Examining The Coverage And The Sustainability Of Social Security And National Insurance Trust

ABSTRACT

The purpose of this study is to examine the coverage and the sustainability of social security and national insurance trust. The study used the purposive sampling method to choose a sample size of 127, 10 clients of SSNIT and 117 employees of SSNIT. Additional information was also received from the company’s documents, magazines and journals as a source for secondary information. The results of the study indicated that 74.6% of SSNIT staff thought that an increase in coverage would lead to the sustainability of the pension scheme. The study also revealed that 59.32 % of respondents believed that the major driver for pension schemes was retirement security. However, 36.4% of staff thought that SSNIT had to tackle a lot of its major challenges including the administrative bureaucracies that exist in the organization. The study therefore recommends the inclusion of the informal sector as a way of increasing coverage, adoption of new IT solution to handle SSNIT’s data needs, and tax treatments in the form of tax deductibles for employers who pay SSNIT contributions.