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<h1>Social Security Programs Throughout the World: Europe, 2012</h1>
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<h1>Cyprus</h1>
<div class="exchangeRate">Exchange rate: <abbr class="spell">US</abbr>$1.00 = 0.77&nbsp;euros (&euro;).</div>
<h2>Old Age, Disability, and Survivors</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First law:</span> 1957.</p>
<p><span class="h4">Current laws:</span> 1995 (social pension) and 2010 (social insurance).</p>
<p><span class="h4">Type of program:</span> Social insurance and social assistance system.</p>
<h3>Coverage</h3>
<p><span class="h4">Social insurance:</span> Employed and self-employed persons.</p>
<p>Voluntary coverage for formerly covered persons and citizens working abroad for Cypriot employers.</p>
<p>Exclusions: Family labor.</p>
<p><span class="h4">Social assistance (social pension):</span> Residents of Cyprus.</p>
<h3>Source of Funds</h3>
<p><span class="h4">Social insurance</span></p>
<p><span class="h5">Insured person:</span> 6.8% of covered earnings; voluntarily insured, 11% of declared income in Cyprus and 13.6% of covered earnings abroad.</p>
<p>The maximum weekly earnings used to calculate contributions are &euro;1,025.</p>
<p>The insured's contributions also finance cash sickness and maternity, work injury, and unemployment benefits.</p>
<p><span class="h5">Self-employed person:</span> 12.6% of notional income prescribed in regulations for specific occupational categories.</p>
<p>The maximum weekly earnings used to calculate contributions are &euro;1,025.</p>
<p>The self-employed person's contributions also finance cash sickness and maternity benefits.</p>
<p><span class="h5">Employer:</span> 6.8% of covered payroll.</p>
<p>The maximum weekly earnings used to calculate contributions are &euro;1,025.</p>
<p>The employer's contributions also finance cash sickness and maternity, work injury, and unemployment benefits.</p>
<p><span class="h5">Government:</span> 4.3% of covered payroll. 3.8% for the voluntarily insured working in Cyprus; 4.3% for those working abroad.</p>
<p>The maximum weekly earnings used to calculate contributions are &euro;1,025.</p>
<p>The government contributions also finance cash sickness and maternity, work injury, and unemployment benefits.</p>
<p><span class="h4">Social assistance (social pension)</span></p>
<p><span class="h5">Insured person:</span> None.</p>
<p><span class="h5">Self-employed person:</span> None.</p>
<p><span class="h5">Employer:</span> None.</p>
<p><span class="h5">Government:</span> The total cost of the social pension is financed from general revenue.</p>
<h3>Qualifying Conditions</h3>
<p><span class="h4">Old-age pension (social insurance):</span> Age&nbsp;65 (age&nbsp;63 for miners) with at least 10&nbsp;years of coverage, paid contributions on earnings of at least 520&nbsp;times the weekly basic covered earnings, and paid or credited contributions in at least 30% of the years from October&nbsp;5, 1964 (from January&nbsp;7, 1957, if more beneficial) or age&nbsp;16 to the pensionable age</p>
<p>Weekly basic covered earnings are &euro;170.88.</p>
<p>Early pension: Age&nbsp;63 with paid or credited contributions in at least 70% of the years from October&nbsp;5, 1964 (from January&nbsp;7, 1957, if more beneficial) or age&nbsp;16 to the pensionable age. (Miners aged&nbsp;58 or older with at least three years of employment may receive a pension one month earlier for every five months of mining work if they retire from that occupation.)</p>
<p>Benefits are payable abroad.</p>
<p><span class="h4">Old-age settlement (social insurance):</span> Age&nbsp;68 and does not meet the contribution requirements for the <span class="nobr">old-age</span> pension. Must have paid contributions in at least six years on earnings of at least 312&nbsp;times the weekly basic covered earnings.</p>
<p>Weekly basic covered earnings are &euro;170.88.</p>
<p><span class="h4">Social pension (social assistance):</span> Age&nbsp;65, a resident of Cyprus for at least 20&nbsp;years after age&nbsp;40 or 35&nbsp;years after age&nbsp;18, and not entitled to any other benefit.</p>
<p><span class="h4">Special allowance to pensioners:</span> The combined total amount of pensions must be less than &euro;854.30 a month.</p>
<p><span class="h4">Disability pension (social insurance):</span>&nbsp;Paid for a loss of working capacity of at least 50% for at least 156&nbsp;days. The insured must have at least three years of coverage, paid contributions on earnings of at least 156&nbsp;times the weekly basic covered earnings, and paid or credited contributions in at least 25% of the years from October&nbsp;5, 1964 (from January&nbsp;7, 1957 if more beneficial) or age&nbsp;16 to the pensionable age. Must have either paid or credited contributions in the year before the disability began or average covered earnings in the last two years of at least 20&nbsp;times the weekly basic covered earnings.</p>
<p>If the disability is caused by an accident, the same qualifying conditions apply as for cash sickness benefit (see Sickness and Maternity).</p>
<p>Weekly basic covered earnings are &euro;170.88.</p>
<p>Benefits are payable abroad.</p>
<p><span class="h4">Survivor pension (social insurance):</span> Paid to a <span class="nobr">widow(er)</span> if the deceased was insured for at least three years, paid contributions on earnings of at least 156&nbsp;times the weekly basic covered earnings, and had paid or credited contributions in at least 25% of the years from October&nbsp;5, 1964 (or from January&nbsp;7, 1957 if more beneficial) or age&nbsp;16 if later or was receiving an <span class="nobr">old-age</span> pension.</p>
<p>If the death is caused by an accident, the same qualifying conditions apply as for cash sickness benefit (see qualifying conditions under Sickness and Maternity).</p>
<p>Weekly basic covered earnings are &euro;170.88.</p>
<p>Benefits are payable abroad.</p>
<p><span class="h4">Orphan's pension (social insurance):</span> The deceased was insured and was supporting a child up to age&nbsp;15 (age&nbsp;25 (men) or age&nbsp;23 for (women) if a <span class="nobr">full-time</span> student or in military service; no limit if disabled); for full orphans, one of the parents must have been insured.</p>
<p>Benefits are payable abroad.</p>
<p><span class="h4">Survivor settlement (social insurance):</span> Paid to a <span class="nobr">widow(er)</span> if the contribution conditions for a survivor pension are not met but the deceased had paid contributions on earnings of at least 156&nbsp;times the weekly basic covered earnings. If the deceased was entitled to receive an <span class="nobr">old-age</span> pension the qualifying conditions are the same as for the <span class="nobr">old-age</span> settlement. The survivor may not receive a social pension and a survivor settlement at the same time.</p>
<p>Weekly basic covered earnings are &euro;170.88.</p>
<p><span class="h4">Missing person's allowance (social insurance):</span> Paid to a dependent if the whereabouts of the insured person are unknown and he or she is presumed dead.</p>
<p><span class="h4">Funeral grant:</span> Paid if the deceased was receiving an old age, disability, survivor or orphan's pension, or a missing person's allowance; died as a result of an occupational accident or disease; or was insured for at least 26&nbsp;weeks with paid contributions on covered earnings of at least 26&nbsp;times the weekly basic covered earnings, and paid or credited contributions in the previous year on earnings of at least 20&nbsp;times the weekly basic covered earnings. Also paid for the death of a dependent of an insured person.</p>
<p>Weekly basic covered earnings are &euro;170.88.</p>
<h3>Old-Age Benefits</h3>
<p><span class="h4">Old-age pension (social insurance):</span> The pension consists of a basic pension and a supplementary pension. The full basic pension is 60% of the annual average basic covered earnings. The supplementary pension is 1.5% of earnings over the weekly basic covered earnings up to the maximum weekly covered earnings.</p>
<p>Weekly basic covered earnings are &euro;170.88. Basic covered earnings are adjusted once a year according to changes in wages.</p>
<p>The maximum weekly covered earnings are &euro;1,025.</p>
<p>The minimum pension is 85% of the full basic pension.</p>
<p>Dependent's supplement: The basic pension is increased to 80% of the annual average basic covered earnings for the first dependent; 90% for the second, and 100% for the third; for a married female beneficiary, an additional 10% of the annual average basic covered earnings is paid for each child, up to two children.</p>
<p>Schedule of payments: Thirteen payments (one every four weeks) a year.</p>
<p><span class="h4">Old-age settlement (social insurance):</span> A lump sum of 15% of the total paid or credited contributions is paid.</p>
<p><span class="h4">Social pension (social assistance):</span> &euro;332.19 a month is paid. If receiving another pension or a similar payment less than the social pension, the difference between the two pensions is paid.</p>
<p><span class="h4">Special allowance to pensioners:</span> Up to &euro;128.15 a month is paid.</p>
<p>Benefit adjustment: Benefits are adjusted in January and July each year according to changes in wages and prices.</p>
<h3>Permanent Disability Benefits</h3>
<p><span class="h4">Disability pension (social insurance):</span> The full disability pension is paid for a 100% loss of working capacity. The pension consists of a basic pension and a supplementary pension. The basic pension is 60% of the annual average basic covered earnings. The supplementary pension is 1.5% of covered earnings over the weekly basic covered earnings up to the maximum covered earnings.</p>
<p>Partial disability: 85% of the full pension is paid for a loss of working capacity of 76% to 99%; 75% for a loss of working capacity of 66.7% to 75%; 60% for a loss of working capacity of 50% to 66.6%.</p>
<p>Weekly basic covered earnings are &euro;170.88. Basic covered earnings are adjusted once a year according to changes in wages.</p>
<p>The maximum weekly covered earnings are &euro;1,025.</p>
<p>Dependent's supplement: The basic pension is increased to 80% of annual average basic covered earnings for the first dependent; 90% for the second, and 100% for the third; for a married female beneficiary, an additional 10% of the annual average basic covered earnings is paid for each child, up to two children.</p>
<p>Schedule of payments: Thirteen payments (one every four weeks) a year.</p>
<p>Benefit adjustment: Benefits are adjusted in January and July each year according to changes in wages and prices.</p>
<h3>Survivor Benefits</h3>
<p><span class="h4">Survivor pension (social insurance):</span> The pension consists of a basic pension and a supplementary pension. The basic pension is 60% of the annual average basic covered earnings. The supplementary pension is 60% of the supplementary <span class="nobr">old-age</span> or disability pension (1.5% of covered earnings exceeding basic covered earnings) the deceased received or was eligible to receive.</p>
<p>Weekly basic covered earnings are &euro;170.88. Basic covered earnings are adjusted once a year according to changes in wages.</p>
<p>The maximum weekly covered earnings are &euro;1,025.</p>
<p>The survivor pension ceases on remarriage and a lump sum of one year of pension is paid.</p>
<p>A person may receive a survivor pension and an <span class="nobr">old-age</span> or disability pension (including the supplementary pension) at the same time, up to a maximum that varies according to the insured's covered earnings.</p>
<p><span class="h4">Orphan's pension (social insurance):</span> The benefit is 20% of the deceased's basic covered earnings for one child, 30% for two children, and 40% for three or more children; for full orphans, 40% of the deceased's basic covered earnings is paid plus 50% of the supplementary survivor pension or one orphan or 100% for two or more orphans younger than age&nbsp;15 (age&nbsp;23 (unmarried women) if a <span class="nobr">full-time</span> student or age&nbsp;25 (unmarried men) if a <span class="nobr">full-time</span> student or in military service; no limit if disabled).</p>
<p>Termination settlement: When an orphan's pension ends due to age restrictions, a lump sum of one year of pension is paid.</p>
<p>Weekly basic covered earnings are &euro;170.88. Basic covered earnings are adjusted once a year according to changes in wages.</p>
<p>The maximum weekly covered earnings are &euro;1,025.</p>
<p>Schedule of payments: Thirteen payments (one every four weeks) a year.</p>
<p><span class="h4">Survivor settlement (social insurance):</span> A lump sum of 15% of the deceased's basic covered earnings plus 9% of the deceased's earnings exceeding basic covered earnings is paid.</p>
<p>Weekly basic covered earnings are &euro;170.88.</p>
<p>The maximum weekly covered earnings are &euro;1,025.</p>
<p><span class="h4">Missing person's allowance (social insurance):</span> The basic pension is 60% of the annual average basic covered earnings. The supplementary pension is 60% of the supplementary <span class="nobr">old-age</span> or disability pension (1.5% of covered earnings exceeding basic covered earnings) the deceased received or was eligible to receive.</p>
<p>A person receiving a missing person's allowance may also receive an <span class="nobr">old-age</span> or disability pension (basic and supplementary) up to a maximum depending on covered earnings.</p>
<p>Dependent's supplement: The basic pension is increased to 80% of annual average basic covered earnings for the first dependent; 90% for the second, and 100% for the third. For a married female beneficiary, an additional 10% of annual average basic covered earnings is paid for each child, up to two children.</p>
<p><span class="h4">Funeral grant (social insurance):</span> &euro;710.88 is paid for the death of the insured or a pensioner; &euro;355.44 for the death of a dependent.</p>
<p>Benefit adjustment: Benefits are adjusted in January and July each year according to changes in wages and prices.</p>
<h3>Administrative Organization</h3>
<p>Social Insurance Service of the Ministry of Labor and Social Insurance (<a href="https://www.gov.cy/mlsi/">http://www.mlsi.gov.cy</a>), directed by a tripartite advisory Social Insurance Board and the Director of Social Insurance Services, administers the program.</p>
<h2>Sickness and Maternity</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First law:</span> 1957.</p>
<p><span class="h4">Current law:</span> 2010 (social insurance).</p>
<p><span class="h4">Type of program:</span> Social insurance system.</p>
<h3>Coverage</h3>
<p><span class="h4">Cash benefits:</span> Employed and self-employed persons.</p>
<p>Voluntary coverage for citizens working abroad for Cypriot employers and persons aged&nbsp;64 or 65 not entitled to the <span class="nobr">old-age</span> pension.</p>
<p>Exclusions: Family labor.</p>
<p><span class="h4">Medical benefits:</span> Certain categories of persons residing in Cyprus, including civil servants, military and police personnel, low-income individuals and families, and persons diagnosed with certain chronic diseases.</p>
<h3>Source of Funds</h3>
<p><span class="h4">Insured person:</span> See source of funds under Old Age, Disability, and Survivors.</p>
<p><span class="h4">Self-employed person:</span> See source of funds under Old Age, Disability, and Survivors.</p>
<p><span class="h4">Employer:</span> See source of funds under Old Age, Disability, and Survivors.</p>
<p><span class="h4">Government:</span> See source of funds under Old Age, Disability, and Survivors. The total cost of medical benefits.</p>
<h3>Qualifying Conditions</h3>
<p><span class="h4">Sickness benefits:</span>&nbsp;Must have at least 26&nbsp;weeks of coverage, paid contributions on earnings of at least 26&nbsp;times the weekly basic covered earnings, and paid or credited contributions on earnings of at least 20&nbsp;times the weekly basic covered earnings in the last year. Additional benefits are possible with 13 more weeks of work and paid contributions on earnings of at least 26&nbsp;times the weekly basic covered earnings.</p>
<p><span class="h4">Maternity benefits:</span> The insured must have paid contributions on earnings of at least 26&nbsp;times the weekly basic covered earnings, and paid or credited contributions on earnings of at least 20&nbsp;times the weekly basic covered earnings in the last year.</p>
<p><span class="h4">Maternity grant:</span> The insured or the insured's husband must have at least 26&nbsp;weeks of coverage, paid contributions on earnings of at least 26&nbsp;times the weekly basic covered earnings, and paid or credited contributions on earnings of at least 20&nbsp;times the weekly basic covered earnings in the last year. The grant is also paid to the nonworking wife of an insured man.</p>
<p><span class="h4">Medical benefits:</span> The insured must reside in Cyprus.</p>
<h3>Sickness and Maternity Benefits</h3>
<p><span class="h4">Sickness benefit:</span> The benefit consists of a basic benefit and a supplementary benefit. The basic benefit is 60% of the insured's average basic covered earnings in the last year. The supplement is 50% of average covered earnings exceeding basic covered earnings in the last year, up to twice the weekly basic covered earnings. The benefit is paid after a three-day waiting period (nine days for self-employed persons) for up to 52&nbsp;weeks.</p>
<p>Weekly basic covered earnings are &euro;170.88. Basic covered earnings are adjusted once a year according to changes in wages.</p>
<p>The maximum weekly covered earnings are &euro;1,025.</p>
<p>Dependent's supplement: The basic benefit is increased to 80% of average basic covered earnings for the first dependent; 90% for the second, and 100% for the third. A spouse is considered dependent if not working or receiving any benefit from the Social Insurance Fund.</p>
<p><span class="h4">Maternity benefit:</span> The benefit consists of a basic benefit and a supplementary benefit. The basic benefit is 75% of the insured's average basic covered earnings in the last year. The supplement is 75% of average covered earnings exceeding basic covered earnings in the last year, up to the maximum covered earnings. The benefit is paid for 18&nbsp;weeks beginning two to nine weeks before the expected date of childbirth.</p>
<p>The benefit is paid for 16&nbsp;weeks to a stepmother of a child adopted before age&nbsp;13.</p>
<p>Weekly basic covered earnings are &euro;170.88. Basic covered earnings are adjusted once a year according to changes in wages.</p>
<p>The maximum weekly covered earnings are &euro;1,025.</p>
<p>Dependent's supplement: The basic benefit is increased to 80% of average basic covered earnings for the first dependent; 90% for the second, and 100% for the third. A spouse is considered dependent if not working or receiving any benefit from the Social Insurance Fund.</p>
<p><span class="h4">Maternity grant:</span> A lump sum of &euro;533.16 is paid.</p>
<h3>Workers' Medical Benefits</h3>
<p>Medical services are provided directly to patients in government hospitals and clinics. Benefits include medical treatment, hospitalization, maternity care, and medicine.</p>
<p>Benefits are free for active and retired civil servants, military and police personnel, recipients of social assistance and their dependents, unmarried persons with annual income up to &euro;15,377.41, families with annual income up to &euro;30,754.83 plus &euro;1,708.60 for each dependent child (no income limit for families with four or more children), and persons diagnosed with certain chronic diseases.</p>
<p>Cost sharing: Copayments are required for unmarried persons with annual income from &euro;15,379.12 to &euro;20,503.22 and for families with total annual income from &euro;30,756.53 to &euro;37,589.23 plus &euro;1,708.60 for each dependent child.</p>
<h3>Dependents' Medical Benefits</h3>
<p><span class="h4">Medical benefits for dependents:</span> Medical services are provided directly to patients in government hospitals and dispensaries. Benefits include medical treatment, hospitalization, maternity care, and medicine.</p>
<p>Benefits are free for the dependents of active and retired civil servants, the dependents of military and police personnel dependents, of social assistance recipients, families with annual income up to &euro;30,754.83 plus &euro;1,708.60 for each dependent child (no income limit for families with four or more children), and persons diagnosed with certain chronic diseases.</p>
<p>Cost sharing: Copayments are required for families with total annual income from &euro;30,756.53 to &euro;37,589.23 plus &euro;1,708.60 for each dependent child.</p>
<h3>Administrative Organization</h3>
<p>Social Insurance Service of the Ministry of Labor and Social Insurance (<a href="https://www.gov.cy/mlsi/">http://www.mlsi.gov.cy</a>), directed by a tripartite advisory Social Insurance Board and the Director of Social Insurance Services, administers the program.</p>
<p>Ministry of Health (<a href="https://www.moh.gov.cy">http://www.moh.gov.cy</a>) provides medical services through government hospitals.</p>
<h2>Work Injury</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First law:</span> 1957.</p>
<p><span class="h4">Current law:</span> 2010 (social insurance).</p>
<p><span class="h4">Type of program:</span> Social insurance system.</p>
<h3>Coverage</h3>
<p>Employed persons.</p>
<p>Exclusions: Self-employed persons.</p>
<h3>Source of Funds</h3>
<p><span class="h4">Insured person:</span> See source of funds under Old Age, Disability, and Survivors.</p>
<p><span class="h4">Self-employed person:</span> Not applicable.</p>
<p><span class="h4">Employer:</span> See source of funds under Old Age, Disability, and Survivors.</p>
<p><span class="h4">Government:</span> See source of funds under Old Age, Disability, and Survivors.</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 pension consists of a basic benefit and a supplementary benefit. The basic benefit is 60% of the insured's average basic covered earnings in the last year. The supplementary benefit is 50% of average covered earnings exceeding basic covered earnings in the last year, up to twice the weekly basic covered earnings.</p>
<p>Dependent's supplement: The basic benefit is increased to 80% of average basic covered earnings for the first dependent; 90% for the second, and 100% for the third. A spouse is considered dependent if he or she is not working or is not receiving any benefit from the Social Insurance Fund.</p>
<p>Weekly basic covered earnings are &euro;170.88. Basic covered earnings are adjusted once a year according to changes in wages.</p>
<p>The maximum weekly covered earnings are &euro;1,025.</p>
<h3>Permanent Disability Benefits</h3>
<p><span class="h4">Permanent disability pension:</span> The pension consists of a basic pension and a supplementary pension. If the insured has an assessed incapacity of 100%, the full basic pension is 60% of weekly basic covered earnings. The supplementary pension is 60% of average covered earnings exceeding basic covered earnings in the last two years.</p>
<p>Partial disability: A percentage of the full (basic and supplementary) disability pension is paid according to the assessed degree of disability from 20% to 99%; a lump sum is paid for an assessed degree of disability from 10% to 19%.</p>
<p>Weekly basic covered earnings are &euro;170.88. Basic covered earnings are adjusted once a year according to changes in wages.</p>
<p>The maximum weekly covered earnings are &euro;1,025.</p>
<p>Dependent's supplement: The basic benefit is increased to 80% of average basic covered earnings for the first dependent; 90% for the second, and 100% for the third. A spouse is considered dependent if not working or receiving any benefit from the Social Insurance Fund.</p>
<p>Benefit adjustment: Benefits are adjusted in January and July each year according to changes in wages and prices.</p>
<h3>Workers' Medical Benefits</h3>
<p>Benefits for the treatment of work injuries and occupational diseases include all necessary medical treatment and hospitalization in government clinics and hospitals.</p>
<h3>Survivor Benefits</h3>
<p><span class="h4">Survivor pension:</span> The pension consists of a basic pension and a supplementary pension. The basic pension is 60% of weekly basic covered earnings. The supplementary pension is 60% of the supplementary permanent disability pension for 100% incapacity.</p>
<p>The supplementary permanent disability pension for 100% incapacity is 60% of the deceased's average covered earnings exceeding basic covered earnings in the last two years.</p>
<p>Weekly basic covered earnings are &euro;170.88. Basic covered earnings are adjusted once a year according to changes in wages.</p>
<p>The maximum weekly covered earnings are &euro;1,025.</p>
<p>The survivor pension ceases on remarriage and a lump sum of one year of pension is paid.</p>
<p><span class="h4">Orphan's pension:</span> The benefit is 20% of the deceased's basic covered earnings for one child, 30% for two children, and 40% for three or more children; for full orphans, 40% of the deceased's basic covered earnings is paid plus 50% of the supplementary survivor pension for one orphan or 100% for two or more orphans younger than age&nbsp;15 (age&nbsp;23 for an unmarried female orphan who is a <span class="nobr">full-time</span> student, age&nbsp;25 for an unmarried son who is a <span class="nobr">full-time</span> student or is serving in the National Guard, no limit if disabled).</p>
<p>Weekly basic covered earnings are &euro;170.88. Basic covered earnings are adjusted once a year according to changes in wages.</p>
<p>The maximum weekly covered earnings are &euro;1,025.</p>
<p>Termination settlement: When an orphan's pension ends due to age restrictions, a lump sum of one year of pension is paid.</p>
<p><span class="h4">Dependent parent's pension (in the absence of the above):</span> The weekly pension is 40% of basic covered earnings plus 30% of the supplementary permanent disability pension.</p>
<p>Weekly basic covered earnings are &euro;170.88. Basic covered earnings are adjusted once a year according to changes in wages.</p>
<p>The maximum weekly covered earnings are &euro;1,025.</p>
<p><span class="h4">Funeral grant:</span> A lump sum of &euro;710.88 is paid to the <span class="nobr">widow(er)</span> or the person who paid for the funeral.</p>
<h3>Administrative Organization</h3>
<p>Social Insurance Service of the Ministry of Labor and Social Insurance (<a href="https://www.gov.cy/mlsi/">http://www.mlsi.gov.cy</a>), directed by a tripartite advisory Social Insurance Board and the Director of Social Insurance Services, administers the program.</p>
<p>Ministry of Health (<a href="https://www.moh.gov.cy">http://www.moh.gov.cy</a>) provides medical services through government-owned hospitals.</p>
<h2>Unemployment</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First law:</span> 1956.</p>
<p><span class="h4">Current law:</span> 2010 (social insurance).</p>
<p><span class="h4">Type of program:</span> Social insurance system.</p>
<h3>Coverage</h3>
<p>Employed persons (including voluntarily insured persons who work for Cypriot employers abroad).</p>
<p>Employed persons aged&nbsp;64 or 65 are covered if they are not entitled to an <span class="nobr">old-age</span> pension.</p>
<p>Exclusions: Self-employed persons.</p>
<h3>Source of Funds</h3>
<p><span class="h4">Insured person:</span> See source of funds under Old Age, Disability, and Survivors.</p>
<p><span class="h4">Self-employed person:</span> Not applicable.</p>
<p><span class="h4">Employer:</span> See source of funds under Old Age, Disability, and Survivors.</p>
<p><span class="h4">Government:</span> See source of funds under Old Age, Disability, and Survivors.</p>
<h3>Qualifying Conditions</h3>
<p><span class="h4">Unemployment benefits:</span> Must have at least 26&nbsp;weeks of coverage, paid contributions on earnings of at least 26&nbsp;times the weekly basic covered earnings, and paid or credited contributions on earnings of at least 20&nbsp;times the weekly basic covered earnings in the last year. After entitlement to the benefit ceases, the insured can qualify for additional benefits after 26&nbsp;weeks of work and paid contributions on earnings of at least 26&nbsp;times the weekly basic covered earnings.</p>
<p>The insured must be capable of and available for work and must report weekly to the employment exchange. If unemployment is due to voluntary leaving, misconduct, direct participation in a trade dispute, or the refusal of a suitable job offer, the insured may be disqualified for up to six weeks.</p>
<h3>Unemployment Benefits</h3>
<p>The benefit consists of a basic benefit and a supplementary benefit. The basic benefit is 60% of the insured's average basic covered earnings in the last year. The supplement is 50% of average covered earnings exceeding basic covered earnings in the last year. The benefit is paid after a three-day waiting period (30&nbsp;days for the voluntarily insured) for up to 156&nbsp;days.</p>
<p>Weekly basic covered earnings are &euro;170.88. Basic covered earnings are adjusted once a year according to changes in wages.</p>
<p>The maximum weekly covered earnings are &euro;1,025.</p>
<p>Dependent's supplement: The basic benefit is increased to 80% of average basic covered earnings for the first dependent; 90% for the second; and 100% for the third. A spouse is considered dependent if he or she is not working or is not receiving any benefit from the Social Insurance Fund.</p>
<h3>Administrative Organization</h3>
<p>Social Insurance Service of the Ministry of Labor and Social Insurance (<a href="https://www.gov.cy/mlsi/">http://www.mlsi.gov.cy</a>), directed by a tripartite advisory Social Insurance Board and the Director of Social Insurance Services, administers the program.</p>
<h2>Family Allowances</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First law:</span> 1987.</p>
<p><span class="h4">Current laws:</span> 2002 (child benefit) and 2003 (mother's allowance).</p>
<p><span class="h4">Type of program:</span> Universal system.</p>
<h3>Coverage</h3>
<p><span class="h4">Child benefit:</span> All residents of Cyprus.</p>
<p><span class="h4">Mother's allowance:</span> Mothers residing in Cyprus.</p>
<h3>Source of Funds</h3>
<p><span class="h4">Insured person:</span> None.</p>
<p><span class="h4">Self-employed person:</span> None.</p>
<p><span class="h4">Employer:</span> None.</p>
<p><span class="h4">Government:</span> The total cost.</p>
<h3>Qualifying Conditions</h3>
<p><span class="h4">Child benefit:</span> Paid to parents living with at least one dependent child. The child must be younger than age&nbsp;15 (age&nbsp;18 if unmarried; age&nbsp;23 if a <span class="nobr">full-time</span> student; age&nbsp;25 if in military service; no limit if disabled).</p>
<p>Supplementary annual benefit: Paid to families according to gross family income in the three years before applying for the child benefit (annual income up to &euro;34,172 in 2006).</p>
<p><span class="h4">Mother's allowance:</span> Paid to mothers residing in Cyprus with at least four children who have ceased to be entitled to the child benefit as the children are older than the age limit.</p>
<p><span class="h4">Marriage grant:</span> Either spouse must have at least 26&nbsp;weeks of coverage, paid contributions on earnings of at least 26&nbsp;times the weekly basic covered earnings, and paid or credited contributions on earnings of at least 20&nbsp;times the weekly basic covered earnings in the last year. The grant is also paid to the nonworking wife of an insured man.</p>
<p>Weekly basic covered earnings are &euro;170.88. Basic covered earnings are adjusted once a year according to changes in wages.</p>
<h3>Family Allowance Benefits</h3>
<p><span class="h4">Child benefit:</span> The annual basic benefit is &euro;409.99 for families with one eligible child, &euro;820 for two eligible children, &euro;2,459.94 for three eligible children, and &euro;1,352.98 for each child in families with four or more children.</p>
<p>Supplementary annual benefit: If the annual family income is &euro;17,086 or less, the benefit is &euro;102.49 for one eligible child, &euro;409.98 for two eligible children, &euro;922.50 for three eligible children, and &euro;430.86 for each child in families with four or more children.</p>
<p>If the annual family income is from &euro;17,086.01 to &euro;34,172.03, the benefit is &euro;51.25 for families with one eligible child, &euro;307.49 for two eligible children, &euro;768.72 for three eligible children, and &euro;281.87 for each child in families with four or more children.</p>
<p><span class="h4">Mother's allowance:</span> An eligible mother receives &euro;66.07 a month regardless of the number of children.</p>
<p>Schedule of payments: Thirteen payments (one every four weeks) a year.</p>
<p><span class="h4">Marriage grant:</span> &euro;710.88 is divided equally between the two spouses.</p>
<p>Benefit adjustment: Benefits are adjusted in January each year according to changes in the cost of living.</p>
<h3>Administrative Organization</h3>
<p>Ministry of Finance (<a href="https://www.gov.cy/mof/">http://www.mof.gov.cy</a>) administers the child benefit and mother's allowance programs.</p>
<p>Social Insurance Service of the Ministry of Labor and Social Insurance (<a href="https://www.gov.cy/mlsi/">http://www.mlsi.gov.cy</a>), directed by a tripartite advisory Social Insurance Board and the Director of Social Insurance Services, administers the program.</p>
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