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<title>Social Security Programs Throughout the World: Africa, 2017 - Senegal</title>
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<h1>Social Security Programs Throughout the World: Africa, 2017</h1>
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<h1>Senegal</h1>
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<div class="exchangeRate">Exchange rate: <abbr class="spell">US</abbr>$1.00 = 625.14 CFA francs.</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 and current law:</span> 1975 (compulsory insurance).</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><span class="h4">General scheme:</span> Private-sector employees and government employees who are not civil servants; household, seasonal, casual, and daily workers.</p>
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<p>Voluntary coverage for previously covered persons aged 40 or older with at least five years of contributions.</p>
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<p>Exclusions: Self-employed persons.</p>
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<p>Special system for civil servants.</p>
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<p><span class="h4">Complementary scheme:</span> White-collar workers.</p>
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<p>Voluntary coverage for previously covered persons aged 40 or older with at least five years of contributions.</p>
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<p>Exclusions: Self-employed persons.</p>
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<p>Special system for civil servants.</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">General scheme:</span> 5.6% of covered monthly earnings.</p>
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<p>The minimum monthly earnings used to calculate contributions are the legal monthly minimum wage.</p>
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<p>The legal monthly minimum wage is 36,243 CFA francs.</p>
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<p>The maximum monthly earnings used to calculate contributions are 360,000 CFA francs.</p>
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<p><span class="h5">Complementary scheme:</span> 2.4% of covered monthly earnings.</p>
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<p>The minimum monthly earnings used to calculate contributions are 360,000 CFA francs.</p>
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<p>The maximum monthly earnings used to calculate contributions are 1,080,000 CFA francs.</p>
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<p><span class="h4">Self-employed person</span></p>
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<p><span class="h5">General scheme:</span> Not applicable.</p>
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<p><span class="h5">Complementary scheme:</span> Not applicable.</p>
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<p><span class="h4">Employer</span></p>
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<p><span class="h5">General scheme:</span> 8.4% of covered monthly payroll.</p>
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<p>The minimum monthly earnings used to calculate contributions are the legal monthly minimum wage.</p>
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<p>The legal monthly minimum wage is 36,243 CFA francs.</p>
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<p>The maximum monthly earnings used to calculate contributions are 360,000 CFA francs.</p>
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<p>Employers with 20 or more employees pay contributions monthly; employers with 19 or fewer employees pay quarterly.</p>
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<p><span class="h5">Complementary scheme:</span> 3.6% of covered monthly payroll.</p>
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<p>The minimum monthly earnings used to calculate contributions are 360,000 CFA francs.</p>
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<p>The maximum monthly earnings used to calculate contributions are 1,080,000 CFA francs.</p>
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<p><span class="h4">Government</span></p>
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<p><span class="h5">General and complementary schemes:</span> None; contributes as an employer for government employees who are not civil servants.</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Old-age pension (general scheme):</span> Aged 55 to 60 (age 55 for arduous work) depending on the type of employment at retirement, and has at least 400 points.</p>
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<p>The number of points awarded for contributions each year is based on the value of total contributions divided by the reference salary. The reference salary is set annually by the Social Insurance Institute for <span class="nobr">Old-Age</span> Pensions.</p>
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<p>Partial pension: Aged 55 to 60 (age 55 for arduous work) depending on the type of employment at retirement, and has less than 400 points.</p>
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<p>Employment must cease.</p>
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<p>Child's supplement: Paid for each dependent child younger than age 21, up to three children.</p>
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<p>Early pension: Age 53.</p>
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<p><span class="h4">Old-age pension (complementary scheme):</span> Age 55 with at least 400 points.</p>
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<p>The number of points awarded for contributions each year is based on the value of total contributions divided by the reference salary. The reference salary is set annually by the Social Insurance Institute for <span class="nobr">Old-Age</span> Pensions.</p>
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<p>Partial pension: Age 55 with less than 400 points.</p>
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<p>Employment must cease. (The insured may continue to work up to age 60 without accumulating additional points.)</p>
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<p>Child's supplement: Paid for each dependent child younger than age 21, up to three children.</p>
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<p>Early pension: Age 53.</p>
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<p><span class="h4">Disability pension (general and complementary schemes):</span> Age 53 and assessed as disabled.</p>
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<p><span class="h4">Survivor pension (general and complementary schemes):</span> The deceased received or was entitled to receive an <span class="nobr">old-age</span> or disability pension.</p>
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<p>Eligible survivors include a widow aged 45 or older (at any age if caring for two dependent children younger than age 21); a widower aged 55 or older (at any age if disabled, or aged 53 or older if caring for a person with a disability who is unable to work); an orphan younger than age 21 if his or her guardian is ineligible for a pension. The <span class="nobr">widow(er)</span> must have been married to the deceased for at least two years before the death.</p>
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<h3>Old-Age Benefits</h3>
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<p><span class="h4">Old-age pension (general scheme and complementary scheme):</span> The pension is the insured's number of points multiplied by the value of a point at the time of retirement.</p>
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<p>The number of points is the sum of points awarded: for contributions, free points (for certain periods of incapacity, work injury, and maternity leave), and for dependent children.</p>
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<p>The number of points awarded for contributions each year is based on the value of total contributions divided by the reference salary. The reference salary is set annually by the Social Insurance Institute for <span class="nobr">Old-Age</span> Pensions.</p>
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<p>Partial pension: A lump sum of the insured's number of points multiplied by the reference salary for the previous year is paid.</p>
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<p>The value of a point is adjusted annually by the Social Insurance Institute for <span class="nobr">Old-Age</span> Pensions.</p>
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<p>Child's supplement: The pension is increased by 5% for each eligible child, up to three children.</p>
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<p>Early pension: The <span class="nobr">old-age</span> pension is reduced by 5% for each year (general scheme) or 1% for each quarter (complementary scheme) the pension is claimed before the normal retirement age.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Disability pension (general and complementary schemes):</span> The full <span class="nobr">old-age</span> pension is paid.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Survivor pension (general and complementary schemes)</span></p>
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<p><span class="h5">Spouse's pension:</span> 50% of the <span class="nobr">old-age</span> or disability pension the deceased received or was entitled to receive is paid to the <span class="nobr">widow(er).</span> The pension paid to a widow aged 45 to 49 with no dependent children is reduced by 5% for each year she is younger than age 50. If there is more than one widow, the pension is split equally.</p>
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<p><span class="h5">Orphan's pension:</span> 20% of the <span class="nobr">old-age</span> or disability pension the deceased received or was entitled to receive is paid for each eligible orphan.</p>
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<p>The maximum combined orphans' pensions is 50% of the <span class="nobr">old-age</span> or disability pension the deceased received or was entitled to receive if a spouse's pension is also paid (100% for full orphans).</p>
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<h3>Administrative Organization</h3>
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<p>Ministry of Public Function, Labor, Employment, and Professional Organizations (http://www.fonctionpublique.gouv.sn/) provides general supervision.</p>
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<p>Social Insurance Institute for <span class="nobr">Old-Age</span> Pensions (http://www.ipres.sn/), managed by a bipartite employer and employee board, administers the programs.</p>
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<h2>Sickness and Maternity</h2>
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<h3>Regulatory Framework</h3>
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<p><span class="h4">First laws:</span> 1952 (cash maternity benefits) and 1975 (medical benefits).</p>
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<p><span class="h4">Current laws:</span> 1973 (cash maternity benefits); 1975 (medical benefits); 1991 (administration); 2003 (community-based health insurance), implemented in 2009; and 2008 (medical assistance for the elderly).</p>
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<p><span class="h4">Type of program:</span> Social insurance (cash maternity and medical benefits), social assistance (medical benefits), and community-based social insurance (medical benefits) system.</p>
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<h3>Coverage</h3>
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<p><span class="h4">Social insurance (cash maternity benefits):</span> Employed women and nonemployed women married to an insured man.</p>
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<p>Special system for civil servants and military personnel.</p>
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<p><span class="h4">Social insurance (medical benefits):</span> Employed persons, including apprentices, seasonal workers, and temporary workers who work at least three months a year for the same company.</p>
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<p>Exclusions: Self-employed persons.</p>
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<p>Special system for pensioners.</p>
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<p><span class="h4">Social assistance (medical benefits):</span> Citizens of Senegal aged 60 or older.</p>
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<p><span class="h4">Community-based social insurance (medical benefits):</span> Residents of Senegal aged 18 or older.</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> Up to 7.5% of gross monthly earnings for medical benefits (rates vary according to the health insurance institution).</p>
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<p>The minimum monthly earnings used to calculate contributions are 60,000 CFA francs.</p>
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<p>The maximum monthly earnings used to calculate contributions are 250,000 CFA francs.</p>
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<p>See Family Allowances for cash maternity benefits.</p>
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<p><span class="h5">Social assistance:</span> None.</p>
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<p><span class="h5">Community-based social insurance:</span> 3,500 CFA francs a person per year; none for certain vulnerable groups.</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> Not applicable.</p>
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<p><span class="h5">Social assistance:</span> None.</p>
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<p><span class="h5">Community-based social insurance:</span> 3,500 CFA francs a person per year; none for certain vulnerable groups.</p>
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<p><span class="h4">Employer</span></p>
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<p><span class="h5">Social insurance:</span> Up to 7.5% of gross monthly payroll for medical benefits (rates vary according to the health insurance institution).</p>
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<p>The minimum monthly earnings used to calculate contributions are 60,000 CFA francs.</p>
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<p>The maximum monthly earnings used to calculate contributions are 250,000 CFA francs.</p>
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<p>See Family Allowances for cash maternity benefits.</p>
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<p><span class="h5">Social assistance:</span> None.</p>
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<p><span class="h5">Community-based social insurance:</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; contributes as an employer for government employees who are not civil servants.</p>
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<p><span class="h5">Social assistance:</span> The total cost.</p>
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<p><span class="h5">Community-based social insurance:</span> 3,500 CFA francs a person per year; the total cost for certain vulnerable groups.</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Cash sickness benefits:</span> No social insurance benefits are provided. (Paid sick leave is governed by collective agreements.)</p>
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<p><span class="h4">Cash maternity benefits (social insurance):</span> Must have worked at least 18 days or 120 hours a month for at least three consecutive months. A medical certificate is required.</p>
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<p>Benefits are payable abroad under reciprocal agreement.</p>
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<p><span class="h4">Prenatal allowance (social insurance):</span> See Family Allowances.</p>
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<p><span class="h4">Maternity allowance (social insurance):</span> See Family Allowances.</p>
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<p><span class="h4">Medical benefits (social insurance):</span> Must have at least two months of contributions.</p>
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<p><span class="h4">Medical benefits (social assistance):</span> There is no minimum qualifying period.</p>
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<p><span class="h4">Medical benefits (community-based social insurance):</span> Must not have outstanding contributions.</p>
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<h3>Sickness and Maternity Benefits</h3>
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<p><span class="h4">Sickness benefit:</span> No social insurance benefits are provided. (Paid sick leave is governed by collective agreements.)</p>
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<p><span class="h4">Maternity benefit (social insurance):</span> 100% of the insured's last daily earnings is paid for six weeks before and eight weeks after the expected date of childbirth; may be extended by three weeks if there are complications arising from pregnancy or childbirth.</p>
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<p>The benefit is paid in three installments.</p>
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<p><span class="h4">Prenatal allowance (social insurance):</span> See Family Allowances.</p>
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<p><span class="h4">Maternity allowance (social insurance):</span> See Family Allowances.</p>
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<h3>Workers' Medical Benefits</h3>
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<p><span class="h4">Medical benefits (social insurance):</span> Benefits include partial cost sharing for health care, including hospitalization, approved medicine, and doctor's visits. There is no limit to duration.</p>
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<p>Cost sharing: 50% to 80% of the costs, according to the availability of funds.</p>
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<p>The Social Insurance Institute for <span class="nobr">Old-Age</span> Pensions also provides medical benefits directly to <span class="nobr">old-age</span> and survivor pensioners.</p>
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<p><span class="h4">Medical benefits (social assistance):</span> Free medical treatment is provided in public hospitals (except for certain services).</p>
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<p><span class="h4">Medical benefits (community-based social insurance):</span> Benefits include partial cost sharing for the cost of preventative, curative, and specialized care, hospitalization, delivery, medicine, examinations, and evacuations.</p>
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<p>Cost sharing: 50% to 80% of the costs.</p>
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<h3>Dependents' Medical Benefits</h3>
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<p><span class="h4">Medical benefits (social insurance):</span> Medical benefits for dependents are the same as those for the insured. Eligible dependents include the spouse and dependent children older than age 2 but younger than age 15 (age 18 if an apprentice, age 21 if a student or disabled).</p>
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<p><span class="h4">Medical benefits (social assistance):</span> Information is not available.</p>
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<p>Free medical treatment is provided in public hospitals for children younger than age 5.</p>
|
|
<p><span class="h4">Medical benefits (community-based social insurance):</span> Medical benefits for dependents are the same as those for the insured.</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p>Ministry of Public Function, Labor, Employment, and Professional Organizations (http://www.fonctionpublique.gouv.sn/) provides general supervision of the social insurance program.</p>
|
|
<p>Social Security Fund (http://www.secusociale.sn/) administers the maternity benefit program.</p>
|
|
<p>Ministry of Health and Social Action (http://www.sante.gouv.sn/) provides general supervision of medical benefits.</p>
|
|
<p>Universal Health Coverage Agency (http://www.agencecmu.sn/) coordinates universal health coverage through the social assistance and community-based social insurance programs.</p>
|
|
<p>Individual health insurance institutions administer the social insurance medical benefits program. Companies with more than 300 employees must establish enterprise medical benefits; smaller firms may group together to join a specific health insurance institution.</p>
|
|
<h2>Work Injury</h2>
|
|
<h3>Regulatory Framework</h3>
|
|
<p><span class="h4">First law:</span> 1932.</p>
|
|
<p><span class="h4">Current laws:</span> 1973 (social security) and 1991 (administration).</p>
|
|
<p><span class="h4">Type of program:</span> Social insurance system.</p>
|
|
<h3>Coverage</h3>
|
|
<p>Employed persons, including seamen; certain students; certain company managers; temporary, casual, and daily workers; and certain categories of self-employed persons.</p>
|
|
<p>Voluntary coverage for certain categories of self-employed persons without mandatory coverage, including farmers.</p>
|
|
<h3>Source of Funds</h3>
|
|
<p><span class="h4">Insured person:</span> None.</p>
|
|
<p><span class="h4">Self-employed person:</span> 1%, 3%, or 5% of covered payroll, according to the assessed degree of risk.</p>
|
|
<p>The minimum annual earnings used to calculate contributions are 439,916 CFA francs.</p>
|
|
<p>The maximum annual earnings used to calculate contributions are 756,000 CFA francs.</p>
|
|
<p><span class="h4">Employer:</span> 1%, 3%, or 5% of covered payroll, according to the assessed degree of risk.</p>
|
|
<p>The minimum monthly earnings used to calculate contributions are the legal monthly minimum wage.</p>
|
|
<p>The legal monthly minimum wage is 36,243 CFA francs.</p>
|
|
<p>The maximum annual earnings used to calculate contributions are 756,000 CFA francs.</p>
|
|
<p><span class="h4">Government:</span> None; contributes as an employer for government employees who are not civil servants.</p>
|
|
<h3>Qualifying Conditions</h3>
|
|
<p>There is no minimum qualifying period. Accidents that occur while commuting to and from work are covered.</p>
|
|
<h3>Temporary Disability Benefits</h3>
|
|
<p>50% of the insured's daily earnings in the 30 days before the disability began is paid for the first 28 days; thereafter, 66.7% until full recovery or certification of permanent disability. The benefit is paid to the employer when the insured is receiving the full salary.</p>
|
|
<p>The minimum monthly earnings used to calculate benefits are the legal monthly minimum wage.</p>
|
|
<p>The legal monthly minimum wage is 36,243 CFA francs.</p>
|
|
<p>The maximum daily earnings used to calculate benefits are 1% of the maximum annual earnings used to calculate contributions.</p>
|
|
<p>The maximum annual earnings used to calculate contributions are 756,000 CFA francs.</p>
|
|
<p>Benefit adjustment: Benefits are adjusted periodically according to company-based agreements.</p>
|
|
<h3>Permanent Disability Benefits</h3>
|
|
<p>The pension is the insured's average monthly earnings over the previous 12 months multiplied by 0.5% for each degree of assessed disability from 10% to 50%, plus the insured's average monthly earnings multiplied by 1.5% for each degree of assessed disability greater than 50%.</p>
|
|
<p>The pension is paid monthly for a total disability; otherwise quarterly (may be paid monthly for an assessed degree of disability of at least 75%).</p>
|
|
<p>The pension is payable abroad under reciprocal agreement.</p>
|
|
<p>The partial disability pension may be paid partially as a lump sum after five to seven years for an assessed degree of disability of greater than 10%. For an assessed degree of disability of up to 10%, a lump sum is paid.</p>
|
|
<p>The minimum annual earnings used to calculate benefits are 1,130,290 CFA francs (2011).</p>
|
|
<p>The maximum annual earnings used to calculate benefits are 3,805,696 CFA francs (2011).</p>
|
|
<p>Social Security Fund doctors assess the disability, based on recommendations of the insured's doctor. The insured may be required to undergo medical examinations every two years.</p>
|
|
<p>Constant-attendance supplement: If the insured is assessed with a 100% (total) degree of disability and requires the constant attendance of others to perform daily functions, 40% of the insured's permanent disability pension is paid.</p>
|
|
<p>The minimum annual supplement is 70% of the minimum annual earnings used to calculate benefits.</p>
|
|
<p>Benefit adjustment: Benefits are adjusted according to changes in the cost of living and wages, depending on the financial resources of the system.</p>
|
|
<h3>Workers' Medical Benefits</h3>
|
|
<p>Benefits include medical and surgical expenses, hospitalization, medicine, appliances, rehabilitation, and transportation. There is no limit to duration.</p>
|
|
<h3>Survivor Benefits</h3>
|
|
<p><span class="h4">Survivor pension</span></p>
|
|
<p><span class="h5">Spouse's pension:</span> 30% of the deceased's average monthly earnings in the 12 months before the work injury occurred is paid to the <span class="nobr">widow(er).</span> If there is more than one widow, the pension is split equally. The pension is paid monthly or quarterly.</p>
|
|
<p>The <span class="nobr">widow(er)'s</span> pension ceases upon remarriage if there are no dependent children.</p>
|
|
<p>Remarriage allowance: A lump sum of three times the annual survivor pension is paid.</p>
|
|
<p><span class="h5">Orphan's pension:</span> 15% of the deceased's average monthly earnings in the 12 months before the work injury occurred is paid for one orphan, 30% for two orphans, 40% for three orphans, and 10% for each additional orphan. Eligible orphans are younger than age 15 (age 18 if an apprentice, age 21 if a student or disabled).</p>
|
|
<p><span class="h5">Dependent parent's and grandparent's pension:</span> 10% of the deceased's average monthly earnings in the 12 months before the work injury occurred is paid to each dependent parent and grandparent, up to 30%.</p>
|
|
<p>The maximum combined survivor benefit is 85% of the deceased's average monthly earnings in the 12 months before the work injury occurred.</p>
|
|
<p>The minimum annual earnings used to calculate benefits are 1,130,290 CFA francs.</p>
|
|
<p><span class="h4">Funeral grant:</span> A lump sum of 4.17% of the minimum annual earnings used to calculate benefits is paid.</p>
|
|
<p>The minimum annual earnings used to calculate benefits are 1,130,290 CFA francs.</p>
|
|
<p>Benefit adjustment: Benefits are adjusted according to changes in the cost of living and wages, depending on the financial resources of the system.</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p>Ministry of Public Function, Labor, Employment, and Professional Organizations (http://www.fonctionpublique.gouv.sn/) provides general supervision.</p>
|
|
<p>Social Security Fund (http://www.secusociale.sn/) collects contributions and administers benefits.</p>
|
|
<h2>Family Allowances</h2>
|
|
<h3>Regulatory Framework</h3>
|
|
<p><span class="h4">First law:</span> 1955.</p>
|
|
<p><span class="h4">Current laws:</span> 1973 (social security) and 1991 (administration).</p>
|
|
<p><span class="h4">Type of program:</span> Social insurance system.</p>
|
|
<h3>Coverage</h3>
|
|
<p>Salaried employees, including seamen, government employees who are not civil servants, and certain social insurance beneficiaries. Unemployed persons are covered for up to six months after leaving covered employment.</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> 7% of covered payroll.</p>
|
|
<p>The minimum monthly earnings used to calculate benefits are the legal monthly minimum wage.</p>
|
|
<p>The legal monthly minimum wage is 36,243 CFA francs.</p>
|
|
<p>The maximum monthly earnings used to calculate contributions are 63,000 CFA francs.</p>
|
|
<p>Employers with 10 or more employees pay contributions monthly; employers with nine or fewer employees pay quarterly.</p>
|
|
<p>The employer's contributions also finance cash maternity benefits under Sickness and Maternity.</p>
|
|
<p><span class="h4">Government:</span> None; contributes as an employer for government employees who are not civil servants.</p>
|
|
<h3>Qualifying Conditions</h3>
|
|
<p><span class="h4">Family allowances:</span> Paid for children older than age 2 but younger than age 14 (age 18 if an apprentice, age 21 if a student or disabled). Allowances are paid for up to six children. The parent must have worked at least 18 days or 120 hours a month for at least three consecutive months.</p>
|
|
<p><span class="h4">Prenatal allowance:</span> Paid to an insured woman or to the spouse of an insured man during pregnancy, with no limit on the number of children. The expectant mother must undergo prescribed medical examinations at the third, sixth, and eighth months of pregnancy.</p>
|
|
<p><span class="h4">Maternity allowance:</span> Paid to an insured woman or to the spouse of an insured man until the child is age 2. The mother and child must undergo prescribed medical examinations.</p>
|
|
<p>Benefits are payable abroad under reciprocal agreement.</p>
|
|
<h3>Family Allowance Benefits</h3>
|
|
<p><span class="h4">Family allowances:</span> 2,600 CFA francs a month is paid quarterly for each eligible child.</p>
|
|
<p><span class="h4">Prenatal allowance:</span> 2,600 CFA francs a month is paid during pregnancy. The benefit is paid in three installments.</p>
|
|
<p><span class="h4">Maternity allowance:</span> 2,600 CFA francs a month is paid from the date of childbirth up to the child's second birthday. The benefit is paid in five installments.</p>
|
|
<p>Benefits are paid for six months to insured persons, who are involuntary unemployed, and with no limit to widows of family allowance beneficiaries or work injury permanent disability pensioners.</p>
|
|
<p>Benefit adjustment: Benefits are adjusted depending on the financial resources of the system.</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p>Ministry of Public Function, Labor, Employment, and Professional Organizations (http://www.fonctionpublique.gouv.sn/) provides general supervision.</p>
|
|
<p>Social Security Fund (http://www.secusociale.sn/) administers the program.</p>
|
|
</div>
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</article>
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</article>
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