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<h1>Social Security Programs Throughout the World: Africa, 2003</h1>
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<h1>Mali</h1>
<div class="exchangeRate">Exchange rate: U.S.$1.00 equals 628.89 CFA francs.</div>
<p>Note: This information is from 1999.</p>
<h2>Old Age, Disability, and Survivors</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First law:</span> 1961.</p>
<p><span class="h4">Current laws:</span> 1962 and 1986 (old-age and survivors).</p>
<p><span class="h4">Type of program:</span> Social insurance system.</p>
<h3>Coverage</h3>
<p>Employed persons.</p>
<p>Special system for public-sector employees.</p>
<h3>Source of Funds</h3>
<p><span class="h4">Insured person:</span> 3.6% of earnings.</p>
<p><span class="h4">Employer:</span> 5.4% of payroll.</p>
<p><span class="h4">Government:</span> None.</p>
<h3>Qualifying Conditions</h3>
<p><span class="h4">Old-age pension:</span> Age 55 with at least 10 years of contributions. Retirement from all gainful activity is necessary.</p>
<p>Early pension: Age 50, with a 5% reduction for each year that the pension is taken before age 55. The pension is not reduced if the insured person is deemed incapable of work.</p>
<p>The pension is payable abroad if there is a reciprocal agreement. Otherwise, the insured's contributions are refunded at retirement or upon permanent departure from the country.</p>
<p><span class="h4">Disability pension:</span> At least 5 years of coverage and a 2/3 loss in earning capacity. The disability is reviewed every 6 months. At age 50, the benefit is converted to an early old-age pension.</p>
<p><span class="h4">Survivor pension:</span> The insured person was a pensioner or met the pension requirements at the time of death. The widow(er) must have been married to the insured for at least 2 years. Children must qualify for family allowance benefits.</p>
<p><span class="h4">Survivor allowance:</span> Payable to the insured's widow if the insured had at least 10 years of coverage.</p>
<h3>Old-Age Benefits</h3>
<p><span class="h4">Old-age pension:</span> An annual benefit of 1/60 of average monthly earnings in the last 5 years before retirement times the number of months of insurance coverage.</p>
<p>The minimum pension is 60% of the minimum wage.</p>
<p>Benefit adjustment: Pensions are adjusted automatically for cost-of-living changes.</p>
<h3>Permanent Disability Benefits</h3>
<p><span class="h4">Disability pension:</span> An annual benefit of 1/60 of average monthly earnings in the last 5 years before the onset of disability times the number of months of insurance coverage.</p>
<p>The minimum pension is 60% of the minimum wage.</p>
<p>Benefit adjustment: Pensions are adjusted automatically for cost-of-living changes.</p>
<h3>Survivor Benefits</h3>
<p><span class="h4">Survivor pension:</span> 50% of the insured's pension, payable to a widow(er) of any age.</p>
<p><span class="h4">Orphan's pension:</span> 10% of the insured's pension for each dependent orphan under age 14 (age 18 if an apprentice; age 21 if a student or disabled).</p>
<p>The maximum orphan's pension is 50% of the insured's pension.</p>
<p>Benefit adjustment: Pensions are adjusted automatically for cost-of-living changes.</p>
<h3>Administrative Organization</h3>
<p>Ministry of Labor, Employment, and Public Service provides general supervision.</p>
<p>Managed by a tripartite board and director general, the National Social Insurance Institute administers the program.</p>
<h2>Sickness and Maternity</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First law:</span> 1952.</p>
<p><span class="h4">Current law:</span> 1962.</p>
<p><span class="h4">Type of program:</span> Social insurance system. Maternity benefits only.</p>
<h3>Coverage</h3>
<p>Employed persons.</p>
<h3>Source of Funds</h3>
<p><span class="h4">Insured person:</span> None.</p>
<p><span class="h4">Employer:</span> 2% of payroll. Maternity benefits only.</p>
<p><span class="h4">Government:</span> None.</p>
<h3>Qualifying Conditions</h3>
<p><span class="h4">Cash sickness benefits:</span> No statutory benefits are provided.</p>
<p><span class="h4">Cash maternity benefits:</span> Nine months of insured employment.</p>
<h3>Sickness and Maternity Benefits</h3>
<p><span class="h4">Sickness benefit:</span> No statutory benefits are provided.
(Employers are required to provide paid sick leave for employees.)</p>
<p><span class="h4">Maternity benefit:</span> 100% of earnings, payable for 6 weeks before and 8 weeks (11 weeks in the case of complications) after the expected date of childbirth.</p>
<h3>Workers' Medical Benefits</h3>
<p>Working women receive necessary medical care during pregnancy and childbirth.</p>
<p>Employers are required to provide certain medical services and medicines to their employees and their dependents, in part through a joint interemployer medical services program operated by the National Social Insurance Institute.</p>
<h3>Dependents' Medical Benefits</h3>
<p>The wife of an insured person receives the same maternity care as an insured woman. (Some maternity and child health and welfare services are provided under Family Allowances, below.)</p>
<h3>Administrative Organization</h3>
<p>Ministry of Health, Solidarity, and Aged Persons provides general supervision.</p>
<p>National Social Insurance Institute administers the program.</p>
<h2>Work Injury</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First law:</span> 1932.</p>
<p><span class="h4">Current law:</span> 1962.</p>
<p><span class="h4">Type of program:</span> Social insurance system.</p>
<h3>Coverage</h3>
<p>Employed persons, members of cooperatives, and apprentices.</p>
<p>Special systems for public-sector employees and seamen.</p>
<h3>Source of Funds</h3>
<p><span class="h4">Insured person:</span> None.</p>
<p><span class="h4">Employer:</span> 1% to 4% of payroll, according to the assessed degree of risk.</p>
<p><span class="h4">Government:</span> None.</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>100% of earnings, payable from the day following the onset of disability until full recovery or certification of permanent disability.</p>
<h3>Permanent Disability Benefits</h3>
<p><span class="h4">Permanent disability pension:</span> For total disability, 100% of average earnings.</p>
<p>Partial disability: Average earnings multiplied by 0.5 times the assessed degree of disability for the portion of disability between 10% and 50% and by 1.5 times the assessed degree of disability for the portion above 50%.</p>
<p>The maximum pension is 900,000 CFA francs a year.</p>
<p>Constant-attendance supplement: 40% of the pension.</p>
<h3>Workers' Medical Benefits</h3>
<p>Benefits include medical and surgical care, hospitalization, medicines, appliances, transportation, and rehabilitation.</p>
<h3>Survivor Benefits</h3>
<p><span class="h4">Survivor pension:</span> 30% of the insured's earnings, payable to the widow(er).</p>
<p><span class="h4">Orphan's pension:</span> 15% of the insured's earnings each for the first and second orphan and 10% for each additional orphan (20% for each full orphan) under age 14 (age 18 if an apprentice; age 21 if a student or disabled).</p>
<p><span class="h4">Dependent parents and grandparents:</span> 10% of the insured's earnings each, up to a maximum of 30%.</p>
<p>The maximum survivor pension is 85% of the insured's earnings.</p>
<p><span class="h4">Funeral grant:</span> The cost of the burial.</p>
<h3>Administrative Organization</h3>
<p>Ministry of Labor, Employment, and Public Service provides general supervision.</p>
<p>National Social Insurance Institute administers contributions and benefits.</p>
<h2>Family Allowances</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First law:</span> 1955.</p>
<p><span class="h4">Current law:</span> 1962.</p>
<p><span class="h4">Type of program:</span> Employment-related system.</p>
<h3>Coverage</h3>
<p>Employees with one or more children.</p>
<p>Special system for public-sector employees.</p>
<h3>Source of Funds</h3>
<p><span class="h4">Insured person:</span> None.</p>
<p><span class="h4">Employer:</span> 8% of payroll.</p>
<p><span class="h4">Government:</span> Subsidies to cover any deficits.</p>
<h3>Qualifying Conditions</h3>
<p><span class="h4">Family allowances:</span> The child must be under age 14 (age 18 if an apprentice; age 21 if a student or disabled). Evidence of receiving pediatric care for preschool children is necessary. The parent must have had 9 consecutive months of employment and be currently working 18 days a month (or be the widow(er) of a beneficiary).</p>
<p><span class="h4">Prenatal allowance:</span> Subject to medical examinations and care specified in law.</p>
<p><span class="h4">Birth grant:</span> Subject to medical examinations and care specified in law.</p>
<h3>Family Allowance Benefits</h3>
<p><span class="h4">Family allowances:</span> 880 CFA francs a month for each child.</p>
<p><span class="h4">Prenatal allowance:</span> 4,089 CFA francs.</p>
<p><span class="h4">Birth grant:</span> 5,450 CFA francs for each birth, payable in three installments.</p>
<p>Some maternity and child health and welfare services are also provided.</p>
<h3>Administrative Organization</h3>
<p>Ministry of Labor, Employment, and Public Service provides general supervision.</p>
<p>National Social Insurance Institute administers the program.</p>
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