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<h1>Social Security Programs Throughout the World: The Americas, 2019</h1>
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<h1>British Virgin Islands</h1>
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<div class="exchangeRate">Exchange rate: Currency is the <abbr class="spell">US</abbr> dollar ($).</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 laws:</span> 1979 (social security), 1980 (social security), and 2016 (retirement age).</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>Employed and self-employed persons.</p>
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<p>Voluntary coverage for persons who previously had mandatory coverage for at least one year.</p>
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<h3>Source of Funds</h3>
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<p><span class="h4">Insured person:</span> 4% (private sector) or 3.5% (public sector) of monthly covered earnings; 7% of covered earnings for the voluntarily insured <span class="nobr">(old-age,</span> disability, and survivor benefits); none for persons aged 65 or older.</p>
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<p>There are no minimum earnings used to calculate contributions.</p>
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<p>The maximum earnings used to calculate contributions are $815.00 ($837.00 as of January 2020) a week, $3,531.66 ($3,627.00 as of January 2020) a month, or $42,380 ($43,524 as of January 2020) a year.</p>
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<p>The insured person's contributions also finance cash sickness and maternity benefits (only cash maternity benefits for the public sector).</p>
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<p><span class="h4">Self-employed person:</span> 8.5% of monthly covered declared earnings.</p>
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<p>There are no minimum earnings used to calculate contributions.</p>
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<p>The maximum earnings used to calculate contributions are $815.00 ($837.00 as of January 2020) a week, $3,531.66 ($3,627.00 as of January 2020) a month, or $42,380 ($43,524 as of January 2020) a year.</p>
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<p>The self-employed person's contributions also finance cash sickness and maternity benefits, and work injury benefits.</p>
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<p><span class="h4">Employer:</span> 4.5% (private sector) or 4% (public sector) of monthly covered payroll; 0.5% for persons age 65 or older (work injury benefits only).</p>
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<p>There are no minimum earnings used to calculate contributions.</p>
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<p>The maximum earnings used to calculate contributions are $815.00 ($837.00 as of January 2020) a week, $3,531.66 ($3,627.00 as of January 2020) a month, or $42,380 ($43,524 as of January 2020) a year.</p>
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<p>The employer's contributions also finance cash sickness and maternity benefits (only cash maternity benefits for the public sector), and work injury benefits.</p>
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<p><span class="h4">Government:</span> None; contributes as an employer.</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Old-age pension:</span> Age 65 with at least 500 weeks of contributions.</p>
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<p>Employment may continue.</p>
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<p>The <span class="nobr">old-age</span> pension is payable abroad.</p>
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<p><span class="h4">Old-age grant:</span> Age 65 with at least 50 weeks but less than 500 weeks of contributions.</p>
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<p>Employment may continue.</p>
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<p>The <span class="nobr">old-age</span> grant is payable abroad.</p>
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<p><span class="h4">Disability pension:</span> Must be younger than the normal retirement age, be assessed with a permanent incapacity for any work, have been unable to work for at least the last six months, and have at least 250 weeks of contributions.</p>
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<p>A medical doctor assesses the degree of disability every six months.</p>
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<p>The disability pension ceases at the normal retirement age and is replaced by the <span class="nobr">old-age</span> pension.</p>
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<p>The disability pension is payable abroad.</p>
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<p><span class="h4">Disability grant:</span> Must be younger than the normal retirement age, be assessed with a permanent incapacity for any work, have been unable to work for at least the last six months, and have at least 50 weeks but less than 500 weeks of contributions.</p>
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<p>The disability grant is payable abroad.</p>
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<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 250 weeks of contributions at the time of death.</p>
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<p>Eligible survivors include a <span class="nobr">widow(er)</span> (or a partner who lived with the deceased for at least three years) who is aged 40 or older, who is disabled, or who is caring for a dependent child younger than age 15 (age 21 if a student), and orphans younger than age 15 (age 21 if a student).</p>
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<p>The <span class="nobr">widow(er)'s</span> pension ceases upon remarriage.</p>
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<p>The survivor pension is payable abroad.</p>
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<p><span class="h4">Survivor grant:</span> The deceased did not qualify for an <span class="nobr">old-age</span> or disability pension and had at least 50 weeks but less than 250 weeks of contributions at the time of death.</p>
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<p>Eligible survivors include a <span class="nobr">widow(er)</span> (or a partner who lived with the deceased for at least three years) who is aged 40 or older, who is disabled, or who is caring for a dependent child younger than age 15 (age 21 if a student), and orphans younger than age 15 (age 21 if a student).</p>
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<p>The survivor grant is payable abroad.</p>
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<p><span class="h4">Funeral grant:</span> Paid to the person who pays for the funeral when an insured person, the spouse of an insured person, or a dependent child younger than age 15 (age 21 if a student) dies. The insured must have at least 26 weeks of contributions.</p>
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<p>The funeral grant is payable abroad.</p>
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<h3>Old-Age Benefits</h3>
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<p><span class="h4">Old-age pension:</span> 30% of the insured's average annual covered earnings plus 1% of average annual covered earnings for every 50 weeks of contributions exceeding 500 weeks is paid.</p>
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<p>Average annual covered earnings are the sum of the insured's earnings in the best 11 years of earnings in the last 15 years of contributions (or the total years of contributions, if less) before retirement divided by 11.</p>
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<p>The maximum annual earnings used to calculate benefits are $42,380 ($43,524 as of January 2020).</p>
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<p>The minimum monthly <span class="nobr">old-age</span> pension is $260.</p>
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<p>The maximum annual <span class="nobr">old-age</span> pension is 60% of the insured's average annual covered earnings.</p>
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<p>The insured may receive the <span class="nobr">old-age</span> pension and the survivor pension at the same time. The total amount received is 100% of the <span class="nobr">old-age</span> pension plus 50% of the survivor pension, up to 100% of the insured's average annual covered earnings.</p>
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<p>Benefit adjustment: Benefits are adjusted annually based on changes in a composite consumer price index or 5%, whichever is lower.</p>
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<p><span class="h4">Old-age grant:</span> A lump sum of six times the insured's average weekly earnings is paid for every 50 weeks of contributions exceeding 50 weeks.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Disability pension:</span> 30% of the insured's average annual covered earnings plus 1% of average annual covered earnings for every 50 weeks of contributions exceeding 500 weeks is paid.</p>
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<p>Average annual covered earnings are the sum of the insured's earnings in the best 11 years of earnings in the last 15 years of contributions (or the total years of contributions, if less) before retirement divided by 11.</p>
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<p>The maximum annual earnings used to calculate benefits are $42,380 ($43,524 as of January 2020).</p>
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<p>The minimum monthly disability pension is $260.</p>
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<p>The maximum annual disability pension is 60% of the insured's average annual covered earnings.</p>
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<p>The insured may receive the disability pension and the survivor pension at the same time. The total amount received is 100% of the disability pension plus 50% of the survivor pension, up to 100% of the insured's average annual covered earnings.</p>
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<p>Benefit adjustment: Benefits are adjusted annually based on changes in a composite consumer price index or 5%, whichever is lower.</p>
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<p><span class="h4">Disability grant:</span> A lump sum of six times the insured's average weekly earnings is paid for every 50 weeks of contributions exceeding 50 weeks.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Survivor pension</span></p>
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<p><span class="h5">Spouse's pension:</span> 66.7% of the <span class="nobr">old-age</span> pension the deceased received or was entitled to receive is paid to a <span class="nobr">widow(er)</span> or cohabiting partner.</p>
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<p><span class="h5">Orphan's pension:</span> 33.3% of the spouse's pension is paid; 66.7% for full orphans.</p>
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<p><span class="h4">Survivor grant</span></p>
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<p><span class="h5">Spouse's grant:</span> 66.7% of the <span class="nobr">old-age</span> grant the deceased received or was entitled to receive is paid to a <span class="nobr">widow(er)</span> or cohabiting partner.</p>
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<p><span class="h5">Orphan's grant:</span> 33.3% of the spouse's grant is paid; 66.7% for full orphans.</p>
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<p><span class="h4">Funeral grant:</span> The benefit amount depends on the deceased's age at the time of death. For a child younger than age 1, $450 is paid; for a child aged 1 to 15, $1,950; for a person aged 16 or older, $3,000.</p>
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<h3>Administrative Organization</h3>
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<p>Social Security Board (<a href="https://www.vissb.vg/">http://www.bvissb.vg/</a>), managed by a tripartite board of directors appointed by the Minister of Health and Social Development (<a href="http://www.bvi.gov.vg/content/ministry-health-and-social-development/">http://www.bvi.gov.vg/content/ministry-health-and-social-development/</a>), administers the program and collects contributions.</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> 1979 (social security), 1980 (social security), and 2015 (national health 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">Cash benefits:</span> Employed and self-employed persons. Public-sector employees and civil servants are covered for maternity benefits only.</p>
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<p><span class="h4">Medical benefits (National Health Insurance):</span> Legal residents of the British Virgin Islands.</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">Cash benefits:</span> See source of funds under Old Age, Disability, and Survivors.</p>
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<p><span class="h5">Medical benefits:</span> 3.75% of monthly covered earnings plus 3.75% for a nonemployed spouse.</p>
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<p>There are no minimum earnings used to calculate contributions.</p>
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<p>The maximum earnings used to calculate contributions are $1,630.00 a week, $7,063.34 a month, or $84,760.00 a year.</p>
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<p><span class="h4">Self-employed person</span></p>
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<p><span class="h5">Cash benefits:</span> See source of funds under Old Age, Disability, and Survivors.</p>
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<p><span class="h5">Medical benefits:</span> 7.5% of monthly covered declared earnings.</p>
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<p>There are no minimum earnings used to calculate contributions.</p>
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<p>The maximum earnings used to calculate contributions are $1,630.00 a week, $7,063.34 a month, or $84,760.00 a year.</p>
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<p><span class="h4">Employer</span></p>
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<p><span class="h5">Cash benefits:</span> See source of funds under Old Age, Disability, and Survivors.</p>
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<p><span class="h5">Medical benefits:</span> 3.75% of monthly covered payroll.</p>
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<p>There are no minimum earnings used to calculate contributions.</p>
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<p>The maximum earnings used to calculate contributions are $1,630.00 a week, $7,063.34 a month, or $84,760.00 a year.</p>
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<p><span class="h4">Government</span></p>
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<p><span class="h5">Cash benefits:</span> None; contributes as an employer.</p>
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<p><span class="h5">Medical benefits:</span> Pays contributions for dependent children, unemployed elderly persons, needy persons, and prisoners; 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 have at least 26 weeks of contributions, including at least eight weeks of contributions in the 13 weeks immediately before the incapacity began.</p>
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<p><span class="h4">Cash maternity benefit:</span> Must have at least 26 weeks of contributions, including at least 20 weeks of contributions in the 39 weeks immediately before the expected date of childbirth.</p>
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<p><span class="h4">Maternity grant:</span> Must have at least 26 weeks of contributions.</p>
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<p>Eligible parents include the mother, her husband, or her cohabiting partner who has lived with her for at least two years.</p>
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<p><span class="h4">Medical benefits:</span> Must be insured. There is no minimum qualifying period.</p>
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<h3>Sickness and Maternity Benefits</h3>
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<p><span class="h4">Sickness benefit:</span> 66.7% of the insured's average weekly covered earnings in the 13 weeks before the incapacity began is paid after a three-day waiting period for up to 26 weeks.</p>
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<p>The maximum weekly earnings used to calculate benefits is $815 ($837 as of January 2020).</p>
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<p>There is no minimum weekly sickness benefit.</p>
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<p><span class="h4">Maternity benefit:</span> 66.7% of the insured's average weekly covered earnings in the 39 weeks before the expected date of childbirth is paid for up to 13 weeks, beginning no earlier than six weeks before the expected date of childbirth.</p>
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<p>The maximum weekly earnings used to calculate benefits is $815 ($837 as of January 2020).</p>
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<p>There is no minimum weekly maternity benefit.</p>
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<p><span class="h4">Maternity grant:</span> A lump sum of $300 per child is paid to each eligible parent.</p>
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<h3>Workers' Medical Benefits</h3>
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<p>The National Health Insurance (<abbr class="spell">NHI</abbr>) program covers a comprehensive package of primary, secondary, and tertiary care. Benefits include preventive care, diagnostic procedures, outpatient care, hospitalizations, surgery, acute and intensive care, medicine, mental health services, dental and eye care, prostheses, and rehabilitation.</p>
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<p>Cost sharing: No copayment is required for medical treatment at community health clinics within the NHI network. Copayments vary depending on whether the providers are in the <abbr class="spell">NHI</abbr> network and whether they are local or overseas: 5% for the local public hospital; 10% for local providers in the <abbr class="spell">NHI</abbr> network; 20% for out-of-network local providers and overseas providers in the <abbr class="spell">NHI</abbr> network; and 40% for out-of-network overseas providers.</p>
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<h3>Dependents' Medical Benefits</h3>
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<p>Benefits for dependents are the same as those for the insured.</p>
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<h3>Administrative Organization</h3>
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<p>Social Security Board (<a href="https://www.vissb.vg/">http://www.bvissb.vg/</a>), managed by a tripartite board of directors appointed by the Minister of Health and Social Development (<a href="http://www.bvi.gov.vg/content/ministry-health-and-social-development/">http://www.bvi.gov.vg/content/ministry-health-and-social-development/</a>), administers the program and collects contributions.</p>
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<h2>Work Injury</h2>
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<h3>Regulatory Framework</h3>
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<p><span class="h4">First and current law:</span> 1994 (employment injury).</p>
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<p><span class="h4">Type of program:</span> Social insurance system.</p>
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<h3>Coverage</h3>
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<p>Employed and self-employed persons.</p>
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<h3>Source of Funds</h3>
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<p><span class="h4">Insured person:</span> None.</p>
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<p><span class="h4">Self-employed person:</span> See source of funds under Old Age, Disability, and Survivors.</p>
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<p><span class="h4">Employer:</span> See source of funds under Old Age, Disability, and Survivors.</p>
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<p><span class="h4">Government:</span> None; contributes as an employer.</p>
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<h3>Qualifying Conditions</h3>
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<p>Must be assessed with a work injury or occupational disease.</p>
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<h3>Temporary Disability Benefits</h3>
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<p>75% of the insured's average weekly covered earnings is paid for up to 26 weeks.</p>
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<p>The maximum weekly temporary disability benefit is $611.25.</p>
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<h3>Permanent Disability Benefits</h3>
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<p>For a total (100%) disability, 75% of the insured's average weekly covered earnings is paid.</p>
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<p>The maximum weekly permanent disability benefit is $611.25.</p>
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<p>A medical doctor assesses the degree of disability, according to a schedule in law.</p>
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<p>Partial disability: For an assessed degree of disability of at least 30% but less than 100%, a percentage of the full permanent disability pension is paid based on the assessed degree of disability; a lump sum is paid for an assessed degree of disability of less than 30%.</p>
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<p>A medical doctor assesses the degree of disability every six months.</p>
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<h3>Workers' Medical Benefits</h3>
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<p>Benefits include medical, surgical, dental, and hospital treatment; skilled nursing services; medicine; prostheses (including maintenance and repair); and the cost of transportation to and from medical services.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Survivor pension</span></p>
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<p><span class="h5">Spouse's pension:</span> 50% of the maximum survivor pension is paid to a <span class="nobr">widow(er)</span> or a cohabiting partner who lived with the deceased for at least three years.</p>
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<p>The maximum survivor pension is 75% of the deceased's average weekly earnings.</p>
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<p>The spouse's pension ceases upon remarriage or cohabitation.</p>
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<p><span class="h5">Orphan's pension:</span> 16.7% of the maximum survivor pension is paid to each orphan younger than age 15 (age 21 if a student, no limit if disabled).</p>
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<p><span class="h5">Other eligible survivor's pension:</span> Up to 50% of the maximum survivor pension is split equally among other dependent survivors.</p>
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<p><span class="h4">Funeral grant (Employment Injury Funeral Benefit):</span> A lump sum of up to $3,000 is paid to the person who paid for the funeral. The benefit must be claimed within six months of the date of death.</p>
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<h3>Administrative Organization</h3>
|
|
<p>Social Security Board (<a href="https://www.vissb.vg/">http://www.bvissb.vg/</a>), managed by a tripartite board of directors appointed by the Minister of Health and Social Development (<a href="http://www.bvi.gov.vg/content/ministry-health-and-social-development/">http://www.bvi.gov.vg/content/ministry-health-and-social-development/</a>), administers the program and collects contributions.</p>
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<h2>Unemployment</h2>
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<h3>Regulatory Framework</h3>
|
|
<p>The Labour Code (2010) requires employers to provide severance pay to employees with at least 12 months of continuous service. Severance is paid in cases of redundancy, mental or physical incapacity, liquidation of the firm, in situations where the employee cannot continue to work without breaking a law, or if the employer dies. The payment amount for a <span class="nobr">full-time</span> employee is 75% of the employee's daily pay multiplied by the number of months of service, or nine days of pay multiplied by the number of years of service. (Different formulas apply for casual, <span class="nobr">part-time,</span> or piece-work employees.)</p>
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<h2>Family Allowances</h2>
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|
<h3>Regulatory Framework</h3>
|
|
<p>Under the 2013 Public Assistance Act, the Social Development Department (<a href="http://www.bvi.gov.vg/departments/social-development-department/">http://www.bvi.gov.vg/departments/social-development-department/</a>) under supervision of the Ministry of Health and Social Development (<a href="http://www.bvi.gov.vg/content/ministry-health-and-social-development/">http://www.bvi.gov.vg/content/ministry-health-and-social-development/</a>) provides cash and <span class="nobr">in-kind</span> benefits to needy individuals.</p>
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</article>
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