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<h1>Social Security Programs Throughout the World: The Americas, 2005</h1>
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<h1>Saint Vincent and the Grenadines</h1>
<div class="exchangeRate">Exchange rate: US$1.00 equals 2.70 East Caribbean dollars (EC$).</div>
<h2>Old Age, Disability, and Survivors</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First law:</span> 1970 (provident fund).</p>
<p><span class="h4">Current law:</span> 1986 (social insurance), with amendments.</p>
<p><span class="h4">Type of program:</span> Social insurance system.</p>
<p>Note: The Family Services Division of the Ministry of Social Development administers social assistance cash benefits for needy persons, including needy elderly persons, the disabled, and orphans.</p>
<h3>Coverage</h3>
<p>Employed persons aged&nbsp;16 to 59.</p>
<p>Voluntary coverage for self-employed persons aged&nbsp;16 to 59, previously insured persons with at least 150 paid or credited contributions, and persons living abroad.</p>
<h3>Source of Funds</h3>
<p><span class="h4">Insured person:</span> 2.5% of gross earnings.</p>
<p>The minimum weekly earnings for contribution purposes are EC$15.</p>
<p>The maximum monthly earnings for contribution purposes are EC$3,770. (EC$4,330 from January&nbsp;2006.)</p>
<p>The above contributions also finance sickness and maternity benefits, below.</p>
<p><span class="h4">Self-employed person:</span> A voluntary contribution of 5.5% of declared gross earnings, according to eight income categories.</p>
<p>Contributions may be paid weekly or monthly.</p>
<p><span class="h4">Employer:</span> 3.5% of monthly payroll.</p>
<p>The minimum weekly earnings for contribution purposes are EC$15.</p>
<p>The maximum monthly earnings for contribution purposes are EC$3,770. (EC$4,330 from January&nbsp;2006.)</p>
<p>The above contributions also finance sickness and maternity benefits, below.</p>
<p><span class="h4">Government:</span> None; contributes as an employer.</p>
<h3>Qualifying Conditions</h3>
<p><span class="h4">Old-age pension:</span> Age&nbsp;60. The minimum required number of weeks of contributions is being increased annually by 25%, up to 500&nbsp;weeks of contributions. In 2005, the insured must have at least 350&nbsp;weeks of contributions.</p>
<p><span class="h4">Old-age grant:</span> Age&nbsp;60 with at least 50&nbsp;weeks of contributions.</p>
<p>Old-age benefits are payable abroad.</p>
<p><span class="h4">Disability pension:</span> Younger than age&nbsp;60 and disabled with at least 150&nbsp;weeks of contributions. The insured must have an assessed degree of disability of at least 30%.</p>
<p><span class="h4">Disability grant:</span> Younger than age&nbsp;60 and disabled with at least 50&nbsp;weeks of contributions.</p>
<p>The degree of disability is assessed by National Insurance Services inspectors. (The last inspection was in 2004.)</p>
<p>Disability benefits are payable abroad.</p>
<p><span class="h4">Survivor pension:</span> The deceased had at least 150&nbsp;weeks of contributions.</p>
<p><span class="h4">Survivor grant:</span> The deceased did not meet the qualifying conditions for a pension but was eligible for an old-age grant or disability grant.</p>
<p>Survivor benefits are payable abroad.</p>
<p><span class="h4">Funeral grant:</span> The deceased had paid at least 26&nbsp;weeks of contributions. The grant is payable for the death of the insured, the insured's spouse, and the insured's dependent children younger than age&nbsp;16 (age&nbsp;18 if a full-time student, no limit if disabled).</p>
<h3>Old-Age Benefits</h3>
<p><span class="h4">Old-age pension:</span> The pension is equal to 30% of the insured's average annual earnings with 350&nbsp;weeks of contributions. The pension is increased by 0.5% of average annual earnings for each additional <span class="nobr">25-week</span> period of contributions beyond 350&nbsp;weeks. (The minimum required number of weeks of contributions is being increased annually by 25%, up to 500&nbsp;weeks of contributions.)</p>
<p>Average annual earnings are based on the insured's earnings in the best 3 of the last 15&nbsp;years before the year in which the insured reaches age&nbsp;60.</p>
<p>The minimum pension is EC$60 a week. The pension is paid every 2&nbsp;weeks.</p>
<p>The maximum benefit is 60% of average annual earnings.</p>
<p>Benefit adjustment: Benefits are adjusted for inflation every 3&nbsp;years, subject to an actuarial review.</p>
<p><span class="h4">Old-age grant:</span> The grant is equal to six times average weekly insurable earnings for each <span class="nobr">50-week</span> period of contributions.</p>
<p>Average annual earnings are based on the insured's earnings in the best 3 of the last 15&nbsp;years before the year in which the insured reaches age&nbsp;60.</p>
<h3>Permanent Disability Benefits</h3>
<p><span class="h4">Disability pension:</span> The pension is equal to 30% of the insured's average earnings with 350&nbsp;weeks of contributions. The pension is increased by 0.5% of average annual earnings for each additional <span class="nobr">25-week</span> period of contributions beyond 350&nbsp;weeks. (The minimum required number of weeks of contributions is being increased annually by 25%, up to 500&nbsp;weeks of contributions.)</p>
<p>Average annual earnings are the sum of the insured's last 50&nbsp;weeks of insurable earnings or credits before the onset of disability, divided by 50.</p>
<p>The minimum benefit is EC$60 a week. The pension is paid every 2&nbsp;weeks.</p>
<p>The maximum benefit is 60% of average annual earnings.</p>
<p>Benefit adjustment: Benefits are adjusted for inflation every 3&nbsp;years, subject to an actuarial review.</p>
<p><span class="h4">Disability grant:</span> The grant is equal to six times average weekly insurable earnings for each <span class="nobr">50-week</span> period of contributions.</p>
<p>Average annual earnings are the sum of the insured's last 50&nbsp;weeks of insurable earnings or credits before the onset of disability, divided by 50.</p>
<h3>Survivor Benefits</h3>
<p><span class="h4">Survivor pension:</span> The <span class="nobr">widow(er)</span> pension is equal to 75% of the pension paid or payable to the deceased.</p>
<p>Eligible survivors are a <span class="nobr">widow(er)</span>, or cohabiting partner who lived with the deceased for at least 3&nbsp;years, aged&nbsp;50 or older or disabled or caring for a child who is eligible for survivor benefits.</p>
<p>The pension ceases if the surviving spouse remarries or cohabits.</p>
<p>A limited pension is payable for a year to a pregnant widow younger than age&nbsp;50 with no dependent children; the benefit continues if the child is born and is eligible for benefits.</p>
<p><span class="h4">Orphan's pension:</span> Each dependent child younger than age&nbsp;16 (age&nbsp;18 if a full-time student) receives 25% of the pension paid or payable to the deceased; 50% for a full orphan.</p>
<p><span class="h4">Other eligible survivors (in the absence of the above):</span> Dependent parents aged&nbsp;60 or older may receive up to 50% of the pension paid or payable to the deceased.</p>
<p>The total survivor pension must not exceed 100% of the deceased's old-age pension or disability pension.</p>
<p><span class="h4">Survivor grant:</span> A lump-sum benefit is paid to survivors.</p>
<p><span class="h4">Funeral grant:</span> EC$3,800 is paid to the person who meets all or part of the cost of the insured's funeral. A reduced grant is paid for the funeral of a spouse or child.</p>
<h3>Administrative Organization</h3>
<p>National Insurance Board (<a href="https://www.nissvg.org/">http://www.nissvg.org</a>) administers the program.</p>
<h2>Sickness and Maternity</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First and current law:</span> 1986 (social insurance), with amendments.</p>
<p><span class="h4">Type of program:</span> Social insurance system. Cash benefits only.</p>
<h3>Coverage</h3>
<p>Employed persons aged&nbsp;16 to 59.</p>
<p>Voluntary coverage for self-employed persons aged&nbsp;16 to 59.</p>
<p>Special systems for certain categories of civil servant.</p>
<h3>Source of Funds</h3>
<p><span class="h4">Insured person:</span> See source of funds under Old Age, Disability, and Survivors, above.</p>
<p><span class="h4">Self-employed person:</span> See source of funds under Old Age, Disability, and Survivors, above.</p>
<p><span class="h4">Employer:</span> See source of funds under Old Age, Disability, and Survivors, above.</p>
<p><span class="h4">Government:</span> None; contributes as an employer for certain categories of civil servant.</p>
<h3>Qualifying Conditions</h3>
<p><span class="h4">Cash sickness benefits:</span> Currently employed with at least 26&nbsp;weeks of contributions, including 8&nbsp;weeks in the 13&nbsp;weeks immediately before the onset of the incapacity.</p>
<p><span class="h4">Cash maternity benefits:</span> Must have at least 30&nbsp;weeks of contributions, including 20&nbsp;weeks in the 30&nbsp;weeks immediately before the claim.</p>
<p><span class="h4">Maternity grant:</span> The woman or her spouse must have at least 20&nbsp;weeks of contributions in the 30&nbsp;weeks immediately before the birth of a living child.</p>
<h3>Sickness and Maternity Benefits</h3>
<p><span class="h4">Sickness benefit:</span> The benefit is equal to 65% of the insured's average earnings in the 13&nbsp;weeks before the onset of the incapacity. The benefit is payable for up to 26&nbsp;weeks.</p>
<p><span class="h4">Maternity benefit:</span> The benefit is equal to 65% of the insured's average earnings in the last 30&nbsp;weeks of employment. The benefit is payable for 13&nbsp;weeks, starting no earlier than 6&nbsp;weeks before the expected date of childbirth.</p>
<p><span class="h4">Maternity grant:</span> EC$550.</p>
<h3>Workers' Medical Benefits</h3>
<p>No statutory benefits are provided.</p>
<h3>Dependents' Medical Benefits</h3>
<p>No statutory benefits are provided.</p>
<h3>Administrative Organization</h3>
<p>National Insurance Board (<a href="https://www.nissvg.org/">http://www.nissvg.org</a>) administers the program.</p>
<h2>Work Injury</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First law:</span> 1939.</p>
<p><span class="h4">Current law:</span> 1997 (work injury).</p>
<p><span class="h4">Type of program:</span> Social insurance system.</p>
<h3>Coverage</h3>
<p>Employed persons.</p>
<p>Voluntary coverage is not possible.</p>
<p>Exclusions: Self-employed persons.</p>
<p>There are no special systems for work injury benefits.</p>
<h3>Source of Funds</h3>
<p><span class="h4">Insured person:</span> None.</p>
<p><span class="h4">Self-employed person:</span> Not applicable.</p>
<p><span class="h4">Employer:</span> 0.5% of payroll.</p>
<p>Employer contributions may be paid weekly or monthly.</p>
<p><span class="h4">Government:</span> None; contributes as an employer.</p>
<h3>Qualifying Conditions</h3>
<p><span class="h4">Work injury benefits:</span> The insured must be employed. Employees older than age&nbsp;59 or younger than age&nbsp;16 are eligible. Benefits are paid for a work injury or an occupational disease only.</p>
<h3>Temporary Disability Benefits</h3>
<p>The benefit is equal to 70% of average weekly insurable earnings and is payable for up to 26&nbsp;weeks in the first instance; thereafter, the benefit is payable for an additional 26&nbsp;weeks and is equal to 70% of average weekly insurable earnings times the assessed degree of disability.</p>
<p>Average weekly insurable earnings are based on the insured's earnings in the 13&nbsp;weeks before the onset of disability.</p>
<p>The degree of disability is assessed by a medical doctor and reviewed every 26&nbsp;weeks.</p>
<h3>Permanent Disability Benefits</h3>
<p><span class="h4">Permanent disability pension:</span> The pension is equal to 70% of average weekly insurable earnings times the assessed degree of disability. The minimum assessed degree of disability must be greater than 30%, and the insured must have exhausted entitlement to the temporary disability benefit.</p>
<p>The degree of disability is assessed by a medical doctor and reviewed every 26&nbsp;weeks.</p>
<p>Constant-attendance allowance: Equal to 50% of the disability pension for as long as constant attendance is required. The insured must be an outpatient receiving a permanent disability pension (100% disability) and must need the constant attendance of another person.</p>
<p>If the assessed degree of disability is less than 30%, a lump-sum grant is paid equal to 365&nbsp;times the insured's average weekly insurable earnings times the assessed degree of disability. The insured must have exhausted entitlement to a temporary disability benefit.</p>
<p>Average weekly insurable earnings are based on the insured's earnings in the 13&nbsp;weeks before the onset of disability.</p>
<h3>Workers' Medical Benefits</h3>
<p>Benefits include medical, surgical, and hospital treatment; medicines; appliances; and transportation costs.</p>
<h3>Survivor Benefits</h3>
<p><span class="h4">Survivor pension:</span> 35% of the deceased's average weekly insurable earnings are paid to the widow(er). The insured's death resulted from a work injury or an occupational disease.</p>
<p>The pension ceases on remarriage.</p>
<p>Average weekly insurable earnings are based on the deceased's earnings in the 13&nbsp;weeks before the onset of disability.</p>
<p><span class="h4">Orphan's pension:</span> Each child younger than age&nbsp;16 (age&nbsp;18 if a full-time student) receives 11.7% of average weekly insurable earnings (23% for a full orphan or if disabled).</p>
<p>Average weekly insurable earnings are based on the deceased's earnings in the 13&nbsp;weeks before the onset of disability or death.</p>
<p><span class="h4">Other dependent's pension:</span> 11.7% of average weekly insurable earnings is paid for a year.</p>
<p>Average weekly insurable earnings are based on the deceased's earnings in the 13&nbsp;weeks before the onset of disability or death.</p>
<p>Eligible survivors are a <span class="nobr">widow(er)</span>, unmarried children, and any other person who was fully dependent on the insured. Insured workers have the prior option of naming the beneficiary.</p>
<p><span class="h4">Funeral grant:</span> If the insured died as the result of a work injury or an occupational disease, EC$3,800 is payable to the person who paid for the funeral.</p>
<h3>Administrative Organization</h3>
<p>National Insurance Board (<a href="https://www.nissvg.org/">http://www.nissvg.org</a>) administers the program.</p>
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