MEMORANDUM

From: Branch Manager/Cape Coast TO: SUB: General Manager/Operations RE: ITS TIME FOR CHANGE

BMCC/SSA/9/8/ 11th February, 2013

WORKER REGISTRATION The hunted and the dug new members must be nurtured and retained through frequent inspection. This will further ensure sustainability of the scheme. Registering of new members should not be seen as an opportunity for target achievement but a clear chance of increasing active membership of the scheme. We must ensure harmonious customer corporate interface by i. Handling Customers courteously. ii. Responding to customers queries timely. iii. Anticipating customers needs through probing interview in order to provide satisfactory solutions to customers problems. DIFFICULT EMPLOYER Recalcitrant t employers should be made to pay the cost incurred in prosecuting to retrieve the arrears DISTRESSED EMPLOYER All employers are at one time or the other in distress. It is obvious that an employer makes profit, breaks even or incurs losses. These are the dynamics of every business entity. Distress is not a permanent condition, is always preceded or preceded by an upsurge in profit. Distressed employers with proven history of compliance may be given the opportunity to negotiate on flexible terms of payment. Our sympathy to the employer if any should not travel beyond the glaring opportunity to negotiate. Any other support apart from negotiation provides a fertile ground for the scheme to collapse.

ELOYER AS A HELPER The employer is rather helping himself or herself by fulfilling his/her civic obligation of contributing into a social protection fund, nationally crafted to replace salaries and other emoluments of workers on retirement and to pay benefit to survivors in the event of death of a contributor. NEGOTIATIONS Employers who for once breach the terms of negations are deemed uncompromising and such offer should not be made available to such an employer anymore even in his/her supposed distressed situation. THE CLAIMANT AND THE RESPONSILBILITY TO CORRECT GAPS IN STATEMENT OF ACCOUNTS It worth noting that, benefit is our finished production as pension fund operators. It therefore provides strong basis for the public to assess our performance in terms of adequacy and timely payment of benefit. Our collective target is to put a smile on the face of a pensioner and the dependent. Our burden of explanation of the concept of social security to a prospective customer will be lessened when we achieve this height. We therefore owe contributors, claimant and pensioners a duty to keep accurate accounts of their contribution. Gaps in statements call for retrieval of supplementary contribution report of affected member and hence fall within the domain of compliance officer or any SSNIT officer assigned to do that. It is therefore a renege on our responsibility to request an affected contributor to update us with these sensitive data. In fact is a green light for contributors to rob the scheme with unauthenticated and unreliable data. We must ensure the following:1. Ensure timely update of pension to prompt workers of gaps in statement. 2. Eliminate instances of build up by ensuring date integrity.

THREAT OF LAY-OFF

Educate workers to report any misconduct or misbehavior of their employer to Commission on Human Right and Administrative, Labour Commission etc.

OTHER CONTRIBUTIONS BY THE STAFF WERE: 1. Enforcement of Contribution Report Submission by the last day of the month: 2. Be able to access information in any office all over the Country. Wide Area Network. 3. Decentralization of number generation to reduce the high incident of invalids in our system. Branches must be permitted to generate SSNOs. 4. Function of Records Department as custodian of records should decentralised. 5. Member crediting - After validating and payment going through. Later a list is given but that some members are not credited. The system at times reduces the number of months that has been credited. Employees of G.E.S. always complain of amount indicated against them. Others come with their pay slips to challenge. The inconsistency of EBOS should be critically examined and addressed. 6. Age 54 and above Exercise must be re-engineered.

7. Conflicting Option Codes in the System especially those who attained the age of 55 in 2010. Some did not opt hence have different option code. It is time to reset everything.