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<h1>Social Security Programs Throughout the World: Africa, 2005</h1>
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<div class="innards">
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<h1>Gambia</h1>
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<div class="exchangeRate">Exchange rate: US$1.00 equals 29 dalasi.</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> 1981 (provident fund), implemented in 1982.</p>
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<p><span class="h4">Current law:</span> 1987 (pension scheme).</p>
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<p><span class="h4">Type of program:</span> Social insurance and provident fund system.</p>
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<h3>Coverage</h3>
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<p><span class="h4">Provident fund:</span> Employees aged 18 to 54 in the private sector.</p>
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<p><span class="h4">Pension scheme:</span> Employees aged 20 to 54 in quasi-government institutions and in participating private companies.</p>
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<p>Exclusions: Casual workers.</p>
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<p>Special system for civil servants covered by the 1950 Pensions Act and armed forces personnel.</p>
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<h3>Source of Funds</h3>
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<h4>Insured person</h4>
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<p><span class="h5">Pension scheme:</span> None.</p>
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<p><span class="h5">Provident fund:</span> 5% of basic salary.</p>
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<h4>Self-employed person</h4>
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<p><span class="h5">Pension scheme:</span> Not applicable.</p>
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<p><span class="h5">Provident fund:</span> Not applicable.</p>
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<h4>Employer</h4>
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<p><span class="h5">Pension scheme:</span> 19% of payroll.</p>
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<p><span class="h5">Provident fund:</span> 10% of basic salary.</p>
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<h4>Government</h4>
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<p><span class="h5">Pension scheme:</span> None.</p>
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<p><span class="h5">Provident fund:</span> None.</p>
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<h3>Qualifying Conditions</h3>
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<h4>Old-age pension</h4>
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<p><span class="h5">Old-age pension (pension scheme):</span> Age 55 with at least 10 years of contributions.</p>
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<p>Early pension (pension scheme): From age 45 with at least 10 years of contributions; if the insured retires before age 45 with at least 5 years of contributions, the pension is withheld until age 45 (except in cases when the insured is laid-off).</p>
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<p><span class="h5">Old-age settlement (pension scheme):</span> Payable with a minimum of 5 years but less than 10 years of contributions.</p>
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<p><span class="h5">Old-age benefit (provident fund):</span> Age 55; voluntary retirement from age 45 with at least 5 years of contributions and after 2 years of unemployment. Benefits are payable to women who leave employment to marry.</p>
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<p>Deferred retirement (provident fund): If agreed by the Social Security and Housing Finance Corporation and the employer, contributions can be paid to age 60.</p>
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<h4>Disability pension</h4>
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<p><span class="h5">Disability pension (pension scheme):</span> Incapacity for work due to a disability and with at least 10 years of contributions. The medical board assesses the disability.</p>
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<p><span class="h5">Disability settlement (pension scheme):</span> Incapacity for work due to a disability. Payable with a minimum of 5 years but less than 10 years of contributions.</p>
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<p><span class="h5">Disability benefit (provident fund):</span> Incapacity for work due to a disability. The medical board assesses the disability.</p>
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<h4>Survivor pension</h4>
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<p><span class="h5">Survivor pension (pension scheme):</span> The deceased qualified for a pension. The lump sum is paid to named survivors and eligible orphans.</p>
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<p><span class="h5">Survivor benefit (provident fund):</span> The death of the fund member before retirement. The lump sum is paid to named survivors and eligible orphans.</p>
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<h3>Old-Age Benefits</h3>
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<h4>Old-age pension</h4>
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<p><span class="h5">Old-age pension (pension scheme):</span> An annuity is purchased with 75% of the total employee and employer contributions, and the remaining 25% is paid as a lump sum.</p>
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<p>Early pension (pension scheme): The early pension is calculated in the same way as the old-age pension but with a reduction based on age at the date of retirement.</p>
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<p><span class="h5">Old-age settlement (pension scheme):</span> A lump sum is paid.</p>
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<p><span class="h5">Old-age benefit (provident fund):</span> A lump sum equal to total employer and employee contributions, plus accrued interest.</p>
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<p>Deferred old-age benefit (provident fund): A lump sum equal to total employer and employee contributions, plus accrued interest.</p>
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<h3>Permanent Disability Benefits</h3>
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<h4>Disability pension</h4>
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<p><span class="h5">Disability pension (pension scheme):</span> An annuity is purchased with 75% of the total employee and employer contributions and the remaining 25% is paid as a lump sum. The total amount may be paid as a lump sum if the insured is seriously ill.</p>
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<p><span class="h5">Disability settlement (pension scheme):</span> A lump sum is paid.</p>
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<p><span class="h5">Disability benefit (provident fund):</span> A lump sum equal to total employer and employee contributions, plus accrued interest.</p>
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<p>Partial disability (provident fund): Up to a maximum of 50% of the full disability benefit, according to the assessed degree of disability. Further payments are based on an assessment of the disability by the medical board.</p>
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<h3>Survivor Benefits</h3>
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<h4>Survivor pension</h4>
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<p><span class="h5">Survivor pension (pension scheme):</span> A lump sum equal to twice the deceased's annual salary is payable if the deceased was still contributing, irrespective of the number of contributions; a lump sum based on the value of the accrued pension if the deceased had opted to take an early pension; or the remaining balance of the pension if the deceased was a pensioner.</p>
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<p><span class="h5">Survivor benefit (provident fund):</span> A lump sum equal to total employer and employee contributions, plus accrued interest.</p>
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<h3>Administrative Organization</h3>
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<p>Social Security and Housing Finance Corporation (http://www.sshfc.gm) administers the pension scheme and the provident fund.</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 law:</span> 1940 (workmen's compensation).</p>
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<p><span class="h4">Current law:</span> 1990 (injuries compensation), implemented in 1996.</p>
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<p><span class="h4">Type of program:</span> Employer-liability system.</p>
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<h3>Coverage</h3>
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<p>Employed persons in government and public enterprises, local government authorities, and the private sector.</p>
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<p>Exclusions: Armed forces personnel, casual workers, domestic workers, and family members living in the employer's home.</p>
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<h3>Source of Funds</h3>
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<p><span class="h4">Insured person:</span> None.</p>
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<p><span class="h4">Self-employed person:</span> Not applicable.</p>
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<p><span class="h4">Employer:</span> 1% of payroll.</p>
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<p>The maximum monthly earnings for contribution purposes are 1,500 dalasi.</p>
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<p><span class="h4">Government:</span> None; contributes as an employer for civil servants.</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, but the incapacity must last at least 5 consecutive days.</p>
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<h3>Temporary Disability Benefits</h3>
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<p>The monthly benefit is equal to 60% of the insured's earnings. The benefit is payable for a maximum of 6 months.</p>
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<p>The maximum monthly earnings for benefit calculation purposes are 1,500 dalasi.</p>
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<p>Partial disability: A reduced pension is payable (normally 60% of the difference between earnings before and after the onset of disability). Benefits are payable until recovery or certification of permanent disability after 12 months.</p>
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<p>A lump sum is payable if the insured is living abroad.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Permanent disability pension:</span> For a total disability, a monthly pension equal to 60% of the insured's earnings.</p>
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<p>The minimum monthly benefit is 100 dalasi.</p>
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<p>The maximum monthly earnings for benefit calculation purposes are 1,500 dalasi.</p>
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<p>Partial disability: For an assessed degree of disability of 20% or more, a reduced pension is paid; for an assessed disability of less than 20%, a lump sum is paid.</p>
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<p>Constant-attendance allowance: Equal to 25% of the permanent disability pension.</p>
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<h3>Workers' Medical Benefits</h3>
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<p>Benefits include medical, surgical, hospital, and nursing care; and medicines.</p>
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<p>The Injuries Compensation Fund pays 75% of the cost and the employer pays 25%.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Survivor benefit:</span> A lump sum equal to 120 months of the deceased's earnings is payable to survivors who were fully dependent on the insured; a reduced benefit is paid to survivors who were only partially dependent.</p>
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<p>The minimum survivor benefit is 100,000 dalasi.</p>
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<p>The maximum survivor benefit is 180,000 dalasi.</p>
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<p>The maximum monthly earnings for benefit calculation purposes are 1,500 dalasi.</p>
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<p><span class="h4">Funeral grant:</span> If there are no surviving dependents, burial expenses are payable up to a maximum of 1,000 dalasi.</p>
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<h3>Administrative Organization</h3>
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<p>Social Security and Housing Finance Corporation (http://www.sshfc.gm) enforces the law.</p>
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<p>Injuries Compensation Fund administers the program.</p>
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