The protection measures which society provides for its members

1. The protection measures which society provides for its members -through a series of public measures against economic and social distress -caused by stoppages or substantial reduction of earnings -resulting from sickness, maternity, employment injury, unemployment, disability, old age, death, provision of medical subsidies for families with children. Social Security in Tanzania What are good practices related to contributory Schemes Irene C. Isaka, Director General THE NATIONAL POVERTY POLICY WEEK 25TH -27TH November 2013; DSM By: Irene Isaka, DG-SSRA

2. The protection measures which society provides for its members -through a series of public measures against economic and social distress -caused by stoppages or substantial reduction of earnings -resulting from sickness, maternity, employment injury, unemployment, disability, old age, death, provision of medical subsidies for families with children. Definition Protection measures provided by society against economic and social distress caused by stoppages or substantial reduction of earnings resulting from sickness, maternity, employment injury, unemployment, disability, old age, or death.

4. The protection measures which society provides for its members -through a series of public measures against economic and social distress -caused by stoppages or substantial reduction of earnings -resulting from sickness, maternity, employment injury, unemployment, disability, old age, death, provision of medical subsidies for families with children. THE FRAMEWORK Framework Tier three: Supplementary Social Security Schemes – voluntary contributions from members Tier two: Mandatory Social Security Schemes – mandatory deductions from salaries Tier one: Universal, Social Assistance Schemes – funded by tax payers

5. MLE PMO-RALG MoF MoH SSRA NSSF LAPF PPF GEPF NHIF PSPF Prepared by Irene Isaka

6. Social security coverage formal schemes Coverage = 1,674,932 of 19,783,648 = 8%

7. BENEFIT STRUCTURE

8. The protection measures which society provides for its members -through a series of public measures against economic and social distress -caused by stoppages or substantial reduction of earnings -resulting from sickness, maternity, employment injury, unemployment, disability, old age, death, provision of medical subsidies for families with children. Membership 1.8mln Contribution 1.6 Trl Benefits 1.06 Trl Pensioners 87,000 Investments 4.9 Trl Assets 6.4 Trl

9. Recent Initiatives in Regulatory framework Enactment of the Social Security (Regulatory Authority) Act, No.8, of 2008 Adoption of the National Social Security Policy, 2003 • Establishment of the Social Security Regulatory Authority; 2010

10. The protection measures which society provides for its members -through a series of public measures against economic and social distress -caused by stoppages or substantial reduction of earnings -resulting from sickness, maternity, employment injury, unemployment, disability, old age, death, provision of medical subsidies for families with children. Gorvernance Governance structure Structure

11. GOVERNANCE HIGH LEVEL MANDATORY SCHEMES Ministry responsible for scheme Ministry responsible for Social Security Legislation, policy formulation, issuance of regulations and orders Appointment of trustees, performance oversight SSRA Registration, Issuance of guidelines, inspection& supervision Translation of legislation, strategic planning, approval of internal policies Scheme trustees Scheme management Implementation of policies, guidelines and strategic plan

12. The protection measures which society provides for its members -through a series of public measures against economic and social distress -caused by stoppages or substantial reduction of earnings -resulting from sickness, maternity, employment injury, unemployment, disability, old age, death, provision of medical subsidies for families with children. Inadequacy CHALLENGES Fragmented benefits Limited coverage

13. INITIATIVES TO IMPROVE LIVELIHOOD • TO IMPROVE THE ACCESSIBILITY AND ATTRACTIVENESS OF SOCIAL SECURITY TO MIDDLE AND LOW INCOME • OVERCOMING CHALLENGES OF ENFORCEMENT

14. INITIATIVES – financial literacy

15. INITIATIVES TO IMPROVE LIVELIHOOD • Enrollment: • E- registration to short code with mobile phone • Auto Enrollment with purchase of other products using mobile phone registration. • Receiving Contributions; • Mobile money payments • Paying of benefits: • Initiating claim through mobile phone and payment through the mobile money • Administration of scheme: • Public cloud: integrate mobile with online database?

16. ENABLING TECHNOLOGIES Technologies in use CUSTOMISED DELIVERY CHANNELS; - Use popular channels – mobile money – see statistics below for Tanzania

17. ENCOURAGING ENROLLMENT How to encourage enrollment

18. Multi-dimensional impact of social security benefits adequacy Poverty Reduction • Benefits adequacy • shares the benefits of economic growth. • Makes any economic reform programme more pro-poor. • Increases the likelihood of success of the reforms. • Improve nutrition health, and education outcomes. • Protects people from shocks and directly supports well-being. • Protects assets. • Enables economy to better with stand shocks. • Provide economic automatic stabilizer. • Strengthens bond between state and people. Economic reform Human Capital Social security adequacy Livelihood Social Cohesion Risk Management Economic Resilience

19. The protection measures which society provides for its members -through a series of public measures against economic and social distress -caused by stoppages or substantial reduction of earnings -resulting from sickness, maternity, employment injury, unemployment, disability, old age, death, provision of medical subsidies for families with children. www.ssra.go.tz 2nd Floor Alpha house, Bagamoyo road Tel: 022 2761681 info@ssra.go.tz Future Direction ASANTENI SANA