Togo Council of Ministers Adopts Bill for National Social Security Institute Creation

• Togo's Council of Ministers adopted a bill to create the National Social Security Institute (INSS) on November 6, 2026.
• The INSS will merge the Caisse de retraites du Togo (CRT) and the Institut national d’assurance maladie (INAM) to manage public agents' pensions and health insurance.
• The Council also reviewed proposed amendments to the 2018 Land and Domain Code, aiming to modernize land governance and secure property rights.
• These amendments seek to introduce innovations like a National Land Observatory and digital management, while promoting gender equality in land access.
• A decree detailing the application of the 2025 law on public enterprises was also adopted, furthering governance modernization.

Once established and operational, the National Social Security Institute (INSS) will consolidate the management of both pension and health insurance schemes for public agents and their beneficiaries, aiming to streamline services and enhance efficiency.

Togo's Council of Ministers convened on Friday, November 6, 2026, under the leadership of President of the Council Faure Essozimna GNASSINGBE, to address several critical legislative and regulatory matters. During the session, the Council formally adopted a significant bill and a decree, while also reviewing a separate bill and decree in their initial reading. Additionally, three communications were presented and discussed by the Council members.

Among the key decisions, the Council approved a bill establishing the National Social Security Institute, a pivotal step in reforming the nation's social protection framework. Concurrently, a proposed amendment to the existing Land and Domain Code underwent its first review, signaling further modernization in property governance. The Council also adopted a decree outlining the implementation modalities for the legal framework governing public enterprises, reinforcing the government's commitment to modernizing state-owned entities.

A major **Togo social security reform** is underway with the adoption by the Council of Ministers of a bill leading to the **Togo National Social Security Institute creation**. This proposed new entity, known as the INSS, is designed to consolidate the social coverage for public agents and their equivalents, which has historically been fragmented. Currently, the Caisse de retraites du Togo (CRT) manages pensions, while the Institut national d’assurance maladie (INAM) handles health insurance, leading to operational inefficiencies.

This existing dual-agency structure has resulted in redundant administrative processes for beneficiaries, duplicated organizational overheads, and inconsistencies in service quality. The government's strategic response is the **fusion CRT INAM Togo** into a single, unified body. Once established and operational, the National Social Security Institute (INSS) will consolidate the management of both pension and health insurance schemes for public agents and their beneficiaries, aiming to streamline services and enhance efficiency.

This significant **Togo social security reform** seeks to establish a unified point of contact for insured individuals and consolidate resources, ultimately enhancing service quality for active civil and military public agents, retirees, and their beneficiaries. Through this initiative, the government aims to cultivate a more integrated, equitable, and sustainable social protection system, ensuring comprehensive support for public agents and their families throughout their careers and into retirement.

The Council also undertook the initial review of a proposed **Togo Land Code amendment**, specifically targeting Law n° 2018-005 of June 14, 2018, which governs the Land and Domain Code. While the original **Loi n° 2018-005 Togo** marked a crucial advancement in modernizing land governance, its practical application has revealed certain limitations and implementation challenges. The proposed revisions aim to adapt its provisions to contemporary technological, social, economic, and environmental shifts.

This comprehensive amendment introduces several innovations designed to bolster land governance, including the establishment of a National Land Observatory and the modernization of land management through digitalization and advanced technologies. It also seeks to fortify customary and rural land rights, promote gender equality in land access, and safeguard agricultural lands and natural resources. Furthermore, the bill addresses pastoral and climatic concerns, strengthens procedures for foreign access to land, combats speculation, facilitates land and agricultural financing access for young people, and enhances land conflict resolution mechanisms while reinforcing penalties.

Through this legislative update, the government endeavors to foster a land system that is modern, transparent, inclusive, and secure. This revised framework is expected to ensure more effective management of national land assets, thereby promoting investment and contributing to sustainable development across the country.

In a related development, the Council of Ministers formally adopted a decree that specifies the application procedures for Law n° 2025-005 of April 1, 2025. This particular law outlines the legal framework applicable to public enterprises within the Togolese Republic. The adoption of this **Togo public enterprises decree** signifies a continued effort by the government to modernize the governance and operational oversight of its state-owned entities, ensuring clarity and consistency in their legal and administrative frameworks.

Lawyers advising public sector employees or entities in Togo must understand the new National Social Security Institute (INSS) structure, as it unifies pension and health insurance management, impacting compliance and benefit administration for public agents. Additionally, legal professionals in real estate and investment should monitor the proposed amendments to the Land and Domain Code for future changes to property rights and land access.

Source: Original reporting via Togolese Council of Ministers