The Social Security and National Insurance Trust (SSNIT) has increased the maximum insurable earnings for contributors under its scheme, effective January 1, 2026.
According to a public notice issued on January 14, 2026, SSNIT, in consultation with the National Pensions Regulatory Authority (NPRA), has raised the ceiling from GHS 61,000 to GHS 69,000, representing a significant adjustment for employers and workers on higher incomes.
The revision, SSNIT said, is in line with Section 63(3) of the National Pensions Act, 2008 (Act 766), which mandates periodic reviews of pension contribution thresholds to reflect economic conditions.
Following the increase, the maximum annual contribution payable to SSNIT will rise to GHS 9,315 from 2026. This will affect contributors whose earnings meet or exceed the new insurable limit.
SSNIT has urged employers and members of the scheme impacted by the change to take note of the revised ceiling and ensure that the correct pension contributions are paid from the effective date.
The adjustment is expected to enhance long-term pension benefits for contributors while increasing inflows into the national pension scheme.
