Contributors under the Social Security and National Insurance Trust (SSNIT) will now have a higher maximum insurable earnings limit, effective January 1, 2026.
The increase is expected to boost long-term pension benefits for contributors while strengthening inflows into the national pension scheme.
In a notice released on January 14, 2026, SSNIT, in collaboration with the National Pensions Regulatory Authority (NPRA), announced that the ceiling for insurable earnings has been increased from GH₵ 61,000 to GH₵ 69,000. The move reflects an adjustment for higher-income workers and their employers.
Under the revised limit, the maximum annual contribution payable to SSNIT will rise to GHS 9,315 starting this year. The change applies to all contributors whose salaries meet or exceed the new insurable earnings threshold.
SSNIT explained that the adjustment is in accordance with Section 63(3) of the National Pensions Act, 2008 (Act 766), which requires periodic reviews of contribution limits to align with prevailing economic conditions.
The Trust has urged employers and affected contributors to ensure that contributions are updated in line with the new ceiling to avoid discrepancies.
