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<h1>Social Security Programs Throughout the World: The Americas, 2009</h1>
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<h1>Colombia</h1>
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<div class="exchangeRate">Exchange rate: <abbr class="spell">US</abbr>$1.00 equals 2,143.20 pesos.</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> 1946, implemented in 1965.</p>
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<p><span class="h4">Current law:</span> 1993 (social insurance), implemented in 1994, with 2003 amendments.</p>
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<p><span class="h4">Type of program:</span> Social insurance and individual account system.</p>
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<p>Note: The insured may choose either the social insurance system or the system of mandatory individual accounts and may switch membership every 5 years up to the last 10 years before retirement.</p>
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<h3>Coverage</h3>
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<p>All employees, including public-sector employees, household workers, and new employees joining the state oil company (Ecopetrol) after January 29, 2003; and self-employed persons. (The program is being gradually extended to all regions. The labor code requires larger employers to provide generally similar benefits to employees in regions where coverage under either program has not yet been extended.)</p>
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<p>Exclusions: Agricultural employees in some regions.</p>
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<p>Voluntary coverage is possible.</p>
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<p>Special systems for employees of the state oil company (Ecopetrol) who joined before January 30, 2003, teachers, and armed forces and national police personnel.</p>
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<h3>Source of Funds</h3>
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<p><span class="h4">Insured person:</span> 3.875% of covered earnings plus 1% of covered earnings for income greater than four times the minimum wage and between 0.2% and 1.0% of covered earnings for income greater than 16 times the minimum wage to finance the solidarity fund, which subsidizes low earners. (Insured persons who opt for the individual account system also contribute up to 1.5% of covered earnings for disability and survivor insurance and up to 1.5% of covered earnings for administrative fees.)</p>
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<p>The minimum earnings for contribution calculation purposes are equal to the legal monthly minimum wage; half the legal monthly minimum wage for household workers.</p>
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<p>The maximum earnings for contribution calculation purposes are 25 times the legal monthly minimum wage.</p>
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<p>The legal monthly minimum wage is 497,000 pesos.</p>
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<p><span class="h4">Self-employed person:</span> 15.5% of declared earnings. (Self-employed persons who opt for the individual account system also contribute up to 1.5% of declared earnings for disability and survivor insurance and up to 1.5% of declared earnings for administrative fees.)</p>
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<p>The minimum earnings for contribution calculation purposes are equal to the legal monthly minimum wage.</p>
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<p>The legal monthly minimum wage is 497,000 pesos.</p>
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<p><span class="h4">Employer:</span> 11.625% of covered payroll.</p>
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<p>The minimum earnings for contribution calculation purposes are equal to the legal monthly minimum wage.</p>
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<p>The maximum earnings for contribution calculation purposes are 25 times the legal monthly minimum wage.</p>
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<p>The legal monthly minimum wage is 497,000 pesos.</p>
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<p><span class="h4">Government:</span> A partial subsidy to the solidarity fund; contributes as an employer.</p>
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<h3>Qualifying Conditions</h3>
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<h4><span class="nobr">Old-age</span> pension</h4>
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<p>Note: Insured persons who were aged 40 or older (men) or aged 35 or older (women) and workers with at least 15 years of contributions when the individual account system was implemented receive social insurance benefits.</p>
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<p><span class="h5">Social insurance <span class="nobr">old-age</span> pension:</span> Age 60 (men) or age 55 (women) with at least 1,050 weeks of contributions.</p>
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<p>Since January 2006, the required number of weeks of contributions is increasing by 25 weeks each year, up to 1,300 weeks by 2015.</p>
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<p>Special pension: Aged 50 to 55 with at least 1,050 weeks of contributions for certain hazardous forms of employment, according to specified qualifying conditions.</p>
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<p><span class="h5">Social insurance <span class="nobr">old-age</span> settlement:</span> Paid if the insured does not meet the qualifying conditions for a social insurance <span class="nobr">old-age</span> pension.</p>
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<p><span class="h5">Individual account:</span> Paid if the accumulated capital in the individual account is sufficient to purchase an annuity greater than 110% of the minimum wage.</p>
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<p>The legal monthly minimum wage is 497,000 pesos.</p>
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<p>Guaranteed minimum pension: Age 62 (men) or age 57 (women) with at least 1,150 weeks of contributions and sufficient accumulated capital plus accrued interest in the individual account to finance the minimum pension set by law.</p>
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<p>The minimum pension set by law is equal to the legal monthly minimum wage.</p>
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<p><span class="h4">Disability pension:</span> If younger than age 20, the insured must be assessed with at least a 50% loss in normal earning capacity and have at least 26 weeks of contributions in the year before the disability began. If aged 20 or older, the insured must have at least 50 weeks of contributions in the last 3 years and contributions for at least 20% of the period between age 20 and the date the disability began.</p>
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<p>The degree of disability is reviewed every 3 years.</p>
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<p><span class="h4">Disability settlement:</span> Paid if the insured does not meet the qualifying conditions for a disability pension.</p>
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<p><span class="h4">Survivor pension:</span> If the deceased was younger than age 20, he or she must have had at least 50 weeks of contributions at the time of death. If the deceased was aged 20 or older, he or she must have had at least 50 weeks of contributions in the last 3 years and contributions for at least 25% of the period between age 20 and the date of death if the death was the result of an illness; 20% of the period if the death was the result of an accident.</p>
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<p><span class="h4">Survivor settlement:</span> Paid if the deceased did not meet the qualifying conditions for a pension.</p>
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<h3><span class="nobr">Old-Age</span> Benefits</h3>
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<h4><span class="nobr">Old-age</span> pension</h4>
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<p><span class="h5">Social insurance <span class="nobr">old-age</span> pension:</span> The pension is between 55% and 65% of the basic monthly wage plus 1.5% for each <span class="nobr">50-week</span> period of contributions, up to 80% of the basic monthly wage.</p>
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<p>The basic monthly wage is based on the insured's average earnings in the last 10 years before receiving the pension.</p>
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<p>The minimum earnings for benefit calculation purposes are equal to the legal monthly minimum wage.</p>
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<p>The maximum earnings for benefit calculation purposes are 25 times the legal monthly minimum wage.</p>
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<p>The minimum social insurance pension is equal to the legal monthly minimum wage.</p>
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<p>The legal monthly minimum wage is 497,000 pesos.</p>
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<p>The pension is paid 13 or 14 times a year, according to the value of the pension.</p>
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<p>Benefit adjustment: Benefits are adjusted annually according to changes in the consumer price index.</p>
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<p><span class="h5">Social insurance <span class="nobr">old-age</span> settlement:</span> If the insured does not meet the contribution qualifying conditions at the normal retirement age, a benefit is provided.</p>
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<p><span class="h5">Individual account:</span> The pension is based on the value of the insured's contributions plus accrued interest. At retirement, the insured may make periodic withdrawals from the individual account to guarantee income for the expected lifespan, buy an annuity from a private insurance company, or a combination of the two. (If the insured person had at least 150 weeks of paid contributions under the social insurance system before 2004, the value of accrued rights prior to 2004 is combined with the individual account balance at retirement.)</p>
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<p>Guaranteed minimum pension: If the pension is less than the minimum pension set by law, the government makes up the difference.</p>
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<p>The minimum pension set by law is equal to the legal monthly minimum wage.</p>
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<p>The legal monthly minimum wage is 497,000 pesos.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Disability pension:</span> For an assessed degree of disability greater than 66%, the pension is 54% of the basic monthly wage plus 2% of earnings for each <span class="nobr">50-week</span> period of contributions exceeding 800 weeks. For an assessed degree of disability of between 50% and 66%, the pension is 45% of the basic monthly wage plus 1.5% of earnings for each <span class="nobr">50-week</span> period of contributions exceeding 500 weeks. (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>The basic monthly wage is based on the insured's average earnings in the last 10 years before receiving the pension.</p>
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<p>The minimum earnings for benefit calculation purposes are equal to the legal monthly minimum wage.</p>
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<p>The maximum earnings for benefit calculation purposes are 25 times the legal monthly minimum wage.</p>
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<p>The minimum pension is equal to the legal monthly minimum wage.</p>
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<p>The legal monthly minimum wage is 497,000 pesos.</p>
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<p>The maximum pension is 75% of the basic monthly wage.</p>
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<p>The pension is paid 13 or 14 times a year, according to the value of the pension.</p>
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<p>Benefit adjustment: Benefits are adjusted annually according to changes in the consumer price index.</p>
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<p><span class="h4">Disability settlement:</span> If the insured does not meet the contribution requirements for a disability pension, a pension is provided.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Survivor pension:</span> The pension is 45% of the deceased's monthly earnings plus 2% for each <span class="nobr">50-week</span> period of contributions exceeding 500 weeks, up to 75% of the deceased's monthly earnings. (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>Monthly earnings are based on the deceased's average earnings in the last 10 years.</p>
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<p><span class="h4">Orphan's pension:</span> Each orphan younger than age 18 (age 25 if a student, no limit if disabled) receives 20% of the deceased's pension; 30% for a full orphan. (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>The minimum earnings for benefit calculation purposes are equal to the legal monthly minimum wage.</p>
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<p>The maximum earnings for benefit calculation purposes are 25 times the legal monthly minimum wage.</p>
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<p>The minimum survivor pension is equal to the legal monthly minimum wage.</p>
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<p>The legal monthly minimum wage is 497,000 pesos.</p>
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<p>The maximum survivor pension is 100% of the deceased's pension.</p>
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<p>The pension is paid 13 or 14 times a year, according to the value of the pension.</p>
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<p><span class="h4">Survivor settlement:</span> A pension is provided to dependents.</p>
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<p><span class="h4">Funeral grant:</span> The cost of the funeral is paid up to the value of the monthly <span class="nobr">old-age</span> pension or the last wage, but not less than five times and not greater than 10 times the legal monthly minimum wage.</p>
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<p>The legal monthly minimum wage is 497,000 pesos.</p>
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<h3>Administrative Organization</h3>
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<p><span class="h4">Social insurance:</span> Ministry of Labor and Social Security (http://www.minproteccionsocial.gov.co) provides general supervision.</p>
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<p>Social Security Institute (http://www.iss.gov.co) administers the program nationally.</p>
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<p>Regional funds and local offices, established and supervised by the Social Security Institute, administer contributions and benefits locally.</p>
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<p><span class="h4">Individual account:</span> National Banking Superintendent (http://www.superfinanciera.gov.co) provides general supervision.</p>
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<p>Pension and Severance Pay Fund management companies (<abbr class="spell">SAFPC</abbr>s) administer individual accounts and contract with insurance companies for disability and survivors insurance.</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 law:</span> 1938.</p>
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<p><span class="h4">Current laws:</span> 1993 (social insurance), implemented in 1994, with 2003 amendments; and 2002 (parental leave).</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>All employees residing in Colombia, including pensioners, students, and apprentices; self-employed persons; persons residing in Colombia with earnings greater than twice the legal monthly minimum wage; and persons working less than 20 days with earnings lower than the legal monthly minimum wage.</p>
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<p>The legal monthly minimum wage is 497,000 pesos.</p>
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<p>Coverage is to be extended gradually to all, regardless of the individual's ability to contribute.</p>
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<p>Special systems for armed forces and national police personnel.</p>
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<h3>Source of Funds</h3>
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<p><span class="h4">Insured person:</span> 4% of earnings.</p>
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<p>The minimum earnings for contribution calculation purposes are equal to the legal monthly minimum wage; half the legal monthly minimum wage for household workers.</p>
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<p>The legal monthly minimum wage is 497,000 pesos.</p>
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<p><span class="h4">Self-employed person:</span> 12% of declared earnings.</p>
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<p>Declared earnings for contribution calculation purposes are 1.5 or two times the legal monthly minimum wage, depending on trade union affiliation.</p>
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<p>The legal monthly minimum wage is 497,000 pesos.</p>
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<p><span class="h4">Employer:</span> 12.5% of payroll.</p>
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<p>The minimum earnings for contribution calculation purposes are equal to the legal monthly minimum wage.</p>
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<p>The legal monthly minimum wage is 497,000 pesos.</p>
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<p><span class="h4">Government:</span> Finances the program for low earners through the solidarity and guarantee fund through additional government contributions; contributes as an employer.</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Cash sickness and medical benefits:</span> The insured must have at least 4 weeks of contributions immediately before the claim, except in the event of an emergency.</p>
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<p><span class="h4">Cash maternity benefits:</span> The insured must have at least 9 months of contributions before the expected date of childbirth or adoption.</p>
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<p><span class="h4">Paternity leave:</span> Fathers must have at least 100 weeks of contributions.</p>
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<h3>Sickness and Maternity Benefits</h3>
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<p><span class="h4">Sickness benefit:</span> The benefit is 66.6% of the insured's earnings in the month before the incapacity began and is paid after a <span class="nobr">4-day</span> waiting period for up to 180 days.</p>
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<p><span class="h4">Maternity benefit:</span> The benefit is 100% of the insured's earnings and is paid for 84 days.</p>
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<p><span class="h4">Paternity leave:</span> The benefit is 100% of the insured's earnings for up to 4 days of paid leave; 8 days if both parents are insured.</p>
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<h3>Workers' Medical Benefits</h3>
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<p>The insured may choose either public or private health care. Benefits and facilities vary depending on the health plan. Benefits include medical, surgical, hospital, pharmaceutical, maternity, and dental care and related services. Preexisting conditions must be covered, although they may be subject to a waiting period; no waiting period for pregnant women.</p>
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<h3>Dependents' Medical Benefits</h3>
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<p>The insured may choose either public or private health care. Benefits and facilities vary depending on the health plan. Benefits include medical, surgical, hospital, pharmaceutical, maternity, and dental care and related services. Preexisting conditions must be covered, although they may be subject to a waiting period; no waiting period for pregnant women and children younger than age 1.</p>
|
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<h3>Administrative Organization</h3>
|
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<p>Superintendent of Health (<a href="https://www.supersalud.gov.co/">http://www.supersalud.gov.co</a>) provides general supervision.</p>
|
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<p>Ministry of Labor and Social Security (http://www.minproteccionsocial.gov.co) and the National Social Security Council on Health administer the program.</p>
|
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<p>State Social Enterprises (<abbr class="spell">ESS</abbr>s) and private health institutions (<abbr class="spell">IPS</abbr>s) provide health services.</p>
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<h2>Work Injury</h2>
|
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<h3>Regulatory Framework</h3>
|
|
<p><span class="h4">First law:</span> 1915.</p>
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|
<p><span class="h4">Current laws:</span> 1993 (social insurance), implemented in 1994, with 2003 amendments; and 1994 (work injury), with 2003 amendment.</p>
|
|
<p><span class="h4">Type of program:</span> Social insurance system.</p>
|
|
<h3>Coverage</h3>
|
|
<p>All employees, including new employees joining the state oil company (Ecopetrol) after January 29, 2003; educational placements; casual workers; and persons working less than 20 days with earnings lower than the legal monthly minimum wage.</p>
|
|
<p>The legal monthly minimum wage is 497,000 pesos.</p>
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<p>Voluntary coverage for self-employed persons.</p>
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|
<p>Special systems for employees of the state oil company (Ecopetrol) who joined the company before January 30, 2003; teachers; and armed forces and national police personnel.</p>
|
|
<h3>Source of Funds</h3>
|
|
<p><span class="h4">Insured person:</span> None.</p>
|
|
<p><span class="h4">Self-employed person:</span> 0.348% to 8.7% of declared covered earnings, according to the assessed degree of risk.</p>
|
|
<p>The minimum earnings for contribution calculation purposes are equal to the legal monthly minimum wage.</p>
|
|
<p>The maximum earnings for contribution calculation purposes are 25 times the legal monthly minimum wage.</p>
|
|
<p>The legal monthly minimum wage is 497,000 pesos.</p>
|
|
<p><span class="h4">Employer:</span> 0.348% to 8.7% of covered payroll, according to the assessed degree of risk. (1% of the employer's contribution finances the work injury fund, which promotes health and safety for workers.)</p>
|
|
<p>The minimum earnings for contribution calculation purposes are equal to the legal monthly minimum wage.</p>
|
|
<p>The maximum earnings for contribution calculation purposes are 25 times the legal monthly minimum wage.</p>
|
|
<p>The legal monthly minimum wage is 497,000 pesos.</p>
|
|
<p><span class="h4">Government:</span> Contributes to the work injury fund from general revenue; contributes as an employer.</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 100% of the insured's covered earnings, and is paid from the day after the work injury occurred or the occupational disease was diagnosed. The benefit is paid until rehabilitation, the award of a permanent disability benefit, or death.</p>
|
|
<h3>Permanent Disability Benefits</h3>
|
|
<p><span class="h4">Permanent disability pension:</span> For an assessed degree of disability of more than 66%, the pension is 75% of base earnings; for an assessed degree of disability of between 50% and 66%, the pension is 60% of base earnings.</p>
|
|
<p>Base earnings are equal to average earnings in the last 6 months for a work accident benefit or in the last 12 months for an occupational disease benefit.</p>
|
|
<p>Constant-attendance allowance: 15% of the pension is paid if the insured requires the constant attendance of others to perform daily functions.</p>
|
|
<p>Partial disability: For an assessed degree of disability between 5% and 49%, the pension paid varies from a minimum of one up to 24 times base earnings.</p>
|
|
<p>The minimum earnings for benefit calculation purposes are equal to the legal monthly minimum wage.</p>
|
|
<p>The maximum earnings for benefit calculation purposes are 25 times the legal monthly minimum wage.</p>
|
|
<p>The minimum pension is equal to the legal minimum wage.</p>
|
|
<p>The maximum pension is 20 times the legal minimum wage.</p>
|
|
<p>The legal monthly minimum wage is 497,000 pesos.</p>
|
|
<p>Benefit adjustment: Benefits are adjusted annually according to changes in the consumer price index.</p>
|
|
<h3>Workers' Medical Benefits</h3>
|
|
<p>Benefits include medical, surgical, and hospital care; medicine; appliances; rehabilitation; and transportation.</p>
|
|
<h3>Survivor Benefits</h3>
|
|
<p><span class="h4">Survivor pension:</span> The survivor pension is 45% of the deceased's monthly earnings plus 2% for each <span class="nobr">50-week</span> period of contributions exceeding 500 weeks, up to 75% of the deceased's monthly earnings. (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>
|
|
<p>Monthly earnings are based on the deceased's average earnings in the last 10 years.</p>
|
|
<p>Eligible survivors are a widow or partner who lived with the deceased for at least 5 years or who had children with the deceased; a dependent, disabled widower; children younger than age 18 (age 25 if a student, no limit if disabled); dependent parents; or a sibling with a disability.</p>
|
|
<p><span class="h4">Orphan's pension:</span> Each orphan younger than age 18 (age 25 if a student, no limit if disabled) receives 20% of the deceased's pension; 30% for a full orphan. (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>
|
|
<p>The minimum earnings for benefit calculation purposes are equal to the legal monthly minimum wage.</p>
|
|
<p>The maximum earnings for benefit calculation purposes are 25 times the legal monthly minimum wage.</p>
|
|
<p>The minimum pension is equal to the legal monthly minimum wage.</p>
|
|
<p>The legal monthly minimum wage is 497,000 pesos.</p>
|
|
<p>The maximum pension is 100% of the deceased's pension.</p>
|
|
<p>The pension is paid 13 or 14 times a year, according to the value of the pension.</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p>Ministry of Labor and Social Security (http://www.minproteccionsocial.gov.co), National Finance Superintendent (http://www.superfinanciera.gov.co), and the National Health Superintendent (<a href="https://www.supersalud.gov.co/">http://www.supersalud.gov.co</a>) provide general supervision.</p>
|
|
<p>Social Security Institute (http://www.iss.gov.co) and life insurance companies authorized by the National Banking Superintendent administer the program nationally.</p>
|
|
<h2>Unemployment</h2>
|
|
<h3>Regulatory Framework</h3>
|
|
<p><span class="h4">First and current law:</span> 1990 (severance).</p>
|
|
<p><span class="h4">Type of program:</span> Mandatory individual severance account system.</p>
|
|
<p>Note: Beginning January 1, 1991, acquired rights under the previous public system were transferred to the new private severance pay program.</p>
|
|
<h3>Coverage</h3>
|
|
<p>All private-sector employees, including persons working less than 20 days with earnings lower than the legal monthly minimum wage.</p>
|
|
<p>The legal monthly minimum wage is 497,000 pesos.</p>
|
|
<p>Voluntary coverage for public-sector employees 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> Voluntarily insured persons contribute 8.3% of annual declared earnings.</p>
|
|
<p><span class="h4">Employer:</span> 8.3% of the insured's annual salary.</p>
|
|
<p><span class="h4">Government:</span> None; contributes as an employer.</p>
|
|
<h3>Qualifying Conditions</h3>
|
|
<p><span class="h4">Unemployment benefits:</span> The insured must be unemployed or retired.</p>
|
|
<h3>Unemployment Benefits</h3>
|
|
<p>The benefit is equal to 1 monthly wage for each year of employment; a reduced benefit is paid for less than a year of employment. (The insured may make authorized partial withdrawals from the individual account to meet specified contingencies.)</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p>National Banking Superintendent (http://www.superfinanciera.gov.co) supervises the Pension and Severance Pay Fund management companies (<abbr class="spell">SAFPC</abbr>s).</p>
|
|
<p><abbr class="spell">SAFPC</abbr>s administer individual accounts.</p>
|
|
<p>Individual boards of directors, involving employer and employee representatives, monitor individual <abbr class="spell">SAFPC</abbr>s.</p>
|
|
<h2>Family Allowances</h2>
|
|
<h3>Regulatory Framework</h3>
|
|
<p><span class="h4">First law:</span> 1957.</p>
|
|
<p><span class="h4">Current law:</span> 1982 (family allowances), with 2002 amendment.</p>
|
|
<p><span class="h4">Type of program:</span> Employment-related system.</p>
|
|
<h3>Coverage</h3>
|
|
<p>All employees.</p>
|
|
<p>Voluntary coverage for pensioners, self-employed persons, and unemployed persons.</p>
|
|
<p>Exclusions: Casual workers.</p>
|
|
<p>Special systems for armed forces personnel and national police personnel.</p>
|
|
<h3>Source of Funds</h3>
|
|
<p><span class="h4">Insured person:</span> None. Voluntary contributors pay 2% of the legal monthly minimum wage or the pension; 0.6% of the legal monthly minimum wage for reduced allowances.</p>
|
|
<p>The legal monthly minimum wage is 497,000 pesos.</p>
|
|
<p><span class="h4">Self-employed person:</span> 2% of declared earnings; 0.6% of the legal monthly minimum wage for reduced allowances.</p>
|
|
<p>The legal monthly minimum wage is 497,000 pesos.</p>
|
|
<p><span class="h4">Employer:</span> 4% of payroll.</p>
|
|
<p><span class="h4">Government:</span> None; contributes as an employer.</p>
|
|
<h3>Qualifying Conditions</h3>
|
|
<p><span class="h4">Family allowances (income-tested):</span> The child must be younger than age 18 (age 23 if a student, no limit if disabled). The parent must be older than age 60 or assessed with a degree of disability of at least 60%; must have completed at least 60 days of continuous employment with the same employer of which not less than 96 hours were credited during the last 25 working days.</p>
|
|
<p>Income test: Monthly income must not exceed four times the legal monthly minimum wage.</p>
|
|
<p>The legal monthly minimum wage is 497,000 pesos.</p>
|
|
<h3>Family Allowance Benefits</h3>
|
|
<p><span class="h4">Family allowances:</span> Benefit amounts vary among funds and may be paid in cash or in kind. A child assessed with a disability of at least 60% receives a double allowance.</p>
|
|
<p><span class="h4">Surviving spouse allowance:</span> Twelve monthly allowances are paid to a widow or the guardian of dependent children. If the surviving spouse or guardian dies, the surviving children receive a lump sum of 12 months of benefit.</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p>Superintendent for Family Subsidies (<a href="https://www.ssf.gov.co/">http://www.ssf.gov.co</a>) supervises family allowance funds.</p>
|
|
</div>
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</article>
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