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How to get your claims after terminating with an Association/Union




Do you want to withdraw your funds from your teacher unions? It can be tedious but if you follow this steps it will be easy.

It has become a very difficult challenge for many teachers who join unions by mistake and want a change.

Sometimes, You may choose one particular union during registration but your Payslip will come with another union showing on it. It’s now common.

In some rare cases Teachers Payslip automatically shows other unions rather than the ones they have been on and paying dues . Eg A Teacher was on  CCT, all of a sudden it changed to GNAT then a year time changed to NAGRAT, She has to manually change the union to her preferred one on the portal with this procedure below.

CAGD (GOG) How to Change Association on Epayslip Portal- NEW

Well some of these automatic changes may be the thing of the past but in cases where one is deducted mutual fund for a whole year or dues for a whole year without her knowledge should be able to retrieve all those funds back even if not to her own account to the current union he/she belongs to.

Here we spoke to some executives to guide people who are victims in these circumstances ..

Seekersnewsgh speaking with Chairman Laud of CCT-GH, He was able to clear the air.

According to him all union dues are not refundable, they’re for administrative work however the union will give out the Dues with interest as a retirement package to members.

In the case of death, that amount is given to the next of kin together with the Mutual funds.

Members who change association can retrieve their mutual funds from the previous union by writing to them to retrieve their money.

Dues or Mutual Funds are not transferred to other unions when you leave one union to another.

How to retrieve your funds back.


Full name.

Fund ID.


Staff ID


Withdrawal details.

  • Amount to be withdrawn
  • Reason for withdrawal
  • Multiple deductions
  • Resignation
  • Retirement
  • Refund
  • Other.
  • Banking details.

 Check more here Teacher Unions- CCT fund withdrawal Form Download

Just like all other mutual funds GNAT mutual Fund will be given
After death
Or when you leave the service
change Association or even
People in difficult situations

You can apply for your funds when you fall within the above mentioned categories

However with leaving the union, it’s highly discouraged as majority of members would leave, take their mutual funds and come back. U-turn.

At any point in time your mutual Fund is calculated with interest, taking it before your pension or trying to outsmart the system would only lead to you always starting afresh. While your colleagues will be taking huge sums at the end of their service year, you’ll be taking something small.

Your mutual Fund is calculated with interest and it’s given to you at the end of your service, taking it before time, would yield no interest for you.

If you’re financially handicap you can apply for a percentage of your contribution.

You need to visit the office in person with your current Payslip .

If you join or was added by mistake, you need to provide Payslip for the affected months.

Passport photograph.


Members can apply by picking a  form  from the nearest Regional Secretariat. Fill the forms carefully and return it to the Regional Secretariat.

Attach Payslip reflecting the date affected considering you were on for few months.

Note also that;

NAGRAT Members are encouraged to apply for retirement benefits  as soon as they retire from active service, but when application is held after six (6) months the benefits would not be given.

Download an application form from their online portal  or pick up from the nearest Regional Secretariat. Fill the forms carefully and return it to the Regional Secretariat. Attach payslip reflecting the date of retirement (required).

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