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<h1>Social Security Programs Throughout the World: The Americas, 2013</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>Employed and self-employed persons.</p>
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<p>Voluntary coverage is available.</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. The voluntarily insured contribute 7% of monthly earnings.</p>
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<p>The maximum annual earnings used to calculate contributions are $37,944.</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 used to calculate contributions are $37,944.</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 used to calculate contributions are $37,944.</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 at least 500 weeks of contributions.</p>
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<p><span class="h4">Old-age grant:</span> Age 65 with at least 50 weeks of contributions and did not qualify for an <span class="nobr">old-age</span> or disability pension.</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>A medical doctor assesses the degree of disability every six months.</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 did not qualify for an <span class="nobr">old-age</span> or disability pension.</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 had at least 250 weeks of contributions or was a pensioner at the time of death.</p>
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<p>Eligible survivors include a <span class="nobr">widow(er)</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 did not qualify for an <span class="nobr">old-age</span> or disability 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>Old-Age Benefits</h3>
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<p><span class="h4">Old-age pension:</span> 30% of average annual covered earnings plus 1% of average covered earnings for every <span class="nobr">50-week</span> period of contributions exceeding 500 weeks is paid.</p>
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<p>Average annual covered earnings are the sum of earnings in the best 11 years in the last 15 years of contributions (or the total years of contributions, if less) before retirement divided by 11.</p>
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<p>The maximum annual earnings used to calculate benefits are $37,944.</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 is not necessary.</p>
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<p>The insured may receive the <span class="nobr">old-age</span> pension and the survivor pension at the same time. The total amount received is 100% of the <span class="nobr">old-age</span> 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">Old-age grant:</span> A lump sum of six times average weekly earnings for every <span class="nobr">50-week</span> period of contributions from 51 to 499 weeks is paid.</p>
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<p>Retirement is not necessary.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Disability pension:</span> 30% of average annual covered earnings plus 1% of average covered earnings for every <span class="nobr">50-week</span> period of contributions exceeding 500 weeks is paid.</p>
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<p>Average annual covered earnings are the sum of earnings in the best 11 years in the last 15 years of contributions (or the total years of contributions, if less) before retirement divided by 11.</p>
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<p>The maximum annual earnings used to calculate benefits are $37,944.</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 at the same time. The total amount received is 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 for every <span class="nobr">50-week</span> period of contributions from 51 to 499 weeks is paid.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Spouse's pension:</span> 66.7% of the <span class="nobr">old-age</span> pension the deceased received or was entitled to receive is paid to a <span class="nobr">widow(er)</span> or cohabiting partner who lived with the deceased for at least three years.</p>
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<p><span class="h4">Orphan's pension:</span> 33.3% of the spouse's pension is paid; 66.7% for full orphans.</p>
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<p><span class="h4">Spouse's grant:</span> 66.7% of the <span class="nobr">old-age</span> grant the deceased received or was entitled to receive is paid to a <span class="nobr">widow(er)</span> or cohabiting partner who lived with the deceased for at least three years.</p>
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<p><span class="h4">Orphan's grant:</span> 33.3% of the spouse's grant is paid; 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>Social Security Board (<a href="https://www.vissb.vg/">http://www.bvissb.vg</a>), managed by a tripartite board of directors appointed by the Minister of Health and Social Development, 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>Employed and <span class="nobr">self-employed</span> persons.</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 used to calculate contributions are $729.70 and $3,162, 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 used to calculate contributions are $729.70 and $3,162, 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 used to calculate contributions are $729.70 and $3,162, 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 at least 26 weeks of contributions, including eight weeks of contributions in the 13 weeks before the incapacity began.</p>
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<p><span class="h4">Cash maternity benefits:</span> Must have at least 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> Must have at least 26 weeks of contributions.</p>
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<p>Eligible parents include the mother, her husband, or her cohabiting partner who has lived with her for at least two years.</p>
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<h3>Sickness and Maternity Benefits</h3>
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<p><span class="h4">Sickness benefit:</span> 66.7% of average weekly covered earnings in the 13 weeks before the incapacity began is paid after a <span class="nobr">three-day</span> waiting period for up to 26 weeks.</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 $464.12.</p>
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<p><span class="h4">Maternity benefit:</span> 66.7% of average weekly covered earnings in the 39 weeks before the expected date of childbirth is paid for up to 13 weeks, beginning no earlier than six 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 $486.</p>
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<p><span class="h4">Maternity grant:</span> A lump sum of $300 per child is paid to each eligible parent.</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>Social Security Board (<a href="https://www.vissb.vg/">http://www.bvissb.vg</a>), managed by a tripartite board of directors appointed by the Minister of Health and Social Development, 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>Employed and <span class="nobr">self-employed</span> persons.</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 used to calculate contributions are $37,944.</p>
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<p><span class="h4">Employer:</span> 0.5% of covered monthly payroll.</p>
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<p>The maximum annual earnings used to calculate contributions are $37,944.</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.</p>
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<h3>Temporary Disability Benefits</h3>
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<p>75% of average weekly covered earnings is paid for up to 26 weeks.</p>
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<p>The maximum weekly temporary disability benefit is $547.</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 (100%) disability, 75% of average weekly covered earnings is paid for up to 26 weeks.</p>
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<p>The maximum weekly permanent disability benefit is $547.</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>A medical doctor assesses the degree of disability every six months.</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">Spouse's pension:</span> 50% of the maximum survivor pension is paid to a <span class="nobr">widow(er)</span> or a cohabiting partner who lived with the deceased for at least three years.</p>
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<p>The maximum survivor pension is 75% of the deceased's average weekly earnings.</p>
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<p>The survivor pension ceases on remarriage or cohabitation.</p>
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<p><span class="h4">Orphan's pension:</span> 16.7% of the maximum survivor pension is paid to each orphan younger than age 15 (age 21 if a student, no limit if disabled).</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>Social Security Board (<a href="https://www.vissb.vg/">http://www.bvissb.vg</a>), managed by a tripartite board of directors appointed by the Minister of Health and Social Development, administers the program.</p>
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