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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.

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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?

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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?

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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

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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

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Press freedom & the bearded goat

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journalists covering assignment

THE journalist is a hunter. He goes after human rats and grasscutters personified, matters about whom he can salt and spice and present as news. The fatter and juicier the catch, the better, because sensation is essentially our cup of tea.

Sikaman Palava
Sikaman Palava

Our job is to sell news and sell it in grand style.

Because the journalist is a hunter and is created with a special kind of nose for sniffing out news, he is usually not welcome in many places. He is seen as someone who has been born to make people uncomfortable.

The problem is that some people don’t want things written about them even if it is promotional and favourable. When it entails publishing their pictures alongside the story, they are doubly scared.

“Please, don’t use my picture. People will think I’ve got money and come for loan,” someone told me.

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Anyhow, journalists are seen as intruders, undesirables, born with plenty of okro in the mouth; maybe some also in the nose. Some of my friends are no longer too close because they fear I’d give them full coverage in the Sikaman Palava column. Ha ha ha! What a funny world!

Well, people like my Uncle, Sir Kofi Jogolo, my former classmate and born-mathematician, Kwame Korkorti, and ex-football star cum human-salamander Kofi Kokotako don’t mind featuring in the hilarious inches of this column. Kofi Owuo alias Death By Poverty is one personality who has to be mentioned in this palaver.

These are people who are going to live long, primarily because they see the world as one big ball of fun. When Kwame Korkorti was told that his dear mother was dead at home, he smiled and asked the bearer of the message whether his mother had cooked the afternoon meal before claiming she was dead. Until her death, Korkorti ate his lunch at his mother’s end.

When my Uncle Kofi Jogolo was picked and lost 1,500 dollars and a good amount of Sikaman currency, he didn’t lament the loss. Instead he was amused. In fact, he was almost glad about it, because he grinned from ear to ear, stroked his delicate moustache and congratulated the thief, adding that “He is smarter than I am.” Yeah, Jogolo is the man who employs a Swedish barber to trim his moustache.

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And when Kofi Kokotako was unemployed and was nearly hit by an articulated truck, he called the driver a fool. “The idiot should have killed me,” he said to me. “Didn’t he know I was unemployed and suffering?”

Today, Kokotako is employed as a Reverend and is not doing badly at all. Thanks to the regular silver collection.

And what about Kofi Owuo, the celebrated poor man. His wife left him not because he was poor, but because he swore in front of her that he would never prosper.

The following dawn the wife packed bag and baggage and went back to her parents and told them all about her husband’s alliance with poverty. Her parents were bewildered and called the alliance unholy. They had no option than to send back Owuo’s drinks to end the marriage.

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Kofi Owuo alias Death By Poverty did not contest the issue. He was more engrossed thinking about how to become poorer than to contest what he called a frivolous matter. The wife could go to hell, he said. These are people longevity smiles upon. Nothing worries them.

Getting back to talking about journalists. I’d say that anywhere there is journalism, the issue of press freedom is not too far away. Is the press free? That’s one question foreigners want answer to when they are on visit.

Well, journalists celebrate a yearly WORLD PRESS FREEDOM DAY to drum home the idea of press freedom as a very important thing in the practice of journalism.

This year’s was celebrated almost a fortnight ago but people didn’t see much of us because we are normally not good celebrants. We should have mounted a float to roam the entire capital, dancing asaboni to brass band music just like PTC did recently.

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Although journalists are known to be very good dancers because they walk very much, on that day, they were all busy writing. It was the Minister of Information, Mr Kofi Totobi Quakyi who saved the day by addressing a forum organised to mark the day.

He is a man I’ve always admired since his radical university days. He spoke much on press freedom, cautioning the press not to abuse the freedom granted by the Fourth Republican constitution, but to use it for the progress of society.

Well, press freedom has been defined by many journalists as the freedom to ‘write nonsense’. This definition is not quite accurate. I asked one staff reporter to define press freedom. It took him fifteen minutes to put up something.

“Press freedom is the freedom that is enjoyed by the press that enables journalists to publish or broadcast any kind of material so long as it is absolutely true, is not libelous and slanderous, and is not against the national interest.”

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I gave him eight out of 10, a straight A. I guess every journalist is old enough to know that certain things he or she writes is for or against the national interest. We certainly must guard against writing against the national interest; that is very important.

There is also the question of criticising government. The government can be criticized, so long as the criticisms are genuine and the President and his ministers are not insulted and called names. Let us criticize, but let us do it decently so that the journalistic profession can be revered, and its nobility acknowledged. We are not war mongers, are we?

One area in which journalists are not spoken well of is the complaint that they misquote people. Journalists sometimes misquote people, but in four out of five complaints it turns out that nobody is misquoted after all.

When we interview people they say things unreservedly and we publish unreservedly. When the publication is out and their friends or superiors read it and accuse them of having said too much to the press, then they start claiming they were misquoted.

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We have encountered these ‘misquotation palaver’ every now and then and reporters are usually accused of this transgression. However, when they bring out their note-books or recorders, it is realised that they wrote nothing out of the way. “Book no lie”.

My advice to people who deal with the press is that if they do not want anything written, they shouldn’t say it. What they want to say is OFF-RECORD, then of course, there is no reason to say it. When you say it, you’re taking a risk. In that instance, you can’t also claim to have been misquoted or words put into your mouth.

And it isn’t every journalist who would be circumspect in matters that are supposed to be off-record, because journalists often want to be as sensational as possible to make their stories saleable. So say just what you want to see published and you won’t later regret it and claim you were misquoted.

Well, I’m not holding brief for journalists, because a few of us are notorious for colouring our reports sometimes sand-papering the words so much that they look very bright in front of readers.

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As I once said, when the police tells one such notorious pressman that the thief stole a brown goat, the pressman would want to know whether the goat was bearded. Of course, the police would say ‘Yes’.

However, in the press report, it appears, “A gang of notorious goat-thieves were apprehended in the early hours of yesterday. In the car in which they were riding was a brownish-red goat having a long beard. Upon further examination, it was realised that the goat also had a greyish moustache.”

When the story appears, the police are naturally disturbed. A single thief turns out to be a gang of thieves. The goat also becomes a chameleon and changes colour to brownish-red. And a moustacheless goat overnight wears a greyish moustache whether you like it or not. Luckily the journalist does not add that the moustache was trimmed by a Swedish barber.

Yes, we have a few of such mischief-creating, chronically notorious journalists. But they are one in a hundred. In any case, we make the world. And we shall always do our best to make it a happy place to live in.

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 This article was first publish on Saturday, May, 20, 1995

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Mindset change: The Greater Works factor- Part 2

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When I hear of people who are of the opinion that they cannot make it in life unless they travel abroad, l become sad.  

Whenever I see on TV, news of people, that is migrants who have drowned in the Mediterranean Sea, while attempting to cross to Europe, l become filled with sadness and then anger. 

The underlying factor is desperation born out of loss of hope, in life.  When an individual tends to believe that his only hope of making it in life is to travel abroad, the risk of dying at sea, does not deter him or her. 

The role of some pastors on shaping the mindset of people, especially the youth, leaves much to be desired.  You hear them declaring on various media platforms how they can pray for you to get a visa to travel abroad, instead of encouraging them to find something to do to improve their lives as the Bible teaches that God will bless the work of their hands.

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The GREATER WORKS CONFERENCE is geared towards renewing the minds of people with a specific focus on people of African descent to rid themselves of the negative perception of lack of capacity to excel in life.  

Pastor Mensa Otabil believes that every human being, no matter the skin colour, was created in the exact image of God and therefore has the capacity to do exploits. 

The whiteman was not created in the image of God while the Blackman was created in the image of something other than God.  The Black person therefore can achieve whatever the whiteman can achieve.

 The development in terms of industrialisation that is lacking which has generated unemployment for the youth, is due to lack of effective leadership.  The lack of moral integrity in society, is what is causing the lack of job opportunities, which is as a result of corrupt acts which drive away private investment.

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A culture of inferiority complex exists which needs to be dealt with, so the African can develop the self worth necessary for personal development which can then result in capacity deployment to avhieve personal goals. 

Success in life begins with the individual’s recognition that he or she is capable of achieving the dreams he or she has conceived in his or her mind.  The Bible teaches that the fear of the Lord is the beginning of wisdom, and the knowledge of the holy is understanding according to Proverbs 9:10. 

Christianity was the driving force behind the development of Europe because no society can sustain development without high moral values.  GREATER WORKS therefore is a deliberate project to shape the minds of people, especially the youth, who will become the leaders of our future, to prioritise morality in their daily lives.

This is the only way to see a massive transformation in every aspect of our lives as Ghanaians and Africans in Ghana and the rest of the continent.

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Since the inception of the GREATOR WORKS CONFERENCE, it has made a lot of impact in the lives of many people from the youth up to the senior citizens level.  I recall the testimony of a church member who was motivated and pursued higher education and became one of the youngest Chartered Accountants in this country.  Year after year, the impact of the conference has been enormous and lives in Ghana and across the continent, are being transformed. 

Black people have started regaining their self confidence and the youth have started getting into areas that previously were considered out of bounds.  At a personal level, certain ideas that some years ago, l would have not dreamt about suddenly has become realistic dreams. 

The Christian lifestyle has impacted on my children and those close to me.  Mindset change starts with one individual, then another and then gradually it spreads like a viral infection until a critical mass is attained and them a massive impact.  There is hope for the future.

By Laud Kissi-Mensah

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