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<h1>Social Security Programs Throughout the World: The Americas, 2015</h1>
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<div class="innards">
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<h1>Grenada</h1>
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<div class="exchangeRate">Exchange rate: <abbr class="spell">US</abbr>$1.00 = 2.70 East Caribbean dollars (<abbr class="spell">EC</abbr>$).</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> 1969 (provident fund).</p>
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<p><span class="h4">Current law:</span> 1983 (social insurance).</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>Public- and private-sector employees and self-employed persons.</p>
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<p>Voluntary coverage is available</p>
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<p>Source of Funds</p>
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<p><span class="h4">Insured person:</span> 4% of gross earnings.</p>
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<p>There are no minimum earnings used to calculate contributions.</p>
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<p>The maximum monthly earnings used to calculate contributions are <abbr class="spell">EC</abbr>$5,000.</p>
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<p>The insured's contributions also finance sickness and maternity benefits.</p>
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<p><span class="h4">Self-employed person:</span> 8% of monthly gross earnings; 6.75% for the voluntarily insured.</p>
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<p>There are no minimum earnings used to calculate contributions.</p>
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<p>The maximum monthly earnings used to calculate contributions are <abbr class="spell">EC</abbr>$5,000.</p>
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<p>The self-employed person's contributions also finance sickness, maternity, and work injury benefits.</p>
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<p><span class="h4">Employer:</span> 4% of gross payroll; 1% for insured persons younger than age 16 and aged 60 or older.</p>
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<p>There are no minimum earnings used to calculate contributions.</p>
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<p>The maximum monthly earnings used to calculate contributions are <abbr class="spell">EC</abbr>$5,000.</p>
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<p>The employer's contributions also finance sickness and maternity benefits.</p>
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<p><span class="h4">Government:</span> 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 60 with at least 500 weeks of coverage, including at least 150 weeks of paid contributions.</p>
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<p><span class="h4">Old-age grant:</span> Age 60 with at least 50 weeks of paid or credited contributions but less than 500 weeks of coverage.</p>
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<p>Old-age benefits are payable abroad.</p>
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<p><span class="h4">Disability pension:</span> Younger than age 60 with at least 150 weeks of paid contributions and assessed with a permanent incapacity for work.</p>
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<p><span class="h4">Disability grant:</span> Younger than age 60 with at least 50 weeks but less than 150 weeks of paid contributions and assessed with a permanent incapacity for work.</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 received or was entitled to receive an <span class="nobr">old-age</span> or disability pension at the time of death.</p>
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<p>Eligible survivors include a <span class="nobr">widow(er)</span> or common-law spouse who was married to the deceased for at least three years, children younger than age 16 (age 21 if a <span class="nobr">full-time</span> student), and dependent parents.</p>
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<p>The <span class="nobr">widow(er)'s</span> pension ceases on remarriage or cohabitation.</p>
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<p><span class="h4">Survivor grant:</span> The deceased received or was entitled to receive an <span class="nobr">old-age</span> or disability grant at the time of death.</p>
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<p>Eligible survivors include a <span class="nobr">widow(er)</span> who was married to the deceased for at least three years, children younger than age 16 (age 21 if a <span class="nobr">full-time</span> student), and dependent parents.</p>
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<p>Survivor benefits are payable abroad.</p>
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<p><span class="h4">Funeral grant:</span> The deceased received or was entitled to receive an <span class="nobr">old-age,</span> disability, sickness, maternity, or work injury benefit at the time of death. Paid to the person who paid for the funeral of the insured, the insured's spouse, or the insured's children younger than age 16 (age 21 if a <span class="nobr">full-time</span> student).</p>
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<h3>Old-Age Benefits</h3>
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<p><span class="h4">Old-age pension:</span> 30% of the insured's average weekly earnings plus 1% of the insured's average weekly earnings for each <span class="nobr">50-week</span> period of contributions exceeding 500 weeks is paid.</p>
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<p>Average weekly earnings are the insured's average annual earnings in the best five years divided by 52.</p>
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<p>The minimum weekly pension is <abbr class="spell">EC</abbr>$46.40.</p>
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<p>The maximum weekly pension is <abbr class="spell">EC</abbr>$491.30.</p>
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<p>Average weekly earnings are the insured's average annual earnings in the best five years divided by 52.</p>
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<p><span class="h4">Old-age grant:</span> A lump sum of five times the insured's average weekly covered earnings for each <span class="nobr">50-week</span> period of paid or credited contributions is paid.</p>
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<p>Average weekly covered earnings are the sum of the insured's weekly earnings for the relevant period divided by the number of weeks.</p>
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<p>Benefit adjustment: Benefits are reviewed periodically.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Disability pension:</span> 30% of the insured's average weekly earnings plus 1% of the insured's average weekly earnings for each <span class="nobr">50-week</span> period of contributions exceeding 500 weeks is paid.</p>
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<p>Average weekly earnings are the insured's average annual earnings in the best five years divided by 52.</p>
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<p>The minimum weekly pension is <abbr class="spell">EC</abbr>$46.40.</p>
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<p>The maximum weekly pension is 60% of average earnings.</p>
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<p><span class="h4">Disability grant:</span> A lump sum of five times the insured's average weekly covered earnings for each <span class="nobr">50-week</span> period of paid or credited contributions is paid.</p>
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<p>Average weekly covered earnings are the sum of the insured's weekly earnings for the relevant period divided by the number of weeks.</p>
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<p>Benefit adjustment: Benefits are reviewed periodically.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Spouse's pension:</span> 75% of the <span class="nobr">old-age</span> or disability pension the deceased received or was entitled to receive is paid to a <span class="nobr">widow(er)</span> or common-law spouse. The pension is paid for a year to a <span class="nobr">widow(er)</span> or common-law spouse who is younger than age 50.</p>
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<p>The spouse's pension ceases on cohabitation.</p>
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<p>If the surviving spouse is eligible for an <span class="nobr">old-age</span> or disability pension and a survivor pension, the total amount received is 100% of the <span class="nobr">old-age</span> or disability pension plus 50% of the survivor pension.</p>
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<p><span class="h4">Orphan's pension:</span> 25% of the <span class="nobr">old-age</span> or disability pension the deceased received or was entitled to receive is paid for each eligible child; 50% each if disabled or a full orphan.</p>
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<p>The minimum weekly orphan's pension is <abbr class="spell">EC</abbr>$19.70.</p>
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<p><span class="h4">Parent's pension:</span> Up to 25% of the <span class="nobr">old-age</span> or disability pension the deceased received or was entitled to receive is paid for a dependent parent.</p>
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<p>All survivor benefits combined must not exceed 100% of the <span class="nobr">old-age</span> or disability pension the deceased received or was entitled to receive.</p>
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<p><span class="h4">Survivor grant:</span> A lump sum of five times the insured's average weekly covered earnings for each <span class="nobr">50-week</span> period of paid or credited contributions is paid. The pension is paid for a year to a <span class="nobr">widow(er)</span> who is younger than age 50.</p>
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<p>Average weekly covered earnings are the sum of the insured's weekly earnings for the relevant period divided by the number of weeks.</p>
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<p><span class="h4">Funeral grant:</span> <abbr class="spell">EC</abbr>$2,320 is paid for the insured's funeral; <abbr class="spell">EC</abbr>$1,740 for the funeral of the insured's spouse; and <abbr class="spell">EC</abbr>$870 for the funeral of the insured's child.</p>
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<p>Benefit adjustment: Benefits are reviewed periodically.</p>
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<h3>Administrative Organization</h3>
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<p>Ministry of Health and Social Security provides general supervision.</p>
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<p>National Insurance Scheme (<a href="https://www.nisgrenada.org">http://www.nisgrenada.org</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 and current laws:</span> 1980 (maternity leave), 1983 (social insurance), and 1999 (employment act).</p>
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<p><span class="h4">Type of program:</span> Social insurance (cash sickness, cash maternity, and medical benefits) and employer-liability (cash maternity benefits) system.</p>
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<h3>Coverage</h3>
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<p>Public- and private-sector employees 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></p>
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<p><span class="h5">Cash sickness, cash maternity, and medical benefits (social insurance):</span> See source of funds under Old Age, Disability, and Survivors.</p>
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<p><span class="h5">Cash maternity (employer liability):</span> None.</p>
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<p><span class="h4">Self-employed person</span></p>
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<p><span class="h5">Cash sickness, cash maternity, and medical benefits (social insurance):</span> See source of funds under Old Age, Disability, and Survivors.</p>
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<p><span class="h5">Cash maternity (employer liability):</span> None.</p>
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<p><span class="h4">Employer</span></p>
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<p>Cash sickness, cash maternity, and medical benefits (social insurance): See source of funds under Old Age, Disability, and Survivors.</p>
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<p><span class="h5">Cash maternity (employer liability):</span> The total cost.</p>
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<p><span class="h4">Government</span></p>
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<p><span class="h5">Cash sickness, cash maternity, and medical benefits (social insurance):</span> See source of funds under Old Age, Disability, and Survivors.</p>
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<p>Cash maternity (employer liability): Not applicable</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Cash sickness benefits (social insurance):</span> Must have been employed on the day before the incapacity began and have at least 13 weeks of contributions, including eight weeks in the 13 weeks before the incapacity began.</p>
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<p><span class="h4">Cash maternity benefits (social insurance):</span> Must have at least 30 weeks of contributions, including 20 weeks in the <span class="nobr">30-week</span> period immediately before the expected date of childbirth.</p>
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<p><span class="h4">Cash maternity benefits (employer liability):</span> Must have worked at least 18 months with the same employer (105 days in the last 18 months for a worker who is paid daily).</p>
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<p><span class="h4">Maternity grant (social insurance):</span> Paid to an insured woman or the insured husband of an uninsured woman. The insured person must have at least 50 weeks of paid contributions.</p>
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<h3>Sickness and Maternity Benefits</h3>
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<p><span class="h4">Sickness benefit (social insurance):</span> 65% of the insured's average weekly covered earnings in the 13 weeks before the incapacity began is paid from the first day of incapacity for up to 26 weeks; for up to 52 weeks with at least 150 weeks of paid or credited contributions, including at least 75 weeks in the last three years.</p>
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<p><span class="h4">Maternity benefit (social insurance):</span> 65% of average weekly covered earnings in the 30 weeks before the start of the benefit is paid for up to 12 weeks, beginning up to six weeks before the expected date of childbirth.</p>
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<p>The minimum maternity benefit is <abbr class="spell">EC</abbr>$522.</p>
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<p><span class="h4">Cash maternity benefits (employer liability):</span> The employer provides a benefit of up to 40% of the insured's average covered earnings for two months of the three-month maternity leave period. Only paid every two years up to a maximum of three.</p>
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<p><span class="h4">Maternity grant (social insurance):</span> At least <abbr class="spell">EC</abbr>$522 is paid.</p>
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<p>Benefit adjustment: Benefits are reviewed periodically.</p>
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<h3>Workers' Medical Benefits</h3>
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<p><span class="h4">Medical benefits (social insurance):</span> Public hospitals and community health facilities provide free public health care. Fees may be charged for <span class="nobr">X-rays</span> and laboratory tests.</p>
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<h3>Dependents' Medical Benefits</h3>
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<p>Medical benefits for dependents are the same as those for the insured.</p>
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<h3>Administrative Organization</h3>
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<p><span class="h4">Social insurance system</span></p>
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<p>Ministry of Health and Social Security (http://health.gov.gd) provides general supervision and administers the public health system.</p>
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<p>National Insurance Scheme (<a href="https://www.nisgrenada.org">http://www.nisgrenada.org</a>) administers sickness and maternity benefits.</p>
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<p><span class="h4">Employer liability system</span></p>
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<p>Ministry of Labour provides general supervision.</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 laws:</span> 1982 (workmen's compensation) and 1983 (social insurance).</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>Public- and private-sector employees 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> None.</p>
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<p><span class="h4">Self-employed person:</span> 1% of gross earnings.</p>
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<p><span class="h4">Employer:</span> 1% of gross payroll.</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>70% of the insured's average weekly covered earnings in the last 13 weeks is paid from the day of the accident or certified onset of the occupational disease until recovery, for up to 52 weeks.</p>
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<p>A doctor assesses the degree of disability.</p>
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<p>Benefit adjustment: Benefits are reviewed periodically.</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, 70% of the insured's average weekly covered earnings in the last 13 weeks is paid. For an assessed degree of disability of 30% to 99%, the benefit is reduced proportionately according to the assessed degree of disability.</p>
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<p>A lump sum is paid for an assessed degree of disability of 1% to 29%.</p>
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<p>There is no maximum duration for the benefit.</p>
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<p>Constant-attendance allowance: 50% of the permanent disability benefit is paid if the insured is assessed with a total (100%) disability and requires the constant attendance of others to perform daily functions.</p>
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<p>A doctor assesses the degree of disability.</p>
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<p>Benefit adjustment: Benefits are reviewed periodically.</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; overseas treatment; and the cost of transportation for medical services.</p>
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<p>The costs of medical treatment abroad are fully reimbursed with prior approval from the National Insurance Board or up to <abbr class="spell">EC</abbr>$1,000 without approval.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Spouse's pension:</span> 75% of the permanent disability pension the deceased received or was entitled to receive is paid to a <span class="nobr">widow(er).</span></p>
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<p>The pension ceases on remarriage or cohabitation.</p>
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<p><span class="h4">Orphan's pension:</span> 25% of the permanent disability pension the deceased received or was entitled to receive is paid to each child younger than age 16 (age 21 if a <span class="nobr">full-time</span> student); 50% to each disabled or full orphan.</p>
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<p>The minimum weekly orphan's pension is <abbr class="spell">EC</abbr>$19.70.</p>
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<p><span class="h4">Other dependent's pension:</span> 50% of the permanent disability pension the deceased received or was entitled to receive is paid if the survivor was totally dependent on the insured; 25% if partially dependent. The pension is paid for up to 52 weeks from the insured's date of death.</p>
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<p>The minimum weekly dependent's pension is <abbr class="spell">EC</abbr>$19.70.</p>
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<p>All survivor benefits combined must not exceed 100% of the permanent disability pension the deceased received or was entitled to receive.</p>
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<p><span class="h4">Funeral grant:</span> A lump sum of <abbr class="spell">EC</abbr>$2,320 is paid to the person who paid for the insured's funeral; <abbr class="spell">EC</abbr>$1,740 for the funeral of the insured's spouse; and <abbr class="spell">EC</abbr>$870 for the funeral of the insured's child.</p>
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<p>Benefit adjustment: Benefits are reviewed periodically.</p>
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<h3>Administrative Organization</h3>
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<p>Ministry of Health and Social Security provides general supervision.</p>
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<p>National Insurance Scheme (<a href="https://www.nisgrenada.org">http://www.nisgrenada.org</a>) administers the program.</p>
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<h2>Unemployment</h2>
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<h3>Regulatory Framework</h3>
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<p>Under the Labour Act (1999) employers are required to provide severance pay to a dismissed employee who has completed at least one year of continuous employment with that employer. One week's wages is paid for each completed year of service.</p>
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