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<h1>Social Security Programs Throughout the World: The Americas, 2003</h1>
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<h1>British Virgin Islands</h1>
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<div class="exchangeRate">Exchange rate: Uses the U.S. dollar (U.S.$).</div>
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<h2>Old Age, Disability, and Survivors</h2>
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<h3>Regulatory Framework</h3>
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<p><span class="h4">First law:</span> 1979.</p>
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<p><span class="h4">Current law:</span> 1993.</p>
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<p><span class="h4">Type of program:</span> Social insurance system.</p>
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<h3>Coverage</h3>
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<p>Employed and self-employed persons aged 16 to 65.</p>
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<h3>Source of Funds</h3>
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<p><span class="h4">Insured person:</span> 3.25% of earnings; the self-employed contribute 6.5%.</p>
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<p><span class="h4">Employer:</span> 3.25% of covered wages.</p>
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<p><span class="h4">Government:</span> None.</p>
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<p>The maximum annual earnings for contribution and benefit purposes are U.S.$23,400.</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Old-age pension:</span> Age 65 with 500 weeks of contributions.</p>
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<p>Partial pension: A reduced pension is payable with between 51 and 499 weeks of contributions.</p>
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<p><span class="h4">Old-age grant:</span> Age 65 with at least 50 weeks of contributions and ineligible for any periodic benefit.</p>
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<p><span class="h4">Disability pension:</span> Under age 65 with 500 weeks of contributions and permanently incapable of any work.</p>
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<p><span class="h4">Disability grant:</span> Under age 65 with at least 50 weeks of contributions, ineligible for any periodic benefit, and permanently incapable of any work.</p>
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<p><span class="h4">Survivor pension:</span> A <span class="nobr">widow(er)</span> aged 40 or caring for a child under age 15 (age 21 if a student).</p>
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<p><span class="h4">Funeral grant:</span> For the death of an insured person or his or her dependents.</p>
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<h3>Old-Age Benefits</h3>
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<p><span class="h4">Old-age pension:</span> 30% of average covered earnings in the best 3 consecutive years, plus 1% of average covered earnings for every <span class="nobr">50-week</span> period of contributions above 500 weeks.</p>
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<p>Partial pension: The full pension is reduced in proportion to the total number of weeks of contributions.</p>
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<p><span class="h4">Old-age grant:</span> Six times average weekly earnings for every <span class="nobr">50-week</span> period of contributions above 50 weeks and below 500 weeks.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Disability pension:</span> 30% of average covered earnings in the best 3 consecutive years, plus 1% of average covered earnings for every <span class="nobr">50-week</span> period of contributions above 500 weeks.</p>
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<p><span class="h4">Disability grant:</span> Six times average weekly earnings for every <span class="nobr">50-week</span> period of contributions above 50 weeks and below 500 weeks.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Survivor pension:</span> <span class="nobr">Widow(er)s</span> receive 66.6% of the insured's pension or prospective pension.</p>
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<p><span class="h4">Orphan's pension:</span> 33.3% of the <span class="nobr">widow(er)'s</span> pension; 66.6% if a full orphan.</p>
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<p><span class="h4">Funeral grant:</span> The grant depends on the age of the person at death. For a child under age 1, U.S.$300; for a child aged 1 to 15, U.S.$1,200; for persons aged 16 or older, U.S.$2,000.</p>
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<h3>Administrative Organization</h3>
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<p>Chief Minister's Office provides general supervision.</p>
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<p>Social Security Board administers the program.</p>
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<h2>Sickness and Maternity</h2>
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<h3>Regulatory Framework</h3>
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<p><span class="h4">First law:</span> 1979.</p>
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<p><span class="h4">Current law:</span> 1993.</p>
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<p><span class="h4">Type of program:</span> Social insurance system. Cash benefits only.</p>
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<h3>Coverage</h3>
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<p>Employed and self-employed persons aged 16 to 65.</p>
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<h3>Source of Funds</h3>
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<p><span class="h4">Insured person:</span> 0.75% of covered earnings; the self-employed contribute 1.5%.</p>
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<p><span class="h4">Employer:</span> 0.75% of covered wages.</p>
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<p><span class="h4">Government:</span> None.</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Cash sickness benefits:</span> Twenty-six weeks of contributions, with 8 weeks of contributions in the 13 weeks before the onset of illness.</p>
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<p><span class="h4">Cash maternity benefits:</span> Twenty-six weeks of contributions, with 20 weeks of contributions in the 39 weeks before the expected date of childbirth.</p>
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<p><span class="h4">Maternity grant:</span> The wife of an insured worker.</p>
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<h3>Sickness and Maternity Benefits</h3>
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<p><span class="h4">Sickness benefit:</span> 66.6% of average weekly covered earnings, payable for up to 26 weeks.</p>
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<p><span class="h4">Maternity benefit:</span> 66.6% of average weekly covered earnings in the 39 weeks prior to the expected date of childbirth. The benefit is payable for up to 13 weeks, beginning no earlier than 6 weeks before the expected date of childbirth.</p>
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<p><span class="h4">Maternity grant:</span> A lump sum of U.S.$200.</p>
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<h3>Workers' Medical Benefits</h3>
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<p>No statutory benefits are provided.</p>
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<h3>Dependents' Medical Benefits</h3>
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<p>No statutory benefits are provided.</p>
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<h3>Administrative Organization</h3>
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<p>Chief Minister's Office provides general supervision.</p>
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<p>Social Security Board administers the program.</p>
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<h2>Work Injury</h2>
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<h3>Regulatory Framework</h3>
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<p><span class="h4">First and current law:</span> 1994.</p>
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<p><span class="h4">Type of program:</span> Social insurance system.</p>
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<h3>Coverage</h3>
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<p>Employed and self-employed persons aged 16 to 65.</p>
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<h3>Source of Funds</h3>
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<p><span class="h4">Insured person:</span> None; the self-employed contribute 0.5% of earnings.</p>
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<p><span class="h4">Employer:</span> 0.5% of covered wages.</p>
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<p><span class="h4">Government:</span> None.</p>
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<p>The maximum earnings for employer contribution purposes are U.S.$23,400.</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Work injury benefits:</span> There is no minimum qualifying period.</p>
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<h3>Temporary Disability Benefits</h3>
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<p><span class="h4">Temporary disability pension:</span> 75% of average weekly covered earnings, payable for up to 26 weeks.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Permanent disability pension:</span> 75% of average weekly covered earnings is payable for up to 26 weeks if the assessed degree of permanent disability is 100%.</p>
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<p>Partial disability: The pension is proportionately reduced for an assessed degree of disability of 30% to 99%.</p>
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<p>A lump-sum grant is paid for an assessed degree of disability of at least 1% up to 29%.</p>
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<h3>Workers' Medical Benefits</h3>
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<p>Benefits include hospitalization; general, specialist, and nursing care; medicines; transportation; and artificial limbs.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Survivor pension:</span> The maximum survivor pension is 75% of the insured's pension or prospective pension. The <span class="nobr">widow(er)</span> receives half of this amount.</p>
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<p><span class="h4">Other eligible survivors:</span> Half of the maximum survivor pension is divided equally among other survivors.</p>
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<p><span class="h4">Funeral grant:</span> A lump sum of U.S.$2,000.</p>
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<h3>Administrative Organization</h3>
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<p>Chief Minister's Office provides general supervision.</p>
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<p>Social Security Board administers the program.</p>
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