192 lines
No EOL
20 KiB
HTML
192 lines
No EOL
20 KiB
HTML
<!doctype html>
|
|
<html lang="en" class="no-js">
|
|
<head>
|
|
<meta charset="UTF-8" />
|
|
<meta http-equiv="X-UA-Compatible" content="IE=edge,chrome=1" />
|
|
<meta name="viewport" content="width=device-width, initial-scale=1" />
|
|
<meta name="robots" content="noindex">
|
|
<title>Social Security Programs Throughout the World: Africa, 2015 - Gambia</title>
|
|
<meta name="DCTERMS:dateCreated" content="2015-09" />
|
|
<meta name="DCTERMS:contentOffice" content="ORDP:ORES" />
|
|
<meta name="DCTERMS:contentOwner" content="publications@ssa.gov" />
|
|
<meta name="DCTERMS:coderOffice" content="ORDP:ORES:OD" />
|
|
<meta name="DCTERMS:coder" content="op.webmaster@ssa.gov" />
|
|
<meta name="DCTERMS:dateCertified" content="2025-01-01" />
|
|
<meta name="description" content="Social Security Administration Research, Statistics, and Policy Analysis" />
|
|
<meta property="og:site_name" content="Social Security Administration Research, Statistics, and Policy Analysis"/>
|
|
<link rel="stylesheet" href="/policy/styles/doc.css" />
|
|
<link rel="stylesheet" href="/policy/styles/global.css" />
|
|
<!-- SSA INTERNET HEAD SCRIPTS -->
|
|
<script src="https://code.jquery.com/jquery-3.7.1.min.js" integrity="sha256-/JqT3SQfawRcv/BIHPThkBvs0OEvtFFmqPF/lYI/Cxo=" crossorigin="anonymous"></script>
|
|
<script src="/framework/js/ssa.internet.head.js"></script>
|
|
|
|
<script>(window.BOOMR_mq=window.BOOMR_mq||[]).push(["addVar",{"rua.upush":"false","rua.cpush":"false","rua.upre":"false","rua.cpre":"false","rua.uprl":"false","rua.cprl":"false","rua.cprf":"false","rua.trans":"SJ-3a3bb884-f513-47e3-a86c-84bab05e21dc","rua.cook":"true","rua.ims":"false","rua.ufprl":"false","rua.cfprl":"false","rua.isuxp":"false","rua.texp":"norulematch","rua.ceh":"false","rua.ueh":"false","rua.ieh.st":"0"}]);</script>
|
|
<script>!function(e){var n="https://s.go-mpulse.net/boomerang/";if("False"=="True")e.BOOMR_config=e.BOOMR_config||{},e.BOOMR_config.PageParams=e.BOOMR_config.PageParams||{},e.BOOMR_config.PageParams.pci=!0,n="https://s2.go-mpulse.net/boomerang/";if(window.BOOMR_API_key="LERZW-HECFS-R8H4E-23UQ7-ERMQB",function(){function e(){if(!o){var e=document.createElement("script");e.id="boomr-scr-as",e.src=window.BOOMR.url,e.async=!0,i.parentNode.appendChild(e),o=!0}}function t(e){o=!0;var n,t,a,r,d=document,O=window;if(window.BOOMR.snippetMethod=e?"if":"i",t=function(e,n){var t=d.createElement("script");t.id=n||"boomr-if-as",t.src=window.BOOMR.url,BOOMR_lstart=(new Date).getTime(),e=e||d.body,e.appendChild(t)},!window.addEventListener&&window.attachEvent&&navigator.userAgent.match(/MSIE [67]\./))return window.BOOMR.snippetMethod="s",void t(i.parentNode,"boomr-async");a=document.createElement("IFRAME"),a.src="about:blank",a.title="",a.role="presentation",a.loading="eager",r=(a.frameElement||a).style,r.width=0,r.height=0,r.border=0,r.display="none",i.parentNode.appendChild(a);try{O=a.contentWindow,d=O.document.open()}catch(_){n=document.domain,a.src="javascript:var d=document.open();d.domain='"+n+"';void(0);",O=a.contentWindow,d=O.document.open()}if(n)d._boomrl=function(){this.domain=n,t()},d.write("<bo"+"dy onload='document._boomrl();'>");else if(O._boomrl=function(){t()},O.addEventListener)O.addEventListener("load",O._boomrl,!1);else if(O.attachEvent)O.attachEvent("onload",O._boomrl);d.close()}function a(e){window.BOOMR_onload=e&&e.timeStamp||(new Date).getTime()}if(!window.BOOMR||!window.BOOMR.version&&!window.BOOMR.snippetExecuted){window.BOOMR=window.BOOMR||{},window.BOOMR.snippetStart=(new Date).getTime(),window.BOOMR.snippetExecuted=!0,window.BOOMR.snippetVersion=12,window.BOOMR.url=n+"LERZW-HECFS-R8H4E-23UQ7-ERMQB";var i=document.currentScript||document.getElementsByTagName("script")[0],o=!1,r=document.createElement("link");if(r.relList&&"function"==typeof r.relList.supports&&r.relList.supports("preload")&&"as"in r)window.BOOMR.snippetMethod="p",r.href=window.BOOMR.url,r.rel="preload",r.as="script",r.addEventListener("load",e),r.addEventListener("error",function(){t(!0)}),setTimeout(function(){if(!o)t(!0)},3e3),BOOMR_lstart=(new Date).getTime(),i.parentNode.appendChild(r);else t(!1);if(window.addEventListener)window.addEventListener("load",a,!1);else if(window.attachEvent)window.attachEvent("onload",a)}}(),"".length>0)if(e&&"performance"in e&&e.performance&&"function"==typeof e.performance.setResourceTimingBufferSize)e.performance.setResourceTimingBufferSize();!function(){if(BOOMR=e.BOOMR||{},BOOMR.plugins=BOOMR.plugins||{},!BOOMR.plugins.AK){var n="false"=="true"?1:0,t="cookiepresent",a="eyd7g6aaiaaamjqacqdfqaaaabt3motp-f-7af28c4bf-clienttons-s.akamaihd.net",i="false"=="true"?2:1,o={"ak.v":"39","ak.cp":"1204614","ak.ai":parseInt("728289",10),"ak.ol":"0","ak.cr":3,"ak.ipv":6,"ak.proto":"h2","ak.rid":"c89614","ak.r":19138,"ak.a2":n,"ak.m":"dsca","ak.n":"essl","ak.bpcip":"2607:f378:40:6::","ak.cport":40614,"ak.gh":"184.50.26.202","ak.quicv":"","ak.tlsv":"tls1.3","ak.0rtt":"","ak.0rtt.ed":"","ak.csrc":"-","ak.acc":"","ak.t":"1739995759","ak.ak":"hOBiQwZUYzCg5VSAfCLimQ==Pp7O3HXqGnYunVjC5ETsSVid6iG3O4Z61wBuY+juGPkk1PqgRJ0eym+MqOtC0vkCuBrhSit4G/MQ/FUf4Ye6d/w8cUDc3CNd8a4OOMreeDN84NK0HyTntbL6D/MOn/Ao0IE1CsVFvi7cJy12PDCLacThQHZ6wJac3Y8ouNUgC2+diUhgQpGcs+82e3IYm1yhZTNCUokyAfGS0ur/ukNFl9v1bOolPFJbuFEe+OGf82fxREs1c5q2oDq683bo8BIxsZr8LaoO9xl0GLaJTX0lyd7Qw7op/YCGz33VpFslm8/buiTmvRp/YiT44fRHP/fNHZvFPfrL00vyGXNl6k/kRhakrS+PZgVXQ5B4al0NmFFRJTMEOblc1Cx3bDB8QbgL5TIyPn6D+mmvPSjbqh19y7pM99yHoPPQScqcXBz+pU4=","ak.pv":"98","ak.dpoabenc":"","ak.tf":i};if(""!==t)o["ak.ruds"]=t;var r={i:!1,av:function(n){var t="http.initiator";if(n&&(!n[t]||"spa_hard"===n[t]))o["ak.feo"]=void 0!==e.aFeoApplied?1:0,BOOMR.addVar(o)},rv:function(){var e=["ak.bpcip","ak.cport","ak.cr","ak.csrc","ak.gh","ak.ipv","ak.m","ak.n","ak.ol","ak.proto","ak.quicv","ak.tlsv","ak.0rtt","ak.0rtt.ed","ak.r","ak.acc","ak.t","ak.tf"];BOOMR.removeVar(e)}};BOOMR.plugins.AK={akVars:o,akDNSPreFetchDomain:a,init:function(){if(!r.i){var e=BOOMR.subscribe;e("before_beacon",r.av,null,null),e("onbeacon",r.rv,null,null),r.i=!0}return this},is_complete:function(){return!0}}}}()}(window);</script></head>
|
|
|
|
<body class="ssptw">
|
|
<article>
|
|
<header>
|
|
<div id="hLogo"><a class="navLogo" href="/policy/index.html">Social Security</a><a class="navSearch" href="https://search.ssa.gov/search?affiliate=ssa">SEARCH</a></div>
|
|
<div id="hRedBar">
|
|
<div id="hDocInfo">
|
|
<h1>Social Security Programs Throughout the World: Africa, 2015</h1>
|
|
</div>
|
|
</div>
|
|
</header>
|
|
<nav>
|
|
<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, 2015</span></a><meta itemprop="position" content="3" /></span></div>
|
|
<div id="rspaUtil"><ul><li id="mail"><a class="js-ga-event" href="#" rel="nofollow" data-event="outbound-link" data-event-action="click" data-event-label="email-this">Email</a></li><li id="print"><a href="#" rel="nofollow">Save/Print</a></li></ul></div>
|
|
</nav>
|
|
<div class="innards">
|
|
<div id="_idContainer000" class="innards">
|
|
<h1>Gambia</h1>
|
|
<div class="exchangeRate">Exchange rate: <abbr class="spell">US</abbr>$1.00 = 45 dalasi.</div>
|
|
<h2>Old Age, Disability, and Survivors</h2>
|
|
<h3>Regulatory Framework</h3>
|
|
<p><span class="h4">First and current laws:</span> 1978 (social insurance); 1981 (provident fund), implemented in 1982; and 2010 (social security).</p>
|
|
<p><span class="h4">Type of program:</span> Social insurance and provident fund system.</p>
|
|
<h3>Coverage</h3>
|
|
<p><span class="h4">Social insurance:</span> Employed persons in quasi-government institutions and participating private companies.</p>
|
|
<p>Exclusions: Casual workers and self-employed persons.</p>
|
|
<p><span class="h4">Provident fund:</span> Private-sector employees. Voluntary coverage is available for self-employed persons.</p>
|
|
<p>Exclusions: Casual workers.</p>
|
|
<p>Special systems for civil servants covered by the 1950 Pensions Act and military personnel.</p>
|
|
<h3>Source of Funds</h3>
|
|
<p><span class="h4">Insured person</span></p>
|
|
<p><span class="h5">Social insurance:</span> None.</p>
|
|
<p><span class="h5">Provident fund:</span> 5% of basic salary.</p>
|
|
<p><span class="h4">Self-employed person</span></p>
|
|
<p><span class="h5">Social insurance:</span> Not applicable.</p>
|
|
<p><span class="h5">Provident fund:</span> May contribute.</p>
|
|
<p><span class="h4">Employer</span></p>
|
|
<p><span class="h5">Social insurance:</span> 15% of gross salary.</p>
|
|
<p><span class="h5">Provident fund:</span> 10% of basic salary.</p>
|
|
<p><span class="h4">Government</span></p>
|
|
<p><span class="h5">Social insurance:</span> None.</p>
|
|
<p><span class="h5">Provident fund:</span> None.</p>
|
|
<h3>Qualifying Conditions</h3>
|
|
<p><span class="h4">Old-age pension</span></p>
|
|
<p><span class="h5">Old-age pension (social insurance):</span> Age 60 with at least 10 years of continuous contributions.</p>
|
|
<p>Early pension (social insurance): Age 45 with at least 10 years of contributions; younger than age 45 with at least five years of contributions in case of unemployment.</p>
|
|
<p><span class="h5">Old-age settlement (social insurance):</span> Age 60 with at least five years but less than 10 years of contributions.</p>
|
|
<p>Deferred <span class="nobr">old-age</span> settlement (pension fund): Age 60.</p>
|
|
<p><span class="h5">Old-age benefit (provident fund):</span> Age 60; voluntarily retired with at least five years of contributions and unemployed for at least two years (age 45), six months (age 46 to 54), or three months (age 55 to 59).</p>
|
|
<p><span class="h4">Disability pension</span></p>
|
|
<p><span class="h5">Disability pension (social insurance):</span> Must be assessed with a disability and an incapacity for work and have at least 10 years of contributions.</p>
|
|
<p>A medical board assesses the disability.</p>
|
|
<p><span class="h5">Disability settlement (social insurance):</span> Must be assessed with a disability and an incapacity for work and have at least five years but less than 10 years of contributions.</p>
|
|
<p><span class="h5">Disability benefit (provident fund):</span> Must be assessed with an incapacity for work as the result of a disability.</p>
|
|
<p>A medical board assesses the disability.</p>
|
|
<p><span class="h4">Survivor benefit</span></p>
|
|
<p><span class="h5">Survivor benefit (social insurance):</span> Paid to named survivors.</p>
|
|
<p><span class="h5">Survivor benefit (provident fund):</span> Paid to named survivors.</p>
|
|
<h3>Old-Age Benefits</h3>
|
|
<p><span class="h4">Old-age pension</span></p>
|
|
<p><span class="h5">Old-age pension (social insurance):</span> 75% of the total employer contributions is paid as an annuity; the remaining 25% is paid as a lump sum.</p>
|
|
<p><span class="h5">Early pension (social insurance):</span> Calculated in the same way as the <span class="nobr">old-age</span> pension but with a reduction based on age at retirement.</p>
|
|
<p><span class="h5">Old-age settlement (social insurance):</span> A lump sum is paid.</p>
|
|
<p>Deferred <span class="nobr">old-age</span> settlement (social insurance): A lump sum is paid.</p>
|
|
<p><span class="h5">Old-age benefit (provident fund):</span> A lump sum of total employer and insured person's contributions plus accrued interest is paid.</p>
|
|
<p>100% of the benefit is paid if the insured retires voluntarily at age 45 with at least five years of contributions and after two years of unemployment; 70% of the benefit is paid if aged 46 to 54 after six months of unemployment; 85% of the benefit is paid if aged 55 or older after three months of unemployment.</p>
|
|
<h3>Permanent Disability Benefits</h3>
|
|
<p><span class="h4">Disability pension</span></p>
|
|
<p><span class="h5">Disability pension (social insurance):</span> 75% of the total employer contributions is paid as an annuity; the remaining 25% is paid as a lump sum. The total amount may be paid as a lump sum if the insured is seriously ill.</p>
|
|
<p><span class="h5">Disability settlement (social insurance):</span> A lump sum is paid.</p>
|
|
<p><span class="h5">Disability benefit (provident fund):</span> A lump sum of total employer and insured person's contributions plus accrued interest is paid.</p>
|
|
<p>Partial disability (provident fund): A lump sum of up to 50% of the full disability benefit is paid, according to the assessed degree of disability. Further payments are based on an assessment of the disability by a medical board.</p>
|
|
<h3>Survivor Benefits</h3>
|
|
<p><span class="h4">Survivor benefits</span></p>
|
|
<p><span class="h5">Survivor benefit (social insurance):</span> If the deceased was contributing at the time of death, a lump sum of twice the deceased's annual salary is paid.</p>
|
|
<p><span class="h5">Survivor benefit (provident fund):</span> A lump sum of total employer and insured person's contributions plus accrued interest is paid.</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p>Social Security and Housing Finance Corporation administers the social insurance and provident fund.</p>
|
|
<h2>Sickness and Maternity</h2>
|
|
<h3>Regulatory Framework</h3>
|
|
<p><span class="h4">First Law:</span> 1990 (labor act)</p>
|
|
<p><span class="h4">Current Law:</span> 2007 (labor act)</p>
|
|
<p><span class="h4">Type of program:</span> Employer-liability (cash sickness and maternity benefits) system.</p>
|
|
<h3>Coverage</h3>
|
|
<p>Employed persons.</p>
|
|
<p>Exclusions: Civil servants, military personnel, and household workers.</p>
|
|
<h3>Source of Funds</h3>
|
|
<p><span class="h4">Insured person:</span> None.</p>
|
|
<p><span class="h4">Self-employed person:</span> Not applicable.</p>
|
|
<p><span class="h4">Employer:</span> Total cost.</p>
|
|
<p><span class="h4">Government:</span> None.</p>
|
|
<h3>Qualifying Conditions</h3>
|
|
<p><span class="h4">Cash sickness benefits:</span> There is no minimum qualifying period.</p>
|
|
<p><span class="h4">Cash maternity benefits:</span> Must have at least two years of continuous employment with the same employer.</p>
|
|
<h3>Sickness and Maternity Benefits</h3>
|
|
<p><span class="h4">Cash sickness benefits:</span> 100% of the employee's earnings is paid for a maximum period defined by collective agreements or Joint Industrial Council Agreements.</p>
|
|
<p><span class="h4">Cash maternity benefits:</span> 100% of the employee's earnings is paid for six weeks before and six weeks after the expected date of childbirth.</p>
|
|
<h3>Workers' Medical Benefits</h3>
|
|
<p>No statutory benefits are provided.</p>
|
|
<h3>Dependents' Medical Benefits</h3>
|
|
<p>No statutory benefits are provided.</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p>The Department of Labour administers the program.</p>
|
|
<h2>Work Injury</h2>
|
|
<h3>Regulatory Framework</h3>
|
|
<p><span class="h4">First law:</span> 1940 (workmen's compensation).</p>
|
|
<p><span class="h4">Current law:</span> 1990 (industrial injuries compensation), implemented in 1996.</p>
|
|
<p><span class="h4">Type of program:</span> Employer-liability system.</p>
|
|
<h3>Coverage</h3>
|
|
<p>Employed persons in central government and public enterprises, local government authorities, and the private sector.</p>
|
|
<p>Exclusions: Self-employed persons, military personnel, casual and household workers, and family members living in the employer's home.</p>
|
|
<h3>Source of Funds</h3>
|
|
<p><span class="h4">Insured person:</span> None.</p>
|
|
<p><span class="h4">Self-employed person:</span> Not applicable.</p>
|
|
<p><span class="h4">Employer:</span> 1% of covered payroll.</p>
|
|
<p>The maximum monthly earnings used to calculate contributions are 1,500 dalasi.</p>
|
|
<p><span class="h4">Government:</span> None; contributes as an employer for civil servants.</p>
|
|
<h3>Qualifying Conditions</h3>
|
|
<p><span class="h4">Work injury benefits:</span> There is no minimum qualifying period; the incapacity must last at least five consecutive days.</p>
|
|
<h3>Temporary Disability Benefits</h3>
|
|
<p>60% of the insured's earnings is paid monthly for up to six months.</p>
|
|
<p>The maximum monthly earnings used to calculate benefits are 1,500 dalasi.</p>
|
|
<p>Partial disability: A reduced pension is paid (usually 60% of the difference between earnings before and after the disability began) until recovery or certification of permanent disability after 12 months.</p>
|
|
<h3>Permanent Disability Benefits</h3>
|
|
<p><span class="h4">Permanent disability pension:</span> If the insured is assessed with a total disability, 60% of the insured's earnings is paid.</p>
|
|
<p>The minimum monthly benefit is 100 dalasi.</p>
|
|
<p>The maximum monthly earnings used to calculate benefits are 1,500 dalasi.</p>
|
|
<p>Constant-attendance allowance: If the insured requires the constant attendance of others to perform daily functions, 25% of the permanent disability pension is paid.</p>
|
|
<p>Partial disability: For an assessed degree of disability of 20% to 99%, a reduced pension is paid according to the assessed degree of disability; for an assessed disability of less than 20%, a lump sum is paid.</p>
|
|
<p>Pensions are paid monthly.</p>
|
|
<h3>Survivor Benefits</h3>
|
|
<p><span class="h4">Survivor benefit:</span> A lump sum of 120 months of the deceased's earnings is paid to dependent survivors; a reduced benefit is paid to survivors who were partially dependent.</p>
|
|
<p>The minimum survivor benefit is 100,000 dalasi.</p>
|
|
<p>The maximum survivor benefit is 180,000 dalasi.</p>
|
|
<p>The maximum monthly earnings used to calculate benefits are 1,500 dalasi.</p>
|
|
<p><span class="h4">Funeral grant:</span> If there are no surviving dependents, burial expenses up to 1,000 dalasi are paid.</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p>Social Security and Housing Finance Corporation and the Department of Labour enforce the law.</p>
|
|
<p>Injuries Compensation Fund administers the program.</p>
|
|
<h2>Unemployment</h2>
|
|
<h3>Regulatory Framework</h3>
|
|
<p>The Labor Act of 2008 requires employers to provide severance pay to an employee with a contract of unlimited duration dismissed for economic, organizational, climatic or technical reasons, including mechanization or automation, or if the place of employment moves more than 40 kilometers and the employee declines an offer of employment. The benefit is six months of employee earnings.</p>
|
|
</div>
|
|
</div>
|
|
</article>
|
|
</div>
|
|
</article>
|
|
<nav>
|
|
<div class="docNav"><a class="previous" href="gabon.html">Previous: Gabon</a> <a class="toTop" href="#hLogo">Top of page</a> <a class="toTOC" href="index.html#fileList">Table of contents</a> <a class="next" href="ghana.html">Next: Ghana</a></div>
|
|
</nav>
|
|
<footer><div id="footer">
|
|
<div class="important-info"><h4>Important Information:</h4>
|
|
<ul><li><a href="/agency/">About Us</a></li>
|
|
<li><a href="/accessibility/">Accessibility</a></li>
|
|
<li><a href="/foia/">FOIA</a></li>
|
|
<li><a href="/open/">Open Government</a></li>
|
|
<li><a href="/agency/glossary/">Glossary</a></li>
|
|
<li><a href="/privacy/">Privacy</a></li>
|
|
<li><a href="https://oig.ssa.gov/report/">Report Fraud, Waste or Abuse</a></li>
|
|
<li><a href="/agency/websitepolicies.html">Website Policies</a></li></ul>
|
|
</div>
|
|
<p class="align-center margin-top">This website is produced and published at U.S. taxpayer expense.</p>
|
|
</div></footer>
|
|
<!-- SSA INTERNET BODY SCRIPTS -->
|
|
<script src="/policy/js/rspa.doc.js"></script>
|
|
<script src="/policy/js/rspa-shared.js"></script>
|
|
<script src="/framework/js/ssa.internet.body.js"></script>
|
|
</body></html> |