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<h1>Social Security Programs Throughout the World: The Americas, 2015</h1>
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<h1>Saint Kitts and Nevis</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> 1968 (provident fund).</p>
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<p><span class="h4">Current laws:</span> 1977 (social security), implemented in 1978, and 1998 (social assistance).</p>
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<p><span class="h4">Type of program:</span> Social insurance and social assistance system.</p>
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<h3>Coverage</h3>
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<p><span class="h4">Social insurance:</span> Employed and self-employed persons, including apprentices.</p>
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<p>Voluntary coverage for previously insured persons with at least two years of contributions.</p>
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<p>Exclusions: Unpaid family labor.</p>
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<p>Special system for civil servants.</p>
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<p><span class="h4">Social assistance:</span> Elderly or disabled residents of Saint Kitts and Nevis.</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% of weekly or monthly covered earnings (including voluntarily insured persons).</p>
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<p>The maximum monthly earnings used to calculate contributions are <abbr class="spell">EC</abbr>$6,500.</p>
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<p>The insured person's contributions, except if voluntarily insured, 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">Self-employed person</span></p>
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<p><span class="h5">Social insurance:</span> 10% of monthly earnings, according to earnings categories ranging from <abbr class="spell">EC</abbr>$200 to <abbr class="spell">EC</abbr>$1,500 a week.</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> 5% of monthly covered payroll.</p>
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<p>The maximum monthly earnings used to calculate contributions are <abbr class="spell">EC</abbr>$6,500.</p>
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<p>The employer'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">Government</span></p>
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<p><span class="h5">Social insurance:</span> Contributes as an employer.</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 62 with at least 500 weeks of paid or credited contributions, including at least 150 weeks of paid contributions.</p>
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<p><span class="h4">Old-age grant (social insurance):</span> Age 62 with at least 50 but less than 500 weeks of paid or credited contributions but does not meet the contribution requirements for the <span class="nobr">old-age</span> pension.</p>
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<p>Old-age benefits are payable abroad under certain conditions.</p>
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<p><span class="h4">Old-age social assistance (means tested):</span> Older than age 62, not in gainful employment, and does not meet the contribution requirements for the <span class="nobr">old-age</span> pension or <span class="nobr">old-age</span> grant.</p>
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<p>Social assistance benefits are not payable abroad.</p>
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<p><span class="h4">Disability pension (social insurance):</span> Aged 16 to 61, assessed with a disability that has lasted for at least 26 weeks and is likely to remain permanent, and has at least 150 weeks of paid contributions.</p>
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<p>The Social Security Medical Board assesses the degree of disability at least every three years or at any period according to the advice of a medical practitioner.</p>
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<p>Disability benefits are payable abroad under certain conditions.</p>
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<p><span class="h4">Disability social assistance (means tested):</span> Aged 16 to 61, assessed with a disability that has lasted for at least 26 weeks and is likely to remain permanent, is unable to work, has no secure source of income or other support, and has less than 150 weeks of paid contributions.</p>
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<p>The Social Security Medical Board assesses the degree of disability at least every three years or at any period according to the advice of a medical practitioner.</p>
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<p>Social assistance benefits are not payable abroad.</p>
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<p><span class="h4">Survivor pension (social insurance):</span> The deceased had at least 150 weeks of paid contributions or 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> who was married to or cohabited with the deceased for at least three years, orphans younger than age 16 (age 18 if a <span class="nobr">full-time</span> student, no limit if disabled), 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>Survivor benefits are payable abroad under certain conditions.</p>
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<p><span class="h4">Survivor grant (social insurance):</span> The deceased had at least 50 weeks of paid or credited contributions but did not meet the contribution requirements for 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> aged 45 or older who was married to or cohabited with the insured for at least three years and orphans younger than age 16 (age 18 if a <span class="nobr">full-time</span> student, no limit if disabled).</p>
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<p>Survivor benefits are payable abroad under specific conditions.</p>
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<p><span class="h4">Funeral grant:</span> The deceased had at least 26 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> The monthly pension is 30% of the insured's average annual earnings plus 2% for each <span class="nobr">50-week</span> period of paid or credited contributions exceeding 500, up to 799, and 1% for each <span class="nobr">50-week</span> period of contributions exceeding 799; the sum is divided by 52.</p>
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<p>Average annual earnings are the best three years of earnings during the last 15 years of contributions.</p>
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<p>The minimum monthly pension is <abbr class="spell">EC</abbr>$430.</p>
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<p>The maximum monthly pension is 60% of the insured's monthly earnings or <abbr class="spell">EC</abbr>$3,900, whichever is less.</p>
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<p><span class="h4">Old-age grant (social insurance):</span> A lump sum of six times the insured's average weekly earnings for each <span class="nobr">50-week</span> period of paid or credited contributions, up to 499, is paid.</p>
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<p>The insured person's contributions are refunded with less than 50 weeks of contributions.</p>
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<p><span class="h4">Old-age social assistance (means tested):</span> <abbr class="spell">EC</abbr>$255 a month is paid.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Disability pension:</span> The monthly pension is 30% of the insured's average annual earnings plus 2% for each <span class="nobr">50-week</span> period of paid or credited contributions exceeding 500, up to 799, and 1% for each <span class="nobr">50-week</span> period of contributions exceeding 799; the sum is divided by 52.</p>
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<p>Average annual earnings are the best three years of earnings during the last 15 years of contributions.</p>
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<p>The benefit is paid after the 26 weeks of sickness benefit have been exhausted or after the disability has lasted for at least 26 weeks.</p>
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<p>The minimum monthly pension is <abbr class="spell">EC</abbr>$430.</p>
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<p>The maximum monthly pension is 60% of the insured's monthly earnings or <abbr class="spell">EC</abbr>$3,900, whichever is less.</p>
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<p><span class="h4">Disability social assistance (means tested):</span> <abbr class="spell">EC</abbr>$255 a month is paid.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Spouse's pension:</span> 50% of the <span class="nobr">old-age</span> or disability pension the deceased received or was entitled to receive is paid.</p>
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<p>A pension is paid for a year if the <span class="nobr">widow(er)</span> is younger than age 45 or was married to or cohabited with the deceased for less than three years.</p>
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<p>The minimum monthly <span class="nobr">widow(er)'s</span> pension is <abbr class="spell">EC</abbr>$215.</p>
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<p><span class="h4">Orphan's pension:</span> 16.7% of the <span class="nobr">old-age</span> or disability pension the deceased received or was entitled to receive is paid to each orphan. If the orphan has a disability, 33.3% of the maximum family survivor pension is paid.</p>
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<p>The minimum monthly orphan's pension is <abbr class="spell">EC</abbr>$103.20.</p>
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<p><span class="h4">Dependent parent's pension:</span> Up to 16.7% of the maximum family survivor pension is paid.</p>
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<p>The minimum monthly dependent parent's pension is <abbr class="spell">EC</abbr>$103.20.</p>
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<p>The maximum family survivor pension is 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 six times the deceased's average weekly earnings for each <span class="nobr">50-week</span> period of paid or credited contributions is paid.</p>
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<p>The deceased's contributions are refunded if the deceased had less than 50 weeks of contributions at the time of death.</p>
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<p><span class="h4">Funeral grant:</span> A lump sum of up to <abbr class="spell">EC</abbr>$2,500 is paid for the funeral of the insured or his or her spouse; up to <abbr class="spell">EC</abbr>$1,600 for a dependent child. 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><span class="h4">Social insurance:</span> Ministry of Nevis Affairs, Labour, Social Security, and Ecclesiastical Affairs provides general supervision.</p>
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<p>Social Security Board (<a href="https://socialsecurity.kn/">http://www.socialsecurity.kn</a>) administers the program.</p>
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<p><span class="h4">Social assistance:</span> Social Development Assistance Board 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 law:</span> 1977 (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 self-employed persons.</p>
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<p>Voluntary coverage is not available.</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> 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 be younger than age 62, be employed the day before the incapacity began, and have at least 26 weeks of paid contributions including eight 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 39 weeks of paid contributions, including 20 weeks in the 39 weeks preceding the six weeks before the expected date of childbirth or the week in which the claim is made, whichever is later.</p>
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<p><span class="h4">Maternity grant:</span> Paid to an insured woman or the wife of an insured man with at least 39 weeks of paid contributions, including 20 weeks in the 39 weeks preceding the six weeks before the expected date of childbirth or the week in which the claim is made, whichever is later.</p>
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<h3>Sickness and Maternity Benefits</h3>
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<p><span class="h4">Sickness benefit:</span> The daily benefit is 65% of the insured's average weekly covered earnings divided by six and is paid for up to 26 weeks. The benefit is paid retroactively from the first day if the incapacity lasts for four or more days.</p>
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<p><span class="h4">Maternity benefit:</span> The daily benefit is 65% of the insured's average weekly covered earnings divided by six and is paid for 13 weeks, beginning up to six weeks before the expected date of childbirth.</p>
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<p><span class="h4">Maternity grant:</span> A lump sum of <abbr class="spell">EC</abbr>$450 is paid for each birth.</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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<p>Medical care is provided at public hospitals and health centers.</p>
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<h3>Dependents' Medical Benefits</h3>
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<p><span class="h4">No statutory benefits are provided.</span></p>
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<p>Medical care is provided at public hospitals and health centers.</p>
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<h3>Administrative Organization</h3>
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<p>Ministry of Foreign Affairs, National Security, Labour, Immigration, and Social Security provides general supervision.</p>
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<p>Social Security Board (<a href="https://socialsecurity.kn/">http://www.socialsecurity.kn</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 law:</span> 1955 (workmen's compensation).</p>
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<p><span class="h4">Current law:</span> 1985 (social security), implemented in 1986.</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 persons regardless of age.</p>
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<p>Voluntary coverage is not available.</p>
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<p>Exclusions: Unpaid 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> None.</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> 1% of covered payroll.</p>
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<p>The maximum monthly earnings used to calculate contributions are <abbr class="spell">EC</abbr>$6,500.</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 the insured's average weekly covered earnings is paid retroactively from the first day if the disability lasts for four or more days. The benefit is paid for up to 26 weeks.</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%), 75% of the insured's average weekly covered earnings is paid.</p>
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<p>The Social Security Medical Board assesses and periodically reviews the degree of disability.</p>
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<p>Constant-attendance supplement: Paid if the insured is assessed with a total disability and requires the constant attendance of others to perform daily functions. The supplement should meet the reasonable cost of care.</p>
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<p>Partial disability: For an assessed degree of disability of at least 20%, a percentage of the full pension is paid according to the assessed degree of disability. For an assessed degree of less than 20%, a lump sum is paid.</p>
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<h3>Workers' Medical Benefits</h3>
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<p>Benefits include the reimbursement of reasonable expenses for medical, surgical, dental, hospital, and nursing care; medicine; appliances; and transportation.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Spouse's pension:</span> 50% of the permanent total disability pension the deceased received or was entitled to receive is paid to the <span class="nobr">widow(er).</span></p>
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<p><span class="h4">Orphan's pension:</span> Up to 16.7% of 75% of the deceased's average weekly earnings is paid to each child younger than age 16 (age 18 if a <span class="nobr">full-time</span> student, no limit if disabled).</p>
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<p><span class="h4">Dependent parent's pension:</span> Up to 16.7% of the maximum family survivor pension is paid to each parent.</p>
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<p>The maximum family survivor pension is 100% of the permanent total disability pension the deceased received or was entitled to receive.</p>
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<p><span class="h4">Funeral grant:</span> If the insured's death was the result of a work-related injury, a lump sum of <abbr class="spell">EC</abbr>$4,000 is paid to the person who paid for the funeral.</p>
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<h3>Administrative Organization</h3>
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<p>Ministry of Nevis Affairs, Labour, Social Security, and Ecclesiastical Affairs provides general supervision.</p>
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<p>Social Security Board (<a href="https://socialsecurity.kn/">http://www.socialsecurity.kn</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>Labor law (1986) requires employers to provide severance pay to employees with at least one year of continuous service. Severance is paid in cases of certified illness or disability that has lasted for at least three months and is likely to be permanent, redundancy, death of the employer that results in cessation of business operations, and liquidation or bankruptcy. The benefit is one week's pay for at least three months but less than one year of service, two weeks for at least one year but less than five years, three weeks for at least five years but less than 10 years, four weeks for at least 10 years but less than 15 years, and eight weeks for at least 15 years of service. (For employees paid monthly, one month's pay for less than 15 years; two months for at least 15 years.)</p>
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