authorised unless the member has
reached the age of superan-nuation.
Regulation 24—Invalidity Benefit.
An application for an invalidity
benefit shall be made on Form SS
4, specified in the Schedule to
these Regulations which shall be
endorsed by the employer and the
medical officer and forwarded to
the Chief Administrator.
Regulation 25—Survivor’s Benefit.
(1) An application for survivor's
benefit shall be made on Form SS
5, specified in the Schedule to
these Regulations.
(2) The applicant shall produce
with his application:—
(a) a certificate or other
evidence of the death of the
member; and
(b) except where the applicant has
been nominated as a beneficiary,
Letters of Administration; or
(c) where the amount claimed is
two hundred cedis or less an
affidavit or statutory declaration
establishing the applicant's
identity and his relationship to
the deceased.
Regulation 26—Emigration Benefit.
An application for emigration
benefit shall be made on Form SS
6, specified in the Schedule to
these Regulations, and shall be
supported by statutory declaration
that the member has emigrated or
is about to emigrate from Ghana.
Regulation 27—Sickness Benefit.
(1) An application for sickness
benefit shall be made on Form SS
7, specified in the Schedule to
these Regulations and shall be
submitted to the Chief
Administrator through the
employer.
(2) The employer's certificate and
the medical certificate appearing
on the said form shall be
completed by the employer and a
medical practitioner respectively.
(3) The Chief Administrator may
refer the member for another
medical examination by a medical
practitioner specified by him and
may use the report of such medical
practitioner as evidence in
deciding the member's claim to the
benefit.
(4) The rate of sickness benefit
to be paid shall be as follows:—
(a) a flat rate of 40 pesewas per
day for a worker receiving
not more than 99 pesewas per day;
(b) a flat rate of 50 pesewas per
day for a worker receiving not
less than 1 cedi and not more than
1 cedi 29 pesewas per day;
(c) a flat rate of 60 pesewas per
day for a worker receiving not
less than 1 cedi 30 pesewas per
day.
(5) Sickness benefit shall not be
payable for a period exceeding
twenty-six weeks.
Regulation 28—Life Insurance
Benefit.
(1) The Chief Administrator shall
transfer each month into a Life
Insurance Account, one per centum
of the worker's pay or any other
percentage as may be determined by
the Board to have the life of each
member of the Fund insured
throughout the period of his
membership.
(2) The Chief Administrator shall,
where a member dies before the
payment of his accumulations in
the Fund, pay to the nominee or
nominees of the member, in the
proportion determined by the
member for payment of his
accumulations in the Fund, a life
insurance benefit equal to twelve
month's pay of the member as
calculated at the rate of such pay
in force at the time of his death
or any other amount as may from
time to time be determined by the
Board.
(3) The Life Insurance Benefit
shall not be treated as lapsed
during a period not exceeding
twelve calendar months when
contributions on behalf of the
member are not received in the
Fund due to any cause whatsoever,
including his non-employment in an
establishment to which the Decree
applies.
Regulation 29—Chief Administrator
to Direct Payment of Benefit.
Notwithstanding anything in this
Part, the Chief Administrator may,
after such enquiry as he may deem
necessary, pay the to amount of
the benefit, if it does not exceed
four hundred cedis, to the person
or persons whom he considers best
entitled to it and no claim from
any other person shall lie against
the Fund in respect of such
payment.
Regulation 30—Applicant for
Benefit to Make Statutory
Declaration or Affidavit.
The Chief Administrator may
require any person who has made an
application for a benefit to make
a statutory declaration or
affidavit as to the truth of any
statement of fact made by him in
the application or in support of
any evidence adduced by him.
Regulation 31—Chief Administrator
may Authorise Certain Officers to
make Inquiry.
The Chief Administrator may
authorise any officer of the
Ministry responsible for Pensions
and National Insurance or
organised labour or the Ministry
responsible for Labour or the
Trust to make inquiry about any
application for a benefit, or to
make use of any Government, local
authority or other record as
evidence for purposes of these
Regulations.
Regulation 32—Payment of Benefit
or Refund of Contributions.
The payment of a benefit or the
refund of contributions duly
authorised shall be made by the
Chief Administrator in cash, or by
means of a cheque, money order, or
postal order, or by such other
means as the Chief Administrator
may think fit in any particular
case.
Regulation 33—Acknowledgement of
Receipt of Benefit.
A
receipt in Form SS 10 specified in
the Schedule to these Regulations
for the amount of benefit paid
from the Fund shall be given by
the payee to the Chief
Administrator.
Regulation 34—Conversion of
Benefits into Pension Account.
The Commissioner may, in
consultation with the Trust direct
that the benefits, with the
exception of the sickness benefit,
payable under these Regulations,
instead of being paid as a lump
sum, be converted into a pension
account and payments be made by
instalments periodically to the
member, or if he dies to his
nominees or heirs, as the case may
be, or that the amount may be paid
partly as a lump sum and partly by
periodical instalments.
Regulation 35—Payment through the
Post.
The posting of a registered letter
containing an instrument of
payment sent in pursuance of these
Regulations and addressed to the
person concerned at the address
furnished on the application form,
shall, as regards the liability of
the Trust, be equivalent to the
delivery of the instrument of
payment to the person to whom the
letter was addressed:
Provided that where the Chief
Administrator is satisfied that
such an instrument of payment has
not, for any reason, been received
by the payee, he may on receipt of
a duly executed indemnity to the
Trust issue a duplicate instrument
of payment.
Regulation 36—Minors and Persons
of Unsound Mind or Other
Disability.
(1) Where a member or his
survivor, entitled to a benefit or
refund under the Decree or under
these Regulations, is a minor, or
of unsound mind or suffering from
any other disability rendering him
unfit to manage his own affairs,
anything required to be done by
him, may be done on his behalf by
any person appointed by order of
the High Court or other court of
competent jurisdiction or under
customary law and any amount
payable to that person may be paid
to the person appointed to
administer his affairs in
accordance with the order of the
Court or under customary law.
(2) Where the Chief Administrator
is satisfied that no such person
has been appointed by the court or
under customary law he may, if he
thinks fit, and the money in the
Fund due or payable to the member
or survivor does not exceed the
sum of two hundred cedis, approve
payment of the amount or any part
thereof, to any other person who
satisfies him that he is a proper
person to receive the amount on
behalf of the person entitled
thereto, and win apply the amount
for the maintenance and benefit of
that minor or person of unsound
mind or other disability.
(3) Any receipt given under this
regulation shall be a good and
sufficient discharge to the Trust
for the amount paid.
PART IV—FINANCE AND ACCOUNTS
Regulation 37—Investment.
(1) The corpus of the Fund shall
be invested in loans of the
Government of Ghana and other
securities in accordance with
section 3 (b) of the Decree.
(2) A statement shall be published
each month showing —
(a) the total amount invested;
(b) the securities and loans in
which it is invested; and
(c) the benefits paid up to the
end of the preceding month
Regulation 38—Moneys to be Paid
into the Reserve Fund.
The following amounts, subject to
such additional amounts as may be
determined by the Commissioner in
consultation with the Board, may
be paid into the Reserve Fund:—
(a) the whole or part of the
interest realized from employers
under section 28 of the Decree on
delayed payments of contributions;
(b) such sum as may be allocated
by the Commissioner in
consultation with the Board, from
the undistributed balance of
income from investment;
(c) fee for a Duplicate
Certificate of Membership paid by
a member in the event of loss of
the original;
(d) unclaimed amounts of
contributions;
(e) any other moneys received by
the Chief Administrator which have
not been allocated to any purpose
by the Decree or by these
Regulations.
Regulation 39—Moneys to be Paid
Out of the Reserve Fund.
The following amounts may be paid
out of the Reserve Fund:—
(a) unclaimed money previously
transferred to the Reserve Fund
and subsequently claimed by any
person who can—
(i)
show a legal title thereto within
a period of six years from the
time of its transfer to the
Reserve Fund; and
(ii) give such indemnity to the
Fund as the Chief Administrator
may require;
(b) ex gratia payments authorised
by the Commissioner;
(c) subventions to interest
account to maintain the level of
interest to members; and
(d) any other payments which the
Commissioner considers
appropriate.
Regulation 40—Annual Report.
(1) The Board shall, not later
than six months after the end of
each financial year submit to the
Commissioner, an annual report
including a Balance Sheet and a
full statement of investments, on
the operation of the Fund in that
year.
(2) The report, which shall be
placed before the National
Redemption Council by the
Commissioner, shall be in
sufficient detail to indicate—
(a) the working of the scheme;
(b) the difficulties (if any)
encountered;
(c) an estimate of amounts due but
not realized;
(d) number of cases in which legal
action was taken by prosecution
and for the realisation of unpaid
amounts as debts owed to the
Trust;
(e) the number of cases of payment
of benefits of each type and the
amounts so paid;
(f) any amendments which in the
opinion of the Board should be
made to the Decree or to these
Regulations.
Regulation 41—Audit.
The Auditor-General or any auditor
appointed by him shall audit the
accounts of the Fund and Balance
Sheet and the statement of
investments shall bear a
certificate of audit before the
submission of the annual report to
National Redemption Council as
aforesaid.
Regulation 42—Computations.
All computations under these
Regulations for the purposes of
contributions to be recovered
from workers' pay, interest
benefits or for any other purpose,
shall be made correct to the
nearest pesewa; fractions of a
pesewa less than half shall be
ignored and half pesewa or more
shall be treated as a pesewa.
PART V—FORMS
Regulation 43—Signature and Thumb
Imprint on Document.
(1) Any document used in
connection with the Fund, which
requires a signature of the member
of the Fund may be signed with his
written signature but shall in any
case be authenticated by a clear
impression of his right thumb.
(2) The thumb impression and the
signature, if any, shall in the
case of the worker's part of Form
SS 1 specified in the Schedule to
these Regulations be, witnessed
and counter- signed by the
employer or by an authorised
representative of the employer or
by an authorised representative of
the Chief Administrator:
Provided that—
(a) where, for any reason, it is
not possible to furnish the right
thumb impression of the member, he
may furnish a clear impression of
his left thumb print; and
(b) where, for any reason it is
not possible for the member to
furnish any thumb print the Chief
Administrator may accept such
other mark of identification as he
thinks fit.
Regulation 44—Change of
Nomination.
(1) A member who wishes to make
any change among the persons
previously nominated by him to
receive the benefits in the event
of his death or any change in the
extent of their shares must
complete Form SS 1—specified in
the Schedule to these Regulations.
(2) The employer shall—
(a) afford the member every
facility for the purposes of
sub-regulation (1) of this
regulation;
(b) forward the completed form to
the Chief Administrator; and
(c) obtain and hand over to the
member the Chief Administrator's
acknowledgement of the form.
Regulation 45—Duplicate
Certificate of Membership.
(1) The Chief Administrator may,
in the event of loss of the
original Certificate of Membership
of a member and after conducting
any investigations as he thinks
necessary into its loss, issue a
Duplicate Certificate of
Membership to the member on
payment of a fee of thirty pesewas.
(2) The duplicate certificate
shall be endorsed with the word
"Duplicate".
Regulation 46—Worker to Furnish
Information to Employer.
Every worker shall furnish to his
employer all information and
produce any documents necessary
for the completion of returns
prescribed by these Regulations
and required to be made by his
employer.
Regulation 47—Incomplete or
Inaccurate Document.
(1) If in the opinion of the Chief
Administrator any document
required to be completed under
these Regulations is incomplete,
inaccurate or is not clear to
identify the person concerned, he
may return the document to the
sender.
(2) The sender shall comply with
all lawful directions given to him
by the Chief Administrator and
shall within one week of the
receipt by him of the document
complete and forward to the Chief
Administrator a fresh document in
place of the original or return
the original document corrected
and authenticated as may be
required by the Chief
Administrator.
Regulation 48—Variation of Forms.
(1) Any form or document used in
connection with the Fund shall not
be deemed invalid by reason only
of the inclusion therein of
additional matter or of any
variation in its wording.
(2) Any form prescribed by these
Regulations may be altered or
amended to suit any particular
case and shall be valid for all
purposes.
Regulation 49—Forms in Schedule
not Referred to in Regulations.
Any form set out in the Schedule
to these Regulations but not
specifically referred to elsewhere
in these Regulations may where
necessary be used for the purposes
for which the form is designed.
Regulation 50—Forms Obtainable
from the Chief Administrator.
(1) Forms prescribed under these
Regulations may be obtained free
of charge from the Chief
Administrator or any other
officers as may be notified for
the purpose.
(2) The delay in receipt of any
prescribed form from the Chief
Administrator shall not absolve
the employer from his
responsibility for making any
payment to the Fund on the due
dates and any failure to make any
such payment shall be deemed a
contravention of these
Regulations.
PART VI—GENERAL
Regulation 51—Social Security
Clearance Certificate.
(1) No person, body of persons, or
authority, shall register, license
or grant a permit or authorisation
to an employer, unless such
employer produces a valid and
relevant Social Security Clearance
Certificate.
(2) No licence or authorisation
shall be issued to any employer to
export, import, or to clear goods
intended for sale from any port or
factory in Ghana, unless the
employer produces to the
Comptroller of Customs and Excise
or the licensing authority a valid
and relevant Social Security
Clearance Certificate.
(3) No insurance company or
corporation shall pay any money in
respect of any claim made under
any policy issued by that company
or corporation unless the
employer, to whom the money is
payable under the policy, produces
to the insurance company or
corporation a valid and relevant
Social Security Clearance
Certificate.
(4) An alien employer may not be
permitted to leave Ghana
unless he produces to the
appropriate immigration
authorities a valid Social
Security Clearance Certificate
issued in respect of his
establishment.
(5) Where any authority or person
is empowered by any enactment to
grant any permit or authorisation
in respect of the construction of
any building or the execution of
any work on any building, that
authority or person shall not
grant any such permit or
authorisation unless the employer
applying for such permit or
authorisation produces to such
authority or person a valid and
relevant Social Security Clearance
Certificate.
(6) Where any authority or person
is empowered by any enactment to
effect the registration of any
document conferring title to any
land, that authority or person
shall not effect the registration
of such documents to an employer
unless there is produced to such
authority or person a valid and
relevant Social Security Clearance
Certificate.
(7) The State Housing Corporation
shall not sell or grant any lease
in respect of any building to an
employer unless such employer,
produces to the said corporation a
valid and relevant Social Security
Clearance Certificate.
(8) Unless the Chief Administrator
otherwise directs, no authority or
other person responsible for the
award of any contract for the
execution of any works or for the
performance of any service, the
consideration for which is not
less than three thousand cedis,
shall award or pay for any such
contract to any employer unless
the employer to whom the contract
is to be awarded or payment is to
be made produces to such authority
or person a valid and relevant
Social Security Clearance
Certificate.
(9) Unless the Chief Administrator
otherwise directs, no authorised
dealer within the meaning of the
Exchange Control Act, 1961 (Act
71) shall sell any external
currency within the meaning of
that Act not being less than three
hundred cedis in value, to any
employer unless that employer
produces to such authorised dealer
a valid and relevant Social
Security Clearance Certificate.
(10) No tax Clearance Certificate
shall be issued to an employer
unless such employer produces a
valid and relevant Social Security
Clearance Certificate to the
Commissioner of Income Tax.
(11) No local authority, statutory
corporation or board, educational
Institution, or body of similar
description, shall obtain or be
given Government subvention,
subsidy or grant without first
producing a valid and relevant
Social Security Clearance
Certificate to the appropriate
authority or person.
(12) For the purposes of this
regulation—
“a Social Security Clearance
Certificate” means a Certificate
issued by the Chief Administrator,
certifying that all social
security contributions due from an
employer, have been paid and that
all relevant information has been
supplied or that such employer has
made arrangements satisfactory to
the Chief Administrator, for the
payment of contributions and for
the supply of all relevant
information.
(13) Such certificate shall be
valid for a period of six months,
but may be revoked by the Chief
Administrator, if the employer
fails to fulfil his obligations
under the Decree or these
Regulations.
Regulation 52—Competency to
Nominate.
A
worker who has reached the age of
fifteen years shall be competent
to nominate beneficiaries to whom
the accumulations standing to his
credit, should be paid in the
event of his death before
superannuation.
Regulation 53—Date of Birth may be
Estimated where Necessary.
(1) Where a worker is unable to
state his date of birth, the
employer shall estimate
his age from appearance and any
other known facts and shall record
a date of birth on the appropriate
form.
(2) Such date of birth shall, for
purposes of these Regulations, be
treated as the actual date of
birth unless it is amended by the
Chief Administrator.
Regulation 54—Returns Required in
Respect of Existing Schemes.
(1) The employer of an
establishment having its own
private scheme of pension,
gratuity or provident fund, shall
send to the Chief Administrator
returns concerning his private
scheme as returns required in
respect of existing schemes
described as follows: —
(a) the first return shall be
submitted not later than three
months after the date of
commencement of these Regulations
or in the case of a scheme started
after the commencement of these
Regulations, not later than three
months after the starting of the
scheme and shall include the
following: —
(i)
A list of the members of the Board
of trustees showing
representatives of the workers and
representatives of the employer,
and of the Government, if any,
(ii) A copy of the up-to-date
constitution and rules,
(iii) A balance sheet as at the
date immediately preceding the
date of commencement of these
Regulations, clearly showing
assets and liabilities of the
scheme, and a detailed statement
of investments, loans granted and
other securities, reserves, and
forfeiture or lapsed accounts;
(b) thereafter, statements
relating to quarters of the year
ending March, June, September and
December as the case may be, shall
be submitted quarterly within
fifteen days from the end of the
quarter and shall cover
contributions received, benefits
paid out and investments made
during the preceding three months;
(c) a copy of the annual balance
sheet showing the assets and
liabilities of the existing scheme
on the thirty-first day of
December each year shall be sent
to the Chief Administrator duly
signed by auditors by the
thirty-first of the following
month of March.
(2) Where immediately before the
commencement of these Regulations,
Regulation 57 of the Social
Security Fund Regulations, 1965 (L.I.
470) applied to the employer, and
he complied with that Regulation,
then only paragraphs (b) and (c)
of Regulation 54 (1) of these
Regulations shall apply to him.
Regulation 55—Interpretation.
In these Regulations, unless the
context otherwise requires—
"Board" means the Board of
Directors of the Trust set up
under the Decree;
"existing scheme" means any scheme
of pension, provident fund or
gratuity or a combination of any
of these schemes existing on the
lst day of July, 1972 (the date on
which the Decree came into force)
or any scheme started after that
date, but shall not include any
scheme applicable to exempt
persons mentioned under the
Schedule to the Decree;
“Fund” means the Social Security
Fund;
“Trust” means the Social Security
and National Insurance Trust.
Regulation 56—These Regulations
are to be Read as One with L.I.
777.
These Regulations shall be read as
one with the Social Security
(Unemployment Benefit)
Regulations, 1972 (L.I. 777).
Regulation 57—Revocation.
The Social Security Fund
Regulations, 1965 (L.I. 470) are
hereby revoked.
SCHEDULE
FORM SS 1
Surname First Name
Initials Social
Security Number
REPUBLIC OF GHANA
SOCIAL SECURITY DECREE, 1972
WORKER REGISTRATION CARD
EMPLOYER INDICATE
Employer Reg. No. Worker’s
Serial No. Normal Monthly Pay
PLEASE PRINT
WORKER’S
NAME
Surname First
Second
Init.
PREVIOUS
NAME
Surname First
Second
Init.
PERMANENT ADDRESS …………………(M)
SEX
(F) Single
(S)
Married (M)
Widowed (W)
Ghanaian (G)
Non-Ghanaian(N)
Daily Rated (D)
Monthly Rated (M)
Birth Date
Day..Mth..Year..
District …………… Home Town ………
Region …………… Religion ………….
NAME OF
FATHER
Surname First Name
Initials Title
NAME OF
MOTHER
Surname First Name
Initials Title
I
CERTIFY
THAT:
(1) I have never been registered
as a member of this FUND, and
(2) the facts stated above are
true and accurate.
…………………………..
………………………
Date
Signature of Worker
INSTRUCTIONS FOR COMPLETING
THIS CARD RIGHT THUMB
PRINT
If Right Thumb is missing check
Finger Imprinted:
1. One card only must be
completed and signed by each
worker.
2. All questions must be
answered.
3. Please print all
answers in ink or typewrite.
4. Do not soil or otherwise
mutilate this card in any way.
Remember this card will serve as a
permanent record for the purposes
of the Worker’s membership of the
Fund.
5. The employer must supervise and
certify the completion of this
Card. LEFT
RIGHT
T’MB X
index
3
4
5
FORM SS-1
REPUBLIC OF GHANA SOCIAL SECURITY
DECREE, 1972 CERTIFICATE OF
MEMBERSHIP
Name …………………………………..
Signature ………………………………
IMPORTANT.—Keep this Card
safely and show it to New
Employer. If you do not do so,
your contributions may go to
someone else. This Card will be
required when you make a claim for
benefits under the Act.
DUPLICATE
FORM SS-1B REPUBLIC OF
GHANA SOCIAL SECURITY DECREE, 1972
CERTIFICATE OF MEMBERSHIP
Name ………………………………..
Signature ..…………………………..
IMPORTANT.—Keep this Card
safely and show it to New
Employer. If you do not do
so, your contributions may
go to someone else. This Card
will be required when you make a
claim for benefits under the Act.
ORIGINAL
FORM SS-1A
RIGHT
THUMB PRINT
FORM SS-1
BENEFICIARY NOMINATION FORM
I
HEREBY nominate the person(s)
mentioned below to receive the
amount standing to my credit in
the Fund, in the event of my
death, and direct that the said
amount shall be distributed among
the said person(s) in the
percentages indicated below.
Name and Permanent Address of
Nominee Relationship to
Worker
Home town and Region Age of
Nominee Percentage
of Benefit
RIGHT THUMBPRINT
…………………..
….………………..
Date
Signature
I
CERTIFY THAT:
(1) Completion of both sides of
this form was properly supervised.
(2) The, thumb prints and
signatures on the two membership
certificates, on the reverse side
of this Card and entered above, I
witness as being those of the
worker named on this Card who is
employed by me/us.
(3) I have given the original
Membership Certificate to this
worker.
…………………………………………
.....…………..………………………………..
Name of
Employer
Signature of Employer or his
Authorised Agent
…………………………………………
…………..……………………………….. Address of
Employer
Title
TO ENSURE FREEDOM FROM WANT IN OLD
AGE AND FOR FAMILY
1. Continue working till
retirement. Membership of the Fund
continues under new employer also.
2. Nominate one or more Family
member(s) to receive benefits,
should you unfortunately die
before retirement; save them
expense, trouble and destitution.
3. Keep Annual Statements of your
Account carefully as record of
your rapidly mounting
accumulations.
4. Refer inquiries to NPF
Inspector of your area, or to the
Chief Administrator of the Fund,
P.O. Box M.149, Accra.
FACE THE FUTURE WITH
CONFIDENCE. TO ENSURE
FREEDOM FROM WANT IN OLD AGE AND
FOR FAMILY
1. Continue working till
retirement. Membership of the Fund
continues under new employer also.
2. Nominate one or more Family
member(s) to receive benefits,
should you unfortunately die
before retirement; save them
expense, trouble and destitution.
3. Keep Annual Statements of your
Account carefully as record of
your rapidly mounting
accumulations.
4. Refer inquiries to NPF
Inspector of your area, or to the
Chief Administrator of the Fund,
P.O. Box M.149, Accra.
FACE THE FUTURE WITH
CONFIDENCE.
___________
FORM SS 2
………………………………. SOCIAL SECURITY
NUMBER
……………………………. NO. OF WORKERS
See 6 (1) below
REPUBLIC OF GHANA
SOCIAL SECURITY DECREE, 1972
EMPLOYER REGISTRATION CARD
1. NAME OF EMPLOYER
………………………………………………………………
2. ADDRESS OF
EMPLOYER
Street P.O. Box No.
Town Office Tel.
3. NAME OF HEAD OFFICE
……………………………………………………………
4. ADDRESS OF HEAD
OFFICE
Street P.O. Box No.
Town Office Tel.
5. DESCRIPTION OF ECONOMIC
ACTIVITY ENGAGED IN
……………………….............…………………………………
....................................................................……………………………………………………………………………………………
6. I HEREBY CERTIFY THAT—
(1) As of the
.........................day
of.........................1972, I
have……………… workers on my payroll
who are subject to be covered
under the provisions of the Social
Security Decree, 1972;
(2) I am returning
herewith…………………………………...
Workers Registration Cards duly
completed;
(3) I undertake to submit the
remaining
.........................Workers
Registration Cards duly completed
as soon as possible;
(4) I am returning herewith
........................................
blank Workers Registration Cards
which is/are in excess of my
requirements.
Date………………………….
……........................……………………...………
Signature of Employer or his
authorised Agent
_____________
FORM SS 3
REPUBLIC OF GHANA
SOCIAL SECURITY DECREE, 1972
To the Chief
Administrator,
Social Security
Fund,
P.O.
Box
M.149,
Accra.
ADVICE OF PAYMENT OF CONTRIBUTIONS
EMPLOYER REGISTRATION No.
……………………………………………………..
NAME………………………………………………………………………………………
ADDRESS
…………………………………………………………………………………
IN RESPECT OF CONTRIBUTIONS FOR
THE….….................…… MONTH(S)
ENDED …………………..19…….
¢
p
THIS AMOUNT INCLUDES CHANGES MADE
ON THE LIST OF CONTRIBUTORS
ATTACHED HERETO
AMOUNT DUE FOR PERIOD
ARREARS B/FORWARD
..
TOTAL PAID ..
..
..
*CHEQUE No. ) …………………………………DATE
………………………………...
M.O./P.O. )
*BANK AND BRANCH PAID TO
……………………………………………………….
*BANK BRANCH No. ……………………………………..
…….......………………… Employer's
Signature
Date…….......................................……………
N.B.—This form should be forwarded
to the Chief Administrator, as
soon as possible, attached to:—
either (i) the duplicate copy of
the paying-in-slip, and list of
contributors, or
(ii) the duplicate copy of the
official receipt and the list of
contributors, or
(iii) the remittance.
FOR USE IN OFFICE OF FUND
Certified that the above total
amount has been verified on the
*Paying-in-Slip/* Official receipt
No………………….
……………………… Initials of Officer
Date…...................
*Delete if inapplicable
FORM SS 4
REPUBLIC OF GHANA
SOCIAL SECURITY DECREE, 1972
THE CHIEF
ADMINISTRATOR,
SOCIAL SECURITY
FUND,
P.O. BOX
M.149,
ACCRA.
APPLICATION FOR PAYMENT OF
SUPERANNUATION OR INVALIDITY
BENEFIT
IMPORTANT: N.B.—Any person who
makes a false statement or
representation or produces or
furnishes or causes to be produced
or furnished any information which
he knows to be false in a material
particular is guilty of an offence
under the SOCIAL SECURITY DECREE,
1972.
Member's A/c No.
as on Certificate of
Membership
{Full Name
{Surname
………………………………………… {
(Block Letters)
Particulars of {Other Names
…………………………………………………………… member
{
(Block Letters)
{Son
{_______
of………………………………………………………………
{
Daughter
{
Date of
Birth…………………………….....…………………………...
I
wish to claim the whole amount due
to the above-described account in
the SOCIAL SECURITY FUND.
The condition under which I claim
payment of the benefit is marked X
below. My Certificate of
membership is forwarded herewith.
I have attained the
age of 55/50 years and retired
from employment as a worker
on……………………………..
…………………………………………………………..
I am a permanent
invalid unable to work and attach
a medical certificate to that
effect ………………………..
Payment Instructions
Full Postal Address to which the
cheque for payment should be
sent:—
(IN BLOCK LETTERS)
…………………………………………………………………
…………………………………………………………………
Signature of person making
application and Date
…………………………………………………………………
Right thumb impression of person
making application
Signature of Witness
……………………………………………………………………...........
Address
……………………………………………................................................................
…………………………………………………………………….....................…………
CERTIFIED that the above-named
member has ceased to be employed
by me due to
superannuation/permanent
invalidity/with effect from
…………………………………….........
…………………………………… Signature
of Employer
Registration No. of
Establishment……………
Date…………………………………………..
FOR USE IN HEAD OFFICE OF FUND
Benefit Authorised:
Amount of last
balance
.. ..
.. ¢
*Age Add: (a)
Interest ..
.. .. ¢
(b)
Contributions received since
.. ¢ ________________________
*Invalidity
Less: Subsidiary benefit paid
since .. ¢
__________________________
Net amount
payable
.. .. ¢
________________________
Cheque No…………………………. for
¢……………………..issued on
……………….......
…………………………………Initials
Payment of Benefit )…………………………….
Date…………………………………........ listed
for posting
)
Initials
Member's record
extracted
Initials
*Delete what does not apply
FORM SS 5
REPUBLIC OF GHANA
SOCIAL SECURITY DECREE, 1972
THE CHIEF
ADMINISTRATOR,
SOCIAL SECURITY
FUND,
P.O. BOX M.149,
ACCRA.
APPLICATION FOR PAYMENT OF
SURVIVOR'S BENEFIT
Important.—The deceased's
membership card and a copy of the
certificate of death should
accompany this form unless they
have been, or are being, sent in
by some other claimant.
Employer's Reg. No. Member's
Acct. No.
Fund Account particulars
..
..
{Full Name
………………………………………………………...
{Son
Particulars of member {_______ of
……………………………………………………….
{Daughter
{Date of birth
……………………………………………………....
I
claim payment of the whole or part
of the amount due to the
above-described account in the
Social Security Fund on the
following grounds:—
1. That the member of the Fund
died testate/intestate*
*2. That the deceased was at the
time of his death subject to
customary law and I am (or I the
claimant and
……………………………………………………..…………..are)*
solely entitled to the benefit.
*3. That the deceased was at the
time of his death subject to
Moslem law and I am (or I the
claimant and
………………………………………………..……………….are)*
solely entitled to the benefit.
*4. That I am the executor,
administrator, or next of kin, or
guardian*.
*5. That application for
probate/Administration* of the
deceased's estate has/has not*
been made.
*6. That to the best of my
knowledge and belief the only
other relatives of the deceased
member of the Fund who may claim
to be entitled are (here set out
names of widow, widower, child,
father, mother, brothers and
sisters as the case may be if
known to the claimant)
……………………………………………………..……………………….
I
declare that where the foregoing
facts are within my own personal
knowledge they are true and where
they are not within my personal
knowledge I verily believe them to
be true.
Station……………………………..
Date
……………………………….
....…….…….........................................…………………
Signature and impression of right
thumb of claimant
Declared at ………............this
………………………..day of…………………….19….
Witness:
Occupation ………………………………
Address ………………………………….
……………………………………………
………………......................……………..
Signature of Witness
_____________________
*Delete or amend as necessary.
N.B.—The witness must be a
Magistrate; a Justice of the
Peace; and Officer in charge of a
Police District; a Labour Officer
or a civil servant, Local
Government or Native Authority
Officer not below the rank of a
clerical officer; a Registered
Medical Practitioner; an Advocate
or Solicitor; or Consul, or
official of no less status outside
Ghana.
FOR USE IN HEAD OFFICE OF FUND
Survivors' Benefit Authorised:
Amount of last balance
.. ..
.. .. ¢
Add: (a) Interest
.. ..
.. .. ¢
(b) Contributions
received
since ..
¢ ________________________
Less: Subsidiary benefit paid
since ..
.. ¢ ________________________
Net amount payable
.. ..
.. ..
¢________________________
Cheque No…………………………. for
¢……………………..issued on ……………….
Initials
…………………………………….
Payment of Benefit listed for
posting.....……………Date…………….Initials……....……….
Contributor’s record extracted
……………......…Initials……………………………………..
_____________
FORM SS 6
REPUBLIC OF GHANA
SOCIAL SECURITY DECREE, 1972
THE CHIEF
ADMINISTRATOR,
SOCIAL SECURITY
FUND,
P.O. BOX M.149,
ACCRA.
APPLICATION FOR EMIGRATION BENEFIT
N.B.—The Certificate of membership
should accompany this form.
Employer's
Reg. No. Member's Acct. No.
Fund Account particulars
..
..
{Full Name Surname
……………………………………………………
{
(Block Letters)
Particulars {Other Names
……………………………………………………………
{
(Block Letters)
{Son
{_______
of………………………………………………………………
{
Daughter
{ Date
of
Birth………………………………………………………………...
I
wish to claim the whole amount due
to the above-described account in
the SOCIAL SECURITY FUND.
*
I left/am leaving Ghana
on…………………………………………………………………with no
intention of returning. My future
address will be
……………………………………….........
……………………………………………………………………….………………………......
Payment instructions.—Full postal
address to which the Warrant for
payment should be
sent:……………………………………………………………………….……………………...
(Block Letters)
……………………………………………………………………….…………………………..
Post Office/Sub-Treasury at which
payment is
desired…………………………….…………...
………………………………………………………………………………….......*Post
Office
Sub-Treasury
Delete what does not apply.
N.B.—Any person who makes a false
statement or representation or who
produces or furnishes or causes to
be produced or furnished any
information which he knows to be
false in a material particular is
guilty of an offence under the
Decree.
Witness……………………………………………………………………….……………......…
Signature and right thumb
impression
Address…………………………………………………… Date
……………………………
FOR USE IN HEAD OFFICE OF FUND
Benefit Authorised:
Emigration Grant
Amount of last
balance .. ..
.. .. ¢ : p
Add (a)
Interest ..
.. .. ..
¢ : p
(b) Contribution received
since .. ¢
: p
_______________________
Less: Subsidiary
benefit paid since
.. ¢ _______________________
Net amount
payable ..
.. ..
¢_______________________
Cheque No…………………………. for
¢……………………..issued on ….....…………….
…………………………………Initials
Payment of Benefit listed for
posting
)…………….........…………Date………………..Initials
Contributor’s record
extracted
…………………….Initials
…………………….Initials
FORM SS 7
REPUBLIC OF GHANA
SOCIAL SECURITY DECREE, 1972
THE CHIEF
ADMINISTRATOR,
SOCIAL
SECURITY
FUND,
P.O. BOX
M.149,
ACCRA.
APPLICATION FOR SICKNESS BENEFIT
IMPORTANT.—The medical certificate
overleaf should be completed by a
registered medical practitioner.
Member's Account No.
Fund account particulars
{Full Name Surname
…………………………………………………….........
{
(Block Letters)
Particulars {Other Names
…………………………………………………………......…..
(Block
Letters)
{Son*
{_______
of………………………………………………………………......
{
Daughter*
{ Date of
Birth
…………………………………………………………...........
I
claim sickness benefit for the
period from
……………………………………to..………………during
which period I was ill and
incapable of work.
*I was not in receipt of any
payment from my employer for that
period.
Payment instructions.—Full postal
address to which the payment of
benefit should be addressed
……………………………………………………………………….…………….
……………
…………………………………………………………..............……………(in
Block Letters)
……………………………………...
Witness…………………………
Signature and right
thumb impression of
member Address
…………………………
…………………………………..
*Strike out what does not apply.
EMPLOYER'S CERTIFICATE
Certified that the above
statements are correct. The
claimant was not in receipt of any
emoluments during such sickness.
……………………… Signature
of Employer
Registration No
……………..
MEDICAL CERTIFICATE
Certified that the above-named has
been medically examined by me
today. He has been ill/appears to
have been ill for not less than
the past three months and is
likely to remain absent from work
due to illness for the next
……………………months/weeks/days.
Signature of Doctor
…………………………………..........
Full
name………….……………………………….............
Address ……………………………………………….......
Medical qualification
………………………………...........
Date…………..............................Registered
No………………………………………..........
N.B.—Any person who makes a false
statement or representation or who
produces or furnishes or causes to
be produced or furnished any
information which he knows to be
false in a material particular is
guilty of an offence under the
Decree.
FOR USE IN HEAD OFFICE OF SOCIAL
SECURITY FUND
Benefit
Authorised: Cumulative
amount of benefit already
Sickness Benefit
received .. ..
.. .. .. ¢
Add: Benefit now authorised
.. .. ¢__________________
Total .. ..
.. .. .. ¢
Balance in member's account
.. .. ¢
__________________
Cheque Number………………. for
¢………………...issued
on……….…............……Initials
Initials……………........……….
Payment of benefit listed for
posting ..……………………… Date
…………………..….......
Initials…………………….........
FORM SS 8
REPUBLIC OF GHANA
SOCIAL SECURITY DECREE, 1972
AUTHORITY TO RECEIVE THE AMOUNT OF
BENEFIT ON BEHALF OF MEMBER
Important.—When completed this
form must be stamped as a power of
attorney under the Stamped Duties
Ordinance.
Employer’s Reg. No. Member’s A/C
No.
FOR OFFICIAL USE ONLY
Number of Cheque……………
Date of Cheque……………….
Fund Account
Particulars
TO WHOM IT MAY CONCERN
I, the undersigned, being the
person entitled to benefit or a
refund of contributions on the
above-described account, do hereby
authorise ………………………………………
whose signature and thumb
impression are hereunder affixed
to receive on my behalf the sum
due to me for which sum the
receipt of the above-named person
shall be a proper discharge.
As witness my hand this
…………………………day of …………………19………
…………………………………………….........
Signature and right thumb
impression of Claimant
*Signed in the presence of
....……………………………...........
Address………………………………………………...........….
Office or
Qualification…………………………........................
Signature and right thumb
impression of person authorised to
receive
payment………….............
………………………………………………………………………………………………
When the person giving the
authority cannot read and write
English, the following certificate
should also be signed:—
I
certify that this authority,
before being signed by the said
……………………………..has been first
audibly, clearly and distinctly
read over to him in my presence
and hearing, when the said person
appeared perfectly to understand
the same and made his mark
thereto.
………………………
*Signature of Witness
_______________________
*This form must be signed in the
presence of a person of any of the
following classes:—
(1) A Magistrate
(2) A Justice of the Peace
(3) An Officer in charge of a
police district
(4) A Civil Servant or Local
Government or Native Authority
Officer not below the rank of
Clerical Officer.
(5) A Registered Medical
Practitioner
(6) An Advocate or Solicitor
(7) A Consul or official of no
less status outside Ghana.
REPUBLIC OF GHANA
SOCIAL SECURITY DECREE, 1972
CERTIFICATE OF APPOINTMENT
PHOTOGRAPH Under the
provisions of subsection (1) of
section 10 of the SOCIAL SECURITY
DECREE, 1972
…………………………………………………………….
(Name in full)
………………………………………………........
………………………………… is
hereby appointed and authorised to
exercise the Holder’s
Signature
functions of an Inspector under
the aforesaid Decree
………………………………………………
Chief
Administrator,
Social Security and National
Insurance Trust
ACCRA.
Date………………………
SOCIAL SECURITY AND NATIONAL
INSURANCE TRUST GHANA
IDENTITY CARD
FORM SS 9
______________
REPUBLIC OF GHANA
SOCIAL SECURITY DECREE, 1972
TO THE CHIEF
ADMINISTRATOR,
FORM SS
10
SOCIAL SECURITY
FUND,
P.O.
BOX
M.149,
ACCRA.
ACKNOWLEDGEMENT OF RECEIPT
RECEIVED with thanks the sum
of………………………………Cedis ……………….
…………….... pesewas (¢………) being the
amount of …………………………………
…………………………………………………..in
respect.............of ……………………
…………………………………………………………………………………………….
RIGHT
HAND
EXEMPT
{
FROM
{………………………………… STAMP Name
of Member/{Signature of
Member/Payee
DUTY
Payee {
THUMBPRINT OF
Member's Registration No.
…………………………………………………………….
__________________
FOR USE IN CHIEF ADMINISTRATOR'S
OFFICE ONLY
The above amount was authorised in
papers No………………………………………
and has been listed for posting.
………………………… Signature of Official
_____________
COLONEL I. K. ACHEAMPONG
Commissioner Responsible for
Finance
Date of Gazette Notification: 27th
April, 1973.
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