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<h1>Social Security Programs Throughout the World: Africa, 2013</h1>
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<div id="breadcrumbs" itemscope itemtype="http://schema.org/BreadcrumbList">You are here: <span itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem"><a href="/" itemprop="item"><span itemprop="name">Social Security Administration</span></a><meta itemprop="position" content="1" /></span> > <span itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem"><a href="/policy/index.html" itemprop="item"><span itemprop="name">Research, Statistics & Policy Analysis</span></a><meta itemprop="position" content="2" /></span> > <span itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem"><a href="index.html" itemprop="item"><span itemprop="name">Social Security Programs Throughout the World: Africa, 2013</span></a><meta itemprop="position" content="3" /></span></div>
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<div class="innards">
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<h1>Chad</h1>
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<div class="exchangeRate">Exchange rate: <abbr class="spell">US</abbr>$1.00 = 496 CFA francs.</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 and current laws:</span> 1977 (pensions) and 1978 (old age, disability, and survivors).</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>Salaried workers regulated by the labor code.</p>
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<p>Exclusions: Self-employed persons.</p>
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<p>Special system for civil servants.</p>
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<h3>Source of Funds</h3>
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<p><span class="h4">Insured person:</span> 3.5% of gross earnings.</p>
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<p>The maximum monthly earnings used to calculate contributions are 500,000 CFA francs.</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> 5% of gross payroll.</p>
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<p>The maximum monthly earnings used to calculate contributions are 500,000 CFA francs.</p>
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<p><span class="h4">Government:</span> None.</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Old-age pension:</span> Age 60 (age 55 if prematurely aged) with at least 180 months of coverage or 60 months of contributions in the last 10 years.</p>
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<p>Employment must cease.</p>
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<p><span class="h4">Old-age settlement:</span> Age 60 but does not qualify for the <span class="nobr">old-age</span> pension.</p>
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<p><span class="h4">Disability pension:</span> Must be assessed with at least a 66.7% loss of earning capacity and have at least five years of coverage, including at least six months of contributions in the year before the disability began. There is no qualifying period if the disability is the result of a nonoccupational accident.</p>
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<p>Constant-attendance allowance: Paid if the insured requires the constant attendance of others to perform daily functions.</p>
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<p><span class="h4">Survivor pension:</span> The deceased received or was entitled to receive an <span class="nobr">old-age</span> or disability pension, or had at least 180 months of coverage at the time of death.</p>
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<p>Remarriage settlement: Upon remarriage, the <span class="nobr">widow(er)</span> receives a <span class="nobr">lump-sum</span> payment.</p>
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<p>Eligible survivors include a widow aged 40 or older, pregnant, disabled, or caring for a child, and who was married to the deceased for at least one year; a dependent, disabled widower who was married to the deceased for at least one year; and children younger than age 15 (age 18 if an apprentice, age 21 if a student or disabled).</p>
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<p><span class="h4">Survivor settlement:</span> Paid if the deceased did not qualify for an old-age or disability pension.</p>
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<p>Eligible survivors include a widow aged 40 or older, pregnant, disabled, or caring for a child, and who was married to the deceased for at least one year; a dependent, disabled widower who was married to the deceased for at least one year; and children younger than age 15 (age 18 if an apprentice, age 21 if a student or disabled).</p>
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<p>The <span class="nobr">widow(er)'s</span> pension ceases on remarriage.</p>
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<h3>Old-Age Benefits</h3>
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<p><span class="h4">Old-age pension:</span> 30% of the insured's average monthly earnings in the last three or five years (whichever is greater) plus 1.2% of average monthly earnings for each <span class="nobr">12-month</span> period of coverage exceeding 180 months, up to 80%, is paid.</p>
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<p>If the insured is prematurely aged, the <span class="nobr">old-age</span> pension is reduced by 5% for each year the pension is taken before the normal retirement age.</p>
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<p>The minimum pension is 60% of the national monthly minimum wage.</p>
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<p>The national monthly minimum wage is 60,000 CFA.</p>
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<p>Benefits are paid quarterly.</p>
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<p>Benefit adjustment: Benefits are adjusted by decree according to actuarial projections by the National Social Insurance Fund.</p>
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<p><span class="h4">Old-age settlement:</span> A lump sum of one month of wages is paid for each year of coverage.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Disability pension:</span> 30% of the insured's average monthly earnings in the last three or five years (whichever is greater) plus 1.2% of average monthly earnings for each <span class="nobr">12-month</span> period of coverage exceeding 180 months is paid. For each year that a claim is made before the insured reaches the normal retirement age, the insured is credited with one year of coverage.</p>
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<p>At the normal retirement age, the disability pension ceases and is replaced by an <span class="nobr">old-age</span> pension of the same amount.</p>
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<p>The minimum pension is 60% of the national monthly minimum wage.</p>
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<p>The national monthly minimum wage is 60,000 CFA.</p>
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<p>Constant-attendance allowance: 50% of the pension is paid.</p>
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<p>Benefits are paid quarterly.</p>
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<p>Benefit adjustment: Benefits are adjusted by decree according to actuarial projections by the National Social Insurance Fund.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Spouse's pension:</span> 50% of the <span class="nobr">old-age</span> or disability pension the deceased received or was entitled to receive is paid.</p>
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<p>If there is more than one eligible widow, the pension is split equally.</p>
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<p>Remarriage settlement: A lump sum of six months of survivor pension is paid.</p>
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<p><span class="h4">Orphan's pension:</span> 25% of the <span class="nobr">old-age</span> or disability pension the deceased received or was entitled to receive is paid to each orphan; 40% to each full orphan.</p>
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<p>All survivor benefits combined must not exceed 100% of the deceased's <span class="nobr">old-age</span> pension.</p>
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<p>Benefits are paid quarterly.</p>
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<p>Benefit adjustment: Benefits are adjusted by decree according to actuarial projections by the National Social Insurance Fund.</p>
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<p><span class="h4">Survivor settlement:</span> A lump sum of one month of wages is paid for each year of coverage.</p>
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<h3>Administrative Organization</h3>
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<p>Ministry of Labor and Public Affairs provides general supervision.</p>
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<p>National Social Insurance Fund 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> 1952.</p>
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<p><span class="h4">Current law:</span> 1966.</p>
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<p><span class="h4">Type of program:</span> Social insurance system. Maternity benefits only.</p>
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<h3>Coverage</h3>
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<p>Employed women.</p>
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<p>Exclusions: 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> See source of funds under Family Allowances.</p>
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<p><span class="h4">Government:</span> Subsidizes the program.</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Cash sickness benefits:</span> No statutory benefits are provided.</p>
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<p><span class="h4">Cash maternity benefits:</span> The insured woman must have at least six consecutive months of employment immediately before she stops working.</p>
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<h3>Sickness and Maternity Benefits</h3>
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<p><span class="h4">Sickness benefit:</span> No statutory benefits are provided. (The labor code requires employers to provide paid sick leave.)</p>
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<p><span class="h4">Maternity benefit:</span> 50% of the insured's last daily wage is paid for six weeks before and eight weeks after the expected date of childbirth; may be extended for up to three weeks if there are complications arising from pregnancy or childbirth.</p>
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<h3>Workers' Medical Benefits</h3>
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<p>No statutory benefits are provided. (The labor code requires employers to provide certain medical services.)</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. (Some health and welfare services are provided to mothers and children under Family Allowances.)</p>
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<h3>Administrative Organization</h3>
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<p>Ministry of Labor and Public Affairs provides general supervision.</p>
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<p>National Social Insurance Fund 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> 1935.</p>
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<p><span class="h4">Current law:</span> 1966, implemented in 1970.</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.</p>
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<p>Exclusions: Self-employed persons.</p>
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<p>Special system for civil servants.</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> 4% of gross payroll.</p>
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<p>The maximum monthly earnings used to calculate contributions are 500,000 CFA francs.</p>
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<p><span class="h4">Government:</span> Subsidizes the program.</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. The work accident must be reported within 48 hours.</p>
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<h3>Temporary Disability Benefits</h3>
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<p>66.7% of the insured's average daily wage in the 30 days before the disability began is paid from the day after the disability began until full recovery or until certification of permanent disability (after two years).</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Permanent disability pension:</span> If the insured is assessed with a total disability, 100% of the insured's average monthly earnings in the 12 months before the disability began is paid.</p>
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<p>Partial disability: The benefit is the average insured's average annual earnings in the 12 months before the disability began multiplied by 0.5 for each degree of assessed disability from 10% to 50%, plus average annual earnings multiplied by 1.5 for each degree of assessed disability greater than 50%.</p>
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<p>The maximum earnings used to calculate benefits are six times the national monthly minimum wage plus 33.3% of earnings from six to 25 times the national monthly minimum wage.</p>
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<p>The minimum pension is 1.35 times the national monthly minimum wage.</p>
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<p>Constant-attendance allowance: If the insured requires the constant attendance of others to perform daily functions, 40% of the pension is paid.</p>
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<p>Pensions are normally paid quarterly. If the insured is assessed with a 100% disability, the pension is paid monthly; with at least a 75% disability, the insured may be paid monthly on request.</p>
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<h3>Workers' Medical Benefits</h3>
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<p>Benefits include medical and surgical care, hospitalization, medicine, appliances, and transportation.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Spouse's pension:</span> 30% of the deceased's average earnings in the last 12 months is paid.</p>
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<p><span class="h4">Orphan's pension:</span> 15% of the deceased's average earnings in the last 12 months is paid for each orphan younger than age 15 (age 18 if an apprentice, age 21 if a student or disabled); 20% for each full orphan.</p>
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<p><span class="h4">Dependent relative's pension:</span> 10% of the deceased's average earnings in the last 12 months is paid to each dependent relative, up to a total of 30%.</p>
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<p>All survivor benefits combined must not exceed 85% of the deceased's average earnings used to calculate the pension.</p>
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<p>The maximum earnings used to calculate benefits are six times the national monthly minimum wage plus 33.3% of earnings from six to 25 times the national monthly minimum wage.</p>
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<p>Benefits are paid quarterly.</p>
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<h3>Administrative Organization</h3>
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<p>Ministry of Labor and Public Affairs provides general supervision.</p>
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<p>National Social Insurance Fund administers the program.</p>
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<h2>Family Allowances</h2>
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<h3>Regulatory Framework</h3>
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<p><span class="h4">First law:</span> 1956.</p>
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<p><span class="h4">Current law:</span> 1966.</p>
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<p><span class="h4">Type of program:</span> Employment-related system.</p>
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<h3>Coverage</h3>
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<p>Employed persons.</p>
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<p>Exclusions: Self-employed persons.</p>
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<p>Special system for civil servants.</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> 7.5% of covered payroll.</p>
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<p>The maximum monthly earnings used to calculate contributions are 500,000 CFA francs.</p>
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<p>The employer's contributions also finance maternity benefits under Sickness and Maternity.</p>
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<p><span class="h4">Government:</span> Subsidizes the program.</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Family allowances:</span> The child must be younger than age 20 (age 18 if an apprentice, age 21 if a student or disabled) and reside in Chad. The parent must have at least six consecutive months of employment and work at least 20 days a month.</p>
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<p>The prenatal allowance and birth grant were eliminated from Family Allowances at the end of 2011.</p>
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<h3>Family Allowance Benefits</h3>
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<p><span class="h4">Family allowances:</span> 2,000 CFA francs a month is paid for each child.</p>
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<p>Some health and welfare services are also provided to mothers and children.</p>
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<h3>Administrative Organization</h3>
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<p>Ministry of Labor and Public Affairs provides general supervision.</p>
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<p>National Social Insurance Fund administers the program.</p>
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</div>
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