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<h1>Social Security Programs Throughout the World: The Americas, 2017</h1>
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<h1>Barbados</h1>
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<div class="exchangeRate">Exchange rate: <abbr class="spell">US</abbr>$1.00 = 2.02 Barbadian dollars (B$).</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> 1937 (social assistance).</p>
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<p><span class="h4">Current laws:</span> 1966 (social insurance) and 2007 (catastrophe fund).</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> Employed and self-employed persons, including public-sector employees.</p>
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<p>Exclusions: Unpaid family labor.</p>
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<p>Voluntary coverage is available.</p>
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<p><span class="h4">Social assistance:</span> Residents of Barbados.</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> 6.75% of covered earnings (6.2% for permanent government employees; 5.93% for foreign service help; 8.3% for the voluntarily insured) plus 0.1% for the catastrophe fund.</p>
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<p>The minimum weekly earnings used to calculate contributions are B$21; the minimum monthly earnings are B$91.</p>
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<p>The maximum weekly earnings used to calculate contributions are B$1,073; the maximum monthly earnings are B$4,650.</p>
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<p>The insured's contributions also finance sickness and maternity benefits.</p>
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<p>The catastrophe fund provides financial aid to low-income earners whose house is damaged or destroyed by a catastrophe.</p>
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<p><span class="h5">Social assistance:</span> 2% of covered earnings.</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> 13.5% of quarterly covered earnings plus 0.1% for the catastrophe fund.</p>
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<p>The minimum annual earnings used to calculate contributions are B$1,092.</p>
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<p>The maximum annual earnings used to calculate contributions are B$55,796.</p>
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<p>The self-employed person's contributions also finance sickness and maternity benefits.</p>
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<p>The catastrophe fund provides financial aid to low-income earners whose house is damaged or destroyed by a catastrophe.</p>
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<p><span class="h5">Social assistance:</span> 2% of quarterly covered earnings.</p>
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<p><span class="h4">Employer</span></p>
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<p><span class="h5">Social insurance:</span> 6.75% of covered earnings (6.2% for permanent government employees; 5.93% for foreign service help) of covered payroll.</p>
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<p>The minimum weekly earnings used to calculate contributions are B$21; the minimum monthly earnings are B$91.</p>
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<p>The maximum weekly earnings used to calculate contributions are B$1,073; the maximum monthly earnings are B$4,650.</p>
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<p>The employer's contributions also finance sickness and maternity benefits.</p>
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<p><span class="h5">Social assistance:</span> 2% of covered payroll.</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.</p>
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<p><span class="h5">Social assistance:</span> Any deficit.</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Old-age pension (social insurance):</span> Age 66 and 6 months (rising to age 67 in 2018) with at least 500 weeks of paid or credited contributions, including at least 150 weeks of paid contributions.</p>
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<p>Contributions are credited for each complete contributory week the insured received sickness, maternity, and work injury benefits, and during the three-day waiting period for sickness benefits if the related claim periods last at least two weeks.</p>
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<p>Early pension: Age 60 and no longer employed or self-employed.</p>
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<p>Deferred pension: The pension may be deferred until age 70.</p>
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<p><span class="h4">Old-age grant (social insurance):</span> Age 66 and 6 months (rising to age 67 in 2018) with at least 50 weeks but less than 500 weeks of paid or credited contributions.</p>
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<p>Contributions are credited for each complete contributory week the insured received sickness, maternity, and work injury benefits, and during the three-day waiting period for sickness benefits if the related claim periods last at least two weeks.</p>
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<p>Social insurance <span class="nobr">old-age</span> benefits are payable abroad.</p>
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<p><span class="h4">Noncontributory <span class="nobr">old-age</span> pension (social assistance):</span> Age 66 and 6 months (rising to age 67 in 2018), a resident of Barbados for 12 years (citizens) or 15 years (permanent residents) since age 40 or a total of 20 years since age 18, and does not meet the contribution requirements for the social insurance <span class="nobr">old-age</span> pension or an <span class="nobr">old-age</span> pension from a foreign government or international organization.</p>
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<p><span class="h4">Disability pension (social insurance):</span> Must be younger than normal retirement age, be incapable of any work, and have at least 150 weeks of paid contributions.</p>
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<p><span class="h4">Disability grant (social insurance):</span> Must be younger than normal retirement age, be incapable of any work, and have at least 50 weeks of paid or credited contributions but less than 150 weeks of paid contributions.</p>
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<p>Contributions are credited for each complete contributory week the insured received sickness, maternity, and work injury benefits, and during the three-day waiting period for sickness benefits if the related claim periods last at least two weeks.</p>
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<p>Disability benefits are not payable abroad.</p>
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<p><span class="h4">Noncontributory disability pension (social assistance, income tested):</span> Must be aged 18 or older; be assessed with an incapacity for work as the result of a serious problem with eyesight, or hearing and speech; and have weekly earnings up to B$30.</p>
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<p><span class="h4">Survivor pension (social insurance):</span> The deceased received or was entitled to receive a social insurance <span class="nobr">old-age</span> or disability pension at the time of death.</p>
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<p>Eligible survivors include a <span class="nobr">widow(er)</span> and children up to age 16 (age 25 if a student; no limit if disabled) who were living with or totally dependent on the deceased.</p>
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<p>The <span class="nobr">widow(er)'s</span> pension ceases upon remarriage or cohabitation.</p>
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<p><span class="h4">Funeral grant (social insurance):</span> The deceased or his or her spouse received or was entitled to receive social insurance <span class="nobr">old-age,</span> disability, sickness, maternity, or unemployment benefits.</p>
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<p>Survivor benefits are payable abroad.</p>
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<h3>Old-Age Benefits</h3>
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<p><span class="h4">Old-age pension (social insurance):</span> For insured persons aged 56 or older on December 31, 2002, 40% of average annual earnings plus 1% of total covered earnings for contributions exceeding 500 weeks is paid.</p>
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<p>For insured persons younger than age 47 on December 31, 2002, 2% of average annual earnings for the first 20 years of contributions plus 1.25% of average annual earnings for each year exceeding 20 years is paid.</p>
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<p>For insured persons aged 47 to 55 on December 31, 2002, 50% of the pension is based on the first method of calculation and 50% on the second.</p>
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<p>Average annual earnings are based on the insured's covered earnings in the best five years of contributions; if the number of years worked is less than 15 years, the average is based on the insured's total covered earnings.</p>
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<p>The maximum weekly earnings used to calculate benefits are B$1,073; the maximum monthly earnings used to calculate benefits are B$4,650.</p>
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<p>The minimum weekly pension is B$190.</p>
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<p>The maximum weekly pension is 60% of average covered earnings, up to B$647.90.</p>
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<p>Benefit adjustment: Benefits are adjusted annually according to changes in the cost of living.</p>
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<p><span class="h4">Old-age grant (social insurance):</span> A lump sum of six weeks of average annual earnings is paid for each <span class="nobr">50-week</span> period of paid or credited contributions.</p>
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<p>Average annual earnings are based on the insured's covered earnings in the best five years of contributions; if the number of years worked is less than 15 years, the average is based on the insured's total covered earnings.</p>
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<p><span class="h4">Noncontributory <span class="nobr">old-age</span> pension (social assistance):</span> B$155 a week is paid.</p>
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<p>Benefit adjustment: Benefits are adjusted annually according to changes in the cost of living.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Disability pension (social insurance):</span> 40% of the insured's average annual earnings plus 1% of total covered earnings for contributions exceeding 500 weeks is paid.</p>
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<p>Average annual earnings are based on the insured's covered earnings in the best three years of contributions; if the number of years worked is less than 15 years, the average is based the insured's on total covered earnings.</p>
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<p>The maximum weekly earnings used to calculate benefits are B$1,073; the maximum monthly earnings are B$4,650.</p>
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<p>The minimum weekly pension is B$190.</p>
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<p>The maximum weekly pension is 60% of average covered earnings, up to B$647.90.</p>
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<p>Benefit adjustment: Benefits are adjusted annually according to changes in the cost of living.</p>
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<p><span class="h4">Disability grant (social insurance):</span> A lump sum of six weeks of the insured's average covered earnings for each <span class="nobr">50-week</span> period of paid or credited contributions is paid.</p>
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<p>Average annual earnings are based on the insured's covered earnings in the best three years of contributions; if the number of years worked is less than 15 years, the average is based the insured's on total covered earnings.</p>
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<p><span class="h4">Noncontributory disability pension (social assistance, income tested):</span> The weekly pension is B$155.</p>
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<p>Benefit adjustment: Benefits are adjusted annually according to changes in the cost of living.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Survivor pension (social insurance)</span></p>
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<p><span class="h5">Spouse's pension:</span> 50% of the social insurance <span class="nobr">old-age</span> or disability pension the deceased received or was entitled to receive is paid to a <span class="nobr">widow(er)</span> aged 50 or older (at any age if disabled) who was married to the deceased for at least three years; 33% to a <span class="nobr">widow(er)</span> aged 45 to 49. A limited pension is paid for 12 months to a <span class="nobr">widow(er)</span> younger than age 50 or a widow who was married to the deceased for less than three years.</p>
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<p>The maximum weekly spouse's pension is B$324.00.</p>
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<p><span class="h5">Orphan's pension:</span> 16.67% of the social insurance <span class="nobr">old-age</span> or disability pension the deceased received or was entitled to receive is paid to each child younger than age 16 (age 25 if a student); 33.3% if a full orphan or disabled.</p>
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<p>The maximum weekly orphan's pension is B$216.00.</p>
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<p>The maximum combined survivor benefit is 100% of the <span class="nobr">old-age</span> or disability pension the deceased received or was entitled to receive at the time of death.</p>
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<p><span class="h4">Funeral grant (social insurance):</span> A lump sum of B$2,120 is paid to the person who pays for the funeral.</p>
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<p>Benefit adjustment: Benefits are adjusted annually according to changes in the cost of living.</p>
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<h3>Administrative Organization</h3>
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<p>Ministry of Labour, Social Security, and Human Resource Development (<a href="https://labour.gov.bb/">https://labour.gov.bb/</a>) provides general supervision.</p>
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<p>National Insurance Office (<a href="https://www.nis.gov.bb/">http://www.nis.gov.bb/</a>), directed by a tripartite board, collects contributions and administers the program.</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 and current laws:</span> 1966 (social insurance), 1969 (medical care), and 1980 (medicine).</p>
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<p><span class="h4">Type of program:</span> Universal (medical benefits) and social insurance (cash benefits) system.</p>
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<h3>Coverage</h3>
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<p><span class="h4">Universal (medical benefits):</span> Residents of Barbados.</p>
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<p><span class="h4">Social insurance (cash benefits):</span> Employed and self-employed persons. Permanent government employees are covered for cash maternity benefits only.</p>
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<p>Exclusions: Unpaid family labor.</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">Universal (medical benefits):</span> None.</p>
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<p><span class="h5">Social insurance (cash benefits):</span> See source of funds under Old Age, Disability, and Survivors.</p>
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<p><span class="h4">Self-employed person</span></p>
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<p><span class="h5">Universal (medical benefits):</span> None.</p>
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<p><span class="h5">Social insurance (cash benefits):</span> See source of funds under Old Age, Disability, and Survivors.</p>
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<p><span class="h4">Employer:</span></p>
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<p><span class="h5">Universal (medical benefits):</span> None.</p>
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<p><span class="h5">Social insurance (cash benefits):</span> See source of funds under Old Age, Disability, and Survivors.</p>
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<p><span class="h4">Government</span></p>
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<p><span class="h5">Universal (medical benefits):</span> The total cost.</p>
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<p><span class="h5">Social insurance (cash benefits):</span> None; contributes as an employer.</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Cash sickness benefit:</span> Must be aged 16 or older but younger than the normal retirement age; have been employed immediately before the incapacity began; and have at least seven weeks of paid contributions in the second to last quarter before the incapacity began. Insured persons who were on leave or unemployed at the time the incapacity began must have an additional 39 weeks of paid or credited contributions in the four consecutive quarters ending in the second to last quarter before the incapacity began.</p>
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<p>Contributions are credited for each complete contributory week the insured received sickness, maternity, and work injury benefits, and during the three-day waiting period for sickness benefits if the related claim periods last at least two weeks.</p>
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<p><span class="h4">Cash maternity benefit:</span> Paid to employed women with at least 26 weeks of contributions, including 16 weeks of paid contributions in the two consecutive quarters ending in the second to last quarter before the benefit is paid.</p>
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<p>Self-employed women must have at least 39 weeks of paid or credited contributions in the four consecutive quarters ending in the second to last quarter before the benefit is paid; and 16 weeks of paid contributions in the two consecutive quarters ending in the second to last quarter before the benefit is paid.</p>
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<p>Contributions are credited for each complete contributory week the insured received sickness, maternity, and work injury benefits, and during the three-day waiting period for sickness benefits if the related claim periods last at least two weeks.</p>
|
|
<p><span class="h4">Cash maternity grant:</span> Paid for an uninsured woman or an insured woman who does not qualify for cash maternity benefits but whose spouse qualifies.</p>
|
|
<p>Sickness and maternity benefits are payable abroad only in cases where the insured has left temporarily to receive medical treatment.</p>
|
|
<h3>Sickness and Maternity Benefits</h3>
|
|
<p><span class="h4">Sickness benefit:</span> 66.67% of the insured's average weekly covered earnings is paid after a three-day waiting period for up to 26 weeks; may be extended for an additional 26 weeks if the insured has at least 150 weeks of paid contributions, including 75 weeks of contributions in the three years before the year the incapacity began. The waiting period is waived if the incapacity lasts at least 14 days.</p>
|
|
<p>Average weekly earnings are based on the insured's covered earnings in the contribution period used to qualify for the sickness benefit; special rules apply when periods of incapacity are separated by 13 or fewer weeks.</p>
|
|
<p>The maximum weekly sickness benefit is B$715.33.</p>
|
|
<p><span class="h4">Maternity benefit:</span> 100% of the insured's average weekly covered earnings is paid for up to six weeks before and six weeks after the expected date of childbirth.</p>
|
|
<p>Average weekly earnings are based on the insured's covered earnings in the contribution period used to qualify for the maternity benefit.</p>
|
|
<p>The maximum weekly maternity benefit is B$1,073.</p>
|
|
<p><span class="h4">Maternity grant:</span> A lump sum of B$1,220 is paid.</p>
|
|
<h3>Workers' Medical Benefits</h3>
|
|
<p>Free medical care is available in public hospitals and health centers. Benefits include general practitioner services; maternity, dental, and eye care; <abbr class="spell">HIV</abbr>/<abbr>AIDS</abbr> prevention, treatment, and care; mental health services; geriatric care; nutrition services; and acute and emergency care.</p>
|
|
<p>The Barbados Drug Service provides free medicine to persons suffering from certain chronic conditions (hypertension, diabetes, cancer, epilepsy, glaucoma, and asthma), persons aged 65 or older; children younger than age 16; and certain persons aged 16 to 64. A dispensing fee may be charged in private pharmacies.</p>
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<h3>Dependents' Medical Benefits</h3>
|
|
<p>Medical benefits for dependents are the same as those for workers.</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p><span class="h4">Cash benefits</span></p>
|
|
<p>Ministry of Labour, Social Security, and Human Resource Development (<a href="https://labour.gov.bb/">https://labour.gov.bb/</a>) is responsible for policy.</p>
|
|
<p>National Insurance Office (<a href="https://www.nis.gov.bb/">http://www.nis.gov.bb/</a>), directed by a tripartite board, collects contributions and administers the program.</p>
|
|
<p><span class="h4">Medical benefits</span></p>
|
|
<p>Ministry of Health (http://www.health.gov.bb/) is responsible for policy and delivers medical benefits.</p>
|
|
<h2>Work Injury</h2>
|
|
<h3>Regulatory Framework</h3>
|
|
<p><span class="h4">First law:</span> 1916 (workmen's compensation).</p>
|
|
<p><span class="h4">Current law:</span> 1966 (social insurance).</p>
|
|
<p><span class="h4">Type of program:</span> Social insurance system.</p>
|
|
<h3>Coverage</h3>
|
|
<p>Employed persons, including public-sector employees and some categories of fishermen.</p>
|
|
<p>Exclusions: Self-employed persons and unpaid family labor.</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> 0.75% of payroll.</p>
|
|
<p><span class="h4">Government:</span> None; contributes as an employer.</p>
|
|
<h3>Qualifying Conditions</h3>
|
|
<p>Must be assessed with a work injury or occupational disease.</p>
|
|
<h3>Temporary Disability Benefits</h3>
|
|
<p>90% of the insured's average weekly earnings is paid after a three-day waiting period for up to 52 weeks. The waiting period is waived if the disability lasts at least 14 days.</p>
|
|
<p>Average weekly earnings are based on the insured's covered earnings in the second to last quarter or last quarter before the work injury or occupational disease occurred; the average weekly earnings of workers in similar employment may be used under certain conditions.</p>
|
|
<p>The maximum weekly temporary disability benefit is B$965.70.</p>
|
|
<h3>Permanent Disability Benefits</h3>
|
|
<p><span class="h4">Permanent disability pension:</span> For a total (100%) permanent disability, 90% of the insured's average weekly earnings is paid.</p>
|
|
<p>Average weekly earnings are based on the insured's covered earnings in the second to last quarter or last quarter before the work injury or occupational disease occurred; the average weekly earnings of workers in similar employment may be used under certain conditions.</p>
|
|
<p>The maximum weekly permanent disability pension is B$965.70.</p>
|
|
<p>The insured's doctor assesses the degree of disability, which may be reviewed by National Insurance Office doctors.</p>
|
|
<p>Constant-attendance supplement: 50% of the permanent disability pension is paid if the insured requires the constant attendance of others to perform daily functions.</p>
|
|
<p>Partial disability: For an assessed degree of disability of less than 100%, a percentage of the full pension is paid according to the assessed degree of disability; a lump sum is paid if the assessed degree of disability is less than 30%.</p>
|
|
<h3>Workers' Medical Benefits</h3>
|
|
<p>Benefits include reimbursement of expenses for medical, surgical, dental, and hospital treatment; nursing care; medicine; appliances; and transportation.</p>
|
|
<h3>Survivor Benefits</h3>
|
|
<p><span class="h4">Survivor pension</span></p>
|
|
<p><span class="h5">Spouse's pension:</span> 50% of the temporary disability benefit the deceased received or was entitled to receive is paid to a dependent spouse.</p>
|
|
<p>Remarriage settlement: The spouse's pension ceases upon remarriage or cohabitation, and a lump sum of one year of the pension is paid.</p>
|
|
<p><span class="h5">Orphan's pension:</span> 16.6% of the temporary disability benefit the deceased received or was entitled to receive is paid to each child younger than age 16 (age 25 if a student); 33.3% if a full orphan or disabled.</p>
|
|
<p>The maximum combined survivor benefit is 100% of the temporary disability benefit the deceased received or was entitled to receive.</p>
|
|
<p><span class="h4">Funeral grant:</span> A lump sum of B$2,120 is paid to the person who pays for the insured's funeral.</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p>Ministry of Labour, Social Security, and Human Resource Development (<a href="https://labour.gov.bb/">https://labour.gov.bb/</a>) is responsible for policy.</p>
|
|
<p>National Insurance Office (<a href="https://www.nis.gov.bb/">http://www.nis.gov.bb/</a>), directed by a tripartite board, collects contributions and administers the program.</p>
|
|
<h2>Unemployment</h2>
|
|
<h3>Regulatory Framework</h3>
|
|
<p><span class="h4">First and current law:</span> 1981 (social insurance).</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, family labor, and permanent government employees.</p>
|
|
<h3>Source of Funds</h3>
|
|
<p><span class="h4">Insured person:</span> 0.75% of covered earnings plus 0.5% for the training levy.</p>
|
|
<p>The minimum weekly earnings used to calculate contributions are B$21; the minimum monthly earnings are B$91.</p>
|
|
<p>The maximum weekly earnings used to calculate contributions are B$1,073; the maximum monthly earnings are B$4,650.</p>
|
|
<p><span class="h4">Self-employed person:</span> Not applicable. The self-employed pay 0.5% of declared income for the training levy.</p>
|
|
<p><span class="h4">Employer:</span> 0.75% of covered payroll plus 0.5% for the training levy. Private-sector employers pay an additional 0.5% to the severance fund.</p>
|
|
<p>The minimum weekly earnings used to calculate contributions are B$21; the minimum monthly earnings are B$91.</p>
|
|
<p>The maximum weekly earnings used to calculate contributions are B$1,073; the maximum monthly earnings are B$4,650.</p>
|
|
<p><span class="h4">Government:</span> None; contributes as an employer.</p>
|
|
<h3>Qualifying Conditions</h3>
|
|
<p>Must be younger than the normal retirement age with at least 52 weeks of paid or credited contributions, including at least 20 weeks of paid or credited contributions in the three consecutive quarters ending in the second to last quarter before the unemployment began and at least seven weeks of paid or credited contributions in the second to last quarter.</p>
|
|
<p>Contributions are credited for each complete contributory week the insured received sickness, maternity, and work injury benefits, and during the three-day waiting period for sickness benefits if the related claim periods last at least two weeks.</p>
|
|
<h3>Unemployment Benefits</h3>
|
|
<p>60% of the insured's average weekly earnings is paid after a three-day waiting period for up to 26 weeks in any <span class="nobr">52-week</span> period. The waiting period is waived if the insured is unemployed for at least 21 days.</p>
|
|
<p>Average weekly earnings are based on the insured's covered earnings in the contribution period used to qualify for the unemployment benefit.</p>
|
|
<p>The maximum weekly unemployment benefit is B$603.72.</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p>Ministry of Labour, Social Security, and Human Resource Development (<a href="https://labour.gov.bb/">https://labour.gov.bb/</a>) is responsible for policy.</p>
|
|
<p>National Insurance Office (<a href="https://www.nis.gov.bb/">http://www.nis.gov.bb/</a>), directed by a tripartite board, collects contributions and administers the program.</p>
|
|
<h2>Family Allowances</h2>
|
|
<h3>Regulatory Framework</h3>
|
|
<p><span class="h4">Current law:</span> 1969 (national assistance).</p>
|
|
<p><span class="h4">Type of program:</span> Social assistance system.</p>
|
|
<h3>Coverage</h3>
|
|
<p>Needy residents of Barbados.</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> None.</p>
|
|
<p><span class="h4">Government:</span> The total cost.</p>
|
|
<h3>Qualifying Conditions</h3>
|
|
<p><span class="h4">National assistance grant:</span> Must be assessed as needy.</p>
|
|
<h3>Family Allowance Benefits</h3>
|
|
<p><span class="h4">National assistance grant:</span> B$25 a week is paid for a child younger than age 16; B$28 a week for an able-bodied adult; up to B$33 a week if younger than age 55 with a disability; up to B$38 a week if aged 55 or older with a disability and not receiving an <span class="nobr">old-age</span> or disability pension. The benefit is paid for up to 26 weeks.</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p>Ministry of Finance provides general supervision.</p>
|
|
<p>Ministry of Social Care, Constituency Empowerment and Community Development (<a href="http://www.socialcare.gov.bb/">http://www.socialcare.gov.bb/</a>) administers the program.</p>
|
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</div>
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</article>
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