Frequently Asked Questions

You can apply online by clicking "Apply Now" and completing the four-step membership application form. You will need your RMU Staff ID, personal details, next of kin information, employment details, and your preferred monthly contribution amount.

Membership is open to all RMU staff regardless of employment type, including full-time permanent staff, full-time staff, part-time staff, contract staff, and temporary staff. You simply need a valid RMU Staff ID to apply.

The standard processing time is 5–10 working days from the date your completed application is received. You will be notified by email once a decision has been made. Complex or incomplete applications may take longer.

No. Membership applications must be submitted personally by the applicant. The application requires your personal declaration and signature, which confirms the accuracy of the information provided.

Yes, you can voluntarily withdraw from the Scheme by submitting a written withdrawal request to the Welfare Office. Note that voluntary withdrawal may affect your entitlement to a refund of contributions depending on the circumstances outlined in our Constitution.

Your entitlement depends on your contribution level and length of membership. Active members have access to medical assistance, bereavement support, emergency loans, and more. A full breakdown is available on our Benefits page.

Log in to the Member Portal and use the "Request for Benefits" option to submit a request to withdraw accrued benefits, or "Apply for Loan" to apply for one of the available loan types. You will be able to track the outcome from your dashboard.

Processing times vary by benefit type. Emergency loans are typically processed within 48–72 hours. Standard welfare benefits take 5–14 working days. Complex claims such as medical or surgical support may take 14–21 working days.

Limits vary by benefit type. For example, the education bursary may be claimed once per child per academic year. Emergency loans may only have one active loan at a time. Please refer to the Benefits Guide for full details.

Benefit amounts are determined by your accrued benefit balance, length of active membership, and the nature of the claim. Each benefit type has its own maximum amount — for example, up to ?10,000 for medical assistance and emergency loans, up to ?20,000 for bereavement support and long-term loans, and up to ?200,000 for construction loans. The Board reviews these limits annually.

You choose your own monthly contribution amount when you apply for membership. There is no fixed tier or minimum — you simply enter the Ghana Cedis (?) amount you wish to contribute each month, and this is deducted from your salary. You can update your contribution level at any time by contacting the Fund administrator.

Yes. You can update your monthly contribution amount at any time by contacting the Fund administrator. Changes will be reflected in your next salary deduction cycle.

Missing up to 2 consecutive contributions will result in a warning notice. Missed contributions of 3 or more consecutive months may lead to suspension of benefit access until arrears are cleared. Arrears can be paid via a lump sum or spread over 3 months.

Yes. You may make advance contributions covering up to 6 months at a time. Lump sum payments must be approved by the Treasurer and will be reflected in your contribution history within 5 working days.

Contributions are generally non-refundable as they are pooled for collective welfare. However, in exceptional cases such as redundancy or severe financial hardship, a partial refund may be considered by the Board on a case-by-case basis.

No documents need to be uploaded. The online application only requires you to fill in your personal details, next of kin information, employment details (including your RMU Staff ID), and your preferred monthly contribution amount. Everything is completed digitally.

Once your membership is approved, log in to the Member Portal to view your contributions, accrued benefit, loan balances, and any benefits withdrawn — all updated in real time from your dashboard.

You will receive an email explaining the reason for rejection. You have the right to appeal within 14 days of the decision. Appeals must be submitted in writing to the Welfare Officer with any additional supporting evidence.

Yes. All members have the right to appeal. Submit your written appeal with supporting documentation to the Welfare Office within 14 days of the decision notification. Appeals are reviewed by the Board within 10 working days.

Log in to the Member Portal and click your profile picture or name to access your profile settings, where you can update your personal details. For any changes that cannot be made online, contact the Fund administrator directly.