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<h1>Social Security Programs Throughout the World: The Americas, 2007</h1>
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<h1>Guyana</h1>
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<div class="exchangeRate">Exchange rate: US$1.00 equals 200.30 Guyana dollars (G$).</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 law:</span> 1969 (social security), with amendments.</p>
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<p><span class="h4">Type of program:</span> Social insurance system.</p>
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<p>Note: Social Security and Senior Citizens Welfare Department administers social assistance benefits to persons aged 65 or older, the indigent, the infirm, and orphans younger than age 16.</p>
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<h3>Coverage</h3>
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<p>All public- and private-sector employees and self-employed persons between ages 16 and 59.</p>
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<p>Voluntary coverage is possible for previously insured persons until age 60.</p>
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<p>Exclusions: Employed persons earning less than G$7.50 a week, casual employees, and family labor.</p>
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<h3>Source of Funds</h3>
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<p><span class="h4">Insured person:</span> 5.2% of covered earnings. The voluntarily insured contribute 9.3% of average weekly earnings in the last 2 years before covered employment ceased.</p>
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<p>The maximum weekly earnings for contribution and benefit purposes are G$24,064. The maximum covered earnings for contribution and benefit purposes are adjusted annually.</p>
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<p>Contributions are paid weekly or monthly, depending on the nature of employment.</p>
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<p>The insured's contributions also finance cash sickness, maternity, and work injury benefits.</p>
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<p><span class="h4">Self-employed person:</span> 11.5% of declared income, up to a maximum.</p>
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<p>Contributions are paid weekly or monthly, depending on the nature of employment.</p>
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<p>The self-employed person's contributions also finance cash sickness and maternity benefits.</p>
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<p><span class="h4">Employer:</span> 7.8% of covered monthly payroll.</p>
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<p>The maximum weekly earnings for contribution and benefit purposes are G$24,064. The maximum covered earnings for contribution and benefit purposes are adjusted annually.</p>
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<p>The employer's contributions also finance cash sickness, maternity, and work injury benefits.</p>
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<p><span class="h4">Government:</span> None; contributes 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">Old-age pension:</span> Age 60 with 750 weeks of paid or credited contributions, including at least 150 weeks of paid contributions; 25 weeks of contributions are credited for each year that the insured was older than 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> Paid if the insured does not satisfy the qualifying conditions for an old-age pension but had at least 50 weeks of contributions before age 60.</p>
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<p>Old-age benefits are not payable abroad.</p>
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<p><span class="h4">Disability pension:</span> Aged 16 to 59 with an assessed degree of permanent disability of at least 15%. There are no contribution requirements.</p>
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<p>The assessed degree of disability is reviewed by the National Insurance Medical Board when required.</p>
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<p><span class="h4">Disability grant:</span> Aged 16 to 59 with an assessed degree of permanent disability of less than 15%. There are no contribution requirements.</p>
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<p>Disability benefits are not payable abroad.</p>
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<p><span class="h4">Survivor pension:</span> The deceased was a pensioner or was eligible for an old-age pension or disability pension at the time of death; or aged 16 to 59 with a minimum of 250 weekly paid or credited contributions, including at least 150 paid contributions.</p>
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<p>Eligible survivors are the <span class="nobr">widow(er)</span> and orphans younger than age 18.</p>
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<p><span class="h4">Survivor grant:</span> Paid if the deceased would have been eligible for an old-age grant or a disability grant.</p>
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<p>Eligible survivors are the <span class="nobr">widow(er)</span> and orphans younger than age 18.</p>
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<p>Survivor benefits are not payable abroad.</p>
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<p><span class="h4">Funeral grant:</span> The insured had paid at least 50 weeks of contributions. The grant is paid to help meet the cost of the funeral for the insured or his or her spouse.</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 40% of the insured's average weekly covered earnings, plus 1% of average weekly covered earnings for each <span class="nobr">50-week</span> period of contributions exceeding 750.</p>
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<p>Average weekly covered earnings are based on the insured's best 3 years of earnings in the last 5 years before age 60.</p>
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<p>The maximum weekly earnings for benefit calculation purposes are G$24,064.</p>
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<p>The minimum pension is equal to 50% of the minimum wage.</p>
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<p>The public sector minimum wage is G$26,070.</p>
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<p>The maximum pension is equal to 60% of the insured's average weekly covered earnings.</p>
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<p><span class="h4">Old-age grant:</span> The grant is equal to 1/12 of the insured's average annual covered earnings for each <span class="nobr">50-week</span> period of paid or credited contributions.</p>
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<p>Average weekly covered earnings are based on the insured's best 3 years of earnings in the last 5 years before age 60.</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 the insured's average weekly covered earnings, plus 1% of average weekly covered earnings for each <span class="nobr">50-week</span> period of contributions exceeding 250.</p>
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<p>Average weekly covered earnings are based on the insured's best 3 years of earnings in the last 5 years before the disability began.</p>
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<p>The maximum weekly earnings for benefit calculation purposes are G$24,064.</p>
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<p>The minimum pension is equal to 40% of the minimum wage.</p>
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<p>The public sector minimum wage is G$26,070.</p>
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<p>The maximum pension is equal to 60% of the insured's average weekly covered earnings.</p>
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<p>Constant-attendance allowance: G$200 a day is paid if the insured is dependent on the care and attendance of another person for carrying out daily activities.</p>
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<p><span class="h4">Disability grant:</span> The grant is equal to 1/12 of the insured's average annual covered earnings for each <span class="nobr">50-week</span> period of paid or credited contributions.</p>
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<p>Average weekly covered earnings are based on the insured's best 3 years of earnings in the last 5 years before the disability began.</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)</span>'s pension is equal to 50% of the pension paid or payable to the deceased.</p>
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<p>Child's supplement: 16.6% of the deceased's pension is paid for each child, up to a maximum of three children.</p>
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<p><span class="h4">Full orphan's pension:</span> Each full orphan receives a pension equal to 33.3% of the pension paid or payable to the deceased, up to a maximum of three orphans.</p>
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<p>All survivor benefits combined must not exceed 100% of the deceased's pension.</p>
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<p><span class="h4">Survivor grant:</span> A lump sum is paid if the deceased did not meet the qualifying conditions for a pension but would have been entitled to an old-age grant or disability grant.</p>
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<p><span class="h4">Funeral grant:</span> G$15,565 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>Minister of Finance provides general supervision.</p>
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<p>Ministry of Labor, Human Services, and Social Security (http://www.sdnp.org.gy/mohss) 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 (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 public- and private-sector employees and self-employed persons between ages 16 and 59.</p>
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<p>Exclusions: Employed persons earning less than G$7.50 a week, casual employees, 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">Self-employed 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; contributes 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> The insured must be younger than age 60, have been in covered employment in 8 of the 13 weeks before the incapacity began, and have 50 weeks of contributions.</p>
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<p><span class="h4">Cash maternity benefits:</span> The insured must have at least 15 weeks of contributions, including 7 in 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> Paid to an insured woman who does not satisfy the contributions qualifying condition for a maternity benefit but whose insured husband does.</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 70% of average weekly covered earnings and is paid from the fourth day of incapacity for a maximum of 26 weeks.</p>
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<p>Average weekly covered earnings are calculated on the basis of the best 8 weeks of earnings in the 13 weeks before the incapacity began.</p>
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<p><span class="h4">Maternity benefit:</span> The benefit is equal to 70% of average weekly covered earnings and is paid for 13 weeks, including the week of childbirth plus 6 weeks before and 6 weeks after; may be extended for up to 13 additional weeks in the event of complications arising out of childbirth.</p>
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<p>Average weekly covered earnings are calculated on the basis of the best 7 weeks of earnings in the 26 weeks before the start of the benefit.</p>
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<p><span class="h4">Maternity grant:</span> A lump sum of G$2,000 is paid.</p>
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<h3>Workers' Medical Benefits</h3>
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<p><span class="h4">Medical benefits:</span> No statutory benefits are provided.</p>
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<p>Medical care is available in public hospitals and health centers. Medical care involves cost sharing on an income-tested basis.</p>
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<h3>Dependents' Medical Benefits</h3>
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<p><span class="h4">Medical benefits for dependents:</span> No statutory benefits are provided.</p>
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<p>Medical care is available in public hospitals and health centers. Medical care involves cost sharing on an income-tested basis.</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>Ministry of Labor, Human Services, and Social Security (http://www.sdnp.org.gy/mohss) 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 (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 public- and private-sector employees.</p>
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<p>Exclusions: Employed persons earning less than G$7.50 a week, casual employees, family labor, and self-employed persons.</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">Self-employed person:</span> Not applicable.</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 covered earnings to finance work injury benefits for workers younger than age 16 or older than age 59.</p>
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<p><span class="h4">Government:</span> None; contributes 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>The benefit is equal to 70% of average weekly covered earnings and is paid retrospectively after the first day if the injury lasts for more than 3 days, for up to 26 weeks.</p>
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<p>Average weekly covered earnings are calculated on the basis of the best 8 weeks of earnings in the 13 weeks before the disability began.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Permanent disability pension:</span> For a total disability (100%), the pension is equal to 70% of average weekly covered earnings.</p>
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<p>Average weekly covered earnings are calculated on the basis of the best 8 weeks of earnings in the 13 weeks before the disability began.</p>
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<p>Constant-attendance allowance: G$200 a day is paid if the insured is dependent on the care and attendance of another person for carrying out daily activities.</p>
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<p>Partial disability: If the assessed degree of disability is at least 15%, a reduced pension is paid according to the assessed degree of disability. If the assessed degree of disability is less than 15%, a lump sum is paid equal to 260 times the weekly disability benefit times the assessed degree of disability.</p>
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<p>The assessed degree of disability is reviewed by the National Insurance Medical Board when required.</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> The pension is equal to 35% of the deceased's weekly earnings for a <span class="nobr">widow(er)</span> or parent and 11.6% for each other dependent, up to a maximum of 70% of the deceased's weekly earnings.</p>
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<p>Eligible survivors are the deceased's spouse, a dependent parent, and any other dependent person.</p>
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<p>The minimum pension for a <span class="nobr">widow(er)</span> or parent is equal to 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> Each full orphan younger than age 18 receives a pension equal to 23.3% of the deceased's weekly earnings.</p>
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<p>The minimum orphan's pension is equal to 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 is paid 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>Under the direction of the National Insurance Board, the National Insurance Scheme administers the program.</p>
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