The study focus on the occurrence of death in Ghanaian female pensioners who retired from 1990 to 2005 at SSNIT. These pensioners include those who retired voluntarily between 54 to 60 years and those who retired from 60 to 65 years. All the pensioners were exposed to investigation from the day of retirement to 2010. Each one of the pensioners was observed from the age of retirement to 80 years and occurrence of death recorded over a year period. The study ended investigation pensioners at 80 years because deaths recorded after 80 years were insignificant which will affect the output of the analysis.

Secondary data from Social Security and Nation Insurance Trust (SSNIT) which consist of 2,178 female pensioners was sampled from a five year period pension interval; 1990, 1995, 2000 and 2005. The total occurrence of deaths recorded within the five years interval period was 424.
The table below describe the selection of the cohort groups

3.2: Data collection
The study use a quantitative research to model the occurrence of death in Ghanaian female pensioners. Secondary data was obtained from SSNIT which consist of female pensioners’ for the periods 1990 to 2010 age 55 to 80 years. The data contain information on the date of birth, death if any and year of retirement of pensioners. the life certificates were updated pension year 02/06/2014 as at the time data was retrieved for the study purpose. However, any pensioner whose life certificate had not been updated as at that date was assumed dead until otherwise proved.

The general pensioners’ population includes invalidity pensioners, hazardous workers pensioners, old age pensioners, and early retirees. But for this study purpose, the target population comprises of both old age and early valid retirees. The old age retirees were individuals who go on retirement at the normal retirement age of 60 years while the early retirees include individuals who voluntarily go on retirement from the ages 55 to 59 years.
In other to obtain a homogenous group of early retirees and old age pensioners for a period of five intervals pension years 1990, 1995, 2000 and 2005, purposive sampling was employed to select indivi