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<title>Social Security Programs Throughout the World: Africa, 2015 - Madagascar</title>
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<h1>Social Security Programs Throughout the World: Africa, 2015</h1>
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<h1>Madagascar</h1>
<div class="exchangeRate">Exchange rate: <abbr class="spell">US</abbr>$1.00&nbsp;= 2,596.73&nbsp;ariary.</div>
<h2>Old Age, Disability, and Survivors</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First and current laws:</span> 1969 (social insurance) and 1994 (social protection).</p>
<p><span class="h4">Type of program:</span> Social insurance system.</p>
<h3>Coverage</h3>
<p>Employed persons including <span class="nobr">full-time</span> household workers.</p>
<p>Exclusions: Self-employed persons; farmers and casual agricultural workers working less than three months a year.</p>
<p>Special system for civil servants.</p>
<h3>Source of Funds</h3>
<p><span class="h4">Insured person:</span> 1% of covered earnings; a flat rate of 400&nbsp;ariary a month for <span class="nobr">full-time</span> household workers.</p>
<p>The minimum earnings used to calculate contributions are the legal monthly minimum wage.</p>
<p>The maximum earnings used to calculate contributions are eight times the legal monthly minimum wage.</p>
<p>The legal monthly minimum wage is 124,243&nbsp;ariary (nonagricultural sector); 126,000&nbsp;ariary (agricultural sector).</p>
<p><span class="h4">Self-employed person:</span> Not applicable.</p>
<p><span class="h4">Employer:</span> 9.5% of covered payroll; a flat rate of 800&nbsp;ariary a month for <span class="nobr">full-time</span> household workers.</p>
<p>The minimum earnings used to calculate contributions are the legal monthly minimum wage.</p>
<p>The maximum earnings used to calculate contributions are eight times the legal monthly minimum wage.</p>
<p>The legal monthly minimum wage is 124,243&nbsp;ariary (nonagricultural sector); 126,000&nbsp;ariary (agricultural sector).</p>
<p>Contributions are paid quarterly.</p>
<p><span class="h4">Government:</span> None; contributes as an employer for public-sector employees who are not civil servants.</p>
<h3>Qualifying Conditions</h3>
<p><span class="h4">Old-age pension:</span> Age&nbsp;60 or age&nbsp;55 (merchant seamen) with at least 15&nbsp;years of coverage (some periods of work before 1969 are credited) including 28&nbsp;quarters of contributions in the last 10&nbsp;calendar years.</p>
<p>Employment must cease.</p>
<p>Partial pension: Age&nbsp;60 or age&nbsp;55 (merchant seamen) with at least 100&nbsp;quarters of total coverage if less than 28&nbsp;quarters of contributions in the last 10&nbsp;calendar years.</p>
<p>The insured may continue to work up to five years after the legal retirement age to meet the contribution qualifying conditions.</p>
<p>Refund of contributions: Paid to an insured person with at least four quarters of contributions who does not qualify for the pension.</p>
<p>The pension is payable abroad.</p>
<p><span class="h4">Solidarity allowance:</span> Paid to an insured person who does not qualify for the full or partial <span class="nobr">old-age</span> pension at age&nbsp;60. The insured must have had at least 15&nbsp;quarters of employment from January&nbsp;1, 1964, and December&nbsp;31, 1968, and have been in salaried employment on January&nbsp;1, 1969.</p>
<p>Employment must cease.</p>
<p>The allowance is payable abroad.</p>
<p><span class="h4">Disability pension:</span> Age&nbsp;55 (men and women) or age&nbsp;50 (merchant seamen) with at least a 60% loss of working capacity and with at least 10&nbsp;years of coverage (some periods of work before 1969 are credited), including at least 28&nbsp;quarters of contributions in the last 10&nbsp;calendar years.</p>
<p>Dependent's supplement: Paid for a spouse older than age&nbsp;59 (men) or age&nbsp;54 (women and merchant seamen).</p>
<p>The pension is payable abroad.</p>
<p>Refund of contributions: Paid to an insured person with at least four quarters of contributions who does not qualify for the pension.</p>
<p><span class="h4">Survivor pension:</span> The deceased was a pensioner or was at least age&nbsp;55 or age&nbsp;50 (merchant seamen) and met the contribution requirements for the <span class="nobr">old-age</span> pension at the time of death.</p>
<p>Eligible survivors include the spouse and children younger than age&nbsp;15 (age&nbsp;22 if a student or disabled).</p>
<p>The <span class="nobr">widow(er)'s</span> pension ceases on remarriage.</p>
<p>The pension is payable abroad.</p>
<h3>Old-Age Benefits</h3>
<p><span class="h4">Old-age pension:</span> The pension is 30% of the legal monthly minimum wage plus 20% of the insured's monthly average adjusted earnings in the last 10&nbsp;calendar years plus 1% of the insured's earnings for each year of contributions exceeding 10&nbsp;years.</p>
<p>The minimum earnings used to calculate benefits are&nbsp;the legal monthly minimum wage.</p>
<p>The maximum earnings used to calculate benefits are eight times the legal monthly minimum wage.</p>
<p>The legal monthly minimum wage is 124,243&nbsp;ariary (nonagricultural sector); 126,000&nbsp;ariary (agricultural sector).</p>
<p>Partial pension: A reduced pension is paid.</p>
<p>Dependent's supplement: 10% of the insured's pension is paid for a spouse older than age&nbsp;60.</p>
<p>Special supplement: 5% of the pension is paid for workers awarded the bronze medal for long service at work; 10% for the silver medal.</p>
<p>The minimum pension (including supplements) is 60% of the legal monthly minimum wage.</p>
<p>The maximum pension is 40% of the maximum earnings used to calculate contributions (if supplements are not paid) or 75% of the insured's monthly average adjusted earnings in the last 10&nbsp;calendar years (if supplements are paid).</p>
<p>The legal monthly minimum wage is 124,243&nbsp;ariary (nonagricultural sector); 126,000&nbsp;ariary (agricultural sector).</p>
<p>The insured may receive both the <span class="nobr">old-age</span> pension and the work injury permanent disability pension at the same time. The total amount received is 100% of the higher pension plus 25% of the lower pension.</p>
<p>Pensions are paid quarterly.</p>
<p>Benefit adjustment: Benefits are adjusted according to increases in the legal minimum wage.</p>
<p>Refund of contributions: A lump sum of total contributions plus 2% annual interest a year&nbsp;is paid.</p>
<p>The minimum refund is 20,000&nbsp;ariary.</p>
<p><span class="h4">Solidarity allowance:</span> The annual allowance is 30% of 12&nbsp;times the legal monthly minimum wage plus 10% of the insured's average annual earnings in the last five calendar years plus 1% of the insured's earnings for each additional four-quarter period of contributions.</p>
<p>The legal monthly minimum wage is 124,243&nbsp;ariary (nonagricultural sector); 126,000&nbsp;ariary (agricultural sector).</p>
<p>The allowance is paid quarterly.</p>
<p>Benefit adjustment: Benefits are adjusted according to increases in the legal minimum wage.</p>
<h3>Permanent Disability Benefits</h3>
<p><span class="h4">Disability pension:</span> 80% of the <span class="nobr">old-age</span> pension that would have been paid if the insured had worked until the pensionable age.</p>
<p>Dependent's supplement: 10% of the insured's pension is paid.</p>
<p>Special supplement: 5% of the pension is paid for workers awarded the bronze medal for long service at work; 10% for the silver medal.</p>
<p>The minimum pension (including supplements) is 60% of the legal monthly minimum wage.</p>
<p>The legal monthly minimum wage is 124,243&nbsp;ariary (nonagricultural sector); 126,000&nbsp;ariary (agricultural sector).</p>
<p>If the insured is no longer capable of work and is eligible for both the disability pension and the work injury permanent disability pension, only the higher pension is paid.</p>
<p>Benefit adjustment: Benefits are adjusted according to increases in the legal monthly minimum wage.</p>
<p>Refund of contributions: A lump sum of total contributions plus 2% annual interest a year is paid.</p>
<p>The minimum refund is 20,000&nbsp;ariary.</p>
<h3>Survivor Benefits</h3>
<p><span class="h4">Spouse's pension:</span> 30% of the <span class="nobr">old-age</span> or disability pension the deceased received or was entitled to receive is paid to an unemployed <span class="nobr">widow(er)</span>; 15% if the <span class="nobr">widow(er)</span> is employed or receiving his or her own <span class="nobr">old-age</span> or disability pension.</p>
<p>Pensions are paid quarterly.</p>
<p><span class="h4">Orphan's pension:</span> 15% of the <span class="nobr">old-age</span> or disability pension the deceased received or was entitled to receive is paid for each of the first two orphans; 10% for each additional orphan; 20% for each full orphan.</p>
<p>All survivor benefits combined must not exceed 85% of the <span class="nobr">old-age</span> or disability pension the deceased received or was entitled to receive.</p>
<p>Benefit adjustment: Benefits are adjusted according to increases in the legal minimum wage.</p>
<h3>Administrative Organization</h3>
<p>Ministry of Civil Service, Labor, and Social Legislation (http://www.mfptls.gov.mg) provides general supervision.</p>
<p>National Social Insurance Fund (<a href="https://www.cnaps.mg">http://www.cnaps.mg</a>) administers the program.</p>
<h2>Sickness and Maternity</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First law:</span> 1952.</p>
<p><span class="h4">Current laws:</span> 1963 (family benefits) and 1994 (social protection).</p>
<p><span class="h4">Type of program:</span> Employer-liability and social insurance system.</p>
<h3>Coverage</h3>
<p>Employed women, including household and salaried agricultural workers.</p>
<p>Exclusions: Self-employed persons; casual agricultural workers working less than three months a year.</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> See source of funds under Family Allowances.</p>
<p><span class="h4">Government:</span> None.</p>
<h3>Qualifying Conditions</h3>
<p><span class="h4">Cash sickness benefits (employer liability):</span> The labor code requires employers to provide paid sick leave to employees).</p>
<p><span class="h4">Cash maternity benefits (social insurance):</span> Must have at least six consecutive months of insured employment with at least 20&nbsp;days or 134&nbsp;hours of work a month.</p>
<h3>Sickness and Maternity Benefits</h3>
<p><span class="h4">Sickness benefit (employer liability):</span> The labor code requires employers to provide up to six months of paid sick leave.</p>
<p><span class="h4">Maternity benefit (social insurance):</span> 50% of the insured's last wage is paid for six weeks before and eight weeks after (up to 11&nbsp;weeks after if there are complications arising from pregnancy or childbirth) the expected date of childbirth. The benefit is paid in two equal amounts (three if there are complications).</p>
<p>The minimum monthly earnings used to calculate benefits are the legal monthly minimum wage.</p>
<p>The legal monthly minimum wage is 124,243&nbsp;ariary (nonagricultural sector); 126,000&nbsp;ariary (agricultural sector).</p>
<p>If the insured does not qualify for maternity benefits, the employer pays 50% of earnings for up to 14&nbsp;weeks of maternity leave.</p>
<h3>Workers' Medical Benefits</h3>
<p>Insured women are reimbursed for the cost of medical care during pregnancy and childbirth, up to 5,000&nbsp;ariary. The labor code requires employers to provide certain medical services to employees including hospitalization, medicine, transportation and rehabilitation.</p>
<h3>Dependents' Medical Benefits</h3>
<p><span class="h4">Medical benefits for dependents:</span> Some maternity and child health and welfare services are provided under Family Allowances. (The labor code requires employers to provide certain medical services to employees' dependents).</p>
<h3>Administrative Organization</h3>
<p>Ministry of Civil Service, Labor, and Social Legislation (http://www.mfptls.gov.mg) provides general supervision.</p>
<p>National Social Insurance Fund (<a href="https://www.cnaps.mg">http://www.cnaps.mg</a>) administers the program.</p>
<h2>Work Injury</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First law:</span> 1925.</p>
<p><span class="h4">Current laws:</span> 1963 (work injury) and 1994 (social protection).</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>
<p>Special system for civil servants.</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> 1.25% of covered payroll; 1% for salaried casual agricultural workers; a <span class="nobr">flat-rate</span> monthly contribution of 385&nbsp;ariary for <span class="nobr">full-time</span> household workers; 1% of annual covered earnings for cooperative members; 1.5% of tobacco grower's annual base earnings for each cultivated hectare for tobacco growers.</p>
<p>The minimum earnings used to calculate contributions are the legal monthly minimum wage.</p>
<p>The maximum earnings used to calculate contributions are eight times the legal monthly minimum wage.</p>
<p>The legal monthly minimum wage is 124,243&nbsp;ariary (nonagricultural sector); 126,000&nbsp;ariary (agricultural sector).</p>
<p>Contributions are paid quarterly. Cooperative members and tobacco growers pay contributions annually.</p>
<p><span class="h4">Government:</span> None; contributes as an employer for public-sector employees who are not civil servants.</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 daily benefit is 66.7% of the insured's daily average earnings in the last 30&nbsp;days before the disability began. The benefit is paid monthly from the day after the disability began until full recovery or certification of permanent disability.</p>
<p>The maximum daily benefit is 1,200&nbsp;ariary.</p>
<p>Benefit adjustment: If the disability lasts more than three months, benefits may be adjusted according to the growth in wages.</p>
<h3>Permanent Disability Benefits</h3>
<p><span class="h4">Permanent disability pension:</span> If the insured is assessed with a total disability, 100% of the insured's monthly average earnings in the 12&nbsp;months before the disability began is paid.</p>
<p>The minimum earnings used to calculate benefits are 1.4&nbsp;times the legal monthly minimum wage.</p>
<p>33.3% of earnings exceeding four times the legal monthly minimum wage are used to calculate benefits.</p>
<p>The maximum earnings used to calculate benefits are 16&nbsp;times the legal monthly minimum wage.</p>
<p>The legal monthly minimum wage is 124,243&nbsp;ariary (nonagricultural sector); 126,000&nbsp;ariary (agricultural sector).</p>
<p>Constant-attendance supplement: If the insured requires the constant attendance of others to perform daily functions, 40% of the disability pension is paid.</p>
<p>The minimum supplement is the legal monthly minimum wage.</p>
<p>Partial disability: If the assessed degree of disability is 10% or more, the benefit is the insured's average insurable annual earnings multiplied by 0.5 for each degree of assessed disability from 10% to 50%, plus average insurable annual earnings multiplied by 1.5 for each degree of assessed disability greater than 50%.</p>
<p>If the assessed degree of disability is 10% or more, the minimum earnings used to calculate benefits are 1.4&nbsp;times the legal monthly minimum wage.</p>
<p>The legal monthly minimum wage is 124,243&nbsp;ariary (nonagricultural sector); 126,000&nbsp;ariary (agricultural sector).</p>
<p>The partial disability pension is paid quarterly. If the assessed degree of disability is 75% or more, the pension can be paid monthly; if the assessed degree of disability is less than 10%, a lump sum of the average annual insured earnings multiplied by 0.5 for each degree of assessed disability is paid.</p>
<p>The partial and total disability pensions may be partially converted to a lump sum after receiving the pension for three years.</p>
<p>The insured may receive both the <span class="nobr">old-age</span> pension and the work injury permanent disability pension at the same time. The total amount received is 100% of the higher pension plus 25% of the lower pension.</p>
<p>Benefit adjustment: Benefits are adjusted according to increases in the legal minimum wage.</p>
<h3>Workers' Medical Benefits</h3>
<p>Benefits include medical and surgical care, hospitalization, medicine, appliances, transportation, and rehabilitation.</p>
<h3>Survivor Benefits</h3>
<p><span class="h4">Spouse's pension:</span> 30% of the deceased's monthly average earnings in the 12&nbsp;months before the disability began is paid to a <span class="nobr">widow(er).</span></p>
<p><span class="h4">Orphan's pension:</span> 15% of the deceased's monthly average earnings in the 12&nbsp;months before the disability began is paid for each of the first two orphans younger than age&nbsp;15 (age&nbsp;19 if an apprentice, age&nbsp;22 if a student or disabled) and 10% for each additional orphan; 20% for each full orphan.</p>
<p><span class="h4">Dependent parent's and grandparent's pension:</span> 10% of the deceased's average earnings is paid for each dependent parent or grandparent, up to 30%.</p>
<p>The minimum earnings used to calculate benefits are 1.4&nbsp;times the legal monthly minimum wage.</p>
<p>33.3% of earnings exceeding four times the legal monthly minimum wage are used to calculate benefits.</p>
<p>The maximum earnings used to calculate benefits are 16&nbsp;times the legal monthly minimum wage.</p>
<p>The legal monthly minimum wage is 124,243&nbsp;ariary (nonagricultural sector); 126,000&nbsp;ariary (agricultural sector).</p>
<p>All survivor benefits combined must not exceed 85% of the deceased's earnings used to calculate benefits.</p>
<p>Pensions are paid quarterly.</p>
<p><span class="h4">Funeral grant:</span> A lump sum of 20,000&nbsp;ariary is paid.</p>
<p>Benefit adjustment: Pensions are adjusted according to increases in the legal minimum wage.</p>
<h3>Administrative Organization</h3>
<p>Ministry of Civil Service, Labor, and Social Legislation (http://www.mfptls.gov.mg) provides general supervision.</p>
<p>National Social Insurance Fund (<a href="https://www.cnaps.mg">http://www.cnaps.mg</a>) administers the program.</p>
<h2>Family Allowances</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First law:</span> 1952.</p>
<p><span class="h4">Current laws:</span> 1963 (family benefits) and 1994 (social protection).</p>
<p><span class="h4">Type of program:</span> Employment-related system.</p>
<h3>Coverage</h3>
<p>Employed workers who are residents of Madagascar or France.</p>
<p>Unemployed workers are covered for up to six months under certain conditions.</p>
<p>Exclusions: Self-employed persons; farmers and casual agricultural workers working less than three months a year.</p>
<p>Special system for civil servants.</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> 2.25% of covered payroll; a flat rate of 692&nbsp;ariary a month for <span class="nobr">full-time</span> household workers.</p>
<p>The minimum earnings used to calculate contributions are the legal monthly minimum wage.</p>
<p>The maximum earnings used to calculate contributions are eight times the legal monthly minimum wage.</p>
<p>The legal monthly minimum wage is 124,243&nbsp;ariary (nonagricultural sector); 126,000&nbsp;ariary (agricultural sector).</p>
<p>The employer's contributions also finance maternity benefits under Sickness and Maternity.</p>
<p><span class="h4">Government:</span> None; contributes as an employer for public-sector employees who are not civil servants.</p>
<h3>Qualifying Conditions</h3>
<p><span class="h4">Family allowances:</span> The child must live in Madagascar or in France, be younger than age&nbsp;15 (age&nbsp;19 if an apprentice; age&nbsp;22 if a student, an unmarried daughter caring for children, or disabled). The parent must be a <span class="nobr">widow(er)</span> of a family allowance beneficiary, or have at least six consecutive months of insured employment with at least 20&nbsp;days or 134&nbsp;hours of work a month (nonagricultural sector), or at least six consecutive months of insured employment with at least 18&nbsp;days or 144&nbsp;hours of work a month (agricultural sector).</p>
<p><span class="h4">Prenatal allowance:</span> The insured woman must undergo prescribed medical examinations before childbirth.</p>
<p><span class="h4">Birth grant:</span> The insured woman must undergo prescribed medical examinations after childbirth.</p>
<h3>Family Allowance Benefits</h3>
<p><span class="h4">Family allowances:</span> 2,000&nbsp;ariary a month is paid for each child.</p>
<p><span class="h4">Prenatal allowance:</span> A lump sum of 18,000&nbsp;ariary is paid.</p>
<p><span class="h4">Birth grant:</span> 24,000&nbsp;ariary is paid in two equal parts for each live birth. The benefit is reduced by 50% if the mother did not undergo the prescribed medical examinations or report any medical examination to the National Social Insurance Fund within a month of the examination.</p>
<p>Some maternity and child health and welfare services are also provided.</p>
<p>Benefit adjustment: Benefits are adjusted periodically.</p>
<h3>Administrative Organization</h3>
<p>Ministry of Civil Service, Labor, and Social Legislation (http://www.mfptls.gov.mg) provides general supervision.</p>
<p>National Social Insurance Fund (<a href="https://www.cnaps.mg">http://www.cnaps.mg</a>) administers the program.</p>
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