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
