Our Welfare Benefits

Comprehensive financial support and welfare assistance for all registered members.

Medical

Medical Assistance

Financial support for medical bills, hospitalisation, surgeries, and treatment costs for members and their immediate family.

Up to GH₵350,000 per claim
7–10 working days
Active members (min. 6 months)
Apply for This Benefit
Welfare

Bereavement Support

Compassionate grants during times of loss, covering funerary expenses for members or immediate family members.

GH₵50,000 – GH₵150,000
3–5 working days
All active members
Apply for This Benefit
Education

Education Bursary

Annual bursary for members' children in primary, secondary, or tertiary education, and for professional development programmes.

Up to GH₵100,000 per child/year
10–14 working days
Active members (min. 1 year)
Apply for This Benefit
Emergency

Emergency Loan

Quick-access emergency loans for urgent financial needs, repayable over 3–12 months via payroll deduction.

Up to GH₵200,000
48–72 hours
Active members (min. 6 months)
Apply for This Benefit
Financial

Long Term Loan

Extended repayment period loans for major financial needs and long-term projects.

Flexible amounts
21–28 working days
Members (min. 2 years)
Apply for This Benefit
Financial

Vehicle Loan

Vehicle acquisition loans to improve members' transportation and quality of life.

Up to GH₵1,000,000
21–28 working days
Members (min. 3 years)
Apply for This Benefit
Financial

Construction Loan

Loans to assist members with building, renovation, or home improvement projects.

Flexible amounts
21–28 working days
Members (min. 2 years)
Apply for This Benefit
Financial

Group Loans

Seasonal and special occasion loans including Christmas Loan, Easter Loan, Chairman Loan, and others.

Varies by loan type
7–14 working days
Active members
Apply for This Benefit
Welfare

Maternity / Paternity Grant

A congratulatory grant for members welcoming a new child, to assist with associated costs.

GH₵30,000 – GH₵60,000
5–7 working days
All active members
Apply for This Benefit
Medical

Surgical / Specialist Support

Supplementary funding for surgical procedures and specialist medical consultations not covered under standard medical assistance.

Up to GH₵500,000
7–14 working days
Active members (min. 1 year)
Apply for This Benefit
Education

Professional Development Grant

Financial support for professional certifications, trainings, and conferences relevant to the member's career growth.

Up to GH₵80,000 per year
7–10 working days
Active members (min. 1 year)
Apply for This Benefit

Benefits at a Glance

BenefitCategoryMax AmountProcessing TimeMin. Membership
Medical AssistanceMedicalGH₵350,0007–10 days6 months
Bereavement SupportWelfareGH₵150,0003–5 daysNone
Education BursaryEducationGH₵100,000/yr10–14 days1 year
Emergency LoanEmergencyGH₵200,00048–72 hours6 months
Long Term LoanFinancialFlexible21–28 days2 years
Vehicle LoanFinancialGH₵1,000,00021–28 days3 years
Construction LoanFinancialFlexible21–28 days2 years
Group LoansFinancialVaries7–14 daysActive
Maternity/Paternity GrantWelfareGH₵60,0005–7 daysNone
Professional Dev. GrantEducationGH₵80,000/yr7–10 days1 year

How to Apply for a Benefit

1

Login

Log in to your Member Portal using your Employee ID and password.

2

Select Benefit

Choose the benefit category you are applying for from the available list.

3

Submit Documents

Upload the required supporting documents for your chosen benefit.

4

Track Status

Track your application status in real time from your dashboard.

Not Yet a Member?

Join the RMU Staff Welfare Fund to access all these benefits and more.