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<h1>Social Security Programs Throughout the World: Africa, 2009</h1>
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<h1>Cameroon</h1>
<div class="exchangeRate">Exchange rate: <abbr class="spell">US</abbr>$1.00 equals 479.50&nbsp;<abbr class="spell">CFA</abbr>&nbsp;francs.</div>
<h2>Old Age, Disability, and Survivors</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First and current law:</span> 1969 (pensions), implemented in 1974, with 1984 and 1990 amendments.</p>
<p><span class="h4">Type of program:</span> Social insurance system.</p>
<h3>Coverage</h3>
<p>Employed persons.</p>
<p>Exclusions: Self-employed persons.</p>
<p>Voluntary insurance for previously covered workers (not yet implemented).</p>
<p>Special system for civil servants.</p>
<h3>Source of Funds</h3>
<p><span class="h4">Insured person:</span> 2.8% of covered earnings.</p>
<p>The maximum monthly earnings for contribution calculation purposes are 300,000&nbsp;<abbr class="spell">CFA</abbr>&nbsp;francs.</p>
<p><span class="h4">Self-employed person:</span> Not applicable.</p>
<p><span class="h4">Employer:</span> 4.2% of covered payroll.</p>
<p>The maximum monthly earnings for contribution calculation purposes are 300,000&nbsp;<abbr class="spell">CFA</abbr>&nbsp;francs.</p>
<p><span class="h4">Government:</span> None.</p>
<h3>Qualifying Conditions</h3>
<p><span class="h4">Old-age pension:</span> Age&nbsp;60 with at least 20&nbsp;years of coverage and at least 180&nbsp;months of contributions, including at least 60&nbsp;months in the last 10&nbsp;years. Retirement from employment is necessary.</p>
<p>Constant-attendance supplement: Paid if the insured requires the constant attendance of others to perform daily functions.</p>
<p>Early pension: Age&nbsp;50 with at least 20&nbsp;years of coverage and at least 180&nbsp;months of contributions, including 60&nbsp;months in the last 10&nbsp;years.</p>
<p>The pension is payable abroad only under reciprocal agreement.</p>
<p><span class="h4">Old-age grant:</span> Age&nbsp;60 (age&nbsp;50 for early retirement) and ineligible for the old-age pension, with at least 12&nbsp;months of contributions.</p>
<p><span class="h4">Disability pension:</span> The insured must be younger than age&nbsp;60, have an assessed loss of earning capacity of at least 66.7%, and have at least 5&nbsp;years of coverage, including at least 6&nbsp;months of contributions in the last year. No contributions are required if the disability is the result of a nonwork-related accident.</p>
<p>Constant-attendance supplement: Paid if the insured requires the constant attendance of others to perform daily functions.</p>
<p>The disability pension ceases at the normal retirement age and is replaced by an old-age pension of the same value, including the value of any constant-attendance supplement.</p>
<p><span class="h4">Survivor pension:</span> The deceased was a pensioner or met the pension requirements at the time of death or had at least 180&nbsp;months of coverage.</p>
<p>Eligible survivors are a <span class="nobr">widow(er)</span> of any age, children younger than age&nbsp;14 (age&nbsp;18 if an apprentice, age&nbsp;21 if a student or disabled), and dependent parents.</p>
<p>The <span class="nobr">widow(er)</span>'s pension ceases on remarriage.</p>
<p><span class="h4">Survivor grant:</span> The deceased met the requirements for the old-age grant.</p>
<h3>Old-Age Benefits</h3>
<p><span class="h4">Old-age pension:</span> The pension is equal to 30% of average monthly earnings in the last 3 or 5&nbsp;years (whichever amount is greater) plus 1% of average monthly earnings for each <span class="nobr">12-month</span> period of contributions exceeding 180&nbsp;months.</p>
<p>The minimum pension is equal to 50% of the legal minimum wage.</p>
<p>The maximum pension is equal to 80% of the insured's average monthly earnings.</p>
<p>Constant-attendance supplement: 40% of the old-age pension is paid.</p>
<p>Early pension: Calculated in the same way as the old-age pension.</p>
<p><span class="h4">Old-age grant:</span> A lump sum is paid equal to the insured's average monthly earnings multiplied by the number of <span class="nobr">12-month</span> periods of coverage.</p>
<h3>Permanent Disability Benefits</h3>
<p><span class="h4">Disability pension:</span> The pension is equal to 30% of average monthly earnings in the last 3 or 5&nbsp;years (whichever amount is greater) plus 1% of average monthly earnings for each <span class="nobr">12-month</span> period of contributions exceeding 180&nbsp;months. For each year that a claim is made before the insured reaches age&nbsp;60, the insured is credited with a <span class="nobr">6-month</span> insurance period.</p>
<p>Constant-attendance supplement: 40% of the disability pension is paid.</p>
<h3>Survivor Benefits</h3>
<p><span class="h4">Survivor pension:</span> 50% of the deceased's old-age pension is paid to the <span class="nobr">widow(er)</span>. If there is more than one widow, the pension is split equally.</p>
<p><span class="h4">Orphan's pension:</span> Each eligible orphan receives 15% of the deceased's old-age pension; 25% for each full orphan.</p>
<p><span class="h4">Dependent parent's pension:</span> Each eligible parent receives 10% of the deceased's old-age pension.</p>
<p><span class="h4">Other eligible survivors:</span> In the absence of a surviving <span class="nobr">widow(er)</span>, child, or dependent parent, the pension is split equally among other relatives.</p>
<p>All survivor benefits combined must not exceed 100% of the deceased's old-age pension.</p>
<p><span class="h4">Survivor grant:</span> A lump sum is paid equal to 30% of average monthly earnings multiplied by the number of <span class="nobr">6-month</span> periods of contributions.</p>
<p>If there is more than one survivor, the grant is split equally.</p>
<p><span class="h4">Funeral grant:</span> In the absence of eligible survivors, the cost of the funeral is paid.</p>
<h3>Administrative Organization</h3>
<p>Ministry of Labor and Social Security provides general supervision.</p>
<p>Managed by a tripartite council and a director general, the National Social Insurance Fund administers the program.</p>
<h2>Sickness and Maternity</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First law:</span> 1956.</p>
<p><span class="h4">Current law:</span> 1967, with 1995 amendment.</p>
<p><span class="h4">Type of program:</span> Social insurance system. Maternity benefits only.</p>
<h3>Coverage</h3>
<p>Employed women.</p>
<p>Exclusions: Self-employed women.</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> See source of funds under Family Allowances, below.</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. (The labor code requires employers to provide some paid sick leave.)</p>
<p><span class="h4">Cash maternity benefits:</span> The insured must have at least 6&nbsp;consecutive months of employment and be in insured employment on the date of childbirth.</p>
<h3>Sickness and Maternity Benefits</h3>
<p><span class="h4">Sickness benefit:</span> No statutory benefits are provided. (The labor code requires employers to provide some paid sick leave.)</p>
<p><span class="h4">Maternity benefit:</span> The benefit is equal to 100% of the last monthly earnings and is paid for 4&nbsp;weeks before and 10&nbsp;weeks after the expected date of childbirth; may be extended to 13&nbsp;weeks after childbirth in the event of complications arising from pregnancy or childbirth.</p>
<h3>Workers' Medical Benefits</h3>
<p>Insured women and the spouses of insured men receive 1,400&nbsp;<abbr class="spell">CFA</abbr>&nbsp;francs toward childbirth expenses and 200&nbsp;<abbr class="spell">CFA</abbr>&nbsp;francs for each prenatal examination and for pediatric care examinations for up to 6&nbsp;months.</p>
<p>Some free medical care is provided by government health facilities.</p>
<p>The labor code requires employers to provide certain medical services.</p>
<h3>Dependents' Medical Benefits</h3>
<p><span class="h4">Medical benefits for dependents:</span> No statutory benefits are provided.</p>
<p>Some health care and welfare services are provided to mothers and children under Family Allowances, below.</p>
<h3>Administrative Organization</h3>
<p>Ministry of Labor and Social Security provides general supervision.</p>
<p>Managed by a tripartite council and a director general, the National Social Insurance Fund administers the program.</p>
<h2>Work Injury</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First law:</span> 1944.</p>
<p><span class="h4">Current law:</span> 1977 (work injury).</p>
<p><span class="h4">Type of program:</span> Social insurance system.</p>
<h3>Coverage</h3>
<p>Employed persons, apprentices, seamen, technical students, and persons in training.</p>
<p>Exclusions: Civil servants.</p>
<p>Voluntary coverage for self-employed persons (not yet implemented).</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> 1.75%, 2.5%, or 5% of gross 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>The benefit is equal to 66.7% of average monthly earnings in the 3&nbsp;months before the disability began. The benefit is paid from the day after the disability began until full recovery or certification of permanent disability.</p>
<p>The daily earnings for benefit calculation purposes are subject to a maximum.</p>
<h3>Permanent Disability Benefits</h3>
<p><span class="h4">Permanent disability pension:</span> If the insured is assessed with a total disability, the pension is equal to 85% of the insured's average monthly earnings in the 3&nbsp;months before the disability began.</p>
<p>The minimum monthly earnings for benefit calculation purposes are equal to the legal minimum wage (28,216&nbsp;<abbr class="spell">CFA</abbr>&nbsp;francs).</p>
<p>The monthly earnings for benefit calculation purposes are subject to a maximum.</p>
<p>Constant-attendance supplement: If the insured requires the constant attendance of others to perform daily functions, the legal minimum wage of the insured's sector of activity is paid.</p>
<p>Partial disability: If the assessed degree of disability is at least 20%, a percentage of the full pension is paid according to the assessed degree of disability; if the assessed degree of disability is less than 20%, a lump sum is paid equal to 10&nbsp;years of partial disability pension.</p>
<h3>Workers' Medical Benefits</h3>
<p>Benefits include medical and surgical care, hospitalization, medicines, appliances, X-rays, laboratory services, and rehabilitation.</p>
<h3>Survivor Benefits</h3>
<p><span class="h4">Survivor pension:</span> The pension is equal to 85% of the deceased's average monthly earnings in the last 3&nbsp;months.</p>
<p>The pension is split among the eligible survivors according to the schedule in law. Eligible survivors are a surviving spouse, children younger than age&nbsp;14 (age&nbsp;18 if an apprentice, age&nbsp;21 if a full-time student or disabled), and dependent parents.</p>
<p><span class="h4">Funeral grant:</span> The cost of the burial is paid.</p>
<h3>Administrative Organization</h3>
<p>Ministry of Labor and Social Security provides general supervision.</p>
<p>Managed by a tripartite council and a director general, the National Social Insurance Fund administers the program.</p>
<h2>Family Allowances</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First law:</span> 1956.</p>
<p><span class="h4">Current law:</span> 1967, with 1995 amendment.</p>
<p><span class="h4">Type of program:</span> Employment-related system.</p>
<h3>Coverage</h3>
<p>Employed persons.</p>
<p>Exclusions: Self-employed persons.</p>
<p>Special system for apprentices with families.</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> 7% of covered payroll; 5.65% (agriculture); 3.7% (private schools).</p>
<p>The maximum monthly earnings for contribution calculation purposes are 300,000&nbsp;<abbr class="spell">CFA</abbr>&nbsp;francs.</p>
<p>The employer's contributions also finance maternity benefits under Sickness and Maternity, above.</p>
<p><span class="h4">Government:</span> None.</p>
<h3>Qualifying Conditions</h3>
<p><span class="h4">Family allowances:</span> The child must be younger than age&nbsp;14 (age&nbsp;18 if an apprentice, age&nbsp;21 if a full-time student or disabled). The parent must be working at least 18&nbsp;days or 120&nbsp;hours a month.</p>
<p>Benefits continue to be paid during periods of work-related disability, for a <span class="nobr">6-month</span> period of sick leave, a <span class="nobr">14-week</span> period of maternity leave, a <span class="nobr">3-month</span> period of involuntarily unemployment, and during statutory vacation periods.</p>
<p>Allowances are also paid to old-age pensioners who retire with dependent children and to eligible survivors with dependent children.</p>
<p><span class="h4">Prenatal allowance:</span> The pregnant woman must undergo two prescribed medical examinations.</p>
<p><span class="h4">Birth grant:</span> The mother and child must undergo a prescribed medical examination.</p>
<h3>Family Allowance Benefits</h3>
<p><span class="h4">Family allowances:</span> 1,800&nbsp;<abbr class="spell">CFA</abbr>&nbsp;francs a month is paid for each child. The allowance is paid quarterly.</p>
<p><span class="h4">Prenatal allowance:</span> 1,800&nbsp;<abbr class="spell">CFA</abbr>&nbsp;francs a month is paid for 9&nbsp;months. The allowance is paid in two equal installments: during the 3rd or 4th&nbsp;month of pregnancy and during the 7th or 8th&nbsp;month of pregnancy.</p>
<p><span class="h4">Birth grant:</span> 21,600&nbsp;<abbr class="spell">CFA</abbr>&nbsp;francs is paid for each birth.</p>
<p>Some health care and welfare services are also provided to mothers and children.</p>
<h3>Administrative Organization</h3>
<p>Ministry of Labor and Social Security provides general supervision.</p>
<p>Managed by a tripartite council and a director general, the National Social Insurance Fund administers the program.</p>
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