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Let’s treat our pensioners with respect and dignity!
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!
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The driver stopped the vehicle at the gate of the large, fenced property along the Nsawam Highway, and Kakraba stepped out to meet the several workers who had gathered to wait for him.
He greeted them and went straight to the point.
“Gentlemen, I am glad to see that you have almost completed the clearing of the land. I’m happy to report that we have concluded all arrangements with Nana Serebour, and construction of the palace will start in a few days.
“I will need you to go and level the ground, and then come back to start this project. Some workers from a construction company will come and join us.
“My plan is to build twenty houses in four months. Then we will do twenty more until we reach two hundred.
“I am relying on you to help me deliver good-quality work to satisfy our clients and, as I have already indicated to you, I will reward you for your work.”
After an hour’s discussion, he closed the meeting and moved to drive away. Wofa Yaw drew closer.
“Director, can you please spare me five minutes? I would like to discuss a small issue.”
“Why, Wofa Yaw? Your wife has threatened to leave you?”
“No, Director. My wife will never leave me. This concerns a young niece of mine.”
“I hope it’s something I can help with. Please sit in the car and let me hear you.”
“Boss, my niece, Beesiwa, is a polytechnic graduate, very beautiful and with very good character.
“Unfortunately, her parents virtually forced her into a relationship with an idiot based in the US, which affected her badly. She has now recovered from that experience and, Boss, I am respectfully asking if you would find a job for her.
“I promise you that you will never regret it.”
“Well, Wofa Yaw, let me meet her and speak with her. I may be able to help, maybe not in the way you expect, but let me meet her.
“I will not be back here for another week, but I will be at the office throughout next week. You can come with her.”
On Monday morning, Wofa Yaw and Beesiwa were seated at the office by nine o’clock. Three young ladies welcomed them warmly, offered them soft drinks and assured them that Kakraba would be there shortly.
They then returned to their desks and sat behind computers with large screens displaying various building designs.
Kakraba walked in and greeted them warmly. After chatting briefly with the three ladies, he ushered Wofa Yaw and Beesiwa into his office.
“Director, this is my niece, Beesiwa. I mentioned her to you when you came to Nsawam.”
“Yes, indeed. Madam Beesiwa, you are very beautiful, just as your uncle said. Wofa Yaw is my colleague.
“We have just started a building project that will take about three to four years. He mentioned that you have a small problem, so I said I would like to meet you and see how I can help.
“So, Beesiwa, please tell me a little about yourself.”
Beesiwa described her childhood, her school experience, her brief work at the bank and the nasty episode with Sammy Abrokwa, which shattered her peaceful life. She also explained how she had been recovering from the experience.
“I am really sorry to hear this,” Kakraba said. “Now, here is what we are going to do.
“We are a small but very busy company. The three ladies out there spend most of the day on site and come back to report on their work in the morning.
“I have three main projects. The big one is an estate project in Nsawam, where your uncle is one of my main colleagues. I need a personal assistant who can take care of my activities, especially when I am not in town.
“Now, we will have to start with trust. Based on what I know about Wofa Yaw, and based on what you yourself have told me, I think we can start on a sound basis.
“So, Wofa Yaw will take you to my home. You can move into one of the four guest rooms.”
“Sir, I have taken some computer lessons, and I have even done graphics and web design,” Beesiwa said.
“Fantastic! I will give you a good phone and a laptop. I will also arrange computer lessons for you.”
“Now, Wofa Yaw, take her home. My sister, Kuukuwa, will meet you and show you around, and then you can return to Koforidua.
“When would you like to start work?”
“Sir, I would like to start today, but I would need to go and bring my things.”
“No problem. Take a taxi to my house, meet my sister, and let me know what you decide.”
Later that day, Kakraba and the three ladies met with some bank officials to conclude the sale of the three buildings at Adabraka.
They closed at five-thirty and, after rewarding the ladies for their hard work, Kakraba got home just after dark.
He was surprised to find Kuukuwa and Beesiwa sitting at the table enjoying supper.
“What’s happening here?” he asked. “Beesiwa, I thought you would return to Koforidua.”
“She changed her mind,” Kuukuwa said. “We went to the mall and bought a few things for her. Then we came back to cook. She has made some nice changes to your bedroom and cooked a couple of interesting dishes. Sit down; we will serve you.”
“Well, I certainly can’t refuse that. It’s been a busy day.
“So, what’s the plan now? Will Beesiwa go to Koforidua tomorrow, gather her things together and come down?”
“No, I will stay here for a while,” Beesiwa replied. “Kuukuwa bought me the things I need, so I may go back next week. I’m ready to start work. What would you like me to start with?”
“Well, you can come to the office tomorrow morning, meet the three girls and get a feel for what we do.
“Since you are living here, at least for now, we can discuss the plans for the next few weeks.
“Sometimes there are gaps when I travel up north. You can take care of things from now. I think the girls would like having someone like you around.”
By Ekow de Heer
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A frequent question following breast surgery is whether human tissue possesses the regenerative capacity to restore an excised organ.
From a strict physiological standpoint, a completely removed breast cannot regrow. Unlike certain organisms that can regenerate complex limbs or organs, adult human tissues—particularly specialised glandular structures—lack the cellular machinery required to rebuild an entire organ after its total surgical removal.
Instead, the body heals the surgical site through processes such as scar tissue formation and re-epithelialisation rather than complete cellular regeneration.
What a mastectomy actually removes
To understand why natural tissue regeneration does not occur, it is important to examine the surgical scope of a mastectomy.
Depending on the type of procedure and the medical reason for surgery, a mastectomy may involve the removal of:
Glandular architecture: The milk-producing lobules and ducts that form the functional core of the mammary gland.
Adipose tissue: The fatty tissue that contributes to breast volume, projection and contour.
Other breast tissue: The extent of tissue removal varies according to the type of mastectomy and the need to achieve appropriate surgical clearance.
Because specialised breast structures are physically removed, the body does not rebuild a complete mammary gland. Instead, healing occurs through tissue repair and scar formation.
Distinguishing residual tissue from “regrowth”
Patients or observers may notice changes in the chest area after surgery, sometimes leading to misconceptions about tissue regeneration.
Skin- and nipple-sparing procedures
Modern breast surgery may preserve the outer skin envelope or, in selected cases, the nipple-areola complex. Small amounts of breast tissue may remain depending on the surgical technique. Any changes in remaining tissue due to hormonal fluctuations represent residual tissue responding to the body, rather than the regrowth of a completely removed breast.
Adipose accumulation
Weight gain after surgery can increase the amount of subcutaneous fat across the chest wall. However, this is part of general body fat distribution and does not represent the regeneration of a mammary gland.
Modern reconstructive pathways
Because a completely removed breast does not naturally regenerate, modern medicine offers reconstructive options aimed at restoring physical symmetry, contour and body image.
The two main approaches are implant-based reconstruction and autologous, or tissue-based, reconstruction.
Implant-based reconstruction
Implant-based reconstruction uses synthetic medical devices, typically filled with silicone gel or saline, to rebuild the breast mound following a mastectomy.
The two-stage process: This approach may begin with the placement of a temporary tissue expander to gradually create space and stretch the surrounding tissues. A later procedure may then be performed to place a permanent implant.
Recovery profile: Implant-based reconstruction generally involves a shorter initial surgery and recovery period compared with procedures that require tissue to be harvested from another part of the body.
Long-term considerations: Breast implants are not lifetime devices and require ongoing medical monitoring. Some patients may need additional procedures over time because of complications or changes in the implant or surrounding tissue.
Autologous or tissue-based reconstruction
Autologous reconstruction uses the patient’s own living tissue to create a new breast mound. Tissue may be transferred from another part of the body, commonly the lower abdomen, using procedures such as a DIEP flap.
Natural look and feel: Because the reconstruction uses living tissue, it can provide a natural warmth, texture and softness. The tissue may also change with the patient’s body weight over time.
Long-term durability: Once healing is complete, autologous reconstruction can provide a long-lasting result without the need to replace an implant. However, some patients may still require further procedures.
Complex surgery: This option usually involves a longer operation and recovery period. In microsurgical procedures, surgeons may need to reconnect tiny blood vessels to establish blood flow to the transferred tissue.
Direct comparison
When choosing between these two reconstructive pathways, patients and their surgical teams must consider several physical, medical and lifestyle factors.
Surgical burden: Implant surgery is generally less invasive, while flap reconstruction involves surgery at both the chest and the donor site.
Foreign material versus native tissue: Implants involve the use of a medical device, while autologous reconstruction uses the patient’s own tissue.
Recovery: The recovery timelines and rehabilitation requirements differ significantly between the two procedures.
Recovery and physical rehabilitation
Recovering from breast reconstruction requires patience, careful pacing and, in some cases, structured physical rehabilitation.
Because implant-based and autologous tissue-flap procedures involve different surgical techniques, their healing timelines and physical therapy milestones can vary considerably.
Understanding these differences is important for patients considering reconstruction, as the choice involves more than restoring physical appearance. It also requires careful consideration of recovery, long-term monitoring, lifestyle and individual medical needs.
Part 2 will examine recovery timelines, physical therapy milestones and other factors patients should consider when choosing between reconstructive options.
By Robert Ekow Grimmond-Thompson
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