Complaints Management


The Social Security Regulatory Authority is established under the Social Security (Regulatory) Authority Act, Cap 135 [RE. 2015] (SSRA Act) with the main objective of supervising and regulating the social security sector. Accordingly, among other functions, the Authority has the primary responsibility to make sure members’ interest are well protected.

In line with Section 5 (d) of the SSRA Act, the Authority has been protecting and safeguarding members’ interests through the established avenue for complaint handling system in the Authority.

1.2 Complaints Management

Section 44(3) of the SSRA Act, mandates the Authority to handle and resolve disputes (complaints) between Schemes’ members and Schemes, Scheme against Scheme and Scheme against Fund Managers. In most cases, the Authority receives complaints from Schemes’ members against their respective Schemes. These complaints are mostly reported to the Authority by way of letters, electronic complaints, calls, emails and physical visits to the Authority.

Although Section 44(2) of the SSRA Act requires the Authority to review a decision of the Scheme within thirty (30) days of receipt and communicate its decision to the complainant or parties accordingly, in most cases the Authority has been responding to these complaints within seven days save for complaints which need further research, scrutiny and supporting evidence. In additional to that  the Authority have  also prepared the Complaints Management Tracking System. The system was tested on 13th March, 2018 and came effective on the same day noon time.

The system is now more advanced because one can access all complaints coming from different media (letters (e-office, phone calls, face to face, emails, website and Mobile App) at the same system.

The system is also capable of revealing information of complaints per category (type of complaint), scheme, date and complainant’s name. The system is capable of producing summary of complaints whether per date, status and scheme. All in all, the system will enable the Authority to easily register, track and archive all complaints submitted to the Authority.


The  complaints which are commonly received by the Authority when solving complaints are mainly on the following areas:

  • Withdrawals;
  •  delay of benefit payment;
  • disatisfaction of benefit computation formula;
  • underpayments of benefits;
  • complaints on minimum pensions;
  • complaints on poor customer services from the Schemes;
  •  unremitted/delayed contributions;
  •  Unequal employee contribution rate between NSSF members i.e 10% vs 5% for Goverment employees;
  • wrong calculations of benefits;
  • Totalisation and
  • complaints of the definition  of salary used by NSSF as a basis of contibution deduction in relation to definitions to other Schemes’ laws.

The Authority is still facing a number of challenges  while resolving complaints from various stakeholders. Such challenges include:

  • Lack of awareness: Some members and stakeholders lack basic awareness on  social security issues, to the extent that some issues could have been resolved out right by the relevamt scheme had the complainant known the facts at hand. To resolve this challenge the Authority has been conducting awareness campaigns in line with its communication strategy.
  • Lack of Social Security Tribunal; section 43 of the Act provides for establishment of the Social Security Tribunal by the Minister responsible for social security. As of todate, the Tribunal has not been formed as such the Authority has been acting as a final Body in deciding some of the social security matters. Aggrieved persons come back to the Authority even when the Authority had made its final decision. To resolve this challenge, the Authority is following up with the Minister on formation of the Tribunal.
  • Lack of presence outside Dar-es-Salaam; upcountry members are not capable of accessing services from the Authority  at the regions, especially those from remote areas with limited communications. To sort out this problem the Management will review its strategy and seek for the Board’s approval.
  • There is no direct provision which subject employers under the jurisdcition of the Authority.

Public Awareness

The Social Security Regulatory Authority (SSRA) has the primary responsibility to regulate and supervise Social Security Sector in Tanzania. Ensuring quality Social Security services reaching every Tanzanian through soundly regulated sector. Section 5(1) of the Social Security Regulatory Authority Act mandates the Authority to carry out awareness interventions.

The major means which the Authority employs to fulfil this role is through awareness creation on public rights and obligations towards Social Security services. This has been achieved as per Communication Strategy through education, information dissemination and communication. Essentially, the Authority has been doing this to ensure that Tanzanians have adequate protection against life contingencies including old age, ill health, disability, and death of a bread earner that may affect the income of family.

Supplementary Schemes

What are Supplementary Schemes?

A supplementary scheme means a voluntary scheme chosen by the member to compliment benefits of any mandatory scheme. The main aim of Supplementary Schemes are to cater for more different benefits, where people voluntarily save for retirement, working capital and insure themselves against events such as disability and loss of income and meet other social needs.

Section 31 of the Social Security (Regulatory Authority) Act, Cap 135 [As Amended] provides that “any person may, subject to the terms and conditions prescribed in the Regulations, establish a supplementary scheme whose membership shall be voluntary.”

The following supplementary schemes have been registered by the Authority;

  1. Puma Energy Tanzania Provident Fund
  2. Voluntary Savaings Retirement Scheme
  3. MSD Wekeza Supplementary Scheme
  4. PSPF Supplementary Scheme
  5. ELCT Retirement Scheme
  6. Wote Scheme
  7. PPF Supplementary Scheme
  8. BOT Staff Benefits Scheme
  9. TANAPA Group Endowment Fund
  10. LAPF DC Scheme
  11. Tanzania Portland Cement Company Limited Staff Pension Scheme
  12. Deposit Administration Scheme


Who is an Administrator?

Administrator means a person appointed by trustees to administer a scheme in accordance with the terms and conditions of service specified in the instrument of appointment.

Roles of administrator;

  • To carry out daily administration of the affairs of the scheme in accordance with the terms and conditions of service specified in the instrument of appointment.
  • To offer advisory and training services to the trustees, members on their rights and obligations in the scheme;
  • To submit or cause to be submitted required statutory returns to the Authority;
  • To compute and pay benefits to the members and their beneficiaries directly as provided for in the law and the scheme rules;

Currently, Registered Administrators include;

  • PPF Pension Fund
  • Jubilee Life Insurance Corporation of Tanzania Ltd
  • GEPF Retirement Benefits Fund


Custodian means a company registered under the law of Tanzania responsible for safeguarding a firm’s or individual’s financial assets. In other words, a Custodian is always a banking institution where people securely put their assets.

Basically, among the roles of a Custodian is;

  • Safekeeping assets/securities,
  • Arrange settlement of any purchases, sales and deliveries in, or out of such securities and currency,
  • Collect income from such assets,
  • Provide information on the securities,
  • Maintain currency/cash bank accounts, effect deposits and withdrawals and manage other cash transactions,
  • Provide accurate and timely periodic reports to the trustees and the Authority on holdings and transactions,
  • Perform foreign exchange transactions where required and provide regular reporting on all their activities to their client (schemes).

Currently, registered custodians include;

  1. CRDB Bank Plc
  2.  Stanbic Bank Ltd
  3. Standard Chartered Bank Ltd
  4. Bank M (T) Ltd
  5. African Banking Corporation Tanzania Ltd
  6. KCB Bank (T) Ltd
  7. Azania Bank Ltd
  8. NMB Bank Plc
Tovuti Muhimu