Workers Compensation Fund

INTRODUCTION
Workers Compensation Fund (WCF) is a social security scheme established in accordance with Section 5 of the Workers Compensation Act [Cap 263 Revised Edition of 2015].
The main purpose for the establishment of the Fund is to provide for adequate and equitable compensation for employees who suffer occupational injuries or contract occupational diseases arising out of and in the course of their employment and in case of death, for their dependants.
OBJECTIVES
The objectives of the Fund are:
a)Provision of adequate and equitable compensation to employees
b)Implementation of the National Social Security Policy of 2003 which requires having a system in place to cover contingencies for work-related injuries, diseases and deaths
c)Implementation of provision of Section 5 of the Workers Compensation Act [Cap 263 Revised Edition of 2015]
d)Provision of a framework for effective, prompt and empathetic consideration, settlement and payment of compensation benefits
e)Provision of a framework for control and administration of contributions to and payments from the Fund
f)Promotion of prevention of accidents and occupational diseases
g)Provision of rehabilitation services
h)Compliance with international obligations with respect to workers compensation
FUNCTIONS
The functions of the Fund are:
a)Registration of all employers in Mainland Tanzania
b)Assessment of risk exposure at work places and tariffs determination
c)Collection of contributions from employers
d)Investment of available funds
e)Payment of compensation to employees
f)Maintenance of statistics for all occupational accidents, diseases and deaths
g)Promotion of prevention of occupational accidents, diseases and deaths
h)Public education and awareness programs.

Health Insurance Schemes

Health Insurance Scheme provides coverage for medical/health care services. With focus to ensure quality health care services to employees in the public, private, other groups, is available, accessible and affordable to members and their respective legal dependents, the National Health Insurance Fund as was established as a Public institution under the Act No.8 of 1999 [CAP 395 As Amended]

According to the NHIF Act, employers and employees in the public sector are obliged to register themselves and contribute to the Fund a total of six per centum of each employee’s monthly basic salary which is equally shared between employer and employee. The Fund has put in place a separate contribution arrangement for other special groups such as students, clergy, associations and private individuals registered by the Fund.

Community Health Fund

Community Health Fund (CHF) is a voluntary scheme established by the Act No. 1 of 2001. CHF is a pre-payment council based scheme aimed at facilitating the community to access health care at an affordable premium that is determined by the community itself.

Currently, a total of 164 CHFs have been registered by the authority.

Pension Schemes

Social security is aimed at enabling people to live a respectable life where they can meet their basic needs even in the event of social and economic disasters that lead to reduction or cessation of income. Such disasters could be death or disability. Social protection also addresses reduced income that may result from old age, maternity or sickness.

It is therefore, social security a right to everyone. This right is contained in the constitution of the United Republic of Tanzania article 11(1) and the National Social Security Policy of 2003. This right is also classified in the Universal Declaration Human Rights of 1948 and International Labor Organization (ILO) charters.

Social Security System

In Tanzania, the Social Security system is divided into (3) three tiers/pillars;

Tier One – Social Assistance Schemes 

This constitutes provision of services such as primary health; primary education, water, food security and other services on a means tested basis. These services are usually financed by the government and Non-Governmental Organizations (NGOs).

Tier Two – Mandatory Schemes 

These are usually compulsory and contributory schemes financed by both employer and employee during the working life for terminal and short-term benefits.

Tier Three – Voluntary or Supplementary Schemes    

The schemes under this tier include personal savings, co-operative and credit societies, occupational pensions schemes and private schemes; managed by employers, professional bodies, community based organizations and other private sector actors

  1. PENSION FUNDS

Pension fund is a common asset pool meant to generate stable growth over the long term, and provide pensions for employees when they reach the end of their working years and commence retirement. In the mainland Tanzania, there are two mandatory Social Security Schemes that are all regulated by SSRA. They include;

  • National Social Security Fund (NSSF)
  • Public Service Social Security Fund (PSSSF)

Importance of Social Security (Pension Funds):

  • Extends Social Security coverage
  • Reduces poverty among Tanzanians
  • Increases protection for Tanzanians in aspects such as education, health, maternity, disability and old age.
  • Boosts economy through investments and opportunities for entrepreneurs through various social groups
  • Contributes to the development of various projects of the Government
  • Increases employment to Tanzanians through projects facilitated by Pension Funds

Benefits offered by Social Security Schemes:

There are two kinds of benefits offered by the pension Schemes. These are short term benefits and long term benefits:

  • Long term benefits
  1. Old age (Pension) 
  2. Invalidity 
  3. Survivors’ 
  • Short term benefits
  1. Medical care 
  2. Employment injury
  3. Maternity
  4. Death/Funeral benefit
  5. Education

Involvement of  Informal sector in Social Security Sector:

Tanzania, like many other countries in the developing world has had strong informal and traditional social security systems built on family and/or community support.

Informal sector has been involved in social security system through joining Supplementary schemes offered by social security schemes.

To Issue Guidelines

A guideline is a statement by which to determine a course of action. A guideline aims to streamline particular processes according to a set routine or sound practice. Guidelines may be issued by and used by any organization (governmental or private) to make the actions of its employees or divisions more predictable, and presumably of higher quality.

The Social Security (Regulatory Authority) Act   CAP.135 R.E 2015 under Section 5(1) (c) empowers the Director General to issue guidelines to the schemes for efficient and effective operations of social security sector.

GUIDELINES ISSUED

SSRA have issued 14 Social Security guidelines so far, and those are Security Schemes (Data Management) Guidelines, revised edition, 2018, Social Security (Conduct of Affairs of the Board of Trustees of Schemes) Guidelines, revised edition, 2018, Social Security (Schemes Conduct of Actuarial Services).Guidelines, revised edition, 2018,Social Security Schemes Investment Guidelines, revised edition, 2018,Social Security Schemes Membership Registration) Guidelines, revised edition, 2018,Social Security Schemes (Totalization of Contributions Periods).Guidelines, revised edition, 2018,Social Security Schemes Security of Electronic of Information Guidelines, revised edition, 2018, Social Security Schemes (Conduct of Affairs of Annual Members Conference)Guidelines, revised edition, 2018,Social Security Schemes Reporting Standard Guidelines, revised edition, 2018, Social Security Schemes (Interoperability ) Guidelines, revised edition, 2018,Social Security Schemes (Risk Management) Guidelines, revised edition, 2018,Social security schemes (Administration expenses) guidelines, revised edition, 2018,Social Security Schemes (Funding level) guidelines, 2018,Social security schemes (umbrella schemes), 2018

Workers Unions satisfied with their engagement in Pension Schemes Merging

“Mnyonge mnyongeni lakini haki yake mpeni! Katika zoezi hili la kuunganisha mifuko sisi vyama vya wafanyakazi tumeshirikishwa kwa kiwango kikubwa sana, tumeshirikishwa kuanzia hatua za maoni mpaka kwenye vikao vya maamuzi hivyo matokeo ya kuunganishwa kwa mifuko ni juhudi zetu sisi sote kama vyama vya wafanyakazi, vyama vya waajiri na serikali kwa pamoja” hii ni kauli ya Rais wa Shirikisho la Vyama vya Wafanyakazi (TUCTA), Ndugu Tumaini Nyamhokya wakati akitoa neno la utangulizi kwenye semina ya Hifadhi ya Jamii iliyoandaliwa na Mamlaka ya Usimamizi wa Sekta ya Hifadhi ya Jamii (SSRA) kwa wajumbe wa Baraza Kuu la Tucta jijini Dodoma.

Kumekuwepo na maoni mbalimbali kutoka kwa wadau juu ya namna zoezi hili la kuunganisha mifuko ilivyoendeshwa, wengine wakihoji ushirikishwaji wa  wafanyakazi, lakini ndugu zangu niwatoe wasiwasi sisi kama viongozi wenu tumeshirikishwa kikamilifu, tulienda kwenye vikao tukiwa na maoni yetu lakini wenzetu upande wa Serikali wakaja na hoja nzito zenye namba hivyo ikatupasa kukubaliana katika mambo ya msingi kwa mstakabali wa wanachama wetu ambao ndio wanufaika wa mifuko hii ya Hifadhi ya Jamii. Anasisitiza Ndugu Nyamhokya.

Ndugu Nyamhokya alisema Mifuko hii ya Hifadhi za Jamii ni ya wafanyakazi wenyewe kwa maana michango ya wafanyakazi ndio inayojenga mfumo huu, hivyo wenye uwezo wa kujenga na kuendeleza au kubomoa ni wafanyakazi wenyewe. Natambua kuwa wafanyakazi walikuwa na matumaini ya kupata pensheni kubwa zaidi lakini haikuwezekana kwasababu mifuko yetu haina uwezo wa kulipa viwango hivyo kwa sasa, hivyo nitoe rahi kwa wafanyakazi nchini kupokea hiki kilichopo leo kwani hata hapa tulipofikia ni pazuri ukilinganisha na tulipotoka na ata wenzetu wa nchi jirani wanatamani kufika hapa tulipo.

Tusiingie kwenye mtego wa wenzetu waliotutangulia kujiwekea mafao makubwa kuzidi uwezo wa mifuko kulipa kwani ndio iliyotufikisha hapa kwa baadhi ya mifuko kushindwa kutekeleza wajibu wao kwa wakati, ni bora tupokee kidogo kinachokidhi mahitaji kuliko kikubwa kitakachoua mifuko yetu.  Anasisitiza Ndugu Nyamhokya

Mkurugenzi Mkuu wa SSRA, Dkt. Irene Isaka na Viongozi Waandamizi wa TUCTA wakiimba kwa pamoja wimbo wa maarufu wa Mshikamano wakati wa Semina ya Hifadhi ya Jamii kwa Wajumbe wa Baraza Kuu la TUCTA, Jijini Dodoma

Akizungumza katika Semina hiyo, Mkurugenzi Mkuu wa SSRA, Dkt. Irene Isaka alisema SSRA inatambua kuwa ajenda ya kufanya mabadiliko katika sekta ya Hifadhi ya Jamii toka mwanzo ilikuwa ni ajenda ya vyama vya wafanyakazi na  ndio maana kwa kila hatua tuliyofanya tunajitaidi kuwashirikisha ili muweze kufahamu mabadiliko hayo. Hii ni kwa sababu tunatambua kuwa vyama vya wafanyakazi ni wadau muhimu katika sekta ya Hifadhi ya Jamii na mtaweza kutusaidia katika kuwahabarisha wanachama wenu na watanzania kwa ujumla.

Dkt. Irene Isaka alifafanua kwamba hatua hii ya kuunganisha mifuko ililenga mambo makubwa mawili. Moja ni kukidhi kilio cha muda mrefu cha wafanyakazi kuhusu kuunganisha Mifuko ya Pensheni ili kupunguza gharama za uendeshaji, kuondoa ushindani usio na tija baina ya Mifuko ya pensheni ambayo kimsingi ilikuwa inatoa mafao yanayofanana, kupunguza migogoro baina ya Mifuko, kuimarisha uwiano wa idadi ya wanachama wachangiaji na wastaafu na pili ni kuboresha mafao ya wanachama, kuongeza tija katika Sekta ya Hifadhi ya Jamii na kukuza uchumi wa nchi kwa ujumla.

Kama nilivyotangulia kusema hapo  awali uwepo wenu  mahali hapa leo kutasaidia kupata uelewa wa mabadiliko na maboresho yalifanyika kwa kina ili kama wadau muhimu mkatumie nafasi zenu kuwahabarisha na kuwaelimisha wanachama wetu na wananchi kwa ujumla. Aidha, ni imani yangu kwamba baada ya semina hii  mtakwenda kuwa mabalozi wazuri wa mabadiliko na maboresho haya yaliyofanywa na Serikali kwa nia njema. Alisema Dkt. Irene Isaka.

Akitoa neno la shukrani, Rais wa Shirikisho la Vyama vya Wafanyakazi (TUCTA) Ndugu Tumaini Nyamhokya alisema SSRA imekuwa ni kiungo kizuri kati ya Serikali na vyama vya wafanyakazi katika kutetea na kulinda maslahi ya wafanyakazi ambao ni wanachama wa mifuko ya hifadhi ya jamii, kwa nyakati tofauti tumekaa pamoja na SSRA tukichambua na kujadiliana kuhusu namna bora ya kuboresha sekta ya hifadhi ya jamii nchini.

Baadhi ya Wajumbe wa Baraza Kuu la TUCTA wakifuatilia kwa makini Semina ya Hifadhi ya Jamii iliyoandaliwa na Mamlaka ya Usimamizi wa Sekta ya Hifadhi ya Jamii (SSRA) Jijini Dodoma

SSRA offered Social Security awareness to National Elders Council

Wazee kutoka sehemu mbalimbali nchini kupitia Baraza lao la Taifa wameiomba Serikali na wadau wanaohusika kuharakisha mchakato wa upatikanaji wa pensheni Jamii kwa wazee ili kukabiriana na changamoto ya umaskini wa kipato unawakabiri wazee walio wengi nchini. Maombi hayo yamewasilishwa wakati wa Semina ya Hifadhi ya Jamii iliyoendeshwa na Mamlaka ya Usimamizi wa Sekta ya Hifadhi ya Jamii (SSRA) kwenye kongamano la Wazee lililofanyika tarehe 30/09/2018 katika ukumbi wa mikutano wa AICC, Jijini Arusha,

Akiwakilisha maombi hayo Mwenyekiti wa Baraza la Wazee Taifa, Mzee Sebastian Bulegi alisema kwa kipindi kirefu wamekuwa wakiiomba bila mafanikio kuhusu Pensheni Jamii kwa Wazee, hivyo wanatumia Kongamano hili kama jukwaa la kufikisha kilio chao kwa mara nyingine.

Aidha, wazee hao wameiomba serikali kuwaongezea kima cha chini cha pensheni ya mwezi ili waweze kujikimu kimaisha

SSRA educated Employers on recent Social Security Reforms

Mamlaka ya Usimamizi wa Sekta ya Hifadhi ya Jamii (SSRA) imekutana na waajiri nchini kwa lengo la kuwaelimisha kuhusu mabadiliko ya sheria za Hifadhi ya Jamii. Semina hiyo iliyoandaliwa na SSRA kwa kushirikiana na Jumuiya ya Waajiri nchini (ATE) ilifanyika tarehe 03/10/2018 katika ukumbi wa mikutano wa Sea Cliff, jijini Dar es Salaam na kushirikisha jumla ya wajumbe 105.

Katika semina hiyo pamoja na mambo mengine walipata fursa ya kuelimishwa kuhusu sheria ya Mfuko wa Hifadhi ya Jamii kwa Watumishi wa umma, sheria ambayo inaunganisha Mifuko ya Pensheni minne (4) ya PSPF, LAPF, PPF na GEPF na kuunda Mfuko mmoja kwa ajili ya Watumishi wa Umma yaani PSSSF. Sambamba na kuanzishwa kwa Mfuko huo, Sheria hii imefanya marekebisho kwenye Sheria ya Shirika la Taifa la Hifadhi ya Jamii, (The National Social Security Fund) Sura ya 50 ili kuufanya Mfuko wa NSSF kuwa Mfuko utakaohudumia wafanyakazi wa Sekta Binafsi na Sekta isiyo rasmi. 

Akizungumza katika semina hiyo mwakilishi wa Mkurugenzi Mkuu, Bwana Joseph Mutashubirwa ambae ni Mkurugenzi wa Utafiti, Tathimini na Sera kutoka SSRA alisema elimu kwa waajiri kutasaidia kupata uelewa wa mabadiliko na maboresho yalifanyika ili kama wadau muhimu mkatusaidie katika utekelezaji wa sheria hizi lakini pia mkatumie nafasi zenu kuwahabarisha na kuwaelimisha wanachama kwa ujumla.

Aidha, ni imani yangu kwamba baada ya kikao hiki mtakwenda kuwa mabalozi wazuri wa mabadiliko na maboresho haya yaliyofanywa na Serikali kwa nia njema. Alisisitiza Bwana Mutashubirwa.

Katika Semina hiyo Waajiri wameimizwa kutekeleza wajibu wao kwa wakati ili kubiresha huduma zinazotolewa na mifuko ikiwa ni pamoja na ulipwaji wa mafao kwa wakati.

Tovuti Muhimu