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<h1>Social Security Programs Throughout the World: The Americas, 2005</h1>
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<h1>Grenada</h1>
<div class="exchangeRate">Exchange rate: US$1.00 equals 2.70 East Caribbean dollars (EC$).</div>
<h2>Old Age, Disability, and Survivors</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First law:</span> 1969 (provident fund).</p>
<p><span class="h4">Current law:</span> 1983 (social insurance), with 1988 amendments.</p>
<p><span class="h4">Type of program:</span> Social insurance system.</p>
<h3>Coverage</h3>
<p>All private- and public-sector employees and self-employed persons aged&nbsp;16 to 59.</p>
<p>There are no special systems for any specified groups of employees.</p>
<h3>Source of Funds</h3>
<p><span class="h4">Insured person:</span> 4% of monthly gross earnings.</p>
<p>There are no minimum earnings for contribution purposes.</p>
<p>The maximum monthly earnings for contribution purposes are EC$3,000.</p>
<p>The insured's contributions also finance sickness benefits, maternity benefits, and work injury benefits.</p>
<p><span class="h4">Self-employed person:</span> 6.75% of monthly gross earnings.</p>
<p>There are no minimum earnings for contribution purposes.</p>
<p>The maximum monthly earnings for contribution purposes are EC$3,000.</p>
<p>The self-employed person's contributions also finance sickness and maternity benefits.</p>
<p><span class="h4">Employer:</span> 5% of monthly gross wages.</p>
<p>There are no minimum earnings for contribution purposes.</p>
<p>The maximum monthly earnings for contribution purposes are EC$3,000.</p>
<p>The employer's contributions also finance sickness benefits, maternity benefits, and work injury benefits.</p>
<p><span class="h4">Government:</span> None; contributes as an employer.</p>
<h3>Qualifying Conditions</h3>
<p><span class="h4">Old-age pension:</span> Age&nbsp;60 with at least 500&nbsp;weeks of coverage, including at least 150&nbsp;weeks of paid contributions.</p>
<p>Partial pension: Age&nbsp;60 with at least 260&nbsp;weeks of coverage, including at least 150&nbsp;weeks of paid contributions.</p>
<p>Early pension: There is no early pension.</p>
<p>Deferred pension: There is no deferred pension. (For late application, the insured will receive only 1&nbsp;year of any retroactive payment due.)</p>
<p><span class="h4">Old-age grant:</span> Age&nbsp;60 and does not meet the qualifying conditions for the old-age pension. Must have at least 50&nbsp;weeks of paid or credited contributions.</p>
<p>Old-age benefits are payable abroad.</p>
<p><span class="h4">Disability pension:</span> Younger than age&nbsp;60 with 150&nbsp;weeks of paid contributions and an assessed degree of disability of 30% or more.</p>
<p>The degree of disability is assessed by the insured's doctor only once.</p>
<p><span class="h4">Disability grant:</span> Younger than age&nbsp;60 with an assessed degree of disability of less than 30%. There are no qualifying conditions for contributions.</p>
<p>The degree of disability is assessed by a doctor only once.</p>
<p>Disability benefits are payable abroad.</p>
<p><span class="h4">Survivor pension:</span> The deceased was a pensioner or was eligible for a pension at the time of death.</p>
<p><span class="h4">Survivor grant:</span> The deceased was eligible for an old-age grant or a disability grant at the time of death.</p>
<p>Eligible survivors are the deceased's <span class="nobr">widow(er)</span> and children.</p>
<p>Survivor benefits are payable abroad.</p>
<p><span class="h4">Funeral grant:</span> The deceased was a pensioner or was eligible for an old-age grant or a disability grant at the time of death. The grant is payable for the funeral of the insured, the insured's spouse, and the insured's children. The funeral grant is payable to the person who meets the cost of the funeral.</p>
<h3>Old-Age Benefits</h3>
<p><span class="h4">Old-age pension:</span> The pension is equal to 30% of average weekly earnings, plus 1% of earnings for each <span class="nobr">50-week</span> period of contributions over 500&nbsp;weeks.</p>
<p>The minimum weekly pension is EC$40.</p>
<p>The maximum weekly pension is EC$297.70.</p>
<p>Partial pension: The pension is equal to 16% of average weekly earnings, plus 1% of earnings for each <span class="nobr">25-week</span> period of contributions over 150&nbsp;weeks up to 499&nbsp;weeks.</p>
<p>Average weekly earnings are based on average annual earnings in the best 3&nbsp;years divided by 52.</p>
<p>Early pension: There is no early pension.</p>
<p>Deferred pension: There is no deferred pension. (For late application, the insured will receive only 1&nbsp;year of any retroactive payment due.)</p>
<p><span class="h4">Old-age grant:</span> A lump sum equal to five times average weekly insurable earnings is paid for each <span class="nobr">50-week</span> period of contributions.</p>
<p>Average weekly insurable earnings are based on the sum of the weekly earnings for the relevant period divided by the number of weeks.</p>
<p>Benefit adjustment: Benefits are reviewed periodically.</p>
<h3>Permanent Disability Benefits</h3>
<p><span class="h4">Disability pension:</span> The pension is equal to 30% of average weekly earnings, plus 1% of earnings for each <span class="nobr">50-week</span> period of contributions over 500&nbsp;weeks.</p>
<p>Average weekly earnings are based on average annual earnings in the best 3&nbsp;years divided by 52.</p>
<p>The minimum weekly pension is EC$40.</p>
<p>The maximum weekly pension is equal to 60% of average earnings.</p>
<p><span class="h4">Disability grant:</span> A lump sum equal to five times average weekly insurable earnings is paid for each <span class="nobr">50-week</span> period of contributions.</p>
<p>Average weekly insurable earnings are based on the sum of the weekly earnings for the relevant period divided by the number of weeks.</p>
<p>Benefit adjustment: Benefits are reviewed periodically.</p>
<h3>Survivor Benefits</h3>
<p><span class="h4">Survivor pension:</span> 75% of the deceased's pension is payable to a widow aged&nbsp;50 or older or disabled or to a dependent disabled widower. A limited pension is payable for a year to a widow who is younger than age&nbsp;50.</p>
<p><span class="h4">Orphan's pension:</span> 25% of the deceased's pension is paid for each child younger than age&nbsp;16 (age&nbsp;18 if a full-time student); 50% for each disabled child or full orphan.</p>
<p>The minimum weekly pension is EC$8.50; EC$17 for a disabled child or full orphan.</p>
<p>The maximum survivor pension is equal to 100% of the deceased's pension.</p>
<p><span class="h4">Survivor grant:</span> A lump sum equal to five times average weekly insurable earnings for each <span class="nobr">50-week</span> period of contributions.</p>
<p>Average weekly insurable earnings are based on the sum of the weekly earnings for the relevant period divided by the number of weeks.</p>
<p><span class="h4">Funeral grant:</span> EC$2,000 is paid for the insured's funeral; EC$1,500 for the funeral of the insured's spouse; EC$750 for the funeral of the insured's child.</p>
<p>Benefit adjustment: Benefits are reviewed periodically.</p>
<h3>Administrative Organization</h3>
<p>Ministry of Health, Social Security, the Environment, and Ecclesiastical Relations provides general supervision.</p>
<p>National Insurance Board (<a href="https://www.nisgrenada.org/">http://www.nisgrenada.org</a>) administers the program.</p>
<h2>Sickness and Maternity</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First and current law:</span> 1980 (maternity leave) and 1983 (social insurance), with 1988 amendments.</p>
<p><span class="h4">Type of program:</span> Social insurance system. Cash benefits only.</p>
<h3>Coverage</h3>
<p>All private- and public-sector employees and self-employed persons aged&nbsp;16 to 59.</p>
<p>There are no special systems for any specified groups of employees.</p>
<h3>Source of Funds</h3>
<p><span class="h4">Insured person:</span> See source of funds under Old Age, Disability, and Survivors, above.</p>
<p><span class="h4">Self-employed person:</span> See source of funds under Old Age, Disability, and Survivors, above.</p>
<p><span class="h4">Employer:</span> See source of funds under Old Age, Disability, and Survivors, above.</p>
<p><span class="h4">Government:</span> See source of funds under Old Age, Disability, and Survivors, above.</p>
<h3>Qualifying Conditions</h3>
<p><span class="h4">Cash sickness benefits:</span> Employed on the day before the onset of incapacity with at least 13&nbsp;weeks of contributions, including 8 of the 13&nbsp;weeks before the onset of incapacity.</p>
<p><span class="h4">Cash maternity benefits:</span> Must have at least 30&nbsp;weeks of contributions, including 20&nbsp;weeks in the <span class="nobr">30-week</span> period ending 6&nbsp;weeks before the expected date of childbirth.</p>
<p><span class="h4">Maternity grant:</span> The grant is payable to the uninsured wife of an insured man.</p>
<p><span class="h4">Maternity leave:</span> Provided by employers to insured employees.</p>
<p><span class="h4">Funeral grant:</span> The deceased was receiving or was entitled to receive sickness or maternity benefits at the time of death. The grant is payable to the person who meets the cost of the funeral.</p>
<h3>Sickness and Maternity Benefits</h3>
<p><span class="h4">Sickness benefit:</span> The benefit is equal to 65% of average weekly insurable earnings in the 13&nbsp;weeks before the onset of incapacity. The benefit is payable from the first day of incapacity for up to 26&nbsp;weeks; for up to 52&nbsp;weeks with at least 75&nbsp;weeks of paid or credited contributions in the last 3&nbsp;years.</p>
<p><span class="h4">Maternity benefit:</span> The benefit is equal to 65% of average weekly insurable earnings in the 30&nbsp;weeks before the start of the claim. The benefit is payable for a maximum of 12&nbsp;weeks, beginning 6&nbsp;weeks before the expected date of childbirth and up to 6&nbsp;weeks after.</p>
<p>The minimum maternity benefit is EC$450.</p>
<p><span class="h4">Maternity leave:</span> The employer provides an additional 40% of average insurable earnings for 2&nbsp;months of the <span class="nobr">3-month</span> maternity leave period.</p>
<p><span class="h4">Maternity grant:</span> The minimum grant is EC$450.</p>
<p><span class="h4">Funeral grant:</span> EC$2,000.</p>
<p>Benefit adjustment: Benefits are reviewed periodically.</p>
<h3>Workers' Medical Benefits</h3>
<p>No statutory benefits are provided.</p>
<h3>Dependents' Medical Benefits</h3>
<p>No statutory benefits are provided.</p>
<h3>Administrative Organization</h3>
<p>Ministry of Health, Social Security, the Environment, and Ecclesiastical Relations provides general supervision.</p>
<p>National Insurance Board (<a href="https://www.nisgrenada.org/">http://www.nisgrenada.org</a>) administers the program.</p>
<h2>Work Injury</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First and current laws:</span> 1982 (workmen's compensation), with 1982 amendment; and 1983 (social insurance), with 1998 amendment.</p>
<p><span class="h4">Type of program:</span> Social insurance system.</p>
<h3>Coverage</h3>
<p>All private- and public-sector employees aged&nbsp;16 to 59.</p>
<p>Exclusions: The self-employed. (Coverage may be extended to the self-employed before the end of 2006.)</p>
<p>There are no special systems for any specified groups of employees.</p>
<h3>Source of Funds</h3>
<p><span class="h4">Insured person:</span> None.</p>
<p><span class="h4">Self-employed person:</span> Not applicable.</p>
<p><span class="h4">Employer:</span> 1% of the total 5% of gross monthly wages paid under Old Age, Disability, and Survivors, above.</p>
<p><span class="h4">Government:</span> None; contributes as an employer.</p>
<h3>Qualifying Conditions</h3>
<p><span class="h4">Work injury benefits:</span> There is no minimum qualifying period.</p>
<h3>Temporary Disability Benefits</h3>
<p>The benefit is equal to 70% of average weekly insurable earnings in the last 13&nbsp;weeks. The benefit is payable from the day of the accident or certified onset of the occupational disease until recovery, up to a maximum of 26&nbsp;weeks.</p>
<p>The degree of disability is assessed by the insured's doctor only once.</p>
<p>Benefit adjustment: Benefits are reviewed periodically.</p>
<h3>Permanent Disability Benefits</h3>
<p>For total disability (100%), the benefit is equal to 70% of average weekly insurable earnings in the last 13&nbsp;weeks. For an assessed degree of disability of less than 100%, the benefit is proportionately reduced. The degree of assessed disability must be greater than 1%.</p>
<p>If the assessed degree of disability is less than 30%, a lump sum is paid.</p>
<p>The degree of disability is assessed by the insured's doctor only once.</p>
<p>There is no maximum period for which the benefit is payable.</p>
<p>Constant-attendance allowance: Equal to 50% of the benefit, if 100% disabled.</p>
<p>Benefit adjustment: Benefits are reviewed periodically.</p>
<h3>Workers' Medical Benefits</h3>
<p>Benefits include medical, surgical, dental, and hospital treatment; skilled nursing services; the cost of medicines; prostheses; overseas treatment; and the cost of transportation.</p>
<h3>Survivor Benefits</h3>
<p><span class="h4">Survivor pension:</span> 75% of the deceased's pension is payable to a <span class="nobr">widow(er)</span> for life.</p>
<p>The pension ceases on remarriage.</p>
<p><span class="h4">Orphan's pension:</span> Each child younger than age&nbsp;16 (age&nbsp;18 if a full-time student) receives 25% of the deceased's pension; 50% for each disabled child or full orphan.</p>
<p>The minimum weekly pension is EC$8.50; EC$17 for a disabled child or full orphan.</p>
<p><span class="h4">Other dependent's pension:</span> 50% of the deceased's pension is paid if the survivor was totally dependent on the insured; 25% if partially dependent. The pension is payable for a maximum of 52&nbsp;weeks from the insured's date of death.</p>
<p>The minimum weekly pension is EC$8.50; EC$17 for a disabled child or full orphan.</p>
<p>The maximum total survivor pension is 100% of the deceased's pension.</p>
<p><span class="h4">Funeral grant:</span> EC$2,000 is payable to the person who meets the cost of the funeral.</p>
<p>Benefit adjustment: Benefits are reviewed periodically.</p>
<h3>Administrative Organization</h3>
<p>Ministry of Housing, Social Security, and Women's Affairs provides general supervision.</p>
<p>National Insurance Board (<a href="https://www.nisgrenada.org/">http://www.nisgrenada.org</a>) administers the program.</p>
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