Togo merges social security agencies
The government will combine pension and health insurance bodies into a single national institute.
Togo's Council of Ministers met on November 6, 2026, to adopt a new law creating the National Social Security Institute (INSS). This new body will merge the Togo Retirement Fund (CRT) and the National Health Insurance Institute (INAM). The merger aims to streamline social coverage for public servants and their dependents by creating a single point of contact and consolidating management resources.
Currently, public servants deal with two separate agencies for pensions and health insurance, leading to duplicated efforts and administrative costs. The INSS will manage both retirement and health insurance schemes, aiming to improve service quality and ensure the long-term sustainability of the social protection system for active and retired public employees and their families.
The council also reviewed a draft law to amend the 2018 land and property code. This revision seeks to enhance land governance through a national observatory, digitize land management, and secure customary rights. It also aims to promote gender equality in land access, protect agricultural land, and address pastoral and climate concerns.
Why it mattersPublic servants and retirees in Togo will experience a unified system for their pensions and health insurance benefits.