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<h1>Social Security Programs Throughout the World: Europe, 2018</h1>
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<h1>Cyprus</h1>
<div class="exchangeRate">Exchange rate: <abbr class="spell">US</abbr>$1.00&nbsp;= 0.83&nbsp;euro (&euro;).</div>
<h2>Old Age, Disability, and Survivors</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First law:</span> 1957.</p>
<p><span class="h4">Current laws:</span> 1995 (social pension) and 2010 (social insurance).</p>
<p><span class="h4">Type of program:</span> Social insurance and social assistance system.</p>
<h3>Coverage</h3>
<p><span class="h4">Social insurance:</span> Employed and self-employed persons.</p>
<p>Voluntary coverage for formerly covered persons and citizens working abroad for Cypriot employers.</p>
<p>Exclusions: Family labor.</p>
<p><span class="h4">Social assistance (social pension):</span> Residents of Cyprus.</p>
<h3>Source of Funds</h3>
<p><span class="h4">Insured person</span></p>
<p><span class="h5">Social insurance:</span> 7.8% of covered earnings; for the voluntarily insured, 13% of declared income in Cyprus and 15.6% of covered earnings abroad.</p>
<p>The minimum weekly earnings used to calculate contributions are &euro;174.38.</p>
<p>The maximum weekly earnings used to calculate contributions are &euro;1,046.</p>
<p>The insured's contributions also finance cash sickness and maternity, work injury, and unemployment benefits.</p>
<p><span class="h5">Social assistance:</span> None.</p>
<p><span class="h4">Self-employed person</span></p>
<p><span class="h5">Social insurance:</span> 14.6% of covered income based on occupation.</p>
<p>The minimum weekly earnings used to calculate contributions range from &euro;261.57 to &euro;775.99 depending on occupation.</p>
<p>The maximum weekly earnings used to calculate contributions are &euro;1,046.</p>
<p>The self-employed person's contributions also finance cash sickness and maternity benefits.</p>
<p><span class="h5">Social assistance:</span> None.</p>
<p><span class="h4">Employer</span></p>
<p><span class="h5">Social insurance:</span> 7.8% of covered payroll.</p>
<p>The minimum weekly earnings used to calculate contributions are &euro;174.38.</p>
<p>The maximum weekly earnings used to calculate contributions are &euro;1,046.</p>
<p>The employer's contributions also finance cash sickness and maternity, work injury, and unemployment benefits.</p>
<p><span class="h5">Social assistance:</span> None.</p>
<p><span class="h4">Government</span></p>
<p><span class="h5">Social insurance:</span> 4.6% of covered payroll for insured persons, self-employed persons, and voluntarily insured persons working abroad (4.1% if working in Cyprus).</p>
<p>The minimum weekly earnings used to calculate contributions are &euro;174.38.</p>
<p>The maximum weekly earnings used to calculate contributions are &euro;1,046.</p>
<p>The government's contributions also finance cash sickness and maternity, work injury, and unemployment benefits.</p>
<p><span class="h5">Social assistance:</span> The total cost is financed from general revenues.</p>
<h3>Qualifying Conditions</h3>
<p><span class="h4">Old-age pension (social insurance):</span> Age&nbsp;65 (age&nbsp;63 for miners) with at least 15&nbsp;years of coverage, paid contributions on earnings of at least 780&nbsp;times the weekly basic covered earnings, and paid or credited contributions in at least 30% of the reference period.</p>
<p>The reference period is the years since October&nbsp;5, 1964, (since January&nbsp;7, 1957, if it results in a higher benefit) or the year in which the insured reached age&nbsp;16, whichever is later, up to the normal retirement age.</p>
<p>Weekly basic covered earnings are &euro;174.38.</p>
<p>Early pension: Age&nbsp;63 with paid or credited contributions in at least 70% of the reference period. (Miners aged&nbsp;58 or older with at least three years of employment may receive a pension one month earlier for every five months of mining work if they retire from that occupation.)</p>
<p>The reference period is the years since October&nbsp;5, 1964, (since January&nbsp;7, 1957, if it results in a higher benefit) or the year in which the insured reached age&nbsp;16, whichever is later, up to the pensionable age.</p>
<p>Dependent's supplement: Paid for a dependent female spouse not receiving any other pension; a dependent male spouse with a disability and not receiving any other pension; children up to age&nbsp;15 (age&nbsp;23 for unmarried women if a <span class="nobr">full-time</span> student; age&nbsp;25 for unmarried men who are studying <span class="nobr">full-time</span> or in military service; no limit if disabled); a dependent parent; or a dependent sibling who is younger than the insured.</p>
<p>The <span class="nobr">old-age</span> pension is payable abroad.</p>
<p><span class="h4">Old-age settlement (social insurance):</span> Age&nbsp;68 and does not qualify for the <span class="nobr">old-age</span> pension. Must have paid contributions for at least six years on earnings of at least 312&nbsp;times the weekly basic covered earnings.</p>
<p>Weekly basic covered earnings are &euro;174.38.</p>
<p>The <span class="nobr">old-age</span> settlement is payable abroad.</p>
<p><span class="h4">Social pension (social assistance, income tested):</span> Age&nbsp;65 and a resident of Cyprus for at least 20&nbsp;years after age&nbsp;40 or 35&nbsp;years after age&nbsp;18.</p>
<p><span class="h4">Disability pension (social insurance):</span> Paid for a total (100%) loss of earning capacity. The insured must have at least three years of coverage, paid contributions on earnings of at least 156&nbsp;times the weekly basic covered earnings, and paid or credited contributions in at least 25% of the reference period. Must have either paid or credited contributions in the year before the disability began or average covered earnings in the last two years of at least 20&nbsp;times the weekly basic covered earnings.</p>
<p>The reference period is the years since October&nbsp;5, 1964, (since January&nbsp;7, 1957, if it results in a higher benefit) or the year in which the insured reached age&nbsp;16, whichever is later, up to the week before the disability began.</p>
<p>If the disability is caused by an accident, the same qualifying conditions apply as for the cash sickness benefit (see Sickness and Maternity).</p>
<p>Weekly basic covered earnings are &euro;174.38.</p>
<p>Partial disability: Paid for a loss of earning capacity of at least 50% but less than 100%. The insured must have at least three years of coverage, paid contributions on earnings of at least 156&nbsp;times the weekly basic covered earnings, and paid or credited contributions in at least 25% of the reference period. Must have either paid or credited contributions in the year before the disability began or average covered earnings in the last two years of at least 20&nbsp;times the weekly basic covered earnings.</p>
<p>The reference period is the years since October&nbsp;5, 1964, (since January&nbsp;7, 1957, if it results in a higher benefit) or the year in which the insured reached age&nbsp;16, whichever is later, up to the week before the disability began.</p>
<p>Dependent's supplement: Paid for a dependent female spouse not receiving any other pension; a dependent male spouse with a disability and not receiving any other pension; children up to age&nbsp;15 (age&nbsp;23 for unmarried women who are studying full-time; age&nbsp;25 for unmarried men who are studying <span class="nobr">full-time</span> or in military service; no limit if disabled); a dependent parent; or a dependent sibling who is younger than the insured.</p>
<p>The disability pension is payable abroad.</p>
<p><span class="h4">Spouse's pension (social insurance):</span> Paid to a dependent widow or a dependent widower with a disability if the deceased received or was entitled to receive an <span class="nobr">old-age</span> pension or was insured for at least three years, had paid contributions on earnings of at least 156&nbsp;times the weekly basic covered earnings, and had paid or credited contributions in at least 25% of the reference period.</p>
<p>The reference period is the years since October&nbsp;5, 1964, (since January&nbsp;7, 1957, if it results in a higher benefit) or the year in which the deceased reached age&nbsp;16, whichever is later, up to the week before the death occurred.</p>
<p>If the death is caused by an accident, the same qualifying conditions apply as for cash sickness benefit (see qualifying conditions under Sickness and Maternity).</p>
<p>Weekly basic covered earnings are &euro;174.38.</p>
<p>The spouse's pension is payable abroad.</p>
<p>Dependent's supplement: Paid for children up to age&nbsp;15 (age&nbsp;23 for unmarried women who are studying full-time; age&nbsp;25 for unmarried men who are studying <span class="nobr">full-time</span> or in military service; no limit if disabled); or for dependent parents or a dependent sibling younger than the insured person.</p>
<p><span class="h4">Orphan's pension (social insurance):</span> The deceased was insured and was supporting a child up to age&nbsp;15 (age&nbsp;25 (men) or age&nbsp;23 (women) if a <span class="nobr">full-time</span> student or in military service at the time of death; no limit if disabled); for full orphans, one of the parents must have been insured.</p>
<p>Termination settlement: Paid when an orphan is no longer eligible for an orphan's pension due to age restrictions.</p>
<p>The orphan's pension is payable abroad.</p>
<p><span class="h4">Spouse's settlement (social insurance):</span> Paid to a dependent widow or a dependent widower with a disability if the deceased did not meet the contribution requirements for a spouse's pension but had paid contributions on earnings of at least 156&nbsp;times the weekly basic covered earnings. If the deceased received or was entitled to receive an <span class="nobr">old-age</span> pension, the qualifying conditions are the same as for the <span class="nobr">old-age</span> settlement. The <span class="nobr">widow(er)</span> may not receive a social pension and a spouse's settlement at the same time.</p>
<p>The spouse's settlement is payable abroad.</p>
<p>Weekly basic covered earnings are &euro;174.38.</p>
<p><span class="h4">Missing person's allowance (social insurance):</span> Paid to a dependent if the whereabouts of the insured person are unknown and he or she is presumed dead.</p>
<p>The missing person's allowance is payable abroad.</p>
<p><span class="h4">Funeral grant (social insurance):</span> Paid if the deceased was receiving an old age, disability, spouse's, or orphan's pension, or a missing person's allowance; died as a result of an occupational accident or disease; or was insured for at least 26&nbsp;weeks with paid contributions on covered earnings of at least 26&nbsp;times the weekly basic covered earnings, and paid or credited contributions in the previous year on earnings of at least 20&nbsp;times the weekly basic covered earnings. Also paid when an insured person's dependent dies.</p>
<p>The weekly basic covered earnings are &euro;174.38.</p>
<p>The funeral grant is payable abroad.</p>
<h3>Old-Age Benefits</h3>
<p><span class="h4">Old-age pension (social insurance):</span> The pension consists of a basic pension and a supplementary pension. The full basic pension is 60% of the insured's annual average basic covered earnings, divided by 52. The supplementary pension is 1.5% of the insured's earnings above the weekly basic covered earnings.</p>
<p>Early pension: The pension is reduced by 0.5% for every month it is claimed before age&nbsp;65.</p>
<p>The annual basic covered earnings are &euro;9,067.38; the weekly basic covered earnings are &euro;174.38.</p>
<p>Basic covered earnings are adjusted once a year based on changes in wages. Earnings for the supplementary pension are adjusted annually.</p>
<p>The maximum weekly covered earnings are &euro;1,046.</p>
<p>The minimum pension is 85% of the basic pension.</p>
<p>Dependent's supplement: The basic pension is increased to 80% of the insured's annual average basic covered earnings for the first dependent, 90% for the second, and 100% for the third; for a beneficiary with no dependent spouse, the basic pension is increased by 10% for each child, up to two children.</p>
<p>Schedule of payments: 13&nbsp;payments (one every four weeks) a year.</p>
<p><span class="h4">Old-age settlement (social insurance):</span> A lump sum of 15% of the total paid or credited contributions is paid.</p>
<p><span class="h4">Social pension (social assistance, income tested):</span> &euro;338.99 a month is paid. If receiving another pension or a similar payment less than the social pension, the difference between income from other sources and the social pension is paid.</p>
<p>Income test: The social pension is reduced by the amount of any other benefits the insured receives.</p>
<p>Benefit adjustment: Benefits are adjusted in January and July each year based on changes in wages and prices.</p>
<h3>Permanent Disability Benefits</h3>
<p><span class="h4">Disability pension (social insurance):</span> The pension consists of a basic pension and a supplementary pension. The basic pension is 60% of the insured's annual average basic covered earnings, divided by 52. The supplementary pension is 1.5% of the insured's earnings above the weekly basic covered earnings. The period from the onset of the disability to age&nbsp;63 is credited.</p>
<p>Partial disability: 85% of the full pension is paid for a loss of earning capacity of 76% to 99%; 75% for a loss of earning capacity of 66.7% to 75%; 60% for a loss of earning capacity of 50% to 66.6%.</p>
<p>The annual basic covered earnings are &euro;9,067.38; the weekly basic covered earnings are &euro;174.38.</p>
<p>Basic covered earnings are adjusted once a year based on changes in wages. Earnings for the supplementary pension are adjusted annually.</p>
<p>The maximum weekly covered earnings are &euro;1,046.</p>
<p>Dependent's supplement: The basic pension is increased to 80% of the insured's annual average basic covered earnings for the first dependent, 90% for the second, and 100% for the third; for a beneficiary with no dependent spouse, the basic pension is increased by 10% for each child, up to two children.</p>
<p>Schedule of payments: 13&nbsp;payments (one every four weeks) a year.</p>
<p>Benefit adjustment: Benefits are adjusted in January and July each year based on changes in wages and prices.</p>
<h3>Survivor Benefits</h3>
<p><span class="h4">Spouse's pension (social insurance):</span> The pension consists of a basic pension and a supplementary pension. The basic pension is 60% of the insured's annual average basic covered earnings, divided by 52. The supplementary pension is 60% of the supplementary <span class="nobr">old-age</span> or disability pension (1.5% of the insured's earnings above the weekly basic covered earnings) the deceased received or was entitled to receive.</p>
<p>The annual basic covered earnings are &euro;9,067.38; the weekly basic covered earnings are &euro;174.38.</p>
<p>Basic covered earnings are adjusted once a year based on changes in wages.</p>
<p>The maximum weekly covered earnings are &euro;1,046.</p>
<p>Dependent's supplement: The basic pension is increased to 80% of the insured's annual average basic covered earnings for the first dependent, 90% for the second, and 100% for the third.</p>
<p>Remarriage settlement: The spouse's pension ceases upon remarriage and a lump sum of one year of the pension is paid.</p>
<p>A person may receive a spouse's pension and an <span class="nobr">old-age</span> or disability pension (including the supplementary pension) at the same time, up to a maximum that varies depending on the insured's covered earnings.</p>
<p>Schedule of payments: 13&nbsp;payments (one every four weeks) a year.</p>
<p><span class="h4">Orphan's pension (social insurance):</span> 20% of the deceased's basic covered earnings is paid for each child, up to three children; 40% for full orphans plus 50% of the supplementary spouse's pension for one orphan or 100% for two or more eligible orphans.</p>
<p>Termination settlement: A lump sum of one year of the pension is paid.</p>
<p>The weekly basic covered earnings are &euro;174.38.</p>
<p>Basic covered earnings are adjusted once a year based on changes in wages.</p>
<p>The maximum weekly covered earnings are &euro;1,046.</p>
<p>Schedule of payments: 13&nbsp;payments (one every four weeks) a year.</p>
<p><span class="h4">Spouse's settlement (social insurance):</span> A lump sum of 15% of the deceased's basic covered earnings plus 9% of earnings exceeding basic covered earnings is paid.</p>
<p>The weekly basic covered earnings are &euro;174.38.</p>
<p>The maximum weekly covered earnings are &euro;1,046.</p>
<p><span class="h4">Missing person's allowance (social insurance):</span> The allowance is 60% of the insured's annual average basic covered earnings, divided by 52, plus 60% of the supplementary <span class="nobr">old-age</span> or disability pension (1.5% of covered earnings exceeding weekly basic covered earnings) the deceased received or was entitled to receive.</p>
<p>The annual basic covered earnings are &euro;9,067.38; the weekly basic covered earnings are &euro;174.38.</p>
<p>Basic covered earnings are adjusted once a year based on changes in wages.</p>
<p>The maximum weekly covered earnings are &euro;1,046.</p>
<p>A person receiving a missing person's allowance may also receive an <span class="nobr">old-age</span> or disability pension (basic and supplementary) up to a maximum, according to covered earnings.</p>
<p><span class="h4">Funeral grant (social insurance):</span> A lump sum of &euro;507.81 is paid when the insured or a pensioner dies; &euro;253.91 when a dependent dies.</p>
<p>Benefit adjustment: Benefits are adjusted in January and July each year based on changes in wages and prices.</p>
<h3>Administrative Organization</h3>
<p>Social Insurance Services of the Ministry of Labor, Welfare, and Social Insurance (<a href="http://www.mlsi.gov.cy/sid/">http://www.mlsi.gov.cy/sid/</a>), directed by a tripartite advisory Social Insurance Board and the Director of Social Insurance Services, collects contributions and administers the program.</p>
<h2>Sickness and Maternity</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First law:</span> 1957.</p>
<p><span class="h4">Current law:</span> 2010 (social insurance).</p>
<p><span class="h4">Type of program:</span> Social insurance system.</p>
<h3>Coverage</h3>
<p><span class="h4">Cash benefits:</span> Employed and self-employed persons.</p>
<p>Voluntary coverage for citizens working abroad for Cypriot employers and persons aged&nbsp;63 to 65 who are not entitled to an <span class="nobr">old-age</span> pension.</p>
<p>Exclusions: Family labor.</p>
<p><span class="h4">Medical benefits:</span> Certain categories of persons residing in Cyprus, including civil servants, military and police personnel, low-income individuals and families, and persons diagnosed with certain chronic diseases.</p>
<h3>Source of Funds</h3>
<p><span class="h4">Insured person:</span> See source of funds under Old Age, Disability, and Survivors.</p>
<p><span class="h4">Self-employed person:</span> See source of funds under Old Age, Disability, and Survivors.</p>
<p><span class="h4">Employer:</span> See source of funds under Old Age, Disability, and Survivors.</p>
<p><span class="h4">Government:</span> See source of funds under Old Age, Disability, and Survivors. The total cost of medical benefits.</p>
<h3>Qualifying Conditions</h3>
<p><span class="h4">Cash sickness benefit:</span> Must have at least 26&nbsp;weeks of coverage, paid contributions on earnings of at least 26&nbsp;times the weekly basic covered earnings, and paid or credited contributions on earnings of at least 20&nbsp;times the weekly basic covered earnings in the last year. After benefits have been paid for one year, the insured may qualify for an additional benefit after 13 more weeks of work and paid contributions on earnings of at least 26&nbsp;times the weekly basic covered earnings.</p>
<p>Dependent's supplement: Paid for a dependent spouse who is not working or receiving any benefit from the Social Insurance Fund; and for children up to age&nbsp;15 (age&nbsp;23 for unmarried women who are studying full-time; age&nbsp;25 for unmarried men who are studying <span class="nobr">full-time</span> or in military service; no limit if disabled).</p>
<p><span class="h4">Cash maternity benefit:</span> Must have paid contributions on earnings of at least 26&nbsp;times the weekly basic covered earnings, and paid or credited contributions on earnings of at least 20&nbsp;times the weekly basic covered earnings in the last year.</p>
<p>Dependent's supplement: Paid to a spouse who is not working or receiving any benefit from the Social Insurance Fund; and for children up to age&nbsp;15 (age&nbsp;23 for unmarried women who are studying full-time; age&nbsp;25 for unmarried men who are studying <span class="nobr">full-time</span> or in military service; no limit if disabled).</p>
<p><span class="h4">Cash paternity benefit:</span> Must have paid contributions on earnings of at least 26&nbsp;times the weekly basic covered earnings, and paid or credited contributions on earnings of at least 20&nbsp;times the weekly basic covered earnings in the last year. The insured must also be married to the child's mother, and not receive a full salary.</p>
<p><span class="h4">Cash maternity grant:</span> The insured or the insured's husband must have at least 26&nbsp;weeks of coverage, paid contributions on earnings of at least 26&nbsp;times the weekly basic covered earnings, and paid or credited contributions on earnings of at least 20&nbsp;times the weekly basic covered earnings in the last year. The grant is also paid to the nonworking wife of an insured man.</p>
<p><span class="h4">Medical benefits:</span> Residents of Cyprus.</p>
<h3>Sickness and Maternity Benefits</h3>
<p><span class="h4">Sickness benefit:</span> The benefit consists of a basic benefit and a supplementary benefit. The basic benefit is 60% of the insured's annual basic covered earnings in the last contribution year, divided by 52. The supplement is 50% of the average weekly covered earnings exceeding the weekly basic covered earnings in the last contribution year. The benefit is paid after a three-day waiting period (nine days for self-employed persons) for up to 156&nbsp;days; may be extended for an additional 156&nbsp;days under certain conditions.</p>
<p>The annual basic covered earnings are &euro;9,067.38; the weekly basic covered earnings are &euro;174.38.</p>
<p>Basic covered earnings are adjusted once a year based on changes in wages.</p>
<p>The maximum weekly covered earnings are &euro;1,046.</p>
<p>Dependent's supplement: The basic benefit is increased to 80% of average basic covered earnings for the first dependent, 90% for the second, and 100% for the third; for a beneficiary with no dependent spouse, the basic pension is increased by 10% for each child, up to two children.</p>
<p><span class="h4">Maternity benefit:</span> The benefit consists of a basic benefit and a supplementary benefit. The basic benefit is 72% of the insured's annual basic covered earnings in the last contribution year, divided by 52. The supplement is 72% of the average weekly covered earnings exceeding the weekly basic covered earnings in the last contribution year. The benefit is paid for 18 consecutive weeks beginning two to nine weeks before the expected date of childbirth (22&nbsp;weeks for multiple births, may be extended for premature births).</p>
<p>The benefit is paid for 16&nbsp;weeks to a stepmother of a child adopted before age&nbsp;12.</p>
<p>The annual basic covered earnings are &euro;9,067.38; the weekly basic covered earnings are &euro;174.38.</p>
<p>Basic covered earnings are adjusted once a year based on changes in wages.</p>
<p>The maximum weekly covered earnings are &euro;1,046.</p>
<p>Dependent's supplement: The basic benefit is increased to 80% of average basic covered earnings for the first dependent, 90% for the second, and 100% for the third.</p>
<p><span class="h4">Paternity benefit:</span> 100% of the insured's annual basic covered earnings in the last contribution year, divided by 52, is paid. The benefit is paid for two consecutive weeks and must be taken in the first four months after the date of childbirth.</p>
<p>The annual basic covered earnings are &euro;9,067.38; the weekly basic covered earnings are &euro;174.38.</p>
<p>Basic covered earnings are adjusted once a year based on changes in wages.</p>
<p>The maximum weekly covered earnings are &euro;1,046.</p>
<p><span class="h4">Maternity grant:</span> A lump sum of &euro;544.08 is paid.</p>
<h3>Workers' Medical Benefits</h3>
<p>Medical services are provided directly to patients in government hospitals and clinics. Benefits include medical treatment, hospitalization, maternity care, and medicine.</p>
<p>Benefits are free for active and retired civil servants, military and police personnel, recipients of social assistance and their dependents, unmarried persons with annual income up to &euro;15,400 (2017), families with annual income up to &euro;30,750 (2017) plus &euro;1,700 (2017) for each dependent child (no income limit for families with four or more children), and persons diagnosed with certain chronic diseases.</p>
<p>Cost sharing: Copayments are required for unmarried persons with annual income from &euro;15,400.01 (2017) to &euro;20,503.22 and for families with total annual income from &euro;30,750.01 (2017) to &euro;37,589.23 plus &euro;1,700 (2017) for each dependent child.</p>
<h3>Dependents' Medical Benefits</h3>
<p>Medical benefits for dependents are the same as those for the insured.</p>
<p>Cost sharing: Copayments are required for families with total annual income from &euro;30,750.01 to &euro;37,589.23 plus &euro;1,700 for each dependent child (2017).</p>
<h3>Administrative Organization</h3>
<p>Social Insurance Services of the Ministry of Labor, Welfare, and Social Insurance (<a href="http://www.mlsi.gov.cy/sid/">http://www.mlsi.gov.cy/sid/</a>), directed by a tripartite advisory Social Insurance Board and the Director of Social Insurance Services, collects contributions and administers the program.</p>
<p>Ministry of Health (<a href="https://www.moh.gov.cy/">https://www.moh.gov.cy/</a>) provides medical services through government hospitals.</p>
<h2>Work Injury</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First law:</span> 1957.</p>
<p><span class="h4">Current law:</span> 2010 (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.</p>
<h3>Source of Funds</h3>
<p><span class="h4">Insured person:</span> See source of funds under Old Age, Disability, and Survivors.</p>
<p><span class="h4">Self-employed person:</span> Not applicable.</p>
<p><span class="h4">Employer:</span> See source of funds under Old Age, Disability, and Survivors.</p>
<p><span class="h4">Government:</span> See source of funds under Old Age, Disability, and Survivors.</p>
<h3>Qualifying Conditions</h3>
<p>Must be assessed with a work injury or occupational disease. Accidents that occur while traveling to and from work are covered.</p>
<h3>Temporary Disability Benefits</h3>
<p>The benefit consists of a basic benefit and a supplementary benefit. The basic benefit is 60% of the insured's annual basic covered earnings in the last contribution year, divided by 52. The supplementary benefit is 50% of the earnings exceeding the annual covered earnings in the last contribution year, divided by 52.</p>
<p>The maximum weekly supplementary benefit is 100% of the weekly basic covered earnings.</p>
<p>The benefit is paid after a three-day waiting period for up to one year.</p>
<p>Dependent's supplement: The basic benefit is increased to 80% of average basic covered earnings for the first dependent, 90% for the second, and 100% for the third. A spouse is considered dependent if he or she is not working and is not receiving any benefit from the Social Insurance Fund. For a beneficiary with no dependent spouse, the basic pension is increased by 10% for each child, up to two children.</p>
<p>The annual basic covered earnings are &euro;9,067.38; the weekly basic covered earnings are &euro;174.38. Basic covered earnings are adjusted once a year based on changes in wages.</p>
<p>The maximum weekly covered earnings are &euro;1,046.</p>
<h3>Permanent Disability Benefits</h3>
<p><span class="h4">Permanent disability pension:</span> The pension consists of a basic pension and a supplementary pension. If the insured is assessed with a total (100%) loss of earning capacity, the full basic pension is 60% of the insured's weekly basic covered earnings. The supplementary pension is 60% of annual average covered earnings exceeding basic covered earnings in the last two contribution years, divided by 52.</p>
<p>Constant-attendance allowance: 55% of the basic full pension is paid if the insured requires the constant attendance of others to perform daily functions.</p>
<p>Partial disability: A percentage of the full (basic and supplementary) disability pension is paid depending on the assessed loss of earning capacity from 20% to 99%; a lump sum is paid for an assessed loss of earning capacity from 10% to 19%.</p>
<p>The annual basic covered earnings are &euro;9,067.38; the weekly basic covered earnings are &euro;174.38.</p>
<p>Basic covered earnings are adjusted once a year based on changes in wages.</p>
<p>The maximum weekly covered earnings are &euro;1,046.</p>
<p>Dependent's supplement: The basic benefit is increased to 80% of the insured's average basic covered earnings for the first dependent, 90% for the second, and 100% for the third. A spouse is considered dependent if not working or receiving any benefit from the Social Insurance Fund. For a beneficiary with no dependent spouse, the basic pension is increased by 10% for each child, up to two children.</p>
<p>Benefit adjustment: Benefits are adjusted in January and July each year based on changes in wages and prices.</p>
<h3>Workers' Medical Benefits</h3>
<p>Benefits for the treatment of work injuries and occupational diseases include all necessary medical treatment and hospitalization in government clinics and hospitals.</p>
<h3>Survivor Benefits</h3>
<p><span class="h4">Survivor pension</span></p>
<p><span class="h5">Spouse's pension:</span> The pension consists of a basic pension and a supplementary pension. The basic pension is 60% of the insured's weekly basic covered earnings. The supplementary pension is 60% of the supplementary permanent disability pension for a 100% loss of earning capacity.</p>
<p>The supplementary permanent disability pension for a 100% incapacity is 60% of the deceased's average covered earnings exceeding basic covered earnings in the last two years.</p>
<p>Weekly basic covered earnings are &euro;174.38. Basic covered earnings are adjusted once a year based on changes in wages.</p>
<p>The maximum weekly covered earnings are &euro;1,046.</p>
<p>The spouse's pension ceases upon remarriage and a lump sum of one year of the pension is paid.</p>
<p><span class="h5">Orphan's pension:</span> 20% of the deceased's basic covered earnings is paid for each child, up to three children; 40% for full orphans plus 50% of the supplementary spouse's pension for one orphan or 100% for two or more orphans younger than age&nbsp;15 (age&nbsp;23 for an unmarried female orphan who is a <span class="nobr">full-time</span> student; age&nbsp;25 for an unmarried male orphan who is a <span class="nobr">full-time</span> student or is serving in the National Guard; no limit if disabled).</p>
<p>Weekly basic covered earnings are &euro;174.38. Basic covered earnings are adjusted once a year based on changes in wages.</p>
<p>The maximum weekly covered earnings are &euro;1,046.</p>
<p>Termination settlement: When an orphan's pension ends due to age restrictions, a lump sum of one year of pension is paid.</p>
<p><span class="h5">Dependent parent's pension:</span> If there are no other eligible survivors, the weekly pension is 40% of the insured's basic covered earnings plus 30% of the supplementary permanent disability pension.</p>
<p>Weekly basic covered earnings are &euro;174.38. Basic covered earnings are adjusted once a year based on changes in wages.</p>
<p>The maximum weekly covered earnings are &euro;1,046.</p>
<p><span class="h4">Funeral grant:</span> A lump sum of &euro;507.81 is paid to the <span class="nobr">widow(er)</span> or the person who paid for the funeral.</p>
<h3>Administrative Organization</h3>
<p>Social Insurance Services of the Ministry of Labor, Welfare, and Social Insurance (<a href="http://www.mlsi.gov.cy/sid/">http://www.mlsi.gov.cy/sid/</a>), directed by a tripartite advisory Social Insurance Board and the Director of Social Insurance Services, collects contributions and administers the program.</p>
<p>Ministry of Health (<a href="https://www.moh.gov.cy/">https://www.moh.gov.cy/</a>) provides medical services through government-owned hospitals.</p>
<h2>Unemployment</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First law:</span> 1957.</p>
<p><span class="h4">Current law:</span> 2010 (social insurance).</p>
<p><span class="h4">Type of program:</span> Social insurance system.</p>
<h3>Coverage</h3>
<p>Employed persons, including voluntarily insured persons who work for Cypriot employers abroad and employed persons aged&nbsp;63 to 65 who are not entitled to an <span class="nobr">old-age</span> pension.</p>
<p>Exclusions: Self-employed persons.</p>
<h3>Source of Funds</h3>
<p><span class="h4">Insured person:</span> See source of funds under Old Age, Disability, and Survivors.</p>
<p><span class="h4">Self-employed person:</span> Not applicable.</p>
<p><span class="h4">Employer:</span> See source of funds under Old Age, Disability, and Survivors.</p>
<p><span class="h4">Government:</span> See source of funds under Old Age, Disability, and Survivors.</p>
<h3>Qualifying Conditions</h3>
<p><span class="h4">Unemployment benefits:</span> Must have at least 26&nbsp;weeks of coverage, paid contributions on earnings of at least 26&nbsp;times the weekly basic covered earnings, and paid or credited contributions on earnings of at least 20&nbsp;times the weekly basic covered earnings in the last year. After entitlement to the benefit ceases, the insured can qualify for additional benefits after 13&nbsp;weeks of work and paid contributions on earnings of at least 26&nbsp;times the weekly basic covered earnings.</p>
<p>The insured must be capable of and available for work and must report every six weeks to the employment exchange. If unemployment is due to voluntary leaving, misconduct, direct participation in a trade dispute, or the refusal of a suitable job offer, the insured may be disqualified for up to six weeks.</p>
<p>Dependent's supplement: Paid to a spouse who is not working or receiving any benefit from the Social Insurance Fund; and for children up to age&nbsp;15 (age&nbsp;23 for unmarried women who are studying full-time; age&nbsp;25 for unmarried men who are studying <span class="nobr">full-time</span> or in military service; no limit if disabled).</p>
<h3>Unemployment Benefits</h3>
<p>The benefit consists of a basic benefit and a supplementary benefit. The basic benefit is 60% of the insured's annual basic covered earnings in the last contribution year, divided by 52. The supplement is 50% of the covered earnings exceeding the annual basic covered earnings in the last contributions year, divided by 52.</p>
<p>The maximum weekly supplementary benefit is 100% of the weekly basic covered earnings.</p>
<p>The benefit is paid after a three-day waiting period (30&nbsp;days for the voluntarily insured) for up to 156&nbsp;days.</p>
<p>The annual basic covered earnings are &euro;9,067.38; the weekly basic covered earnings are &euro;174.38.</p>
<p>Basic covered earnings are adjusted once a year based on changes in wages.</p>
<p>The maximum weekly covered earnings are &euro;1,046.</p>
<p>Dependent's supplement: The basic benefit is increased to 80% of the insured's average basic covered earnings for the first dependent, 90% for the second, and 100% for the third. For a beneficiary with no dependent spouse, the basic benefit is increased by 10% for each child, up to two children.</p>
<h3>Administrative Organization</h3>
<p>Social Insurance Services of the Ministry of Labor, Welfare, and Social Insurance (<a href="http://www.mlsi.gov.cy/sid/">http://www.mlsi.gov.cy/sid/</a>), directed by a tripartite advisory Social Insurance Board and the Director of Social Insurance Services, collects contributions and administers the program.</p>
<h2>Family Allowances</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First law:</span> 1987.</p>
<p><span class="h4">Current law:</span> 2002 (child benefit).</p>
<p><span class="h4">Type of program:</span> Social assistance system.</p>
<h3>Coverage</h3>
<p>Residents of Cyprus.</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">Child benefit (means tested):</span> Paid to parents living with at least one dependent child. The child must be younger than age&nbsp;18 (age&nbsp;19 if a student; age&nbsp;21 if in military service; no limit if disabled).</p>
<p>Means test: Total household assets (bank accounts, stocks, investment funds, etc.) must not exceed &euro;1,200,000.</p>
<p><span class="h4">Single parent benefit (means tested):</span> Paid to single parents entitled to the child benefit.</p>
<p>Means test: Total household assets (bank accounts, stocks, investment funds, etc.) must not exceed &euro;1,200,000.</p>
<h3>Family Allowance Benefits</h3>
<p><span class="h4">Child benefit (means tested)</span></p>
<p><span class="h5">Basic benefit:</span> For families with annual income up to &euro;49,000, &euro;380 a year is paid for one eligible child, &euro;380 for two children, &euro;760 for three children, and &euro;1,260 for four or more children. For families with annual income from &euro;49,000.01 up to &euro;59,000, &euro;345 a year is paid for two eligible children, &euro;690 for three children, and &euro;1,135 for four or more children.</p>
<p><span class="h5">Supplementary benefit:</span> If annual family income is &euro;19,500 or less, &euro;95 a year is paid for one eligible child, &euro;190 for two children, &euro;285 for three children, and &euro;415 for four or more children. If annual family income is from &euro;19,500.01 up to &euro;39,000, &euro;45 a year is paid for one eligible child, &euro;140 for two children, &euro;235 for three children, and &euro;265 for four or more children.</p>
<p><span class="h4">Single parent benefit (means tested):</span> If annual family income is &euro;39,000 or less, &euro;2,160 a year is paid for each eligible child; if annual family income is &euro;39,000.01 to &euro;49,000, a &euro;1,920 a year is paid for each child.</p>
<h3>Administrative Organization</h3>
<p>Welfare Benefits Administration Service in the Ministry of Labor, Welfare, and Social Insurance (<a href="http://www.mlsi.gov.cy/mlsi/mlsi.nsf">http://www.mlsi.gov.cy/mlsi/mlsi.nsf</a>), administers the family allowances program.</p>
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