The government has unveiled a new Social Protection Policy aimed at extending social security coverage to millions of Tanzanians working in the informal sector.
The policy, launched on Tuesday, seeks to bring workers such as small-scale traders, boda boda riders, farmers, domestic workers and artisans into the national safety net. For many years, these groups have operated without access to formal social security benefits, leaving them vulnerable to poverty during illness, old age or economic shocks.
Bridging the Coverage Gap
According to government data, more than 60 percent of Tanzania’s workforce is employed in the informal sector. However, the majority of these workers are not registered with social security schemes.
The new policy introduces flexible and affordable contribution models designed to suit people with irregular incomes. Officials say the reforms will allow informal workers to contribute small amounts regularly through mobile money platforms and other accessible payment systems.
The government believes the move will reduce poverty levels and improve financial security among low-income earners.
What the Policy Offers
Under the new framework, registered informal sector workers will gain access to benefits such as:
Health insurance coverage
Maternity benefits
Disability support
Old-age pensions
Survivors’ benefits for families
The policy also emphasizes the protection of vulnerable groups, including women, youth, people with disabilities and the elderly.
Strengthening Existing Institutions
The government will work with existing social security funds to design special packages tailored for informal workers. Authorities say they will also increase public awareness campaigns to educate citizens about the importance of saving for the future through formal systems.
Stakeholders from labour unions, financial institutions and development partners have welcomed the move, describing it as a major step toward inclusive economic growth.
Supporting National Development Goals
Officials say the policy aligns with Tanzania’s long-term development plans, including efforts to reduce inequality and improve living standards. By expanding coverage, the government aims to create a more resilient workforce capable of withstanding economic challenges.
Implementation of the policy is expected to begin immediately, with ministries and agencies tasked with drafting detailed regulations and rollout guidelines.
The government has called on informal workers across the country to register and take advantage of the new opportunities to secure their future.
