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<h1>Social Security Programs Throughout the World: The Americas, 2015</h1>
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<h1>Guyana</h1>
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<div class="exchangeRate">Exchange rate: <abbr class="spell">US</abbr>$1.00 = 202.00 Guyana dollars (G$).</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 <span class="nobr">(old-age</span> assistance).</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 and social assistance system.</p>
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<p>Note: The Social Security and Senior Citizens Welfare Department administers additional social assistance benefits to the needy, the infirm, and orphans younger than age 16.</p>
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<h3>Coverage</h3>
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<p><span class="h4">Social insurance:</span> Public- and private-sector employees earning at least G$7.50 a week; and self-employed persons.</p>
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<p>Voluntary coverage is available for previously insured persons until age 60.</p>
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<p>Exclusions: Casual employees and family labor.</p>
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<p><span class="h4">Social assistance:</span> Citizens and residents of Guyana.</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">Social insurance:</span> 5.6% of covered earnings. The voluntarily insured contribute 9.3% of average weekly earnings in the last two years before covered employment ceased.</p>
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<p>The maximum weekly earnings used to calculate contributions are G$39,418 (adjusted annually).</p>
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<p>Contributions are paid weekly, every two weeks, or monthly, depending on the type of employment.</p>
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<p>The insured person's contributions also finance cash sickness, maternity, and work injury benefits.</p>
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<p><span class="h5">Social assistance:</span> None.</p>
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<p><span class="h4">Self-employed person</span></p>
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<p><span class="h5">Social insurance:</span> 12.5% of declared income.</p>
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<p>The maximum weekly earnings used to calculate contributions are G$39,418 (adjusted annually).</p>
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<p>Contributions are paid weekly, every two weeks, or monthly, depending on the type 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="h5">Social assistance:</span> None.</p>
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<p><span class="h4">Employer</span></p>
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<p><span class="h5">Social insurance:</span> 8.4% of covered monthly payroll; 1.5% for persons younger than age 16 and aged 60 or older.</p>
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<p>The maximum weekly earnings used to calculate contributions are G$39,418 (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="h5">Social assistance:</span> None.</p>
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<p><span class="h4">Government</span></p>
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<p><span class="h5">Social insurance:</span> Contributes as an employer; covers any deficit.</p>
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<p><span class="h5">Social assistance:</span> The total cost.</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Old-age pension (social insurance):</span> Age 60 with at least 750 weeks of paid or credited contributions, including at least 150 weeks of paid contributions. Twenty-five weeks of contributions are credited for each year that the insured was older than age 35 in 1969, up to 600 weeks.</p>
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<p>Retirement is not necessary.</p>
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<p><span class="h4">Old-age grant (social insurance):</span> Age 60 with less than 750 weeks of contributions, including 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">Old-age pension (social assistance):</span> Age 65 with at least 10 years of residence, including the two years immediately before the claim is made.</p>
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<p><span class="h4">Disability pension (social insurance):</span> Aged 16 to 59 and assessed with an incapacity for work that is likely to remain permanent. Must have at least 250 weeks of paid or credited contributions, including at least 150 weeks of paid contributions; must be incapable of work for at least 26 weeks; and must not be receiving a sickness benefit.</p>
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<p>The National Insurance Medical Board assesses the incapacity for work.</p>
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<p>Constant-attendance allowance: Paid if the insured requires the constant attendance of others to perform daily functions.</p>
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<p><span class="h4">Disability grant (social insurance):</span> Aged 16 to 59 and assessed with an incapacity for work that is likely to remain permanent. Must have at least 50 but less than 150 weeks of paid contributions and have been incapable of work for at least 26 weeks.</p>
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<p>Disability benefits are not payable abroad.</p>
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<p><span class="h4">Survivor pension (social insurance):</span> The deceased received or was entitled to receive an <span class="nobr">old-age</span> or disability pension at the time of death; or was aged 16 to 59 with at least 250 weekly paid or credited contributions, including at least 150 weeks of paid contributions at the time of death.</p>
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<p>Eligible survivors include a widow aged 45 or older, assessed as permanently incapable of work, or who is pregnant with or caring for the deceased's children up to age 16 and resided with or received financial support from the deceased; a dependent widower older than age 55 and assessed as permanently incapable of work; and full orphans younger than age 18 who were dependent on the deceased.</p>
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<p><span class="h4">Survivor grant (social insurance):</span> The deceased received or was entitled to receive an <span class="nobr">old-age</span> or disability grant.</p>
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<p>Eligible survivors include a widow aged 45 or older, assessed as permanently incapable of work, or who is pregnant with or caring for the deceased's children up to age 16 and resided with or received financial support from the deceased; a dependent widower older than age 55 and assessed as permanently incapable of work; full orphans younger than age 18 who were dependent on the deceased; and other dependent family members.</p>
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<p>Survivor benefits are not payable abroad.</p>
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<p><span class="h4">Funeral grant (social insurance):</span> The deceased or his or her spouse had at least 50 weeks of paid contributions at the time of death.</p>
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<h3>Old-Age Benefits</h3>
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<p><span class="h4">Old-age pension (social insurance):</span> 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 weeks is paid.</p>
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<p>Average weekly covered earnings are the insured's best three years of earnings in the last five years before age 60.</p>
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<p>The maximum weekly earnings used to calculate benefits are G$39,418 (adjusted annually).</p>
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<p>The minimum <span class="nobr">old-age</span> pension is 50% of the legal monthly minimum wage for public-sector workers.</p>
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<p>The legal monthly minimum wage for public-sector workers is G$50,000.</p>
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<p>The maximum weekly <span class="nobr">old-age</span> pension is 60% of the insured's average weekly covered earnings.</p>
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<p><span class="h4">Old-age grant (social insurance):</span> A lump sum of 8.33% of the insured's average annual covered earnings multiplied by the number of <span class="nobr">50-week</span> periods of paid or credited contributions is paid.</p>
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<p><span class="h4">Old-age pension (social assistance):</span> G$13,125 a month is paid.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Disability pension (social insurance):</span> The monthly pension is 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 weeks, plus the insured's disability credits.</p>
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<p>Average weekly covered earnings are the insured's best three years of earnings in the last five years before the disability began.</p>
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<p>Disability credits are equal to the difference between the age of the insured when the disability began and age 60, multiplied by 25.</p>
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<p>The maximum weekly earnings used to calculate benefits are G$39,418 (adjusted annually).</p>
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<p>The minimum monthly disability pension is 50% of the legal monthly minimum wage for public-sector workers.</p>
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<p>The legal monthly minimum wage for public-sector workers is G$50,000.</p>
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<p>The maximum weekly disability pension is 60% of the insured's average weekly covered earnings.</p>
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<p>The disability pension is replaced by the <span class="nobr">old-age</span> pension when the insured reaches age 60.</p>
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<p>Constant-attendance allowance: G$200 a day is paid for up to 26 weeks.</p>
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<p><span class="h4">Disability grant (social insurance):</span> A lump sum of 8.33% of the insured's average annual covered earnings multiplied by the number of <span class="nobr">50-week</span> periods of paid or credited contributions is paid.</p>
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<p>Average weekly covered earnings are the insured's best three years of earnings in the last five years before the disability began.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Spouse's pension (social insurance):</span> 50% 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></p>
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<p>The spouse's pension ceases upon remarriage or cohabitation. Upon remarriage, a lump sum of 52 times the weekly spouse's pension is paid.</p>
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<p>Child's supplement: 16.67% of the <span class="nobr">old-age</span> or disability pension the deceased received or was entitled to receive is paid for each child, up to three children.</p>
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<p>The child's supplement continues upon remarriage or cohabitation.</p>
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<p><span class="h4">Full orphan's pension (social insurance):</span> 33.33% of the <span class="nobr">old-age</span> or disability pension the deceased received or was entitled to receive is paid to each full orphan, up to three orphans.</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 (social insurance):</span> A lump sum is paid.</p>
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<p><span class="h4">Funeral grant (social insurance):</span> G$33,385 is paid to the person who pays for 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>National Insurance Scheme (<a href="http://www.nis.org.gy">http://www.nis.org.gy</a>), under the direction of the National Insurance Board, administers the social insurance schemes.</p>
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<p>Department of Social Security and Senior Citizens Welfare Department, under the direction of the Ministry of Labour, Human Services, and Social Security administers the social assistance schemes.</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.</p>
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<h3>Coverage</h3>
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<p>Public- and private-sector employees earning at least G$7.50 a week; self-employed persons; and pensioners (medical benefits).</p>
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<p>Exclusions: 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.</p>
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<p><span class="h4">Self-employed person:</span> See source of funds under Old Age, Disability, and Survivors.</p>
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<p><span class="h4">Employer:</span> See source of funds under Old Age, Disability, and Survivors.</p>
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<p><span class="h4">Government:</span> Contributes as an employer; covers any deficit.</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Cash sickness and medical benefits:</span> Younger than age 60, in covered employment for at least eight of the 13 weeks before the incapacity began, with at least 50 weeks of contributions.</p>
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<p>Pensioners must prove that the medical condition began prior to receiving the <span class="nobr">old-age</span> or disability pension (medical benefits only).</p>
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<p><span class="h4">Cash maternity benefits:</span> Must have at least 15 weeks of contributions, including at least seven in the <span class="nobr">26-week</span> period ending six weeks before the week in which the benefit is claimed.</p>
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<p><span class="h4">Cash maternity grant:</span> Paid to an insured woman or the wife of an insured man with at least 15 weeks of contributions, including at least seven in the <span class="nobr">26-week</span> period ending six weeks before the week in which the benefit is claimed.</p>
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<h3>Sickness and Maternity Benefits</h3>
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<p><span class="h4">Sickness benefit:</span> 70% of the insured's average weekly covered earnings is paid from the fourth day of incapacity for up to 26 weeks.</p>
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<p>Average weekly covered earnings are the best eight weeks of earnings in the 13 weeks before the incapacity began.</p>
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<p><span class="h4">Maternity benefit:</span> 70% of the insured's average weekly covered earnings is paid for 13 weeks, including the week of childbirth plus six weeks before and six weeks after; may be extended for an additional 13 weeks if there are complications arising from childbirth.</p>
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<p>Average weekly covered earnings are the best seven 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>Benefits include reimbursement of medical expenses incurred in Guyana or abroad. Rates vary according to the type of treatment.</p>
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<p>Old-age or disability pensioners receive free dental care, medicine, and eyeglasses.</p>
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<p>Medical care is available in public hospitals and health centers. Medical care is income tested and requires cost sharing.</p>
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<h3>Dependents' Medical Benefits</h3>
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<p>Medical care for dependents of insured persons and the general population is available in public hospitals and health centers. Medical care is income tested and requires cost sharing.</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>National Insurance Scheme (<a href="http://www.nis.org.gy">http://www.nis.org.gy</a>), under the direction of the National Insurance Board, 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>Public- and private-sector employees earning more than G$7.50 a week.</p>
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<p>Exclusions: Casual workers, 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.</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.</p>
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<p><span class="h4">Government:</span> Contributes as an employer; covers any deficit.</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 is paid retroactively after the first day if the injury lasts for more than three days, for up to 26 weeks.</p>
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<p>Average weekly covered earnings are the best eight 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 (100%) disability, 70% of the insured's average weekly covered earnings is paid.</p>
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<p>Average weekly covered earnings are the best eight 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 for up to 26 days if the insured requires the constant attendance of others to perform daily functions.</p>
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<p>Partial disability: For an assessed degree of disability of at least 15% but less than 100%, 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 of 260 times the weekly disability benefit multiplied by the assessed degree of disability is paid.</p>
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<p>The National Insurance Medical Board reviews the assessed degree of disability.</p>
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<h3>Workers' Medical Benefits</h3>
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<p>Benefits include hospitalization, general and specialist care, medicine, and transportation.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Spouse's and dependent parents' pension:</span> 35% of the deceased's weekly earnings is paid to a widow aged 45 or older, assessed as permanently incapable of work, or who is pregnant with or caring for the deceased's child(ren) up to age 16 and who resided with or received financial support from the deceased at the time of death; a dependent <span class="nobr">widow(er)</span> older than age 55 and assessed as permanently incapable of work; or a parent who was totally or partially dependent on the deceased.</p>
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<p>The minimum pension for a <span class="nobr">widow(er)</span> or parent is 50% of the <span class="nobr">old-age</span> or disability minimum pension.</p>
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<p><span class="h4">Orphan's pension:</span> 11.67% of the deceased's weekly earnings is paid for each orphan younger than age 18 who was dependent on the deceased, up to 70% of the deceased's weekly earnings; 23.33% for each full orphan.</p>
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<p>The minimum orphan's pension is 16.67% of the <span class="nobr">old-age</span> or disability minimum pension; 33.33% for a full orphan.</p>
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<p><span class="h4">Other dependents' pension:</span> If there is no eligible <span class="nobr">widow(er),</span> orphan, or dependent parent, a lump sum of up to 100 times the deceased's weekly earnings is paid to other family members who were totally or partially dependent on the deceased. If the lump sum exceeds 60 times the minimum <span class="nobr">old-age</span> or disability minimum pension, the benefit is paid as an annuity.</p>
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<p>The minimum <span class="nobr">old-age</span> or disability pension is 50% of the legal monthly minimum wage for public-sector workers.</p>
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<p>The legal monthly minimum wage for public-sector workers is G$50,000.</p>
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<p>Death benefit: If there are no dependents, up to G$250 is paid to the insured's creditors or estate.</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>National Insurance Scheme (<a href="http://www.nis.org.gy">http://www.nis.org.gy</a>), under the direction of the National Insurance Board, administers the program.</p>
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<h2>Unemployment</h2>
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<h3>Regulatory Framework</h3>
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<p>Labor Law (1997) requires employers to provide severance pay in cases of redundancy or termination of employment by mutual consent of the parties or by notice of one party, to employees who have at least one year of continuous service. One week's wages is paid for the first five years of service, two weeks for six to 10 years, and three weeks for more than 10 years, up to 52 weeks' pay.</p>
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