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<h1>Social Security Programs Throughout the World: The Americas, 2013</h1>
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<h1>British Virgin Islands</h1>
<div class="exchangeRate">Exchange rate: Currency is the <abbr class="spell">US</abbr> dollar (<abbr class="spell">US</abbr>$).</div>
<h2>Old Age, Disability, and Survivors</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First law:</span> 1979 (social security).</p>
<p><span class="h4">Current law:</span> 1980 (social security).</p>
<p><span class="h4">Type of program:</span> Social insurance system.</p>
<h3>Coverage</h3>
<p>Employed and self-employed persons.</p>
<p>Voluntary coverage is available.</p>
<h3>Source of Funds</h3>
<p><span class="h4">Insured person:</span> 3.25% of covered monthly earnings. The voluntarily insured contribute 7% of monthly earnings.</p>
<p>The maximum annual earnings used to calculate contributions are $37,944.</p>
<p><span class="h4">Self-employed person:</span> 8.5% of declared monthly earnings.</p>
<p>The maximum annual earnings used to calculate contributions are $37,944.</p>
<p><span class="h4">Employer:</span> 3.25% of covered monthly payroll.</p>
<p>The maximum annual earnings used to calculate contributions are $37,944.</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;65 with at least 500&nbsp;weeks of contributions.</p>
<p><span class="h4">Old-age grant:</span> Age&nbsp;65 with at least 50&nbsp;weeks of contributions and did not qualify for an <span class="nobr">old-age</span> or disability pension.</p>
<p><span class="nobr">Old-age</span> benefits are payable abroad.</p>
<p><span class="h4">Disability pension:</span> Younger than age&nbsp;65 with at least 250&nbsp;weeks of contributions and assessed with a permanent incapacity for any work.</p>
<p>A medical doctor assesses the degree of disability every six months.</p>
<p><span class="h4">Disability grant:</span> Younger than age&nbsp;65 with at least 50&nbsp;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>
<p>Disability benefits are payable abroad.</p>
<p><span class="h4">Survivor pension:</span> The deceased had at least 250&nbsp;weeks of contributions or was a pensioner at the time of death.</p>
<p>Eligible survivors include a <span class="nobr">widow(er)</span> aged&nbsp;40 or older or caring for a dependent child younger than age&nbsp;15 (age&nbsp;21 if a student) and orphans younger than age&nbsp;15 (age&nbsp;21 if a student).</p>
<p>Survivor benefits are payable abroad.</p>
<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&nbsp;weeks of contributions.</p>
<p><span class="h4">Funeral grant:</span> Paid for the death of insured persons or their dependents. The insured must have at least 26&nbsp;weeks of paid contributions.</p>
<h3>Old-Age Benefits</h3>
<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&nbsp;weeks is paid.</p>
<p>Average annual covered earnings are the sum of earnings in the best 11&nbsp;years in the last 15&nbsp;years of contributions (or the total years of contributions, if less) before retirement divided by 11.</p>
<p>The maximum annual earnings used to calculate benefits are $37,944.</p>
<p>The minimum <span class="nobr">old-age</span> pension is $260.</p>
<p>The maximum <span class="nobr">old-age</span> pension is 60% of the insured's average annual covered earnings.</p>
<p>Retirement is not necessary.</p>
<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>
<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&nbsp;weeks is paid.</p>
<p>Retirement is not necessary.</p>
<h3>Permanent Disability Benefits</h3>
<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&nbsp;weeks is paid.</p>
<p>Average annual covered earnings are the sum of earnings in the best 11&nbsp;years in the last 15&nbsp;years of contributions (or the total years of contributions, if less) before retirement divided by 11.</p>
<p>The maximum annual earnings used to calculate benefits are $37,944.</p>
<p>The minimum disability pension is $260.</p>
<p>The maximum disability pension is 60% of the insured's average annual covered earnings.</p>
<p>The disability pension is replaced by the <span class="nobr">old-age</span> pension at age&nbsp;65.</p>
<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>
<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&nbsp;weeks is paid.</p>
<h3>Survivor Benefits</h3>
<p><span class="h4">Spouse's&nbsp;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>
<p><span class="h4">Orphan's pension:</span> 33.3% of the spouse's pension is paid; 66.7% for full orphans.</p>
<p><span class="h4">Spouse's&nbsp;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>
<p><span class="h4">Orphan's grant:</span> 33.3% of the spouse's grant is paid; 66.7% for full orphans.</p>
<p><span class="h4">Funeral grant:</span> The grant depends on the age of the person at death. For a child younger than age&nbsp;1, $450 is paid; for a child aged&nbsp;1 to 15, $1,950; for persons aged&nbsp;16 or older, $3,000. The grant is paid to the person who pays for the funeral.</p>
<h3>Administrative Organization</h3>
<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>
<h2>Sickness and Maternity</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First law:</span> 1979 (social security).</p>
<p><span class="h4">Current law:</span> 1980 (social security).</p>
<p><span class="h4">Type of program:</span> Social insurance system. Cash benefits only.</p>
<h3>Coverage</h3>
<p>Employed and <span class="nobr">self-employed</span> persons.</p>
<h3>Source of Funds</h3>
<p><span class="h4">Insured person:</span> 0.75% of covered monthly earnings.</p>
<p>The maximum weekly and monthly earnings used to calculate contributions are $729.70 and $3,162, respectively.</p>
<p><span class="h4">Self-employed person:</span> 1.5% of declared monthly earnings.</p>
<p>The maximum weekly and monthly earnings used to calculate contributions are $729.70 and $3,162, respectively.</p>
<p><span class="h4">Employer:</span> 0.75% of covered monthly payroll.</p>
<p>The maximum weekly and monthly earnings used to calculate contributions are $729.70 and $3,162, respectively.</p>
<p><span class="h4">Government:</span> None; contributes as an employer.</p>
<h3>Qualifying Conditions</h3>
<p><span class="h4">Cash sickness benefits:</span> Must have at least 26&nbsp;weeks of contributions, including eight weeks of contributions in the 13&nbsp;weeks before the incapacity began.</p>
<p><span class="h4">Cash maternity benefits:</span> Must have at least 26&nbsp;weeks of contributions, including 20&nbsp;weeks of contributions in the 39&nbsp;weeks before the expected date of childbirth.</p>
<p><span class="h4">Maternity grant:</span> Must have at least 26&nbsp;weeks of contributions.</p>
<p>Eligible parents include the mother, her husband, or her cohabiting partner who has lived with her for at least two years.</p>
<h3>Sickness and Maternity Benefits</h3>
<p><span class="h4">Sickness benefit:</span> 66.7% of average weekly covered earnings in the 13&nbsp;weeks before the incapacity began is paid after a <span class="nobr">three-day</span> waiting period for up to 26&nbsp;weeks.</p>
<p>There is no minimum weekly sickness benefit.</p>
<p>The maximum weekly sickness benefit is $464.12.</p>
<p><span class="h4">Maternity benefit:</span> 66.7% of average weekly covered earnings in the 39&nbsp;weeks before the expected date of childbirth is paid for up to 13&nbsp;weeks, beginning no earlier than six weeks before the expected date of childbirth.</p>
<p>There is no minimum weekly maternity benefit.</p>
<p>The maximum weekly maternity benefit is $486.</p>
<p><span class="h4">Maternity grant:</span> A lump sum of $300 per child is paid to each eligible parent.</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>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>
<h2>Work Injury</h2>
<h3>Regulatory Framework</h3>
<p><span class="h4">First and current law:</span> 1994 (employment injury).</p>
<p><span class="h4">Type of program:</span> Social insurance system.</p>
<h3>Coverage</h3>
<p>Employed and <span class="nobr">self-employed</span> persons.</p>
<h3>Source of Funds</h3>
<p><span class="h4">Insured person:</span> None.</p>
<p><span class="h4">Self-employed person:</span> 0.5% of declared monthly earnings.</p>
<p>The maximum annual earnings used to calculate contributions are $37,944.</p>
<p><span class="h4">Employer:</span> 0.5% of covered monthly payroll.</p>
<p>The maximum annual earnings used to calculate contributions are $37,944.</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> There is no minimum qualifying period.</p>
<h3>Temporary Disability Benefits</h3>
<p>75% of average weekly covered earnings is paid for up to 26&nbsp;weeks.</p>
<p>The maximum weekly temporary disability benefit is $547.</p>
<h3>Permanent Disability Benefits</h3>
<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&nbsp;weeks.</p>
<p>The maximum weekly permanent disability benefit is $547.</p>
<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>
<p>A medical doctor assesses the degree of disability every six months.</p>
<p>A lump sum is paid for an assessed degree of disability of less than 30%.</p>
<h3>Workers' Medical Benefits</h3>
<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>
<h3>Survivor Benefits</h3>
<p><span class="h4">Spouse's&nbsp;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>
<p>The maximum survivor pension is 75% of the deceased's average weekly earnings.</p>
<p>The survivor pension ceases on remarriage or cohabitation.</p>
<p><span class="h4">Orphan's pension:</span> 16.7% of the maximum survivor pension is paid to each orphan younger than age&nbsp;15 (age&nbsp;21 if a student, no limit if disabled).</p>
<p><span class="h4">Other eligible survivors:</span> Up to 50% of the maximum survivor pension is split equally among other dependent survivors.</p>
<p><span class="h4">Funeral grant:</span> A lump sum of $3,000 is paid to the person who paid for the funeral.</p>
<h3>Administrative Organization</h3>
<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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