ssa-gov/policy/docs/progdesc/ssptw/2014-2015/africa/zambia.html
2025-02-19 12:17:21 -08:00

203 lines
No EOL
23 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 - Zambia</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="eyd7g6aaiaaamjqacqdfqaaaabt3motq-f-12f6be5e4-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":11,"ak.ipv":6,"ak.proto":"h2","ak.rid":"c89930","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":"1739995760","ak.ak":"hOBiQwZUYzCg5VSAfCLimQ==8vhGSfoYYD0mzH37/UvPBBEFBS2ZAZ8/5bOI8RVeq2eOCD6Ng9S2fOeNLKIeiUrNM26SC5HTkuWxwu4zcH/9QiWWaVURe3UN2lAdjL0IxIb4mys9D+cx6JJCmuKcAPZA0AqH+AKS8ELbMc0UoZLBy2ydxOqDm4Qsm23ttsg44s7HlLA2mdmdF0m9ULrha583IPY8BtCVOV+1yjN3usxwZ/HygU7igioacMN15vuMfybAWrdhbspuXadu5EVO6bjPXtM5nev+fvHYU/5aZfKe/CxjjObRrDo3Ja936CyW4vv7ky3TqevskTivi5toNtVGdPN6I450p9OR/bb7cUvy+dR3cr3yX7Voqn0JlTA2ULo1VK4VHdZRKXQMiws82FB/K0+6UFDUv6u3gGzkKBHpG3G0a+f4SczJT7pOip6fDMs=","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> &gt; <span itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem"><a href="/policy/index.html" itemprop="item"><span itemprop="name">Research, Statistics &amp; Policy Analysis</span></a><meta itemprop="position" content="2" /></span> &gt; <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>Zambia</h1>
<div class="exchangeRate">Exchange rate: <abbr class="spell">US</abbr>$1.00&nbsp;= 6.38&nbsp;kwacha.</div>
<h2>Old Age, Disability, and Survivors</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First law:</span> 1966 (provident fund).</p>
<p><span class="h4">Current law:</span> 1996 (pension scheme), implemented in 2000.</p>
<p><span class="h4">Type of program:</span> Social insurance system.</p>
<h3>Coverage</h3>
<p>Employed persons, including agricultural workers, household workers in urban areas, apprentices, and all employees of the national public service and local authorities who began work on or after February&nbsp;1, 2000.</p>
<p>Voluntary coverage for self-employed persons and some categories of informal-sector workers who were previously covered for at least 60&nbsp;months.</p>
<p>Exclusions: Military personnel.</p>
<p>Special system for employees of the national public service and local authorities who began work before February&nbsp;1, 2000.</p>
<h3>Source of Funds</h3>
<p><span class="h4">Insured person:</span> 5% of gross earnings; 10% of gross earnings for the voluntarily insured.</p>
<p>The maximum monthly earnings used to calculate contributions are 1,339.29&nbsp;kwacha.</p>
<p><span class="h4">Self-employed person:</span> 10% of covered earnings for the voluntarily insured.</p>
<p>The maximum monthly earnings used to calculate contributions are 1,339.29&nbsp;kwacha.</p>
<p><span class="h4">Employer:</span> 5% of covered payroll.</p>
<p>The maximum monthly earnings used to calculate contributions are 1,339.29&nbsp;kwacha.</p>
<p><span class="h4">Government:</span> None; contributes as an employer.</p>
<h3>Qualifying Conditions</h3>
<p><span class="h4">Old-age pension:</span> Age&nbsp;55 with at least 180&nbsp;months of contributions.</p>
<p>Employment must cease.</p>
<p>Early pension: Age&nbsp;50 with at least 180&nbsp;months of contributions.</p>
<p>Employment must cease.</p>
<p><span class="h4">Retirement lump sum:</span> Age&nbsp;55 with less than 180&nbsp;months of contributions.</p>
<p>All <span class="nobr">old-age</span> benefits are payable abroad only under reciprocal agreement.</p>
<p><span class="h4">Disability pension:</span> Must be assessed with a permanent loss of working capacity as the result of a physical or mental disability and have at least 60&nbsp;months of contributions, including at least 12 in the 36&nbsp;months before the disability began.</p>
<p>A medical board appointed by the Minister of Labor and Social Security assesses the disability.</p>
<p><span class="h4">Disability lump sum:</span> Must be assessed with a physical or mental disability and younger than the pensionable age with less than 60&nbsp;months of contributions.</p>
<p>Benefits are payable abroad only under reciprocal agreement.</p>
<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 60&nbsp;months of contributions.</p>
<p>Eligible survivors include the spouse and children younger than age&nbsp;18 (age&nbsp;25 if a student, no limit if disabled).</p>
<p>A surviving spouse caring for one or more of the deceased's children is eligible for a pension until death or remarriage.</p>
<p><span class="h4">Survivors' lump sum:</span> The deceased received or was entitled to receive the <span class="nobr">old-age</span> or disability lump sum.</p>
<p><span class="h4">Funeral grant:</span> Paid if the deceased received or was entitled to receive an <span class="nobr">old-age</span> or disability pension, or had at least 12&nbsp;months of contributions in the 36&nbsp;months before death.</p>
<p>Benefits are payable abroad only under reciprocal agreement.</p>
<h3>Old-Age Benefits</h3>
<p><span class="h4">Old-age pension:</span> The insured's average adjusted monthly earnings multiplied by the number of months of contributions is paid.</p>
<p>The minimum monthly pension is 20% of national average monthly earnings.</p>
<p>The maximum monthly pension is 40% of the insured's average adjusted monthly earnings.</p>
<p>Early pension: A reduced pension of at least 20% of the national average monthly earnings is paid.</p>
<p>Benefit adjustment: Benefits are adjusted annually according to changes in national average earnings.</p>
<p><span class="h4">Retirement lump sum:</span> A lump sum of the total adjusted contributions from the insured and the employer plus accrued interest is paid.</p>
<h3>Permanent Disability Benefits</h3>
<p><span class="h4">Disability pension:</span> The insured's monthly calculated <span class="nobr">old-age</span> pension or the minimum pension (whichever is greater) is paid. The insured is credited with 1.5% of indexed monthly earnings for each year of work lost from the time the disability began until pensionable age.</p>
<p>The minimum monthly pension is 20% of national average monthly earnings.</p>
<p><span class="h4">Disability lump sum:</span> A lump sum of the total adjusted contributions from the insured and the employer plus accrued interest is paid.</p>
<h3>Survivor Benefits</h3>
<p><span class="h4">Survivor pension:</span> The <span class="nobr">old-age</span> or disability pension the deceased received or was entitled to receive at the time of death is paid; if the deceased was not of pensionable age at the time of death, the disability pension, calculated using the date of death as the date of onset of disability, is paid. If the surviving spouse is younger than age&nbsp;45 and does not have children with the deceased, a reduced pension is paid for two years.</p>
<p>If there is more than one eligible survivor, the pension is split according to a schedule in law.</p>
<p>The minimum monthly pension is 20% of national average monthly earnings.</p>
<p><span class="h4">Survivors' lump sum:</span> The <span class="nobr">old-age</span> or disability lump sum the deceased received or was entitled to receive is paid.</p>
<p><span class="h4">Funeral grant:</span> A lump sum of 10&nbsp;times the minimum pension is paid to the survivor; if there is no survivor, the grant is paid to the person who paid for the funeral.</p>
<h3>Administrative Organization</h3>
<p>Ministry of Labor and Social Security (<a href="https://www.mlss.gov.zm/">http://mlss.gov.zm</a>) provides general supervision.</p>
<p>National Pension Scheme Authority (<a href="https://www.napsa.co.zm/">http://www.napsa.co.zm</a>), managed by a tripartite board of trustees and a director general, administers the program through two regional offices and 23&nbsp;district offices.</p>
<h2>Sickness and Maternity</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First law:</span> 1973.</p>
<p><span class="h4">Current law:</span>&nbsp;1965 (labor code), and 1994 (health).</p>
<p><span class="h4">Type of program:</span> Social assistance (medical benefits) and employer-liability (maternity benefits) system.</p>
<h3>Coverage</h3>
<p><span class="h4">Cash sickness benefits:</span> No statutory benefits are provided.</p>
<p><span class="h4">Cash maternity benefits:</span> Private- and public-sector employees.</p>
<p>Exclusions: Apprentices, casual workers, police force and military personnel.</p>
<p><span class="h4">Medical benefits:</span> Resident citizens of Zambia.</p>
<h3>Source of Funds</h3>
<p><span class="h4">Insured person</span></p>
<p><span class="h5">Maternity benefits (employer liability):</span> None.</p>
<p><span class="h5">Medical benefits (social assistance):</span> None.&nbsp;</p>
<p><span class="h4">Self-employed person</span></p>
<p><span class="h5">Maternity benefits (employer liability):</span> Not applicable.</p>
<p><span class="h5">Medical benefits (social assistance):</span> None.</p>
<p><span class="h4">Employer</span></p>
<p><span class="h5">Maternity benefits (employer liability):</span> The total cost.</p>
<p><span class="h5">Medical benefits (social assistance):</span> None.</p>
<p><span class="h4">Government</span></p>
<p><span class="h5">Maternity benefits (employer liability):</span> None; contributes as an employer.</p>
<p><span class="h5">Medical benefits (social assistance):</span> Subsidizes medical benefits.</p>
<h3>Qualifying Conditions</h3>
<p><span class="h4">Cash sickness benefits:</span> No statutory benefits are provided.</p>
<p><span class="h4">Cash maternity benefits (employer liability):</span> Must have at least two years of employment with the same employer. Must provide a medical certificate from a registered medical practitioner.</p>
<p><span class="h4">Medical benefits (social assistance):</span> Must be a resident citizen of Zambia.</p>
<h3>Sickness and Maternity Benefits</h3>
<p><span class="h4">Sickness benefit:</span> No statutory benefits are provided.</p>
<p><span class="h4">Maternity benefit (employer liability):</span> 100% of salary is paid for 12&nbsp;weeks.</p>
<h3>Workers' Medical Benefits</h3>
<p><span class="h4">Medical benefits:</span> Medical care is available in government hospitals, clinics, and rural health centers at low cost. Selected medical institutions require the payment of fees for medical services.</p>
<h3>Dependents' Medical Benefits</h3>
<p>Medical benefits for dependents are the same as those for the insured.</p>
<h3>Administrative Organization</h3>
<p>The Ministry of Labor and Social Security (<a href="https://www.mlss.gov.zm/">http://mlss.gov.zm</a>) provides general supervision for cash maternity benefits.</p>
<p>The Ministry of Health (http://www.moh.gov.zm) provides general supervision for medical benefits.</p>
<h2>Work Injury</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First laws:</span>&nbsp;1929 (employer liability), 1950 (pneumoconiosis act), and 1963 (compulsory insurance).</p>
<p><span class="h4">Current law:</span> 1994 (workers' compensation).</p>
<p><span class="h4">Type of program:</span> Employer-liability system through a public carrier.</p>
<h3>Coverage</h3>
<p>Employed persons, including casual workers, household workers, and apprentices; self-employed persons; and public-sector employees not covered under the special system for public-sector employees.</p>
<p>Special system for public-sector employees.</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> The total cost; contribution amounts vary according to the assessed degree of risk.</p>
<p><span class="h4">Government:</span> None; contributes as an employer.</p>
<h3>Qualifying Conditions</h3>
<p><span class="h4">Work injury benefits:</span> There is no minimum qualifying period. Must provide medical certification.</p>
<h3>Temporary Disability Benefits</h3>
<p><span class="h4">Temporary disability benefits:</span> 50% of monthly covered earnings is paid for up to 24&nbsp;months.</p>
<p>The maximum monthly earnings used to calculate benefits are 800.00&nbsp;kwacha.</p>
<p>The minimum and maximum benefits vary according to the assessed degree of disability.</p>
<p>A government institution or private clinic assesses the degree of disability.</p>
<p>Benefits are paid monthly.</p>
<p>Benefit adjustment: Benefits are adjusted periodically according to changes in the cost of living</p>
<h3>Permanent Disability Benefits</h3>
<p><span class="h4">Permanent disability pension:</span> If the insured is assessed with a total (100%) disability, 50% of covered monthly earnings when the disability began is paid.</p>
<p>The maximum monthly earnings used to calculate benefits are 800.00&nbsp;kwacha.</p>
<p>Constant-attendance allowance: Paid if the insured is assessed with a total disability and requires the constant attendance of others to perform daily functions.</p>
<p>Partial disability: If the insured is assessed with more than a 10% degree of disability, 50% of covered monthly earnings when the disability began multiplied by the assessed degree of disability is paid. For 10% or less a lump sum is paid.</p>
<p>A government institution or private clinic assesses the degree of disability. A review of the assessed degree of disability resulting from occupational diseases is conducted annually. A review of the assessed degree of disability resulting from a work injury is possible if the worker's medical condition changes.</p>
<p>Benefits are paid monthly.</p>
<p>Benefit adjustment: Benefits are adjusted periodically according to changes in the cost of living.</p>
<h3>Workers' Medical Benefits</h3>
<p>The Workers' Compensation Fund Control Board refunds all employer expenses incurred as a result of hospitalization, and the treatment of occupational accidents and diseases at public and private health institutions.</p>
<h3>Survivor Benefits</h3>
<p><span class="h4">Spouse's pension:</span> 80% of the disability pension the deceased received or was entitled to receive is paid monthly to a <span class="nobr">widow(er).</span></p>
<p>Remarriage settlement: The spouse's pension ceases on remarriage and a lump sum of 24&nbsp;months of the pension is paid.</p>
<p><span class="h4">Orphan's pension:</span> 15% of the disability pension the deceased received or was entitled to receive is paid for the first orphan (30% for a full orphan) and 5% for each additional orphan (10% for each additional full orphan) younger than age&nbsp;18, up to eight.</p>
<p><span class="h4">Other eligible survivors:</span> If there is no surviving <span class="nobr">widow(er)</span> or child, an amount is paid to other eligible dependent survivors according to their degree of dependence on the deceased.</p>
<p>Benefits Adjustment: Benefits are adjusted periodically.</p>
<p><span class="h4">Funeral Grant:</span> Funeral expenses are paid for workers who die while working.</p>
<h3>Administrative Organization</h3>
<p>Ministry of Labor and Social Security (<a href="https://www.mlss.gov.zm/">http://mlss.gov.zm</a>) provides general supervision.</p>
<p>Workers' Compensation Fund Control Board (http://www.workers.com.zm), managed by a board and a commissioner, administers contributions and benefits.</p>
</div>
</div>
</article>
<nav>
<div class="docNav"><a class="previous" href="uganda.html">Previous: Uganda</a>&nbsp;<a class="toTop" href="#hLogo">Top of page</a>&nbsp;<a class="toTOC" href="index.html#fileList">Table of contents</a>&nbsp;<a class="next" href="zimbabwe.html">Next: Zimbabwe</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>