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<div id="hLogo"><a class="navLogo" href="/policy/index.html">Social Security</a><a class="navSearch" href="https://search.ssa.gov/search?affiliate=ssa">SEARCH</a></div>
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<h1>Social Security Programs Throughout the World: The Americas, 2003</h1>
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<h1>Trinidad and Tobago</h1>
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<div class="exchangeRate">Exchange rate: U.S.$1.00 equals 6.05 Trinidad and Tobago dollars (TT$).</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> 1939 (social assistance) and 1971 (social insurance), implemented in 1999, with 1999 amendment.</p>
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<p><span class="h4">Type of program:</span> Dual social insurance and social assistance system.</p>
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<p>Note: This information is from 1999.</p>
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<h3>Coverage</h3>
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<p><span class="h4">Social insurance:</span> Employed persons aged 16 to 64, including agricultural and domestic workers, apprentices, and public-sector employees.</p>
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<p>Voluntary insurance for old-age and survivor pensions.</p>
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<p>Exclusion: The self-employed.</p>
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<p><span class="h4">Social assistance (means-tested):</span> Residents aged 65 or older; aged 40 or older if blind and needy.</p>
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<h3>Source of Funds</h3>
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<h4>Social insurance</h4>
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<p><span class="h5">Insured person:</span> 2.8% of earnings according to 12 wage classes. The voluntarily insured contribute 7.1% of earnings.</p>
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<p><span class="h5">Employer:</span> 5.6% of payroll, according to 12 wage classes.</p>
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<p><span class="h5">Government:</span> None.</p>
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<p>The maximum weekly earnings for contribution purposes are TT$810.</p>
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<p>All of the above contributions also finance sickness and maternity and work injury benefits.</p>
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<h4>Social assistance</h4>
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<p><span class="h5">Insured person:</span> None.</p>
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<p><span class="h5">Employer:</span> None.</p>
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<p><span class="h5">Government:</span> Total cost.</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Old-age pension (social insurance):</span> From age 60 with 750 weeks of contributions paid or credited (in 1972, workers were credited with 25 weeks of coverage for each year of age over 35; up to a maximum 600 weeks). An increment is paid for every <span class="nobr">25-week</span> period of contributions in excess of 750, excluding the age credits.</p>
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<p><span class="h4">Old-age settlement (social insurance):</span> The insured does not meet the qualifying conditions for a pension.</p>
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<p>Retirement is compulsory at age 65.</p>
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<p><span class="h4">Disability pension (social insurance):</span> Ten weeks of contributions in the 13 weeks before the onset of disability, payable after receiving 26 weeks of sickness benefit.</p>
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<p><span class="h4">Disability settlement (social insurance):</span> The insured does not meet the qualifying conditions for a pension.</p>
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<p><span class="h4">Survivor pension (social insurance):</span> The insured had at least 50 contributions or was a pensioner at the time of death.</p>
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<p><span class="h4">Means-tested pension (social assistance):</span> Aged 65 or older with 20 years' residence and annual income below TT$5,000; certified as blind and aged 40 or older. The social assistance pension is not 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> 30% to 48% of average weekly earnings (TT$50 to TT$243 a week), according to 12 wage classes, plus 0.4% of average weekly earnings for each <span class="nobr">25-week</span> period of contributions over 750 weeks.</p>
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<p><span class="h4">Old-age settlement (social insurance):</span> A lump sum equal to three times the total employer/employee contributions.</p>
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<p>The minimum settlement is TT$200.</p>
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<p><span class="h4">Means-tested pension (social assistance):</span> TT$620 a month.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Disability pension (social insurance):</span> 30% to 48% of average weekly earnings (TT$50 to TT$243 a week), according to 12 wage classes, plus 0.4% of average weekly earnings for each <span class="nobr">25-week</span> period of contributions over 750 weeks.</p>
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<p><span class="h4">Disability settlement (social insurance):</span> A lump sum equal to three times the total employer/employee contributions.</p>
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<p>The minimum grant is TT$200.</p>
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<p><span class="h4">Means-tested pension (social assistance):</span> TT$620 a month.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Survivor pension (social insurance):</span> 60% of the insured's pension, payable to a widow aged 55 or older or disabled or caring for a child under age 16 (age 19 if a full-time student, no limit if disabled). The pension is payable for life if the widow reaches age 50 before the child reaches the statutory age limit. A limited pension is payable for 1 year to a widow who does not meet the qualifying conditions. A pension is also payable to a disabled widower.</p>
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<p><span class="h4">Orphan's pension (social insurance):</span> 30% of the insured's pension (60% if a full orphan) until age 16 (age 19 if a full-time student).</p>
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<p><span class="h4">Dependent parents (social insurance):</span> 30% of the insured's pension.</p>
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<p>The maximum survivor pension is 100% of the insured's pension.</p>
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<p><span class="h4">Funeral grant (social insurance):</span> TT$2,000.</p>
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<h3>Administrative Organization</h3>
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<p>Ministry of Finance provides general supervision of the national insurance system.</p>
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<p>National Insurance Board administers the national insurance system.</p>
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<p>National Insurance Board is a tripartite body comprising government, labor, and employer representatives.</p>
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<p>Ministry of Social Development provides general supervision of social assistance and means-tested old-age pensions.</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> 1939 (social assistance) and 1971 (social insurance), with 1999 amendment.</p>
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<p><span class="h4">Type of program:</span> Dual social insurance and social assistance system. Cash and medical benefits.</p>
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<h3>Coverage</h3>
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<p><span class="h4">Social insurance:</span> Employed persons aged 16 to 64, including agricultural and domestic workers, apprentices, and public-sector employees.</p>
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<p>Exclusions: Voluntary contributors and self-employed persons.</p>
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<p><span class="h4">Social assistance:</span> Means-tested assistance is available to indigent persons.</p>
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<h3>Source of Funds</h3>
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<h4>Social insurance</h4>
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<p><span class="h5">Insured person:</span> See source of funds under Old Age, Disability, and Survivors, above.</p>
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<p><span class="h5">Employer:</span> See source of funds under Old Age, Disability, and Survivors, above.</p>
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<p><span class="h5">Government:</span> None.</p>
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<h4>Social assistance</h4>
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<p><span class="h5">Insured person:</span> None.</p>
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<p><span class="h5">Employer:</span> None.</p>
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<p><span class="h5">Government:</span> Total cost.</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Cash sickness benefits:</span> Ten weeks of contributions in the 13 weeks before the onset of illness.</p>
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<p><span class="h4">Cash maternity benefits:</span> Ten weeks of contributions in the 13 weeks preceding the 6 weeks before the expected date of childbirth or receiving sickness benefits during the 13 weeks preceding the 6 weeks before the expected date of childbirth.</p>
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<p><span class="h4">Maternity grant:</span> Paid if the pregnancy lasts at least 28 weeks.</p>
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<h3>Sickness and Maternity Benefits</h3>
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<h4>Social insurance</h4>
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<p><span class="h5">Sickness benefit:</span> 60% of average earnings according to 12 wage classes (TT$63 to TT$486 a week). The benefit is payable after a <span class="nobr">4-day</span> waiting period for up to 52 weeks.</p>
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<p><span class="h5">Maternity benefit:</span> 60% of average earnings according to 12 wage classes, payable for a maximum of 13 weeks (TT$63 to TT$486 a week).</p>
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<p><span class="h5">Maternity grant:</span> A lump sum of TT$1,000.</p>
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<p><span class="h4">Social assistance:</span> Means-tested assistance is available to indigent persons.</p>
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<h3>Workers' Medical Benefits</h3>
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<p>Medical care is available to recipients of means-tested social assistance in public hospitals and in health offices and centers.</p>
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<h3>Dependents' Medical Benefits</h3>
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<p>Medical care is available to recipients of means-tested social assistance in public hospitals and in health offices and centers.</p>
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<h3>Administrative Organization</h3>
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<p>Ministry of Finance provides general supervision of the national insurance system.</p>
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<p>National Insurance Board administers national insurance system.</p>
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<p>National Insurance Board is a tripartite body comprising government, labor, and employer representatives.</p>
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<p>Ministry of Social Development provides general supervision of the national insurance system and administers means-tested social assistance.</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> 1976 (social insurance), with 1999 amendment.</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 64, including agricultural and domestic workers, apprentices, and public-sector employees.</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.</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>67% of average earnings, according to 12 wage classes (TT$70 to TT$540). The benefit is payable for up to 52 weeks. There is no waiting period.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Permanent disability pension:</span> The pension is in proportion to the assessed degree of disability, if at least 20% disabled. The pension is payable for life.</p>
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<p>Partial disability grant: For an assessed degree of disability of less than 20%, the grant is calculated as a percentage of average weekly earnings in proportion to half the assessed degree of disability multiplied by the period of disability (up to a maximum of 365 weeks).</p>
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<h3>Workers' Medical Benefits</h3>
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<p>Benefits include medical expenses for the treatment of the employment injury, up to a maximum of TT$15,000.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Survivor pension:</span> A widow receives 60% of the insured's pension until she remarries. A widower receives 60% of the insured's pension if he is disabled and unable to work.</p>
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<p><span class="h4">Orphan's pension:</span> 30% of the insured's pension (60% if a full orphan) until age 16 (age 19 if a full-time student, no limit if disabled).</p>
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<p><span class="h4">Dependent parents:</span> 30% of the insured's pension.</p>
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<p><span class="h4">Funeral grant:</span> TT$2,000.</p>
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<h3>Administrative Organization</h3>
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<p>Ministry of Finance provides general supervision of the national insurance system.</p>
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<p>National Insurance Board administers the national insurance system.</p>
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<p>National Insurance Board is a tripartite body comprising government, labor, and employer representatives.</p>
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<h2>Family Allowances</h2>
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<h3>Regulatory Framework</h3>
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<p><span class="h4">First and current law:</span> 1939 (social assistance).</p>
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<p><span class="h4">Type of program:</span> Social assistance system.</p>
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<h3>Coverage</h3>
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<p>Available to indigent persons on a means-tested basis.</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">Employer:</span> None.</p>
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<p><span class="h4">Government:</span> Total cost.</p>
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<h3>Qualifying Conditions</h3>
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<p>Female, over age 18, and destitute due to the death or absence of the head of the household.</p>
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<h3>Family Allowance Benefits</h3>
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<p><span class="h4">Family allowances:</span> A family grant of TT$632.60, plus a food subsidy of TT$70.15 a month. The grant is payable for a maximum of 12 months.</p>
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<h3>Administrative Organization</h3>
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<p>Ministry of Social Development provides general supervision and administers the program.</p>
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</div>
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</article>
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