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<h1>Social Security Programs Throughout the World: The Americas, 2011</h1>
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<h1>British Virgin Islands</h1>
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<div class="exchangeRate">Exchange rate: Currency is the US dollar (<abbr class="spell">US</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> 1979 (social security).</p>
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<p><span class="h4">Current law:</span> 1980 (social security).</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 aged 15 to 65.</p>
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<p>Voluntary coverage is available.</p>
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<h3>Source of Funds</h3>
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<p><span class="h4">Insured person:</span> 3.25% of covered monthly earnings; 7% of monthly earnings for voluntary contributors.</p>
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<p>The maximum annual earnings used to calculate contributions are $36,199.80.</p>
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<p><span class="h4">Self-employed person:</span> 8.5% of declared monthly earnings.</p>
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<p>The maximum annual earnings used to calculate contributions are $36,199.80.</p>
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<p><span class="h4">Employer:</span> 3.25% of covered monthly payroll.</p>
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<p>The maximum annual earnings used to calculate contributions are $36,199.80.</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">Old-age pension:</span> Age 65 with at least 500 weeks of contributions.</p>
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<p><span class="h4">Old-age grant:</span> Age 65 with at least 50 weeks of contributions and ineligible for any periodic benefit.</p>
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<p>Old-age benefits are payable abroad.</p>
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<p><span class="h4">Disability pension:</span> Younger than age 65 with at least 250 weeks of contributions and assessed with a permanent incapacity for any work.</p>
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<p>A medical doctor assesses the degree of disability every six months.</p>
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<p><span class="h4">Disability grant:</span> Younger than age 65 with at least 50 weeks of contributions, assessed with a permanent incapacity for any work, and ineligible for any periodic benefit.</p>
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<p>Disability benefits are payable abroad.</p>
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<p><span class="h4">Survivor pension:</span> The deceased was a pensioner or was entitled to a pension at the time of death.</p>
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<p>Eligible survivors are <span class="nobr">widow(er)s</span> aged 40 or older or caring for a dependent child younger than age 15 (age 21 if a student) and orphans younger than age 15 (age 21 if a student).</p>
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<p>Survivor benefits are payable abroad.</p>
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<p><span class="h4">Survivor grant:</span> Paid if the deceased was not eligible for a pension but had at least 50 weeks of contributions.</p>
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<p><span class="h4">Funeral grant:</span> Paid for the death of insured persons or their dependents. The insured must have at least 26 weeks of paid contributions.</p>
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<h3>Old-Age Benefits</h3>
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<p><span class="h4">Old-age pension:</span> 30% of average covered earnings plus 1% of average covered earnings for every <span class="nobr">50-week</span> period of contributions exceeding 500 weeks is paid.</p>
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<p>Average covered earnings are the sum of earnings in the best nine years of contributions (10 years of contributions in 2012) in the last 15 years or less before retirement divided by seven.</p>
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<p>The maximum annual earnings used to calculate benefits are $36,199.80.</p>
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<p>The minimum <span class="nobr">old-age</span> pension is $260.</p>
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<p>The maximum <span class="nobr">old-age</span> pension is 60% of the insured's average annual covered earnings.</p>
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<p>Retirement from gainful employment is not necessary.</p>
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<p><span class="h4">Old-age grant:</span> A lump sum of six times average weekly earnings is paid for every <span class="nobr">50-week</span> period of contributions from 51 to 499 weeks.</p>
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<p>Retirement from gainful employment is not necessary.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Disability pension:</span> 30% of average covered earnings plus 1% of average covered earnings for every <span class="nobr">50-week</span> period of contributions exceeding 500 weeks is paid.</p>
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<p>Average covered earnings are the sum of earnings in the best nine years of contributions (10 years of contributions in 2012) in the last 15 years or less before the disability began divided by seven.</p>
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<p>The maximum annual earnings used to calculate benefits are $36,199.80.</p>
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<p>The minimum disability pension is $260.</p>
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<p>The maximum disability pension is 60% of the insured's average annual covered earnings.</p>
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<p>The disability pension is replaced by the <span class="nobr">old-age</span> pension at age 65.</p>
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<p>The insured may receive the disability pension and the survivor pension. The total amount received is 100% of the disability pension plus 50% of the survivor pension, up to 100% of the insured's insurable earnings.</p>
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<p><span class="h4">Disability grant:</span> A lump sum of six times average weekly earnings is paid for every <span class="nobr">50-week</span> period of contributions from 51 to 499 weeks.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Survivor pension:</span> 66.7% of the <span class="nobr">old-age</span> pension the deceased received or was entitled to receive is paid to the <span class="nobr">widow(er)</span>.</p>
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<p><span class="h4">Orphan's pension:</span> 33.3% of the <span class="nobr">widow(er)'s</span> pension is paid; 66.7% for full orphans.</p>
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<p><span class="h4">Survivor grant:</span> 66.7% of the <span class="nobr">old-age</span> grant the deceased received or was entitled to receive is paid to the <span class="nobr">widow(er)</span>.</p>
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<p><span class="h4">Orphan's grant:</span> 33.3% of the <span class="nobr">widow(er)'s</span> grant is paid; 66.7% for full orphans.</p>
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<p><span class="h4">Funeral grant:</span> The grant depends on the age of the person at death. For a child younger than age 1, $450 is paid; for a child aged 1 to 15, $1,950; for persons aged 16 or older, $3,000. 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>Social Security Board (<a href="https://www.vissb.vg/">http://www.bvissb.vg</a>), managed by a tripartite board of directors appointed by the Minister Responsible for Social Security, 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 law:</span> 1979 (social security).</p>
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<p><span class="h4">Current law:</span> 1980 (social security).</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 15 to 65.</p>
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<h3>Source of Funds</h3>
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<p><span class="h4">Insured person:</span> 0.75% of covered monthly earnings.</p>
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<p>The maximum weekly and monthly earnings used to calculate contributions are $696.15 and $3,016.65, respectively.</p>
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<p><span class="h4">Self-employed person:</span> 1.5% of declared monthly earnings.</p>
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<p>The maximum weekly and monthly earnings used to calculate contributions are $696.15 and $3,016.65, respectively.</p>
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<p><span class="h4">Employer:</span> 0.75% of covered monthly payroll.</p>
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<p>The maximum weekly and monthly earnings used to calculate contributions are $696.15 and $3,016.65, respectively.</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 have at least 26 weeks of contributions, including eight weeks of contributions in the 13 weeks before the incapacity began.</p>
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<p><span class="h4">Cash maternity benefits:</span> The insured must have at least 26 weeks of contributions, including 20 weeks of contributions in the 39 weeks before the expected date of childbirth.</p>
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<p><span class="h4">Maternity grant:</span> The insured must have at least 26 weeks of contributions. The grant is paid to the mother, her husband, or her cohabiting partner. A cohabiting partner must have lived with the mother for at least two years. Each eligible parent receives a full maternity grant.</p>
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<h3>Sickness and Maternity Benefits</h3>
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<p><span class="h4">Sickness benefit:</span> 66.7% of average weekly covered earnings is paid after a three-day waiting period for up to 26 weeks.</p>
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<p>Average weekly covered earnings are based on covered earnings in the 13 weeks before the incapacity began.</p>
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<p>There is no minimum weekly sickness benefit.</p>
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<p>The maximum weekly sickness benefit is $464.12.</p>
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<p><span class="h4">Maternity benefit:</span> 66.7% of average weekly covered earnings in the 39 weeks before the expected date of childbirth is paid for up to 13 weeks, beginning no earlier than six weeks before the expected date of childbirth.</p>
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<p>Average weekly covered earnings are based on covered earnings in the 39 weeks before the expected date of childbirth.</p>
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<p>There is no minimum weekly maternity benefit.</p>
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<p>The maximum weekly maternity benefit is $464.12.</p>
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<p><span class="h4">Maternity grant:</span> A lump sum of $300 is paid for each eligible insured parent per child.</p>
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<h3>Workers' Medical Benefits</h3>
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<p>No statutory benefits are provided.</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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<h3>Administrative Organization</h3>
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<p>Social Security Board (<a href="https://www.vissb.vg/">http://www.bvissb.vg</a>), managed by a tripartite board of directors appointed by the Minister Responsible for Social Security, 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 and current law:</span> 1994 (employment injury).</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> None.</p>
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<p><span class="h4">Self-employed person:</span> 0.5% of declared monthly earnings.</p>
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<p>The maximum annual earnings used to calculate contributions are $36,199.80.</p>
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<p><span class="h4">Employer:</span> 0.5% of covered monthly payroll.</p>
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<p>The maximum annual earnings used to calculate contributions are $36,199.80.</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>75% of average weekly covered earnings is paid for up to 26 weeks.</p>
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<p>The maximum weekly temporary disability benefit is $522.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Permanent disability benefit:</span> For a total disability (100%), 75% of average weekly covered earnings is paid for up to 26 weeks.</p>
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<p>The maximum weekly permanent disability benefit is $522.</p>
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<p>Partial disability: For an assessed degree of disability of 30% to 99%, a percentage of the full pension is paid according to the assessed degree of disability.</p>
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<p>A medical doctor assesses the degree of disability every six months.</p>
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<p>A lump sum is paid for an assessed degree of disability of less than 30%.</p>
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<h3>Workers' Medical Benefits</h3>
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<p>Benefits include medical, surgical, dental, and hospital treatment; skilled nursing services; medicine; prostheses (including maintenance and repair); and the cost of transportation to and from medical services.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Survivor pension:</span> The maximum survivor pension is 75% of the pension the deceased received or would have been entitled to receive. The surviving spouse receives 50% of this amount.</p>
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<p>Eligible survivors are married or unmarried partners who lived with the deceased for at least three years.</p>
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<p>The survivor pension ceases on remarriage or cohabitation.</p>
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<p><span class="h4">Orphan's pension:</span> 16.7% of the maximum survivor pension is paid to each orphan younger than age 15 (age 21 if a student, no limit if disabled).</p>
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<p><span class="h4">Other eligible survivors:</span> Up to 50% of the maximum survivor pension is split equally among other dependent survivors.</p>
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<p><span class="h4">Funeral grant:</span> A lump sum of $3,000 is paid to the person who paid for the funeral.</p>
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<h3>Administrative Organization</h3>
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<p>Social Security Board (<a href="https://www.vissb.vg/">http://www.bvissb.vg</a>), managed by a tripartite board of directors appointed by the Minister Responsible for Social Security, administers the program.</p>
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