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<h1>Social Security Programs Throughout the World: The Americas, 2003</h1>
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<div class="innards">
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<h1>Guyana</h1>
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<div class="exchangeRate">Exchange rate: U.S.$1.00 equals 195.41 Guyana dollars (G$).</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> 1944 (old-age assistance).</p>
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<p><span class="h4">Current laws:</span> 1969, 1981, 1986, 1989, and 1992.</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 persons aged 16 to 59 in the public and private sectors and the self-employed.</p>
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<p>Voluntary coverage is possible for previously insured persons up until age 60.</p>
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<p>Exclusions: Employees earning below G$7.50 a week, casual employment, and family labor.</p>
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<h3>Source of Funds</h3>
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<p><span class="h4">Insured person:</span> 4.8% of earnings. The self-employed contribute 10.47% of income up to the insurable limit. The voluntary insured contribute 8.17% of average weekly income in the last 2 years before they stopped working.</p>
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<p><span class="h4">Employer:</span> 7.2% of payroll.</p>
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<p><span class="h4">Government:</span> None, except as an employer; provides loans to cover any deficits.</p>
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<p>The maximum earnings for contribution and benefit purposes are G$19,428 a week.</p>
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<p>All of the above contributions also finance cash sickness, maternity, and work injury benefits (except for the self-employed).</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Old-age pension:</span> Age 60 with 750 weeks of contributions paid or credited of which 150 weeks must be paid contributions; 25 weeks of contributions are credited for each year that the insured was over age 35 in 1969, up to a maximum credit of 600 weeks.</p>
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<p>Retirement is not necessary.</p>
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<p><span class="h4">Old-age grant:</span> The insured does not meet the qualifying conditions for a pension but made at least 50 weeks of contributions before age 60.</p>
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<p><span class="h4">Disability pension:</span> Aged 16 to 59 and permanently disabled with a minimum of 250 weekly contributions paid or credited, including at least 150 weeks paid (25 weeks are credited for each year between the onset of disability and age 60).</p>
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<p><span class="h4">Disability grant:</span> The insured does not meet the qualifying conditions for a pension but made at least 50 weeks of contributions before the onset of disability.</p>
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<p><span class="h4">Survivor pension:</span> The insured was a pensioner or was eligible for a pension at the time of death; or aged 16 to 59 with a minimum of 250 weekly contributions paid or credited, including at least 150 paid contributions.</p>
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<p><span class="h4">Survivor grant:</span> The insured did not meet the qualifying conditions for a pension.</p>
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<h3>Old-Age Benefits</h3>
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<p><span class="h4">Old-age pension:</span> 40% of average weekly covered earnings during the best 3 years out of the last 5 years before age 60, plus 1% of average weekly covered earnings for every <span class="nobr">50-week</span> period of contributions above 750.</p>
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<p>The minimum pension is 50% of the minimum wage.</p>
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<p>The maximum pension is 60% or average weekly covered earnings.</p>
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<p><span class="h4">Old-age grant:</span> 1/12 of average annual covered earnings for every <span class="nobr">50-week</span> period of contributions paid or credited.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Disability pension:</span> 30% of average weekly covered earnings during the best 3 years out of the last 5 years before the onset of disability, plus 1% of average weekly covered earnings for every <span class="nobr">50-week</span> period of contributions above 250.</p>
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<p>The minimum benefit is 50% of the minimum wage.</p>
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<p>The maximum benefit is 60% of average weekly covered earnings.</p>
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<p>Constant-attendance allowance: G$200 a day.</p>
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<p><span class="h4">Disability grant:</span> 1/12 of average annual covered earnings for every <span class="nobr">50-week</span> period of contributions paid or credited.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Survivor pension:</span> 50% of the pension paid or payable to the insured, payable to a widow(er).</p>
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<p>Child supplement: 16.6% of the insured's pension for each child, up to a maximum of three children.</p>
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<p><span class="h4">Full orphan's pension:</span> 33.3% of the pension paid or payable to the insured for each orphan, up to a maximum of three orphans.</p>
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<p><span class="h4">Survivor grant:</span> A lump sum is paid if the insured did not meet the qualifying conditions for a pension.</p>
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<p><span class="h4">Funeral grant:</span> G$10,630 is paid for the funeral of the insured the insured's spouse.</p>
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<h3>Administrative Organization</h3>
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<p>Minister of Finance provides general supervision.</p>
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<p>National Insurance Board 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 law:</span> 1969.</p>
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<p><span class="h4">Type of program:</span> Social insurance system. Cash benefits only.</p>
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<h3>Coverage</h3>
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<p>Public- and private-sector employees and self-employed persons aged 16 to 60.</p>
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<p>Exclusions: Employees earning below G$7.50 a week, casual employment, and family labor.</p>
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<h3>Source of Funds</h3>
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<p><span class="h4">Insured person:</span> See source of funds under Old Age, Disability, and Survivors, above.</p>
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<p><span class="h4">Employer:</span> See source of funds under Old Age, Disability, and Survivors, above.</p>
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<p><span class="h4">Government:</span> None, except as an employer; provides loans to cover any deficits.</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Cash sickness benefits:</span> 50 weeks of contributions and in covered employment during 8 of the 13 weeks before the onset of incapacity. The insured must be under age 60.</p>
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<p><span class="h4">Cash maternity benefits:</span> 15 weeks of contributions, including 7 during the <span class="nobr">26-week</span> period ending 6 weeks before the expected date of childbirth.</p>
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<p><span class="h4">Cash maternity grant:</span> The insured woman or her spouse meets the qualifying conditions for maternity benefit.</p>
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<h3>Sickness and Maternity Benefits</h3>
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<p><span class="h4">Sickness benefit:</span> 70% of average weekly covered earnings during the best 8 weeks in the 13 weeks before the onset of incapacity. The benefit is payable from the fourth day of incapacity, for up to a maximum of 26 weeks.</p>
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<p><span class="h4">Maternity benefit:</span> 70% of average weekly covered earnings during the best 7 weeks in the 26 weeks before the start of the benefit. The benefit is payable for 13 weeks, including the week of childbirth plus 6 weeks before and 6 weeks after. The benefit may be extended for up to 13 additional weeks if complications arise.</p>
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<p><span class="h4">Maternity grant:</span> G$2,000.</p>
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<h3>Workers' Medical Benefits</h3>
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<p>No statutory benefits are provided. (Medical care is available in public hospitals and health centers. Medical care involves cost sharing, with the cost scaled to income.)</p>
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<h3>Administrative Organization</h3>
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<p>Minister of Finance provides general supervision.</p>
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<p>National Insurance Board administers the program.</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 law:</span> 1916.</p>
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<p><span class="h4">Current law:</span> 1969.</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 persons in the public and private sectors.</p>
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<p>Exclusions: Employees earning below G$7.50 a week, casual employment, and family labor.</p>
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<h3>Source of Funds</h3>
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<p><span class="h4">Insured person:</span> See source of funds under Old Age, Disability, and Survivors, above.</p>
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<p><span class="h4">Employer:</span> See source of funds under Old Age, Disability, and Survivors, above. (Also contributes an additional 1.53% of insurable earnings to finance employment injury for workers under age 16 or over age 60.)</p>
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<p><span class="h4">Government:</span> None, except as an employer; provides loans to cover any deficits.</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Work injury benefits:</span> There is no minimum qualifying period.</p>
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<h3>Temporary Disability Benefits</h3>
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<p>70% of average weekly covered earnings during the best 8 weeks in the 13 weeks before the onset of disability. The benefit is payable after the first day if the injury lasts for more than 3 days, for up to 26 weeks.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Permanent disability pension:</span> If 100% disabled, the pension is 70% of average weekly covered earnings during the best 8 weeks in the 13 weeks before the onset of disability.</p>
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<p>Constant-attendance allowance: G$200 a day.</p>
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<p>Partial disability: If the assessed degree of disability is at least 15%, a reduced pension is paid in proportion to the assessed degree of disability. If the assessed degree of disability is less than 15%, a lump-sum benefit is paid equal to 260 times the weekly disability benefit times the assessed degree of disability.</p>
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<h3>Workers' Medical Benefits</h3>
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<p>Benefits include hospitalization, general and specialist care, medicines, and transportation.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Survivor pension:</span> 35% of weekly earnings for a <span class="nobr">widow(er)</span> or a parent and 11.6% for each other dependent, up to a maximum of 70% of weekly earnings.</p>
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<p>The minimum pension for a <span class="nobr">widow(er)</span> or parent is 50% of the old-age or disability minimum pension; for a child, 16.6% of the old-age or disability minimum pension.</p>
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<p><span class="h4">Full orphan's pension:</span> 23.3% of weekly earnings until age 18.</p>
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<p>The minimum orphan's pension is 33.3% of the old-age or disability minimum pension.</p>
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<p><span class="h4">Death benefit:</span> Up to G$250 to the insured's creditors or estate, in the absence of any dependents.</p>
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<h3>Administrative Organization</h3>
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<p>Minister of Finance provides general supervision.</p>
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<p>National Insurance Board administers the program.</p>
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