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<h1>Social Security Programs Throughout the World: Africa, 2015</h1>
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<h1>Liberia</h1>
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<div class="exchangeRate">Exchange rate: <abbr class="spell">US</abbr>$1.00 = 82 Liberian dollars (L$).</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> 1975.</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 and social assistance system.</p>
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<h3>Coverage</h3>
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<p><span class="h4">Social insurance</span></p>
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<p>Public- and private-sector employees with five or more workers.</p>
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<p>Voluntary coverage for self-employed persons not compulsorily covered.</p>
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<p>Exclusions: Casual workers, family labor, household workers, military personnel, foreign diplomats, senior members of the government and courts, and persons employed on any type of boat.</p>
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<p><span class="h4">Social assistance</span></p>
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<p>Needy elderly, disabled, or unemployed persons.</p>
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<h3>Source of Funds</h3>
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<p><span class="h4">Insured person</span></p>
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<p><span class="h5">Social insurance:</span> 3% of earnings.</p>
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<p><span class="h5">Social assistance:</span> None.</p>
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<p><span class="h4">Self-employed person</span></p>
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<p><span class="h5">Social insurance:</span> May contribute 5% of earnings.</p>
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<p><span class="h5">Social assistance:</span> None.</p>
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<p><span class="h4">Employer</span></p>
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<p><span class="h5">Social insurance:</span> 3% of payroll.</p>
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<p><span class="h5">Social assistance:</span> None.</p>
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<p><span class="h4">Government</span></p>
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<p><span class="h5">Social insurance:</span> None.</p>
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<p><span class="h5">Social assistance:</span> The total cost.</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Old-age pension (social insurance):</span> Age 60 (up to 65) with at least 100 months of contributions.</p>
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<p>Employment must cease.</p>
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<p><span class="h4">Old-age settlement (social insurance):</span> Paid at the pensionable age with less than 100 months but at least 12 months of contributions.</p>
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<p><span class="h4">Old-age assistance (social assistance):</span> Paid to needy elderly persons who do not qualify for any social insurance <span class="nobr">old-age</span> benefit; may also be paid to certain unemployed workers.</p>
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<p><span class="h4">Disability pension (social insurance):</span> Assessed with a permanent incapacity for work with at least 50 months of contributions in the 60 months before the disability began.</p>
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<p><span class="h4">Disability settlement (social insurance):</span> Paid if the insured does not qualify for the disability pension but has at least 12 months of contributions.</p>
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<p><span class="h4">Disability assistance (social assistance):</span> Paid to needy workers with disabilities who do not qualify for any social insurance disability benefit.</p>
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<p><span class="h4">Survivor pension (social insurance):</span> The deceased was a pensioner or had at least 50 months of contributions in the 60 months before death.</p>
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<h3>Old-Age Benefits</h3>
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<p><span class="h4">Old-age pension (social insurance):</span> 25% of the insured's average monthly earnings plus 1% of average monthly earnings for each <span class="nobr">10-month</span> period of contributions exceeding 100 months is paid.</p>
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<p><span class="h4">Old-age settlement (social insurance):</span> A lump sum of employee contributions plus interest is paid.</p>
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<p><span class="h4">Old-age assistance (social assistance):</span> A benefit is paid.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Disability pension (social insurance):</span> 25% of the insured's average monthly earnings in the last 12 months plus 1% of average monthly earnings for each <span class="nobr">10-month</span> period of contributions exceeding 50 months is paid.</p>
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<p><span class="h4">Disability settlement (social insurance):</span> A lump sum of employee contributions plus interest is paid.</p>
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<p><span class="h4">Disability assistance (social assistance):</span> A benefit is paid.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Spouse's pension (social insurance):</span> 50% of the <span class="nobr">old-age</span> or disability pension the deceased received or was entitled to receive is paid to a dependent <span class="nobr">widow(er).</span></p>
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<p>The maximum survivor pension is 100% of the <span class="nobr">old-age</span> or disability pension the deceased received or was entitled to receive, whichever is greater.</p>
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<p><span class="h4">Orphan's pension (social insurance):</span> 10% of the <span class="nobr">old-age</span> or disability pension the deceased received or was entitled to receive is paid to each orphan younger than age 18 (age 21 if a student, no limit if disabled); 20% to each full orphan.</p>
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<p>All orphans' pensions combined must not exceed 50% of the <span class="nobr">old-age</span> or disability pension the deceased received or was entitled to receive; 100% for full orphans.</p>
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<h3>Administrative Organization</h3>
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<p>National Social Security and Welfare Corporation (http://nasscorp.org.lr), supervised by a tripartite board of directors, and a management team, 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> 1943 (workmen's compensation), implemented in 1949.</p>
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<p><span class="h4">Current law:</span> 1980 (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>Employees in firms with at least five employees.</p>
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<p>Self-employed person in certain cases.</p>
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<p>Exclusions: Casual workers, family labor, household workers, military personnel, foreign diplomats, senior members of the government and courts, and persons employed on any type of boat.</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> 1.75% of declared earnings.</p>
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<p><span class="h4">Employer:</span> 1.75% of payroll.</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">Work injury benefits:</span> There is no minimum qualifying period. Accidents that occur while commuting to and from work are covered.</p>
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<h3>Temporary Disability Benefits</h3>
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<p><span class="h4">Temporary disability benefits:</span> 65% of the insured's average monthly earnings over the last 12 months is paid after a <span class="nobr">14-day</span> waiting period (if the disability lasts longer than 14 days, the first 14 days are paid retroactively) until full recovery or certification of permanent disability. The benefit is paid for up to one year.</p>
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<p>The minimum benefit is L$50 or 100% of the insured's average monthly earnings, whichever is lower.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Permanent disability pension:</span> 65% of the insured's average monthly earnings is paid for a total disability.</p>
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<p>Constant-attendance supplement: 25% of the disability pension is paid if the insured requires the constant attendance of others to perform daily functions.</p>
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<p>Partial disability: A percentage of the full pension is paid depending on the assessed degree of disability, according to a schedule in law.</p>
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<p>A medical board assesses the degree of disability.</p>
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<p>The minimum benefit is L$50 or 100% of the insured's average monthly earnings, whichever is lower.</p>
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<h3>Workers' Medical Benefits</h3>
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<p>Benefits include reasonable expenses for medical and surgical care, hospitalization, medicine, and appliances.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Spouse's pension:</span> 20% of the insured's average earnings in the last 12 months is paid to a dependent widow or a dependent, disabled widower.</p>
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<p>The <span class="nobr">widow(er)'s</span> pension ceases on remarriage.</p>
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<p><span class="h4">Orphan's pension:</span> 10% of the insured's average earnings in the last 12 months is paid for each orphan younger than age 18 (age 21 if a student, no limit if disabled); 20% for each full orphan.</p>
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<p>All orphans' pensions combined must not exceed 30% of the deceased's earnings; 60% for full orphans.</p>
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<p><span class="h4">Dependent parent's and grandparent's pension:</span> If there are no other eligible survivors, 20% of the insured's average earnings in the last 12 months is paid. The pension is split equally if there is more than one eligible survivor.</p>
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<p><span class="h4">Funeral grant:</span> The cost of the burial is paid, up to L$500.</p>
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<h3>Administrative Organization</h3>
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<p>National Social Security and Welfare Corporation (http://nasscorp.org.lr), supervised by a tripartite board of directors and a management team, administers the program.</p>
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