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<h1>Social Security Programs Throughout the World: The Americas, 2009</h1>
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<h1>Saint Kitts and Nevis</h1>
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<div class="exchangeRate">Exchange rate: <abbr class="spell">US</abbr>$1.00 equals 2.70 East Caribbean dollars (<abbr class="spell">EC</abbr>$).</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> 1968 (provident fund).</p>
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<p><span class="h4">Current laws:</span> 1977 (social security), implemented in 1978, with amendments; and 1998 (social assistance).</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">Social insurance:</span> Employed and self-employed persons aged 16 to 62, including public-sector employees and apprentices.</p>
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<p>Voluntary coverage for those who cease compulsorily coverage but who have at least 2 years of contributions.</p>
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<p>Exclusions: Unpaid family labor.</p>
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<p>Special system for civil servants.</p>
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<p><span class="h4">Social assistance:</span> Elderly or disabled persons residing in Saint Kitts and Nevis.</p>
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<h3>Source of Funds</h3>
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<h4>Social insurance</h4>
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<p><span class="h5">Insured person:</span> 5% of weekly or monthly covered earnings (including voluntarily insured persons).</p>
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<p>The maximum monthly earnings for contribution calculation purposes are <abbr class="spell">EC</abbr>$6,500.</p>
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<p>The insured's contributions, except if voluntarily insured, also finance cash sickness and maternity benefits.</p>
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<p><span class="h5">Self-employed person:</span> 10% of monthly earnings, according to earnings categories ranging from <abbr class="spell">EC</abbr>$200 to <abbr class="spell">EC</abbr>$1,500 a week.</p>
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<p>The self-employed person's contributions also finance cash sickness and maternity benefits.</p>
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<p><span class="h5">Employer:</span> 5% of monthly covered payroll.</p>
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<p>The maximum monthly earnings for contribution calculation purposes are <abbr class="spell">EC</abbr>$6,500.</p>
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<p>The employer's contributions also finance cash sickness and maternity benefits.</p>
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<p><span class="h5">Government:</span> Contributes as an employer.</p>
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<h4>Social assistance</h4>
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<p><span class="h5">Insured person:</span> None.</p>
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<p><span class="h5">Self-employed person:</span> None.</p>
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<p><span class="h5">Employer:</span> None.</p>
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<p><span class="h5">Government:</span> The total cost.</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4"><span class="nobr">Old-age</span> pension (social insurance):</span> Age 62 with at least 500 weeks of paid or credited contributions, including at least 150 weeks of paid contributions.</p>
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<p><span class="h4"><span class="nobr">Old-age</span> grant (social insurance):</span> Age 62 with at least 50 weeks of paid or credited contributions but does not satisfy the qualifying conditions for the <span class="nobr">old-age</span> pension.</p>
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<p><span class="nobr">Old-age</span> benefits are payable abroad under specific conditions.</p>
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<p><span class="h4"><span class="nobr">Old-age</span> social assistance (means-tested):</span> Older than age 62, not in gainful employment, and does not satisfy the qualifying conditions for the <span class="nobr">old-age</span> pension.</p>
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<p>Social assistance benefits are not payable abroad.</p>
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<p><span class="h4">Disability pension (social insurance):</span> Younger than age 62, assessed with a disability, and has at least 150 weeks of paid contributions.</p>
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<p>The degree of disability is assessed by the Social Security Medical Board at least every 3 years or at any period according to the advice of a medical practitioner.</p>
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<p>Disability benefits are payable abroad under specific conditions.</p>
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<p><span class="h4">Disability social assistance (means-tested):</span> Aged 16 to 62, assessed with a disability, and does not satisfy the qualifying conditions for the disability pension.</p>
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<p>The degree of disability is assessed by the Social Security Medical Board at least every 3 years or at any period according to the advice of a medical practitioner.</p>
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<p>Social assistance benefits are not payable abroad.</p>
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<p><span class="h4">Survivor pension (social insurance):</span> The deceased had at least 150 weeks of paid contributions or was receiving the <span class="nobr">old-age</span> pension or disability pension.</p>
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<p>Eligible survivors are a <span class="nobr">widow(er)</span> who was married to or cohabited with the deceased for at least 3 years, orphans younger than age 16 (age 18 if a <span class="nobr">full-time</span> student, no limit if disabled), and dependent parents.</p>
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<p>The <span class="nobr">widow(er)'s</span> pension ceases on remarriage or cohabitation.</p>
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<p>Survivor benefits are payable abroad under specific conditions.</p>
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<p><span class="h4">Survivor grant (social insurance):</span> The deceased did not satisfy the qualifying conditions for a pension.</p>
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<p>Eligible survivors are a <span class="nobr">widow(er)</span> aged 45 or older who was married to or cohabited with the insured for at least 3 years and orphans younger than age 16 (age 18 if a <span class="nobr">full-time</span> student, no limit if disabled).</p>
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<p>Survivor benefits are payable abroad under specific conditions.</p>
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<p><span class="h4">Funeral grant:</span> The deceased had at least 26 weeks of paid contributions.</p>
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<h3><span class="nobr">Old-Age</span> Benefits</h3>
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<p><span class="h4"><span class="nobr">Old-age</span> pension (social insurance):</span> The monthly pension is 30% of the insured's average annual earnings plus 2% for each <span class="nobr">50-week</span> period of paid or credited contributions exceeding 500, up to 799, and 1% for each <span class="nobr">50-week</span> period of contributions exceeding 799; the sum is divided by 52.</p>
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<p>Average annual earnings are based on earnings in the best 3 years of the last 15 years of contributions.</p>
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<p>The minimum monthly pension is <abbr class="spell">EC</abbr>$400.</p>
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<p>The maximum monthly pension is 60% of monthly earnings or <abbr class="spell">EC</abbr>$3,900 (whichever is less).</p>
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<p><span class="h4"><span class="nobr">Old-age</span> grant (social insurance):</span> The grant is six times average weekly earnings for each <span class="nobr">50-week</span> period of paid or credited contributions, up to 499.</p>
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<p>The insured person's contributions are refunded if they have less than 50 weeks of contributions.</p>
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<p><span class="h4"><span class="nobr">Old-age</span> social assistance (means-tested):</span> The monthly pension is <abbr class="spell">EC</abbr>$250.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Disability pension:</span> The monthly pension is 30% of the insured's average annual earnings plus 2% for each <span class="nobr">50-week</span> period of paid or credited contributions exceeding 500, up to 799, and 1% for each <span class="nobr">50-week</span> period of contributions exceeding 799; the sum is divided by 52.</p>
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<p>Average annual earnings are based on earnings in the best 3 years of the last 15 years of contributions.</p>
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<p>The benefit is paid after entitlement to 26 weeks of sickness benefit has ended or after the disability has lasted for at least 26 weeks, and is paid for as long as the disability continues.</p>
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<p>The minimum monthly pension is <abbr class="spell">EC</abbr>$400.</p>
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<p>The maximum monthly pension is 60% of monthly earnings or <abbr class="spell">EC</abbr>$3,900, whichever is less.</p>
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<p><span class="h4">Disability social assistance (means-tested):</span> The monthly pension is <abbr class="spell">EC</abbr>$250.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Survivor pension:</span> The pension is 50% of the pension the deceased received or would have been entitled to receive.</p>
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<p>A limited pension is paid for a year if the <span class="nobr">widow(er)</span> is younger than age 45 or was married to, or cohabited with, the deceased for less than 3 years.</p>
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<p>The minimum monthly <span class="nobr">widow(er)'s</span> pension is <abbr class="spell">EC</abbr>$200.</p>
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<p><span class="h4">Orphan's pension:</span> The pension is 16.7% of the pension the deceased received or would have been entitled to receive. If the orphan has a disability, the pension is 33.3% of the maximum family survivor pension.</p>
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<p>The minimum monthly orphan's pension is <abbr class="spell">EC</abbr>$96.</p>
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<p><span class="h4">Parent's pension:</span> Up to 16.7% of the maximum family survivor pension is paid.</p>
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<p>The minimum annual survivor pension is <abbr class="spell">EC</abbr>$720.</p>
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<p>The maximum family survivor pension must not exceed 100% of the deceased's pension.</p>
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<p><span class="h4">Survivor grant:</span> The grant is six times the deceased's average weekly earnings for each <span class="nobr">50-week</span> period of paid or credited contributions.</p>
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<p>The deceased's contributions are refunded if the deceased had less than 50 weeks of contributions.</p>
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<p><span class="h4">Funeral grant:</span> <abbr class="spell">EC</abbr>$2,500 is paid for the funeral of the insured or his or her spouse; up to <abbr class="spell">EC</abbr>$1,600 for a dependent child. The grant is paid to the person who pays for the funeral.</p>
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<h3>Administrative Organization</h3>
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<p><span class="h4">Social insurance:</span> Ministry of Education, Youth Affairs, Information Technology, Labour and Social Security provides general supervision.</p>
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<p>Social Security Board (<a href="https://socialsecurity.kn/">http://www.socialsecurity.kn</a>) administers the program.</p>
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<p><span class="h4">Social assistance:</span> Social Development Assistance Board 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 and current law:</span> 1977 (social security), with amendments.</p>
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<p><span class="h4">Type of program:</span> Social insurance system. Cash benefits only.</p>
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<h3>Coverage</h3>
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<p>Employed and self-employed persons aged 16 to 62.</p>
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<p>Voluntary coverage is not possible.</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> None; contributes as an employer.</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Cash sickness benefits:</span> The insured must be younger than age 62, be employed the day before the incapacity began, and have at least 26 weeks of paid contributions including at least 8 in the 13 weeks before the incapacity began.</p>
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<p><span class="h4">Cash maternity benefit:</span> The insured must have at least 39 weeks of contributions, including at least 20 weeks immediately before making the claim.</p>
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<p><span class="h4">Maternity grant:</span> Paid to an insured woman or the wife of an insured man, with at least 39 weeks of contributions, including at least 20 in the 39 weeks before the expected date of childbirth.</p>
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<h3>Sickness and Maternity Benefits</h3>
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<p><span class="h4">Sickness benefit:</span> The daily benefit is 65% of average weekly covered earnings divided by six and is paid retroactively from the first day if the incapacity lasts for 4 or more days. The benefit is paid for up to 26 weeks.</p>
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<p><span class="h4">Maternity benefit:</span> The daily benefit is 65% of average weekly covered earnings divided by six and is paid for 13 weeks, beginning up to 6 weeks before the expected date of childbirth.</p>
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<p><span class="h4">Maternity grant:</span> <abbr class="spell">EC</abbr>$450 is paid for each childbirth.</p>
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<h3>Workers' Medical Benefits</h3>
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<p><span class="h4">Medical benefits:</span> No statutory benefits are provided.</p>
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<p>Medical care is available at public hospitals and health centers.</p>
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<h3>Dependents' Medical Benefits</h3>
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<p><span class="h4">Medical benefits for dependents:</span> No statutory benefits are provided.</p>
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<p>Medical care is available at public hospitals and health centers.</p>
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<h3>Administrative Organization</h3>
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<p>Ministry of Education, Youth Affairs, Information Technology, Labour and Social Security provides general supervision.</p>
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<p>Social Security Board (<a href="https://socialsecurity.kn/">http://www.socialsecurity.kn</a>) administers the program.</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> 1955 (workmen's compensation).</p>
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<p><span class="h4">Current law:</span> 1985 (social security), implemented in 1986.</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 regardless of age.</p>
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<p>Voluntary coverage is not possible.</p>
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<p>Exclusions: Unpaid family labor 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> None.</p>
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<p><span class="h4">Self-employed person:</span> Not applicable.</p>
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<p><span class="h4">Employer:</span> 1% of covered payroll.</p>
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<p>The maximum monthly earnings for contribution calculation purposes are <abbr class="spell">EC</abbr>$6,500.</p>
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<p><span class="h4">Government:</span> None; contributes as an employer.</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 for a work injury or an occupational disease.</p>
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<h3>Temporary Disability Benefits</h3>
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<p>The benefit is 75% of average weekly covered earnings and is paid retroactively from the first day if the disability lasts for 4 or more days. The benefit is paid for up to 26 weeks.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Permanent disability benefit:</span> If the insured has a total disability (100%), the pension is 75% of average weekly covered earnings.</p>
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<p>The degree of disability is assessed and reviewed periodically by the Social Security Medical Board.</p>
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<p>Constant-attendance supplement: Paid if the insured has a total disability and requires the constant attendance of others to perform daily functions. The supplement should meet the reasonable cost of care.</p>
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<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 disability grant is paid.</p>
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<h3>Workers' Medical Benefits</h3>
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<p>Benefits include the reimbursement of reasonable expenses for medical, surgical, dental, hospital, and nursing care; medicine; appliances; and transportation.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Survivor pension:</span> The <span class="nobr">widow(er)'s</span> pension is 50% of the permanent total disability pension the deceased received or would have been entitled to receive.</p>
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<p><span class="h4">Orphan's pension:</span> Each child younger than age 16 (age 18 if a <span class="nobr">full-time</span> student, no limit if disabled) receives up to 16.7% of 75% of the deceased's average weekly earnings.</p>
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<p><span class="h4">Parent's pension:</span> Up to 16.7% of the maximum family survivor pension is paid.</p>
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<p>The maximum family survivor pension must not exceed 100% of the deceased's permanent total disability pension.</p>
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<p><span class="h4">Funeral grant:</span> If the insured's death was as a result of a work-related injury, <abbr class="spell">EC</abbr>$4,000 is paid to the person who paid for the funeral.</p>
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<h3>Administrative Organization</h3>
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<p>Ministry of Education, Youth Affairs, Information Technology, Labour and Social Security provides general supervision.</p>
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<p>Social Security Board (<a href="https://socialsecurity.kn/">http://www.socialsecurity.kn</a>) administers the program.</p>
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