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<h1>Social Security Programs Throughout the World: Europe, 2004</h1>
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<h1>Guernsey</h1>
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<div class="exchangeRate">Exchange rate: US$1.00 equals 0.56 pounds (£).</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> 1925 (old-age) and 1935 (old-age and survivors).</p>
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<p><span class="h4">Current laws:</span> 1971 (social assistance), 1978 (social insurance), 1984 (attendance allowance), and 2002 (long-term care).</p>
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<p><span class="h4">Type of program:</span> Social insurance and social assistance system.</p>
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<h3>Coverage</h3>
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<p><span class="h4">Old-age pension:</span> All persons over school-leaving age.</p>
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<p>Voluntary coverage for nonemployed persons under age 20, married women, and widows who were covered by their husband's insurance.</p>
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<p><span class="h4">Long-term care:</span> All residents.</p>
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<p><span class="h4">Disability pension (invalidity benefit):</span> All employed and self-employed persons.</p>
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<p>Voluntary coverage for married women and widows.</p>
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<p><span class="h4">Disability attendance allowances:</span> All residents.</p>
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<p><span class="h4">Social assistance:</span> All residents.</p>
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<h3>Source of Funds</h3>
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<p><span class="h4">Insured person:</span> 6% of earnings up to a maximum weekly earning level of £621.</p>
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<p><span class="h4">Self-employed person:</span> 10.5% of earnings (nonemployed persons may contribute 9.9% of annual income) up to a maximum annual earnings level of £32,292. (Contributions do not cover unemployment benefits.)</p>
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<p><span class="h4">Employer:</span> 5.5% of earnings up to a maximum weekly earnings level of £621.</p>
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<p><span class="h4">Government:</span> A grant equal to 50% of total contribution receipts. The total cost of social assistance and other noncontributory benefits.</p>
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<p>All the above contributions also finance sickness and maternity benefits, work injury benefits, unemployment benefits (except for the self-employed), prescription medicines, long-term care, and some medical services.</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Old-age pension:</span> Age 65 (men and women) with a minimum of 156 contributions paid between the later of 1952 or the date that insurance coverage first began and age 65. The full-rate pension is calculated as the yearly average of 50 contributions paid or credited.</p>
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<p>Partial pension: The pension is proportionately reduced for a yearly average of less than 50 contributions paid or credited. No pension is payable if the yearly average is less than 10.</p>
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<p>The pension is payable worldwide.</p>
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<p><span class="h4">Disability pension (invalidity benefit):</span> Incapacity for work following entitlement to sickness benefits for 6 months. A minimum of 26 contributions paid since the date that insurance coverage first began. The full benefit is payable if 50 contributions are paid or credited in the relevant contribution year.</p>
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<p>Partial pension: The benefit is proportionately reduced for fewer than 50 paid or credited contributions in the relevant contribution year. No benefit is payable if there are fewer than 26 contributions.</p>
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<p><span class="h4">Long-term care:</span> The insured has been resident in Guernsey for 5 years at any time and 1 year immediately prior to receiving long-term care benefit.</p>
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<p><span class="h4">Attendance allowance:</span> The person was born in Guernsey or has been resident in Guernsey for 5 years. The noncontributory benefit is paid after 3 months of severe disability (except if terminally ill). The maximum allowable income is £63,000 a year.</p>
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<p><span class="h4">Invalid care allowance:</span> The noncontributory benefit is paid to a person caring for a severely disabled person for 35 hours or more a week and earning less than £87 a week from employment. The maximum allowable income is £63,000 a year.</p>
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<p><span class="h4">Widowed parent's allowance:</span> Payable to a <span class="nobr">widow(er)</span> with at least one dependent child.</p>
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<p><span class="h4">Bereavement payment:</span> The grant is paid to a surviving spouse on the basis of the insurance record of the deceased.</p>
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<p><span class="h4">Bereavement allowance:</span> Payable to a surviving spouse older than age 45 who has no dependent children.</p>
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<p><span class="h4">Death grant:</span> A minimum of 26 contributions paid or credited between the later of 1971 or the date that insurance coverage first began and the date of death. A full grant award is made if 45 contributions are paid or credited in the relevant contribution year. The grant is proportionately reduced for fewer than 45 contributions. No grant is paid if there are fewer than 10 contributions.</p>
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<p><span class="h4">Supplementary benefit (social assistance):</span> Noncontributory means-tested benefit for persons older than age 60, persons who are incapacitated or disabled, persons caring for a member of the family, or a single parent.</p>
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<h3>Old-Age Benefits</h3>
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<p><span class="h4">Old-age pension:</span> The full-rate benefit for the insured person is £130 a week.</p>
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<p>Dependent supplement: A weekly supplement of £70 is payable for a dependent adult, and a weekly supplement of £9 is payable for each dependent child.</p>
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<p><span class="h4">Death grant:</span> The grant is payable in the case of the death of the insured, spouse, child, or survivor. The full grant is £385.</p>
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<p><span class="h4">Supplementary benefit (social assistance):</span> The benefit is paid according to need but is subject to a maximum of £263 a week.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Disability pension (invalidity benefit):</span> The full-rate benefit is £120 a week.</p>
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<p><span class="h4">Long-term care:</span> Up to £290.50 a week for residential home care and up to £539 a week for nursing home care.</p>
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<p><span class="h4">Attendance allowance:</span> £69 a week.</p>
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<p><span class="h4">Invalid care allowance:</span> £55.50 a week.</p>
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<p><span class="h4">Supplementary benefit (social assistance):</span> The benefit is paid according to need, up to a maximum of £263 a week.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Bereavement allowance:</span> £141.25 a week.</p>
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<p><span class="h4">Bereavement payment:</span> £1,220.</p>
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<p><span class="h4">Widowed parent's allowance:</span> £141.25 a week.</p>
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<p><span class="h4">Supplementary benefit (social assistance):</span> The benefit is paid according to need, up to a maximum of £263 a week.</p>
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<h3>Administrative Organization</h3>
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<p>Guernsey Social Security Authority 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 laws:</span> 1964 (sickness), 1971 (maternity), and 1972 (medicines).</p>
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<p><span class="h4">Current laws:</span> 1971 (social assistance), 1978 (social insurance sickness and maternity), 1990 (medicines and health care), and 2002 (long-term care).</p>
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<p><span class="h4">Type of program:</span> Social insurance (cash benefits), social assistance (means-tested benefits), and universal system (specialist medical care, medical consultations, consultation grants, and long-term care).</p>
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<h3>Coverage</h3>
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<p><span class="h4">Sickness benefit:</span> Employed and self-employed persons with weekly earnings of £87 or more.</p>
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<p><span class="h4">Maternity allowance:</span> Employed and self-employed persons with weekly earnings of £87 or more.</p>
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<p><span class="h4">Long-term care:</span> All residents.</p>
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<p><span class="h4">Supplementary benefit:</span> Persons incapable of work, single parents, and pregnant women not cohabiting.</p>
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<h3>Source of Funds</h3>
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<p><span class="h4">Insured person:</span> See source of funds under Old Age, Disability, and Survivors, above.</p>
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<p><span class="h4">Self-employed person:</span> See source of funds under Old Age, Disability, and Survivors, above.</p>
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<p><span class="h4">Employer:</span> See source of funds under Old Age, Disability, and Survivors, above.</p>
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<p><span class="h4">Government:</span> See source of funds under Old Age, Disability, and Survivors, above. The total cost of supplementary benefit.</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Sickness benefit:</span> At least 26 qualifying contributions must be paid between the later of 1965 or the date that insurance coverage first began and the date of claim. For entitlement to full benefit, 50 contributions or credits must have been paid in the relevant contribution year. Benefits are proportionately reduced for fewer than 50 contributions or credits. No benefit is payable with fewer than 26 contributions or credits.</p>
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<p><span class="h4">Long-term care:</span> The person has been resident for 5 years at any time and for 1 year immediately prior to receiving long-term care benefit.</p>
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<p><span class="h4">Maternity allowance:</span> Resident with 50 qualifying contributions or credits, including 26 in the year preceding the 13th week before the expected week of childbirth. The benefit is proportionately reduced for fewer than 50 contributions or credits. No benefit is payable with fewer than 26 contributions.</p>
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<p><span class="h4">Maternity grant:</span> Must be insured and ordinarily resident.</p>
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<h3>Sickness and Maternity Benefits</h3>
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<p><span class="h4">Sickness benefit:</span> £99 a week.</p>
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<p><span class="h4">Long-term care:</span> Up to £290.50 a week for residential home care and up to £539 a week for nursing home care.</p>
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<p><span class="h4">Maternity allowance:</span> £99 a week.</p>
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<p><span class="h4">Maternity grant:</span> A lump-sum payment of £248.</p>
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<h3>Workers' Medical Benefits</h3>
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<p><span class="h4">Medical benefits:</span> Acute hospital accommodation is provided by the government. Specialist medical services are provided by specialist group practices contracted to the government.</p>
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<p>Cost sharing: A flat-rate fee of £2.30 is charged for medical prescriptions. There is no charge for persons over age 65 or persons with low income.</p>
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<p><span class="h4">Medical grant:</span> A sum of £8 is provided toward the cost of primary care medical consultation and a £4 grant is provided toward the cost of nurse consultation.</p>
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<h3>Dependents' Medical Benefits</h3>
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<p>Same as for the insured.</p>
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<h3>Administrative Organization</h3>
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<p>Guernsey Social Security Authority administers cash benefits.</p>
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<p>States of Guernsey Board of Health administers hospital benefits.</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> 1925.</p>
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<p><span class="h4">Current law:</span> 1978.</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.</p>
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<h3>Source of Funds</h3>
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<p><span class="h4">Insured person:</span> See source of funds under Old Age, Disability, and Survivors, above.</p>
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<p><span class="h4">Self-employed person:</span> See source of funds under Old Age, Disability, and Survivors, above.</p>
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<p><span class="h4">Employer:</span> See source of funds under Old Age, Disability, and Survivors, above.</p>
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<p><span class="h4">Government:</span> See source of funds under Old Age, Disability, and Survivors, above.</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">Industrial injury benefit:</span> £99 a week.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Industrial disablement benefit:</span> £108 a week if 100% disabled. The benefit is proportionately reduced for an assessed degree of disability of less than 100%. No benefit is paid if the assessed degree of disability is under 20%.</p>
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<p>Benefits are also provided through the sickness benefit under Sickness and Maternity and the disability pension under Old Age, Disability, and Survivors, above.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Bereavement allowance:</span> £141.25 a week.</p>
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<p><span class="h4">Bereavement payment:</span> £1,220.</p>
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<p><span class="h4">Widowed parent's allowance:</span> £141.25 a week.</p>
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<h3>Administrative Organization</h3>
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<p>Guernsey Social Security Authority administers the program.</p>
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<h2>Unemployment</h2>
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<h3>Regulatory Framework</h3>
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<p><span class="h4">First law:</span> 1964.</p>
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<p><span class="h4">Current law:</span> 1978.</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 persons with weekly earnings of £87 or more.</p>
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<h3>Source of Funds</h3>
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<p><span class="h4">Insured person:</span> See source of funds under Old Age, Disability, and Survivors, above.</p>
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<p><span class="h4">Employer:</span> See source of funds under Old Age, Disability, and Survivors, above.</p>
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<p><span class="h4">Government:</span> See source of funds under Old Age, Disability, and Survivors, above.</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Unemployment benefit:</span> At least 26 qualifying contributions paid since insurance coverage first began. The full benefit is paid with 50 or more contributions or credits in the relevant contribution year. The benefit is proportionately reduced if the insured has fewer than 50 contributions or credits. No benefit is payable with fewer than 26 contributions or credits.</p>
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<p>The insured must register at a job center every week to confirm his or her availability for work. The insured may be disqualified for 10 weeks for leaving employment voluntarily, misconduct, or refusing a suitable work offer.</p>
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<h3>Unemployment Benefits</h3>
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<p>£99 a week. The cash benefit is limited to 180 days. Requalification for benefit requires 13 weeks of employment with at least 20 hours of work a week.</p>
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<h3>Administrative Organization</h3>
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<p>Guernsey Social Security Authority administers the program.</p>
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<h2>Family Allowances</h2>
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<h3>Regulatory Framework</h3>
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<p><span class="h4">First law:</span> 1943.</p>
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<p><span class="h4">Current law:</span> 1950.</p>
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<p><span class="h4">Type of program:</span> Universal system.</p>
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<h3>Coverage</h3>
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<p>Residents with one child or more.</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">Employer:</span> None.</p>
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<p><span class="h4">Government:</span> Total cost.</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Family allowances:</span> The claimant was born in Guernsey or has been resident in Guernsey for at least 52 weeks in the previous 2 years. The child must be under age 16; under age 20 and in full-time education.</p>
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<h3>Family Allowance Benefits</h3>
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<p><span class="h4">Family allowances:</span> £11.75 a week for each child.</p>
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<h3>Administrative Organization</h3>
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<p>Guernsey Social Security Authority administers the program.</p>
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</div>
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</article>
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