Best Pension Lawyers in Ghana

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Founded in 1990
200 people in their team
English
Bentsi-Enchill, Letsa & Ankomah was founded in 1990 with the mission to provide our clients with excellent market-leading legal services. Over the years, we have built a reputation for our extensive knowledge and experience  from working on the most complex transactions and disputes for...

Founded in 2021
10 people in their team
English
As our name - SUSTINERI ATTORNEYS implies, we are sustainable legal practitioners using our signature structured approach - START (Start up Legal Toolkit- Transactions- Advisory - Regulatory - Training) - which allows us to work with clients in the design of legal solutions that resolve immediate...

Founded in 1976
50 people in their team
English
The firm S. K. Boafo & Company, (Gye Nyame Chambers) was established in Adum, Kumasi in 1976. Initially registered as a sole proprietorship, it was converted into a limited liability company on 17th February 2003 and issued with a certificate to commence business on 18th February 2003. The firm...

Founded in 2013
10 people in their team
English
Afenyo-Markin, Okutu and Associates is a registered law firm under the laws of Ghana and certified by the General Legal Council. The firm was formed by two partners,  Alexander Afenyo-Markin and Bernina Korkor Maseyo Okutu, all distinguished legal practitioners.  Apart from the two...
Nsiah Akuetteh & Co.
Accra, Ghana

Founded in 2001
50 people in their team
English
Nsiah Akuetteh & Co. is a firm of Barristers, Solicitors and Consultants. The firm is led by an experienced lawyer who worked in both the public sector and private sectors of the economy with over 30 years experience at the Bar. The firm has extensive experience and expertise in the area of...
K-Archy & Company
Accra, Ghana

Founded in 2000
50 people in their team
English
K-Archy & Company comprises of legal practitioners of the highest repute. Our expertise in legal representation covers a broad range of areas including: corporate and securities, environmental and health law, administrative and labour law, tax, immigration, human rights, property, commercial...

Founded in 2014
50 people in their team
English
Senet Corporate Solicitors is a reputable corporate law firm in Ghana set up to offer corporate clients with proactive, practical and prudent legal advisory services which cuts across the spectrum of our clients’ critical business and legal issues. Senet is well positioned to offer services to...
Stabit Advocates
Accra, Ghana

Founded in 2000
173 people in their team
English
French
Stabit Advocates LLP (https://www.stabitadvocates.com) is one of the top law firms in the world and stands as a beacon of legal excellence, recognized as one of the top law firms in East Africa, Africa and Globally with over 75 practice areas. Our firm is synonymous with top-tier legal expertise,...
Axis Legal
Accra, Ghana

Founded in 2000
50 people in their team
English
A leading legal firm with relevant experience in Corporate and Commercial advisory and LitigationWelcome to our leading legal firm, where we specialize in Corporate and Commercial advisory and Litigation services. At Axis, we take our role as counsel and advocates with a profound sense of...
Ntrakwah & Co.
Accra, Ghana

Founded in 1984
50 people in their team
English
Our Ghana lawyers don’t just know local business law-we help create it.Felix Ntrakwah founded Ntrakwah & Co. in 1984.Felix helped draft the new Companies Bill for Ghana, currently before Parliament, as a member of the Committee of Experts.Felix served as a member of the International Chamber...
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About Pension Law in Ghana:

Pension in Ghana is governed by the National Pensions Act, 2008 (Act 766). This Act provides the legal framework for the establishment of a contributory three-tier pension scheme. The three tiers include a mandatory basic national social security scheme, a mandatory work-based occupational pension scheme, and a voluntary privately managed provident fund and personal pension scheme. Understanding pension laws in Ghana is crucial for securing your retirement benefits.

Why You May Need a Lawyer:

You may need a lawyer in situations such as disputes over pension benefits, understanding your rights and obligations under the pension scheme, negotiating terms of your pension plan, or seeking legal advice on pension-related matters. A lawyer can help you navigate the complex legal landscape surrounding pension in Ghana and ensure that your rights are protected.

Local Laws Overview:

The key aspects of local laws relevant to pension in Ghana include the National Pensions Act, 2008 (Act 766), which establishes the three-tier pension scheme. The Act governs the contributions, administration, and benefits under the pension scheme. Additionally, the Labour Act, 2003 (Act 651) contains provisions related to pension entitlements of employees. It is important to be familiar with these laws to understand your rights and obligations regarding pension in Ghana.

Frequently Asked Questions:

1. What is the three-tier pension scheme in Ghana?

The three-tier pension scheme in Ghana consists of a mandatory basic national social security scheme, a mandatory work-based occupational pension scheme, and a voluntary privately managed provident fund and personal pension scheme.

2. How are pension contributions calculated in Ghana?

Pension contributions are typically calculated as a percentage of an employee's salary. The specific contribution rates may vary depending on the tier of the pension scheme.

3. Can I access my pension benefits before retirement age?

Generally, pension benefits are meant to be accessed upon retirement. However, there are certain circumstances where you may be able to access your benefits earlier, such as in cases of disability or severe financial hardship.

4. What happens to my pension if I change jobs in Ghana?

If you change jobs in Ghana, you can transfer your pension contributions to your new employer's pension scheme or to a personal pension scheme. It is important to notify your pension scheme administrator to facilitate the transfer process.

5. How can I resolve disputes related to my pension benefits?

If you have disputes related to your pension benefits, you can seek legal advice from a lawyer specializing in pension law. They can help you navigate the dispute resolution process and ensure that your rights are protected.

6. Are employers required to contribute to their employees' pension schemes in Ghana?

Yes, under the National Pensions Act, 2008, employers are required to contribute to their employees' pension schemes. The specific contribution rates may vary depending on the tier of the pension scheme.

7. What are the tax implications of pension contributions in Ghana?

Pension contributions are typically tax-deductible in Ghana, which means that you can reduce your taxable income by the amount of your contributions. However, the tax treatment of pension benefits may vary depending on the specific circumstances.

8. Can I contribute to more than one tier of the pension scheme in Ghana?

Yes, you can contribute to multiple tiers of the pension scheme in Ghana. However, it is important to understand the implications of contributing to each tier and seek advice from a financial advisor or lawyer if needed.

9. What happens to my pension benefits if I pass away before retirement?

If you pass away before retirement, your pension benefits may be payable to your beneficiaries or dependents, depending on the terms of your pension scheme. It is important to designate beneficiaries and keep your pension records up to date.

10. How can I track my pension contributions in Ghana?

You can track your pension contributions by maintaining records of your contributions and benefits statements provided by your pension scheme administrator. It is important to regularly review your statements to ensure accuracy and address any discrepancies.

Additional Resources:

For more information on pension in Ghana, you can visit the Social Security and National Insurance Trust (SSNIT) website or contact the National Pensions Regulatory Authority (NPRA) for guidance on pension laws and regulations.

Next Steps:

If you require legal assistance or advice on pension matters in Ghana, consider consulting with a lawyer specializing in pension law. They can help you understand your rights, navigate the legal system, and ensure that your pension benefits are protected. Remember to gather relevant documentation, such as your pension statements and employment contracts, before seeking legal advice.

Lawzana helps you find the best lawyers and law firms in Ghana through a curated and pre-screened list of qualified legal professionals. Our platform offers rankings and detailed profiles of attorneys and law firms, allowing you to compare based on practice areas, including Pension, experience, and client feedback. Each profile includes a description of the firm's areas of practice, client reviews, team members and partners, year of establishment, spoken languages, office locations, contact information, social media presence, and any published articles or resources. Most firms on our platform speak English and are experienced in both local and international legal matters. Get a quote from top-rated law firms in Ghana - quickly, securely, and without unnecessary hassle.

Disclaimer:
The information provided on this page is for general informational purposes only and does not constitute legal advice. While we strive to ensure the accuracy and relevance of the content, legal information may change over time, and interpretations of the law can vary. You should always consult with a qualified legal professional for advice specific to your situation. We disclaim all liability for actions taken or not taken based on the content of this page. If you believe any information is incorrect or outdated, please contact us, and we will review and update it where appropriate.