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<h1>Social Security Programs Throughout the World: The Americas, 2005</h1>
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<h1>British Virgin Islands</h1>
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<div class="exchangeRate">Exchange rate: Uses the <abbr class="spell">US</abbr> dollar (US$).</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> 1979 (social security).</p>
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<p><span class="h4">Current law:</span> 1980 (social security).</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>All employed and self-employed persons aged 16 to 65.</p>
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<p>There are no special systems for any specified groups of employees.</p>
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<h3>Source of Funds</h3>
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<p><span class="h4">Insured person:</span> 3.25% of monthly insured earnings.</p>
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<p>The maximum annual earnings for contribution and benefit purposes are US$23,400 (US$30,420 from January 2006).</p>
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<p><span class="h4">Self-employed person:</span> 8.5% of declared monthly earnings.</p>
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<p>The maximum annual earnings for contribution and benefit purposes are US$23,400 (US$30,420 from January 2006).</p>
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<p><span class="h4">Employer:</span> 3.25% of monthly covered wages.</p>
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<p>The maximum annual earnings for contribution and benefit purposes are US$23,400 (US$30,420 from January 2006).</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 500 weeks of contributions.</p>
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<p>Partial pension: A reduced pension is payable with between 51 and 499 weeks of contributions.</p>
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<p>Early pension: There is no early pension.</p>
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<p><span class="h4">Old-age grant:</span> Age 65 with at least 50 weeks of contributions and ineligible for any periodic benefit.</p>
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<p>All old-age benefits are payable abroad.</p>
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<p><span class="h4">Disability pension:</span> Younger than age 65 with 500 weeks of contributions and permanently incapable of any work.</p>
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<p>The degree of disability is assessed every 6 months by any medical doctor.</p>
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<p><span class="h4">Disability grant:</span> Younger than age 65 with at least 50 weeks of contributions, ineligible for any periodic benefit, and permanently incapable of any work.</p>
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<p>All disability benefits are payable abroad.</p>
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<p><span class="h4">Survivor pension:</span> The deceased was a pensioner or was eligible for a pension at the time of death.</p>
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<p>Eligible survivors are <span class="nobr">widow(er)s</span> (including an unmarried spouse) aged 40 or older or 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>All survivor benefits are payable abroad.</p>
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<p><span class="h4">Survivor grant:</span> Payable if the deceased was not eligible for a pension but had at least 50 weeks of contributions.</p>
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<p><span class="h4">Funeral grant:</span> Payable for the death of an insured person or his or her dependents. The insured must have at least 26 weeks of paid contributions.</p>
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<h3>Old-Age Benefits</h3>
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<p><span class="h4">Old-age pension:</span> The pension is equal to 30% of average covered earnings, plus 1% of average covered earnings for every <span class="nobr">50-week</span> period of contributions above 500 weeks.</p>
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<p>Average covered earnings are based on the sum of earnings in the best 3 years in the last 15 years, divided by three.</p>
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<p>The maximum annual earnings for benefit calculation purposes are US$23,400.</p>
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<p>Partial pension: The full pension is reduced in proportion to the number of weeks of contributions.</p>
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<p>Early pension: There is no early pension.</p>
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<p>The minimum old-age pension is US$208 (January 2005).</p>
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<p>The maximum old-age pension is equal to 60% of the insured's average annual covered earnings.</p>
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<p>Retirement from gainful employment is not necessary.</p>
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<p><span class="h4">Old-age grant:</span> The grant is equal to six times average weekly earnings for every <span class="nobr">50-week</span> period of contributions above 50 weeks and below 500 weeks.</p>
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<p>Retirement from gainful employment is not necessary.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Disability pension:</span> The pension is equal to 30% of average covered earnings, plus 1% of average covered earnings for every <span class="nobr">50-week</span> period of contributions above 500 weeks.</p>
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<p>Average covered earnings are based on the sum of earnings in the best 3 years in the last 15 years (or in the total number of covered years where less) before the year of the onset of disability, divided by three.</p>
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<p>The maximum annual earnings for benefit calculation purposes are US$23,400.</p>
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<p>The minimum disability pension is US$208 (January 2005).</p>
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<p>The maximum disability pension is equal to 60% of the insured's average annual covered earnings.</p>
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<p>The disability pension is replaced by the old-age pension at age 65.</p>
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<p><span class="h4">Disability grant:</span> The grant is equal to six times average weekly earnings for every <span class="nobr">50-week</span> period of contributions above 50 weeks and below 500 weeks.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Survivor pension:</span> The <span class="nobr">widow(er)'s</span> pension is equal to 2/3 of the old-age pension paid or payable to the deceased.</p>
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<p><span class="h4">Orphan's pension:</span> The pension is equal to 1/3 of the <span class="nobr">widow(er)'s</span> pension; 2/3 if a full orphan.</p>
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<p><span class="h4">Survivor grant:</span> The <span class="nobr">widow(er)'s</span> grant is equal to 2/3 of the old-age grant paid or payable to the deceased.</p>
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<p><span class="h4">Orphan's grant:</span> The grant is equal to 1/3 of the <span class="nobr">widow(er)'s</span> grant; 2/3 if a full orphan.</p>
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<p><span class="h4">Funeral grant:</span> The grant depends on the age of the person at death. For a child younger than age 1, US$300; for a child aged 1 to 15, US$1,300; for persons aged 16 or older, US$2,000. The grant is paid to the person who meets the cost of the funeral.</p>
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<h3>Administrative Organization</h3>
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<p>Chief Minister's Office provides general supervision.</p>
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<p>Social Security Board (<a href="https://www.vissb.vg/">http://www.bvissb.vg</a>) 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 law:</span> 1979 (social security).</p>
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<p><span class="h4">Current law:</span> 1980 (social security).</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>All employed and self-employed persons aged 16 to 65.</p>
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<p>There are no special systems for any specified groups of employees.</p>
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<h3>Source of Funds</h3>
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<p><span class="h4">Insured person:</span> 0.75% of monthly insured earnings.</p>
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<p>The maximum weekly and monthly earnings for contribution and benefit purposes are US$450 and US$1,950, respectively.</p>
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<p><span class="h4">Self-employed person:</span> 1.5% of declared monthly earnings.</p>
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<p>The maximum weekly and monthly earnings for contribution and benefit purposes are US$450 and US$1,950, respectively.</p>
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<p><span class="h4">Employer:</span> 0.75% of covered monthly wages.</p>
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<p>The maximum weekly and monthly earnings for contribution and benefit purposes are US$450 and US$1,950, respectively.</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">Cash sickness benefits:</span> Must have 26 weeks of contributions, including 8 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> Must have 26 weeks of contributions, including 20 weeks of contributions in the 39 weeks before the expected date of childbirth.</p>
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<p><span class="h4">Maternity grant:</span> The insured must have 26 weeks of contributions. The insured can be a woman or her husband or cohabiting partner. A cohabiting partner must have lived with the woman for at least 2 years. If both parents are eligible, 100% of the grant is payable to each.</p>
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<h3>Sickness and Maternity Benefits</h3>
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<p><span class="h4">Sickness benefit:</span> The benefit is equal to 2/3 of average weekly insured earnings and is payable for up to 26 weeks. The benefit is payable after a 3-day waiting period.</p>
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<p>Average weekly insured earnings are based on insured earnings in the 13 weeks before the onset of the incapacity.</p>
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<p>There is no minimum weekly sickness benefit.</p>
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<p>The maximum weekly sickness benefit is US$300.</p>
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<p><span class="h4">Maternity benefit:</span> The benefit is equal to 2/3 of average weekly insured earnings in the 39 weeks before the expected date of childbirth. The benefit is payable for up to 13 weeks, beginning no earlier than 6 weeks before the expected date of childbirth.</p>
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<p>Average weekly insured earnings are based on insured earnings in the 39 weeks before the expected date of childbirth.</p>
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<p>There is no minimum weekly maternity benefit.</p>
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<p>The maximum weekly maternity benefit is US$300.</p>
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<p><span class="h4">Maternity grant:</span> A lump sum of US$200 for each eligible insured parent per child.</p>
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<h3>Workers' Medical Benefits</h3>
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<p>No statutory benefits are provided.</p>
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<h3>Dependents' Medical Benefits</h3>
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<p>No statutory benefits are provided.</p>
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<h3>Administrative Organization</h3>
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<p>Chief Minister's Office provides general supervision.</p>
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<p>Social Security Board (<a href="https://www.vissb.vg/">http://www.bvissb.vg</a>) 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 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>All employed and self-employed persons from age 16.</p>
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<p>There are no special systems for any specified groups of employees.</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> 0.5% of declared monthly earnings.</p>
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<p>The maximum earnings for contribution purposes are US$23,400 (US$30,420 from January 2006).</p>
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<p><span class="h4">Employer:</span> 0.5% of covered monthly wages (including on behalf of employees aged 65 or older).</p>
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<p>The maximum annual earnings for contribution and benefit purposes are US$23,400 (US$30,420 from January 2006).</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">Work injury benefits:</span> There is no minimum qualifying period for a work injury or an occupational disease.</p>
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<h3>Temporary Disability Benefits</h3>
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<p>The benefit is equal to 75% of average weekly covered earnings and is payable for up to 26 weeks.</p>
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<p>The maximum temporary disability benefit is US$975.</p>
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<h3>Permanent Disability Benefits</h3>
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<p>For a total disability (100%), the benefit is equal to 75% of average weekly covered earnings and is payable for up to 26 weeks.</p>
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<p>The maximum permanent disability benefit is US$975.</p>
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<p>Partial disability: For an assessed degree of disability of 30% to 99%, a percentage of the full pension is paid according to the assessed degree of disability.</p>
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<p>The degree of disability is assessed every 6 months by any medical doctor.</p>
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<p>A lump sum is paid for an assessed degree of disability of less than 30%.</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; the supply of medicines; the supply, fitting, maintenance, repair, and renewal of artificial limbs; and the cost of transportation for the purpose of obtaining medical services.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Survivor pension:</span> The maximum survivor pension is 3/4 of the pension paid or payable to the deceased. The surviving spouse receives 1/2 of this amount.</p>
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<p>Eligible survivors are married or unmarried spouses who lived with the deceased for at least 3 years.</p>
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<p>The pension ceases if the surviving spouse remarries or cohabits.</p>
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<p><span class="h4">Orphan's pension:</span> Each orphan younger than age 15 (age 21 if a student, no limit if disabled) receives 1/6 of the maximum survivor pension.</p>
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<p><span class="h4">Other eligible survivors:</span> Up to 1/2 of the maximum survivor pension is split equally among other dependent survivors.</p>
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<p><span class="h4">Funeral grant:</span> A lump sum of US$2,000 is payable to the person who meets the cost of the funeral.</p>
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<h3>Administrative Organization</h3>
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<p>Chief Minister's Office provides general supervision.</p>
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<p>Social Security Board (<a href="https://www.vissb.vg/">http://www.bvissb.vg</a>) administers the program.</p>
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</div>
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<div class="important-info"><h4>Important Information:</h4>
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