Academic Research Journal on Health Information Management

Vol. 6(2), pp. 36-49, April 2025

ISSN: 2734-2190

https://doi.org/10.14662/arjhim2025040

 

Full Length Research

 

 

Retirement Perceptions of Basic School Teachers in Ghana: Insights from Pre-Retirement Planning and Counselling Programmes

 

John N-yelbi

 

Department of Counselling Psychology, Faculty of Applied Behavioural Sciences in Education, University of Education, Winneba. Post Office Box 25, Winneba, West Africa, Ghana. ORCID:0000-0001-8210-9787 Department of Counselling Psychology, Faculty of Applied Behavioural Sciences in Education, University of Education, Winneba, Post Office Box 25, Winneba, West Africa, Ghana.  

Corresponding Author:John N-yelbijnyelbi@uew.edu.gh+223242957164  

Accepted 29 April 2025

Abstract

Abstract: This study sought to find out the perceptions of retirement among Basic school teachers in Ghana and explores how pre-retirement planning and counselling programmes can influence these perspectives. Employing a qualitative phenomenological research design within an interpretive framework, the research involved 24 teachers from Nanumba North, Jasikan, and Effutu Municipalities, selected through maximum variation sampling. Data were collected through in-depth semi-structured interviews and analysed thematically. Findings revealed that teachers' retirement perceptions are closely linked to financial concerns, healthcare expenses, and fears of social isolation. The study identifies key components of effective pre-retirement programmes, including financial planning, social integration initiatives, psychological support, career transition counseling, and health wellness activities. Recommendations emphasise the need for collaboration between the Ghana Education Service and financial institutions to assist teachers in creating retirement budgets and accessing affordable housing options. Additionally, establishing peer support networks is suggested to help teachers maintain social connections and explore new interests’ post-retirement. The study advocates for the Ghana National Association of Teachers (GNAT) and the National Association of Graduate Teachers (NAGRAT) to partner with the Social Security and National Insurance Trust (SSNIT) to enhance psycho education on pension plans and investment options for teachers nearing retirement.

 

Keywords: Aging, retirement perceptions, pre-retirement planning, counselling programmes

Paper type: research