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<h1>Social Security Programs Throughout the World: The Americas, 2009</h1>
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<h1>British Virgin Islands</h1>
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<div class="exchangeRate">Exchange rate: Currency is the <abbr class="spell">US</abbr> dollar (<abbr class="spell">US</abbr>$).</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>Voluntary coverage is possible.</p>
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<h3>Source of Funds</h3>
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<p><span class="h4">Insured person:</span> 3.25% of covered monthly earnings; 7% of monthly earnings for voluntary contributors.</p>
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<p>The maximum annual earnings for contribution calculation purposes are $33,800 ($35,490 from January 2010).</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 calculation purposes are $33,800 ($35,490 from January 2010).</p>
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<p><span class="h4">Employer:</span> 3.25% of covered monthly payroll.</p>
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<p>The maximum annual earnings for contribution calculation purposes are $33,800 ($35,490 from January 2010).</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"><span class="nobr">Old-age</span> pension:</span> Age 65 with at least 500 weeks of contributions.</p>
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<p><span class="h4"><span class="nobr">Old-age</span> grant:</span> Age 65 with at least 50 weeks of contributions and ineligible for any periodic benefit.</p>
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<p><span class="nobr">Old-age</span> benefits are payable abroad.</p>
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<p><span class="h4">Disability pension:</span> Younger than age 65 with at least 250 weeks of contributions and assessed with a permanent incapacity for any work.</p>
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<p>The degree of disability is assessed every 6 months by a 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, assessed with a permanent incapacity for any work, and ineligible for any periodic benefit.</p>
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<p>Disability benefits are payable abroad.</p>
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<p><span class="h4">Survivor pension:</span> The deceased was a pensioner or was entitled to a pension at the time of death.</p>
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<p>Eligible survivors are <span class="nobr">widow(er)s</span> 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>Survivor benefits are payable abroad.</p>
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<p><span class="h4">Survivor grant:</span> Paid 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> Paid for the death of insured persons or their dependents. The insured must have at least 26 weeks of paid contributions.</p>
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<h3><span class="nobr">Old-Age</span> Benefits</h3>
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<p><span class="h4"><span class="nobr">Old-age</span> pension:</span> The pension is 30% of average covered earnings plus 1% of average covered earnings for every <span class="nobr">50-week</span> period of contributions exceeding 500 weeks.</p>
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<p>Average covered earnings are based on the sum of earnings in the best 7 years of contributions in the last 15 years or less before retirement divided by seven. (In 2010, the calculations will be based on the best 8 years; in 2011, 9 years; and in 2012, 10 years.)</p>
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<p>The maximum annual earnings for benefit calculation purposes are $33,800 ($35,490 from January 2010).</p>
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<p>The minimum <span class="nobr">old-age</span> pension is $260.</p>
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<p>The maximum <span class="nobr">old-age</span> pension is 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"><span class="nobr">Old-age</span> grant:</span> A lump sum of six times average weekly earnings is paid 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 30% of average covered earnings plus 1% of average covered earnings for every <span class="nobr">50-week</span> period of contributions exceeding 500 weeks.</p>
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<p>Average covered earnings are based on the sum of earnings in the best 7 years of contributions in the last 15 years or less before the disability began divided by seven. (In 2010, the calculations will be based on the best 8 years; in 2011, 9 years; and in 2012, 10 years.)</p>
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<p>The maximum annual earnings for benefit calculation purposes are $33,800 ($35,490 from January 2010).</p>
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<p>The minimum disability pension is $260.</p>
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<p>The maximum disability pension is 60% of the insured's average annual covered earnings.</p>
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<p>The disability pension is replaced by the <span class="nobr">old-age</span> pension at age 65.</p>
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<p>The insured may receive the disability pension and the survivor pension. The total amount received is calculated based on 100% of the disability pension plus 50% of the survivor pension, up to 100% of the insured's insurable earnings.</p>
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<p><span class="h4">Disability grant:</span> A lump sum of six times average weekly earnings is paid 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 66.7% of the <span class="nobr">old-age</span> pension the deceased received or was entitled to receive.</p>
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<p><span class="h4">Orphan's pension:</span> The pension is 33.3% of the <span class="nobr">widow(er)'s</span> pension; 66.7% for full orphans.</p>
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<p><span class="h4">Survivor grant:</span> The <span class="nobr">widow(er)'s</span> grant is 66.7% of the <span class="nobr">old-age</span> grant the deceased received or was entitled to receive.</p>
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<p><span class="h4">Orphan's grant:</span> The grant is 33.3% of the <span class="nobr">widow(er)'s</span> grant; 66.7% for full orphans.</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, $450 is paid; for a child aged 1 to 15, $1,950; for persons aged 16 or older, $3,000. The grant is paid to the person who pays for the funeral.</p>
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<h3>Administrative Organization</h3>
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<p>A tripartite board of directors appointed by the Minister Responsible for Social Security manages the Social Security Board.</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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<h3>Source of Funds</h3>
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<p><span class="h4">Insured person:</span> 0.75% of covered monthly earnings.</p>
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<p>The maximum weekly and monthly earnings for contribution calculation purposes are $650 and $2,817, 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 calculation purposes are $650 and $2,817, respectively.</p>
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<p><span class="h4">Employer:</span> 0.75% of covered monthly payroll.</p>
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<p>The maximum weekly and monthly earnings for contribution calculation purposes are $650 and $2,817, 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> The insured must have at least 26 weeks of contributions, including at least 8 weeks of contributions in the 13 weeks before the incapacity began.</p>
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<p><span class="h4">Cash maternity benefits:</span> The insured must have at least 26 weeks of contributions, including at least 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 at least 26 weeks of contributions. The grant is paid to the mother or her husband or cohabiting partner. A cohabiting partner must have lived with the mother for at least 2 years. Each eligible parent receives a full maternity grant.</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 66.7% of average weekly covered earnings and is paid after a <span class="nobr">3-day</span> waiting period for up to 26 weeks.</p>
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<p>Average weekly covered earnings are based on covered earnings in the 13 weeks before the incapacity began.</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 $433 ($455 in 2010).</p>
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<p><span class="h4">Maternity benefit:</span> The benefit is 66.7% of average weekly covered earnings in the 39 weeks before the expected date of childbirth. The benefit is paid 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 covered earnings are based on covered 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 $433 ($455 in 2010).</p>
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<p><span class="h4">Maternity grant:</span> A lump sum of $300 is paid 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>A tripartite board of directors appointed by the Minister Responsible for Social Security manages the Social Security Board.</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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<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 annual earnings for contribution calculation purposes are $33,800 ($35,490 from January 2010).</p>
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<p><span class="h4">Employer:</span> 0.5% of covered monthly payroll (including on behalf of employees aged 65 or older).</p>
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<p>The maximum annual earnings for contribution calculation purposes are $33,800 ($35,490 from January 2010).</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 75% of average weekly covered earnings and is paid for up to 26 weeks.</p>
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<p>The maximum weekly temporary disability benefit is $488 ($512 in 2010).</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Permanent disability benefit:</span> For a total disability (100%), the benefit is 75% of average weekly covered earnings and is paid for up to 26 weeks.</p>
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<p>The maximum weekly permanent disability benefit is $488 ($512 in 2010).</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 a 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; medicine; prostheses (including maintenance and repair); and the cost of transportation to and from 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 75% of the pension the deceased received or would have been entitled to received. The surviving spouse receives 50% 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 16.7% of the maximum survivor pension.</p>
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<p><span class="h4">Other eligible survivors:</span> Up to 50% 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 $3,000 is paid to the person who paid for the funeral.</p>
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<h3>Administrative Organization</h3>
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<p>A tripartite board of directors appointed by the Minister Responsible for Social Security manages the Social Security Board.</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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