Features
Let’s treat our pensioners with respect and dignity!
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A 72-year-old pensioner, using a walking stick, once walked to a bank in Accra which was quite a distance from his house in an anticipation of withdrawing his meagre pension allowance. The old man was acting on a payment scheduled calendar prepared by the Social Security and National Insurance Trust (SSNIT) on the monthly pension allowance to beneficiaries of the National Pension Scheme.

Looking tired, weak and frail, the fairly old man got to the bank only to be told that SSNIT had not forwarded the monthly pension to the bank to enable them to authorize payment of his allowance and, therefore, he could not withdraw his money. Visibly confused and dejected, the man nearly collapsed. Just imagine the terrible and harrowing condition in which the old man found himself in at that particular moment.He was disappointed and disturbed, especially in a situation where he had to walk a long distance to the bank. But for some good Samaritans at the banking hall who mobilised some funds to give to the old man, the situation would have been dangerous and the worse could have happened.
DELAYS IN PAYMENT OF PENSIONS
There are other negative instances across the country in which SSNIT, managers of the Pension Scheme, has not lived up to expectation and delayed in the payment of pension to beneficiaries and has failed to communicate or explained to them the reason behind the delay in sending their money to the various banks and as a result some of these old men were placed in a very tight corner because for some of them, their monthly pension allowance has been their only source of revenue for their livelihood since they don’t have any dependants to fall on in times of financial difficulties. In very few occasions, messages are sent on mobile phones in an anticipation that beneficiaries will read and be informed about further delay in the processing of entitlements, but not everyone owns some of these android phones, more so, how many of such old men can access, use or manipulate these phones?
A typical example of the delay in payment of the pension was in the month of February where it delayed for a couple of days. Per the payment calendar issued by SSNIT at the beginning of the year, the pension is paid and routed to the various banks every third Thursday of each month. This arrangement has been duly communicated to the beneficiaries and, therefore, they are aware of the date and have obviously, budgeted for the money. It is that prior notice, that inspires and entices the beneficiaries to go to their respective banks to withdraw their entitlements. If payments are not made at the stipulated date and no communication or proper explanation is given by SSNIT, it disorganises and dampens their spirit. One would expect SSNIT to use the mass media especially, the electronic and print to communicate to them about the change of date and the reason behind it to alleviate any potential problems and sufferings by beneficiaries not to keep them in the dark.
SSNIT MUST SIT UP AND SHOW ADEQUATE FAITH TO PENSIONERS
For goodness sake, it is very important and necessary for SSNIT to show adequate faith to the beneficiaries of the scheme and also keep to whatever promise and assurance in the payment of the pension allowance to deserving pensioners. If for any circumstance beyond its control that tends to affect the date of the payment as stipulated on the calendar, it is wise and necessary for SSNIT to publish it for the beneficiaries to be aware of the new date but that should not even be stretched to the discomfort of the beneficiaries of the scheme. Once this is done, the thousands of old men who troop to their banks which are the only sources of receiving their entitlements, will take precaution and minimise the resultant stress involved.
We need to accord pensioners the highest and greatest respect and treat them with dignity in view of their greatest sacrifices and immense contribution to society and the country in general. Treating them with kit gloves means you are disrespecting them and that amounts to cursing oneself.
WHO QUALIFIES FOR PENSION?
For the sake of my readers let me throw a little light on the pension age in Ghana and who is entitled to pension. Until the debate of the new retirement age of 65 years currently in progress is concluded and adopted in the country, the current retirement age is 60 years in accordance with the National Pension Act 2008 (Act 766) as amended by the National Pensions (Amendment Act 2014) Act 883.
For full pension, a worker must have attained 60 years of age (55 years if working under hazardous conditions) with at least 180 months (15 years) of contributions. An early pension is also available to workers from age 55 years with at least 18 months (15 years) of contributions. There are three main types of pension, the state pension paid by the government, occupational pension (your pension through work) and private personal payment.
The Social Security and National Insurance Trust (SSNIT) has been mandated by law to administer the pension scheme in the country. Percentage of monthly salaries of public sector workers is paid to SSNIT which holds the money in trust for workers as retirement benefits. The scheme is opened to the private sector workers also.
HOW IS THE YEARLY PERCENTAGE INCREASE CALCULATED?
One particular issue that needs to be clarified by SSNIT is how the yearly percentage increase to pensioners is calculated. At times, one sees the percentage going up to as far as 18 per cent increase while in some instances, it comes down to as low as 10 per cent. This situation creates a bit of doubt and anxiety among beneficiaries, thus making them to assign political connotations to the payment procedures. It was time SSNIT came out to educate pensioners about the method used in calculating yearly percentage adjustments in order to set the records straight.
TREATMENT GIVING TO PENSIONERS IN ADVANCED COUNTRIES
It is important to state that in some foreign jurisdictions across the globe, it is the pensioner who enjoys most. Everything is subsidised for them to enjoy because they are considered people who have sacrificed for the betterment of their countries. They enjoy tax rebates when they visit various shopping centres malls to purchase commodities. Pensioners are held in high esteem, in the United States of America (USA), United Kingdom (UK), Germany, China and many other advanced nations across the globe. However, in Africa especially our own country, Ghana, pensioners are looked down upon and treated with disdain. This does not augur well for our democratic advancement.
PENSIONERS ASSOCIATION MUST BE PROACTVE
The leadership of the Pensioners Association of Ghana needs to be proactive and fight for the interest of its members not to sit aloof while pensioners are taken for a ride and giving a raw deal by SSNIT and its collaborators, otherwise that confidence reposed in them by members will be lost. There are a number of pensioners who are yet to join the association because they don’t see the vibrancy of the association in coercing SSNIT for that matter the government to address the problems of members.
We need to know that pension is something that nobody can avoid as far as public sector worker is concerned. That is why it is important to provide the needed comfort to pensioners as they relax in the comfort of their homes to enjoy the fruits of their labour. It is equally important for public sector institutions to provide their workers with good and better salaries because pensions are worked on individual monthly salaries of workers. Pensioners in this country deserve better than what exists now!
Contact email/WhatsApp of author: ataani2000@yahoo.com
0277753946/0248933366
Features
International character of Ghanaman and more

The average modern Gold Coaster born and bred in Sikaman is an adventurous creature. Go to any part of the world and you’ll find Ghanaman diligently slugging it out either in the snow or in hot sweltering weather, earning a decent living.
Go to Guinea and see Ghanaman in the garb of a herbalist, curing the sick of various ailments. He makes the Guinean understand that not all diseases are caused by James Lucifer alias Jimmy Satan. On the contrary, most diseases are caused by kooko which can even attack the human nose and turn it upside down.
That kooko is also the cause of poverty and the internal bleeding of personal back-pocket economies. And that kooko can be cured using the chemistry underlying Sikaman herbal medicine which has been blessed by the gods of Larteh.
And before Ghanaman starts dispensing his herbal concoctions, he must attract the passing crowd with some Sıkaman-originated choreography, akin to a combination of adowa and agbadza, such that the dancer can easily dislocate a shoulder and start crying for his mother.
When the crowd is enough to form a quorum, Ghanaman must perform magic as a side-attraction, and proceed to sell his drugs. The drugs are genuinely made from potent herbs which the Pharmacy Board of Sikaman says it has no confidence in. Believe me, Ghanaian herbalists are practising in neighbouring countries like Guinea, Cote d’Ivoire, Sierra Leone and Benin, while we are discouraging them from practising in Sikaman.
Go to Las Palmas and see Ghanaman as a fisherman. He sails on Korean-owned boats and is forced to eat garlic and raw tuna for radiant health. The garlic is also supposed to protect him against witches. But sometimes, he is not good bedfellows with some Korean crew members, and once in a while a fight breaks out.
The typical Korean is a Kung Fu expert and before displaying a golden dragon data. He must first terrify Ghanaman with a Korean dance which consists of wild arms and leg throwing. But Ghanaman is usually not daunted. Why has he been eating cancer kenkey all years without developing cancer? It mean is a superhuman capable of countering Kun fu side-kicks to the ribs.
Anyhow Ghanaman’s most potent arsenal lies in his fists. If he is a southpaw, it mean left fist is probably insured and can cause damage. When Ghanaman lands a cassava blow and it lands on a Korean chest, it has the effect of a cruise missile. If there is no ceasefire a funeral cannot be ruled out.
Greenland
Go to Alaska and find Ghanaman there. Greenland, Iceland, Brazil, Argentina, Madagascar, everywhere and you’ll find him. He has become an international citizen and is generally lauded for his hardwork, sincerity and honesty.
However, some bad nuts are also condemned and despised.
The world and all its parts and corners are for the human race, and anyone can choose to live anywhere and earn a decent living so long as he doesn’t misconduct himself or become a social misfit and a law unto himself.
Sıkaman for instance accepts foreigners, and we are so liberal that people just come in through our borders and we welcome them with the best palmwine in town and goat light soup. Who cares about passports and visas? Our hospitality is, as it were legendary.
So we have Liberians, Nigerians, Sierra Leoneans, Togolese, Europeans, Americans, Scandinavians and Koreans in Sikaman. And some of them have misinterpreted our overzealous accommodation to mean “foolishness” and are misconducting themselves.
The newspapers carry stories of some unscrupulous Nigerians stealing, defrauding and collaborating with their Sikaman counterparts to rob people. You’ll find some good and law-abiding Liberians around but some other Liberians are in the business of fraud, robbery, money printing, money doubling, anything criminal.
Ghanaian hospitality can no longer be extended to such people. I do not think Ghanaians will be treated kindly either, when they misbehave anywhere in the world. Those who come from outside with the intention of bringing down their evil deeds and to practise them here professionally must be getting ready because Ghanaians are getting fed up with the menace.
These days, you’ll find strange people following you as soon as you emerge from a bank. If you are not careful, they’ll wrestle your briefcase from you and speed away in a waiting taxi.
Someone was just saying that many foreign criminals are flocking to Ghana because in their countries, they are enable to operate either because they are being looked for by the police for offences committed or fear instant justice at the hands of mobs. Ghanaians, it is said, are humanitarian in dealing with criminals.
Well, in some African countries, a thief who is being chased runs directly to the police station in his own interest and begs the officer at the counter to lock him up. Otherwise he’ll be lynched or be burnt to death. In Ghana, it is the opposite. The thieves run far away from the cop stations.
The criminals must reform and stay peacefully in Sikaman or quit. No court case!
This article was first published on Saturday September 5, 1998
Features
The architecture of existence: How we live and die
The human condition is defined by two absolute, biological bookends: the commencement of complex cellular animation and its ultimate, irreversible cessation.
For centuries, medicine treated life and death as strictly separate states. Today, modern pathology and molecular biology reveal a more profound truth: the mechanisms that allow us to live are the exact same mechanisms that dictate how we die.
Understanding this relationship is no longer just a philosophical pursuit. It is a clinical necessity for managing public health in the 21st century.
Part I: How we live – The mechanics of animation
At its core, biological life is a continuous, high-stakes battle against entropy (the natural tendency of systems to degrade into disorder). To maintain form, consciousness, and function, the human body relies on three fundamental pillars:
1. Cellular respiration and energy production
Every second of human life is powered by the conversion of oxygen and glucose into Adenosine Triphosphate (ATP), the universal energy currency of our cells. This process occurs within the mitochondria.
Without a constant supply of ATP, the microscopic pumps that maintain electrical gradients across our cell membranes fail, causing cellular collapse within minutes.
2. Homeostasis: The balancing act
To survive, the internal environment of the body must remain incredibly stable, regardless of external chaos. This balancing act, known as homeostasis, regulates:
Blood pH: Strictly maintained between 7.35 and 7.45.
Core Temperature: Ideally kept around 37°C (98.6°F).
Electrolyte Balance: Precise ratios of sodium, potassium, and calcium that allow nerves to fire and muscles to contract.
3. The Autonomic Nervous System (ANS)
The ANS acts as the invisible conductor of life, split into two complementary branches:
Part II: How we die – The path of cessation
Death is rarely a singular event; it is a progressive biological cascade. Whether caused by old age, chronic illness, or sudden trauma, the final pathways of mortality generally follow a predictable trajectory.
1. The cellular horizon: Senescence and Apoptosis
Every time a human cell divides, the protective caps at the ends of its chromosomes-telomeres-shorten. Eventually, telomeres become so depleted that the cell can no longer divide safely. It enters senescence (a state of permanent arrest) or triggers apoptosis (programmed cell death). This gradual, systemic loss of cellular renewal is the underlying engine of aging.
2. The clinical cascade of somatic death
When the body can no longer maintain homeostasis, somatic death (the death of the organism as a whole) begins. This occurs in a distinct sequence:
1
Clinical Death
Zero to four minutes
The heart stops pumping blood, and respiration ceases. While breathing and circulation have ended, the body’s tissues still contain residual oxygen and cellular energy reserves. At this stage, resuscitation is often still possible.
2
Brain Death (Infarction)
Four to six minutes
Deprived of fresh oxygenated blood, the brain’s highly sensitive neurons begin to starve. Lacking ATP, the brain cells lose their electrical charge, swell, and begin to burst. Permanent, irreversible neurological damage occurs within minutes.
3
Biological Death
Hours to days
The organs fail entirely. Without central control or blood flow, individual cells throughout the body consume their final energy reserves. Enzymes that once aided digestion begin to break down the body’s own tissues from the inside out, a process known as autolysis.
Part III: The modern collision of life and death
In the modern era, the boundary between how we live and how we die has blurred. Historically, humanity died primarily from infectious diseases and acute trauma. Today, global mortality is dominated by non-communicable, chronic lifestyle diseases.
Modern Pathology: How we live (the cause) how we die (the result)
Cardiovascular disease, chronic stress, poor diet, and lack of sleep keep the sympathetic nervous system hyper-activated, damaging blood vessels .Occlusion of coronary arteries leads to myocardial infarction (heart attack) or ischemic stroke.
Metabolic syndrome over nutrition and physical inactivity overwhelm cellular mitochondria, leading to systemic insulin resistance. Multi-organ failure, chronic kidney disease, and severe vascular complications.
Neurodegenerative Disorders Chronic systemic inflammation and sleep deprivation prevent the brain from clearing metabolic waste. Gradual loss of synaptic connections, leading to dementia and the eventual loss of basic autonomic functions.
Conclusion: The unified theory of health
Ultimately, how we live directly shapes the path of how we die. The micro-choices of daily existence-how we manage emotional stress, the quality of our rest, our communal connections, and our nutrition-either preserve the integrity of our homeostatic systems or accelerate their decline.
True medical advancement is shifting away from merely extending the final, frail stages of biological death. Instead, the focus is turning toward optimising our living years-ensuring that the intricate, beautiful machinery of human animation runs smoothly until its natural, quiet conclusion.
By Robert Ekow Grimmond-Thompson




