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<h1>Social Security Programs Throughout the World: The Americas, 2005</h1>
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<h1>Uruguay</h1>
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<div class="exchangeRate">Exchange rate: US$1.00 equals 24.15 new pesos (NP).</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 laws:</span> Various laws from 1829 to 1954.</p>
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<p><span class="h4">Current law:</span> 1995 (social insurance and individual accounts), implemented in 1996.</p>
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<p><span class="h4">Type of program:</span> Social insurance, individual account, and social assistance system.</p>
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<p>Note: The mixed social insurance and individual account system is mandatory for employed and self-employed persons born after April 1, 1956, with monthly earnings greater than 12,951 <abbr>NP</abbr>; the individual account is voluntary for those with monthly income of 12,951 <abbr>NP</abbr> or less.</p>
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<h3>Coverage</h3>
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<p><span class="h4">Social insurance:</span> Employed and self-employed persons, including rural and domestic workers.</p>
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<p>Special systems for bank employees, notaries, university graduates, armed forces personnel, and police force personnel.</p>
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<p><span class="h4">Social insurance and individual account:</span> Employed and self-employed persons, including rural and domestic workers, with monthly earnings greater than 12,951 <abbr>NP</abbr>.</p>
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<p>Voluntary coverage for employed and self-employed persons with monthly earnings of 12,951 <abbr>NP</abbr> or less.</p>
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<p>Special systems for bank employees, notaries, university graduates, armed forces personnel, and police force personnel.</p>
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<p><span class="h4">Social assistance:</span> Needy elderly or disabled persons.</p>
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<h3>Source of Funds</h3>
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<p><span class="h4">Insured person:</span> Contributions depend on the insured's level of monthly earnings and whether the insured has an individual account:</p>
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<ul>
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<li>15% of gross monthly earnings to social insurance, with earnings up to 12,951 <abbr>NP</abbr>. (If the insured opted for the individual account, 7.5% of gross monthly earnings to social insurance and 7.5% of gross monthly earnings to the individual account.)</li>
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<li>15% of gross monthly earnings (up to a ceiling of 12,951 <abbr>NP</abbr>) to social insurance and 15% of monthly earnings for earnings above 12,951 <abbr>NP</abbr> to the individual account, with monthly earnings from 12,951 <abbr>NP</abbr> up to a ceiling of 19,427 <abbr>NP</abbr>. (If the insured opted for the individual account, 7.5% of monthly earnings (up to a ceiling of 12,951 <abbr>NP</abbr>) plus 15% of monthly earnings for earnings above 12,951 <abbr>NP</abbr> (up to a ceiling of 19,427 <abbr>NP</abbr>) to social insurance and 7.5% (up to a ceiling of 12,951 <abbr>NP</abbr>) to the individual account.)</li>
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<li>15% of monthly earnings (up to a ceiling of 12,951 <abbr>NP</abbr>) to social insurance and 15% of monthly earnings for earnings above 12,951 <abbr>NP</abbr> (up to a ceiling of 38,854 <abbr>NP</abbr>) to the individual account, with earnings of 19,427 <abbr>NP</abbr> or more.</li>
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</ul>
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<p>The insured's contribution includes an average 0.98% of earnings for disability and survivor insurance and an average 1.88% of earnings for administrative fees.</p>
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<p>The minimum monthly earnings for contribution purposes are 1,397 <abbr>NP</abbr>.</p>
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<p>Earnings for contribution purposes are adjusted according to the civil servants' average wage index.</p>
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<p><span class="h4">Self-employed person:</span> 15% of declared earnings including an average 0.98% of declared earnings for disability and survivor insurance and an average 1.88% of declared earings for administrative fees.</p>
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<p>The minimum monthly declared earnings for contribution purposes are 2,829.42 <abbr>NP</abbr>.</p>
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<p>Street vendors with annual earnings up to 400,000 <abbr>NP</abbr> contribute 27.625% of 1,397 <abbr>NP</abbr> for old-age, disability, and survivor benefits (plus an additional amount if covered for sickness benefits).</p>
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<p><span class="h4">Employer:</span> 12.5% of payroll for social insurance only.</p>
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<p>The minimum monthly earnings for contribution purposes are 1,397 <abbr>NP</abbr>.</p>
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<p>The maximum monthly earnings for contribution purposes are 38,854 <abbr>NP</abbr>.</p>
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<p><span class="h4">Government:</span> Earmarked proceeds of various taxes help finance pension deficits; pays the total cost of noncontributory benefits; contributes as an employer.</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 (social insurance):</span> Age 60 (men and women) with at least 35 years of coverage. Additional years of service are credited for hazardous occupations.</p>
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<p>Deferred pension: With at least 35 years of coverage, the pension is increased for each year of deferral.</p>
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<p><span class="h5">Old-age pension (individual account):</span> Age 60 (men and women) with at least 35 years of coverage; age 65 with no coverage requirement.</p>
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<p><span class="h5">Advanced-age pension (social insurance and individual account):</span> Age 70 (men and women) with 15 years of service. Retirement from the current place of employment is necessary.</p>
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<p><span class="h5">Noncontributory means-tested pension (social assistance):</span> Age 70 (men and women), assessed as needy, and with at least 15 years of residency.</p>
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<h4>Disability pension</h4>
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<p><span class="h5">Permanent disability pension (social insurance and individual account):</span> Must be incapable of any work and have an assessed degree of disability of at least 66%. If the disability is the result of an accident, there are no other qualifying conditions. Must have at least 2 years of recognized service, including the 6 months before the onset of disability; at least 6 months of recognized service before the onset of disability if younger than age 26. Coverage is extended for up to 2 years after employment ceases if the insured has at least 10 years of coverage.</p>
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<p><span class="h5">Partial disability benefit (social insurance and individual account):</span> Must be incapable of work in the usual job and have an assessed degree of disability of 50% to 66%. If the disability is the result of an accident, there are no other qualifying conditions. Must have at least 2 years of recognized service, including the 6 months before the onset of disability; at least 6 months of recognized service before the onset of disability if younger than age 26. The benefit is payable on a temporary basis and is subject to a reassessment of the incapacity to work.</p>
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<p>District medical commissions of the Social Security Bank assess the degree of incapacity to work.</p>
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<p><span class="h5">Noncontributory means-tested pension (social assistance):</span> Assessed as totally and permanently disabled, needy, and with at least 15 years of residency.</p>
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<h4>Survivor pension</h4>
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<p><span class="h5">Survivor pension (social insurance and individual account):</span> The deceased was working; a pensioner; a beneficiary of partial disability benefit, sickness benefit, maternity benefit, or work injury benefit; unemployed and receiving unemployment benefits; or death occurred in the <span class="nobr">12-month</span> period after unemployment benefit ceased. Coverage is extended for up to 12 months after employment ceases; no limit with at least 10 years of coverage.</p>
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<p>Eligible survivors include a <span class="nobr">widow(er)</span>, a divorced spouse, orphans up to age 21 (no limit if disabled), and dependent disabled parents. A <span class="nobr">widow(er)</span> or a divorced spouse younger than age 30 receives benefits for 2 years; from age 30 to age 39, for 5 years; or without limit if older than age 39. A <span class="nobr">widow(er)</span> must have average monthly earnings in the 12 months before the insured's death of no more than 38,854 <abbr>NP</abbr>; 22,341.33 <abbr>NP</abbr> for a divorced spouse.</p>
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<p><span class="h4">Funeral grant:</span> The grant is payable to eligible survivors or to the person who paid for the funeral. (If the funeral costs are paid by a pension scheme, only necessary additional funeral costs are paid.)</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 (social insurance):</span> The monthly benefit is 50% of average indexed earnings in the last 10 or 20 years, whichever is higher, with at least 35 years of coverage. The pension is increased by 0.5% for each year of work exceeding 35 years, up to a maximum of 2.5%, and by 2% for each year of work after age 60 if the contribution condition was not met.</p>
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<p>Deferred pension: The pension is increased by 3% for each year after age 60, up to a maximum of 30%.</p>
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<p>The maximum earnings for benefit calculation purposes are 12,951 <abbr>NP</abbr>.</p>
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<p>The minimum monthly pension is 1,452.20 <abbr>NP</abbr>.</p>
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<p>The maximum monthly pension is 10,684.98 <abbr>NP</abbr>.</p>
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<p>The pension is payable abroad under bilateral or multilateral agreement only.</p>
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<p>Benefit adjustment: Pensions are adjusted according to the civil servants' average wage index.</p>
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<p><span class="h5">Advanced-age pension (social insurance):</span> The monthly benefit is 50% of average indexed earnings in the last 10 or 20 years, whichever is higher, plus 1% for each year of work exceeding 15 years, up to a maximum of 14%.</p>
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<p>The pension is payable abroad under bilateral or multilateral agreement only.</p>
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<p>Benefit adjustment: Pensions are adjusted according to the civil servants' average wage index.</p>
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<p><span class="h5">Old-age pension (individual account):</span> The value of the pension is dependent on the insured's contributions plus accrued interest, minus administrative fees. At retirement, the insured uses the accumulated capital to purchase an annuity from an insurance company.</p>
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<p>The pension is payable abroad under bilateral or multilateral agreement only.</p>
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<p><span class="h5">Advanced-age pension (individual account):</span> The value of the pension is dependent on the insured's contributions plus accrued interest, minus administrative fees. At retirement, the insured uses the accumulated capital to purchase an annuity from an insurance company.</p>
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<p>The pension is payable abroad under bilateral or multilateral agreement only.</p>
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<p><span class="h5">Noncontributory means-tested pension (social assistance):</span> 2,498.73 <abbr>NP</abbr> a month.</p>
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<p>Benefit adjustment: Pensions are adjusted according to the civil servants' average wage index.</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">Permanent disability pension (social insurance):</span> The monthly pension is equal to 65% of average indexed earnings in the 10 or 20 years before the onset of disability, whichever is higher, or the total number of years worked if less than 10 years.</p>
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<p>Special allowances: A lump sum of 1,036 <abbr>NP</abbr> is paid for transportation costs, and a lump sum of 1,921 <abbr>NP</abbr> is paid for rehabilitation costs.</p>
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<p>Partial disability benefit (social insurance): The monthly benefit is equal to 65% of average indexed earnings in the 10 or 20 years before the onset of disability, whichever is higher, or the total number of years worked if less than 10 years. The benefit is payable for up to 3 years.</p>
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<p>The maximum earnings for benefit calculation purposes are 12,951 <abbr>NP</abbr>.</p>
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<p>The minimum monthly benefit is 2,425.64 <abbr>NP</abbr>.</p>
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<p>The maximum monthly benefit is 10,684.98 <abbr>NP</abbr>.</p>
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<p>Benefits are payable abroad under bilateral or multilateral agreement only.</p>
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<p>Benefit adjustment: Benefits are adjusted according to the civil servants' average wage index.</p>
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<p><span class="h5">Permanent disability pension (individual account):</span> The monthly pension is equal to 45% of average indexed earnings in the 10 years before the onset of disability. (Disability insurance tops up the accumulated capital in the individual account if the balance is less than the required minimum to finance the permanent disability pension.)</p>
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<p>Partial disability benefit (individual account): The monthly pension is equal to 45% of average indexed earnings in the 10 years before the onset of disability. The benefit is payable for up to 3 years.</p>
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<p><span class="h5">Noncontributory means-tested pension (social assistance):</span> 2,498.73 <abbr>NP</abbr> a month.</p>
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<p>Benefit adjustment: Pensions are adjusted according to the civil servants' average wage index.</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 (social insurance and individual account):</span> A monthly pension equal to between 66% and 75% of the pension paid or payable to the deceased is paid, depending on the number of survivors. (Life insurance tops up the accumulated capital in the deceased's individual account if the balance is less than the required minimum to finance the survivor pension.)</p>
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<p>Widow(er)s and divorced spouses share 100% of the pension if there are no other eligible survivors. Widow(er)s and divorced spouses share 70% of the total pension if they have children; 60% if there are no children but other eligible survivors. The remainder is split equally among other eligible survivors. In the absence of a <span class="nobr">widow(er)</span> or a divorced spouse, 100% of the pension is split equally among other eligible survivors.</p>
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<p>Eligibility ceases if the <span class="nobr">widow(er)</span> or divorced spouse remarries.</p>
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<p>For members of an individual account scheme, the accumulated capital in the individual account, equal to the insured's contributions plus accrued interest, minus administrative fees, is transferred to an insurance company, which pays the pension.</p>
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<p>Survivor pensions are payable abroad under bilateral or multilateral agreement only.</p>
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<p>Benefit adjustment: Pensions are adjusted according to the civil servants' average wage index.</p>
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<p><span class="h4">Funeral grant:</span> The cost of the funeral up to 6,015.27 <abbr>NP</abbr>. (Additional costs related to the funeral are covered up to 2,978.84 <abbr>NP</abbr>.)</p>
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<h3>Administrative Organization</h3>
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<p>Ministry of Labor and Social Security (<a href="http://www.mtss.gub.uy/">http://www.mtss.gub.uy</a>) provides general supervision.</p>
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<p>Social Security Bank (<a href="http://www.bps.gub.uy/">http://www.bps.gub.uy</a>) supervises and administers the social insurance program.</p>
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<p>Pension fund management companies (<abbr>AFAP</abbr>s) manage the individual accounts.</p>
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<p>Central Bank of Uruguay (http://www.bcu.gub.uy) oversees pension fund management companies and insurance companies.</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 laws:</span> 1958 (maternity benefits) and 1960 (sickness benefits for construction workers).</p>
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<p><span class="h4">Current laws:</span> 1975 (sickness), 1980 (maternity), 1981 (maternity), 1995 (pensioners), 1999 (maternity), and 2001 (child adoption).</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><span class="h4">Sickness benefits:</span> Employed persons in the private sector, self-employed persons, persons receiving unemployment benefits, and employers with one employee.</p>
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<p>Voluntary coverage for rural workers and their spouses; and pensioners.</p>
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<p>Special systems for bank employees and civil servants.</p>
|
|
<p><span class="h4">Maternity benefits:</span> Benefits are provided under Family Allowances, below.</p>
|
|
<h3>Source of Funds</h3>
|
|
<p><span class="h4">Insured person:</span> 3% of gross earnings; 3% of gross earnings for voluntary coverage.</p>
|
|
<p>The minimum earnings for contribution purposes are 1,746.25 <abbr>NP</abbr>.</p>
|
|
<p><span class="h4">Self-employed person:</span> 8% of declared earnings.</p>
|
|
<p><span class="h4">Employer:</span> 5% of payroll, plus an additional amount for medical benefits. Employers with one employee contribute 8% of declared earnings.</p>
|
|
<p><span class="h4">Government:</span> Earmarked proceeds of various taxes help finance maternity benefits and any deficits for sickness benefits.</p>
|
|
<h3>Qualifying Conditions</h3>
|
|
<p><span class="h4">Cash sickness benefits:</span> Must have 3 months of contributions or 75 days of contributions in the last 12 months.</p>
|
|
<p><span class="h4">Cash maternity benefits:</span> See Family Allowances, below.</p>
|
|
<h3>Sickness and Maternity Benefits</h3>
|
|
<p><span class="h4">Sickness benefit:</span> The benefit is equal to 70% of earnings and is payable after a <span class="nobr">3-day</span> waiting period (no waiting period in case of hospitalization) for up to a year; may be extended for an additional year.</p>
|
|
<p>The maximum monthly benefit is 4,191 <abbr>NP</abbr>; 978 <abbr>NP</abbr> for the self-employed.</p>
|
|
<p><span class="h4">Maternity benefit:</span> See Family Allowances, below.</p>
|
|
<h3>Workers' Medical Benefits</h3>
|
|
<p>Medical services are available through mutual health institutions. Medical services include medical assistance, surgery, and pharmaceutical products.</p>
|
|
<p>Grants for eyeglasses, contact lenses, prostheses, orthopedic appliances, wheelchairs, and psychiatric hospitalization are provided by health institutions.</p>
|
|
<p>Prenatal and postnatal medical care is provided for insured women under Family Allowances, below.</p>
|
|
<p>Copayments for benefits range from 43 <abbr>NP</abbr> to 189 <abbr>NP</abbr>.</p>
|
|
<h3>Dependents' Medical Benefits</h3>
|
|
<p>Medical services are available through mutual health institutions. Medical services include medical assistance, surgery, and pharmaceutical products.</p>
|
|
<p>Grants for eyeglasses, contact lenses, prostheses, orthopedic appliances, wheelchairs, and psychiatric hospitalization are provided by health institutions.</p>
|
|
<p>Prenatal and postnatal medical care are provided for insured women under Family Allowances, below.</p>
|
|
<p>Maternity care for the wife of an insured man and pediatric care for the insured's children up to age 6 (may be extended to age 14) are provided under Family Allowances, below.</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p>Social Security Bank (<a href="http://www.bps.gub.uy/">http://www.bps.gub.uy</a>) supervises and administers the social insurance program.</p>
|
|
<p>Collective medical assistance or mutual health institutions contracted by the Social Security Bank provide medical benefits.</p>
|
|
<h2>Work Injury</h2>
|
|
<h3>Regulatory Framework</h3>
|
|
<p><span class="h4">First law:</span> 1914.</p>
|
|
<p><span class="h4">Current law:</span> 1989 (work injury), with 1990 amendment.</p>
|
|
<p><span class="h4">Type of program:</span> Compulsory insurance with a public carrier.</p>
|
|
<h3>Coverage</h3>
|
|
<p>Private-sector employees, including agricultural workers; certain public-sector workers; apprentices; and persons working with horses.</p>
|
|
<p>Exclusions: Self-employed persons, sportsmen, and actors.</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> Total cost, met through contributions varying with the assessed degree of risk. For agricultural workers, assessments are made according to the land area the employer has under cultivation.</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. Accidents that occur while commuting to and from work are not covered.</p>
|
|
<h3>Temporary Disability Benefits</h3>
|
|
<p>For a work injury, the benefit is equal to 66% of earnings before the onset of disability; for workers in irregular employment, 66% of total adjusted earnings in the last 6 months divided by 150. The daily benefit is payable after a <span class="nobr">4-day</span> waiting period until the insured is assessed as no longer disabled. The benefit for the waiting period is paid retroactively.</p>
|
|
<p>For an occupational disease, the benefit is equal to 100% of earnings before the disease was diagnosed. There is no waiting period.</p>
|
|
<p>An additional benefit equal to 3.607% of earnings is payable under sickness benefits.</p>
|
|
<p>The State Insurance Bank assesses the degree of loss of earnings.</p>
|
|
<p>Benefit adjustment: Benefits are adjusted according to the civil servants' average wage index.</p>
|
|
<h3>Permanent Disability Benefits</h3>
|
|
<p><span class="h4">Permanent disability pension:</span> For an assessed degree of disability of 20% or more, the monthly pension is equal to the monthly loss of earnings; 115% of earnings before the onset of disability if the insured needs the constant attendance of another person.</p>
|
|
<p>For an assessed degree of disability of 10% to 20%, a lump sum is paid equal to 36 times the monthly loss of earnings; for an assessed degree of disability less than 10%, a benefit is paid only if the assessed disability is the result of repeated accidents.</p>
|
|
<p>The State Insurance Bank assesses the degree of loss of earnings.</p>
|
|
<p>Benefit adjustment: Benefits are adjusted according to the civil servants' average wage index.</p>
|
|
<h3>Workers' Medical Benefits</h3>
|
|
<p>Medical services are available through the State Insurance Bank. Benefits include medical, surgical, and dental care; hospitalization; medicines; and appliances.</p>
|
|
<p>There is no limit to duration.</p>
|
|
<h3>Survivor Benefits</h3>
|
|
<p><span class="h4">Survivor pension:</span> A monthly benefit equal to 50% of the deceased's earnings is payable to a <span class="nobr">widow(er)</span> or partner with dependents; 66% without dependents. The widow(er) must have been married to the deceased for a year; a partner must have cohabited with the deceased for a year.</p>
|
|
<p><span class="h4">Orphan's pension:</span> Between 20% and 100% of the deceased's earnings for dependent orphans younger than age 18 (no limit if disabled), subject to the number of orphans and other eligible survivors.</p>
|
|
<p>If the deceased worked for at least 150 days in the last 6 months, the earnings for pension calculation purposes are based on 24 times average half-monthly earnings in the 6 months before the accident; half-monthly earnings if the insured worked less than 15 days.</p>
|
|
<p>Benefit adjustment: Benefits are adjusted according to the civil servants' average wage index.</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p>State Insurance Bank (<a href="https://www.bse.com.uy/">http://www.bse.com.uy</a>) administers the program.</p>
|
|
<h2>Unemployment</h2>
|
|
<h3>Regulatory Framework</h3>
|
|
<p><span class="h4">First law:</span> 1934.</p>
|
|
<p><span class="h4">Current laws:</span> 1981 (industry and commerce) and 2001 (rural workers).</p>
|
|
<p><span class="h4">Type of program:</span> Social assistance system.</p>
|
|
<h3>Coverage</h3>
|
|
<p>Private-sector employees.</p>
|
|
<p>Exclusions: Domestic workers, bank employees, pensioners, and self-employed persons.</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> None.</p>
|
|
<p><span class="h4">Government:</span> Earmarked proceeds of various taxes help finance benefits.</p>
|
|
<h3>Qualifying Conditions</h3>
|
|
<p><span class="h4">Unemployment benefits:</span> Workers who are paid monthly must have 6 months (150 days if paid daily) of work in the <span class="nobr">12-month</span> period before unemployment; workers who are paid at irregular intervals must have earned 8,382 <abbr>NP</abbr> in the <span class="nobr">12-month</span> period.</p>
|
|
<p>Rural workers who are paid monthly must have 12 months (250 days if paid daily) of work in the <span class="nobr">24-month</span> period before unemployment; rural workers who are paid at irregular intervals must have earned 16,764 <abbr>NP</abbr> in the <span class="nobr">12-month</span> period.</p>
|
|
<p>Unemployment must not be the result of dismissal for disciplinary reasons.</p>
|
|
<p>Partial unemployment benefit: A benefit is paid to workers who are paid daily or at irregular intervals if working time is reduced by 25% or more.</p>
|
|
<p>Dependent's supplement: Payable if the unemployed person is married, has children younger than age 21 (any age if disabled), or has disabled dependents.</p>
|
|
<p>There is a <span class="nobr">12-month</span> waiting period before a new claim for unemployment benefits can be made.</p>
|
|
<h3>Unemployment Benefits</h3>
|
|
<p>Workers who are paid monthly or at irregular intervals receive a benefit equal to 50% of average earnings in the 6 months before unemployment.</p>
|
|
<p>Workers who are paid daily receive a monthly benefit equal to 12 days of earnings before unemployment.</p>
|
|
<p>Partial unemployment benefit: The monthly benefit is equal to 12 days of earnings before partial unemployment, minus the value of current monthly earnings.</p>
|
|
<p>Dependent's supplement: Equal to 20% of the benefit.</p>
|
|
<p>The minimum unemployment benefit is 698.50 <abbr>NP</abbr>.</p>
|
|
<p>The maximum unemployment benefit is 11,176 <abbr>NP</abbr>.</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p>Ministry of Labor and Social Security (<a href="http://www.mtss.gub.uy/">http://www.mtss.gub.uy</a>) provides general supervision.</p>
|
|
<p>Social Security Bank (<a href="http://www.bps.gub.uy/">http://www.bps.gub.uy</a>) supervises and administers the unemployment insurance program.</p>
|
|
<h2>Family Allowances</h2>
|
|
<h3>Regulatory Framework</h3>
|
|
<p><span class="h4">First law:</span> 1943.</p>
|
|
<p><span class="h4">Current laws:</span> 1980 (family allowances), implemented in 1981, with 1999 amendment; 1995 (social security); 2002 (multiple pregnancy); and 2004 (low-income families).</p>
|
|
<p><span class="h4">Type of program:</span> Social assistance system.</p>
|
|
<h3>Coverage</h3>
|
|
<p>Private-sector employees, domestic workers, unemployment benefit recipients, newspaper vendors, small rural products vendors, and pensioners.</p>
|
|
<p>Exclusions: Self-employed persons.</p>
|
|
<p>Special system for civil servants.</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> None.</p>
|
|
<p><span class="h4">Government:</span> Earmarked proceeds of various taxes help finance benefits.</p>
|
|
<h3>Qualifying Conditions</h3>
|
|
<p><span class="h4">Family allowances:</span> The child must be younger than age 14 (age 18 if a student, no limit if disabled). The benefit is paid from the day the pregnancy is confirmed.</p>
|
|
<p>Pensioners with benefits of 4,191 <abbr>NP</abbr> or more and employees with earnings of 13,970 <abbr>NP</abbr> or more do not receive family allowances. (For employees with earnings of 13,970 <abbr>NP</abbr> or more and with three or more dependents, the earnings limit is increased to 1,397 <abbr>NP</abbr> for each additional dependent.)</p>
|
|
<p><span class="h4">Cash maternity benefit:</span> Payable for the birth of a child.</p>
|
|
<p><span class="h4">Multiple birth allowance:</span> Payable to a pregnant woman expecting more than one child. The benefit is paid from the day the pregnancy is confirmed.</p>
|
|
<p><span class="h4">Special paid leave:</span> Paid to a salaried worker who adopts a child.</p>
|
|
<p><span class="h4">Low-income family allowance:</span> Payable to eligible children in households with monthly earnings of 4,191 <abbr>NP</abbr> or less.</p>
|
|
<h3>Family Allowance Benefits</h3>
|
|
<p><span class="h4">Family allowances:</span> The allowance is 223.52 <abbr>NP</abbr> (447.04 <abbr>NP</abbr> for a disabled child) for covered persons with income up to 8,382 <abbr>NP</abbr>; 111.76 <abbr>NP</abbr> (223.52 <abbr>NP</abbr> for a disabled child) with income between 8,382 <abbr>NP</abbr> and 13,970 <abbr>NP</abbr>.</p>
|
|
<p>For a family with children resulting from a multiple pregnancy, the allowance is paid at three times the standard rate until the children reach age 5, at twice the standard rate until the children reach age 12, and at the standard rate until the children reach age 18. The benefit is paid every 2 months.</p>
|
|
<p><span class="h4">Cash maternity benefit:</span> The benefit is equal to 100% of average earnings in the last 6 months and is payable for the period 6 weeks before until 6 weeks after the expected date of childbirth. The benefit is paid on the expected date of childbirth.</p>
|
|
<p><span class="h4">Multiple birth allowance:</span> The allowance is paid at three times the family allowance standard rate until the children reach age 5, at twice the standard rate until the children reach age 12, and at the standard rate until the children reach age 18. The benefit is paid every 2 months.</p>
|
|
<p>The maximum allowance is 20,955 <abbr>NP</abbr>.</p>
|
|
<p><span class="h4">Special paid leave:</span> Private-sector workers receive benefits equal to 6 weeks' cash maternity benefit.</p>
|
|
<p><span class="h4">Low-income family allowance:</span> 223.52 <abbr>NP</abbr> (447.04 <abbr>NP</abbr> for a disabled child) is payable every 2 weeks.</p>
|
|
<p>In-kind benefits include pediatric care for children up to age 6, dental care for children up to age 9, and specialist medical care and transportation for children up to age 14. Medical examinations and medicines for children are free.</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p>Social Security Bank (<a href="http://www.bps.gub.uy/">http://www.bps.gub.uy</a>) supervises and administers the program.</p>
|
|
<p>Collective medical assistance or mutual health institutions contracted by the Social Security Bank provide medical benefits.</p>
|
|
</div>
|
|
</article>
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