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<h1>Social Security Programs Throughout the World: The Americas, 2017</h1>
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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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<h3>Source of Funds</h3>
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<p><span class="h4">Insured person:</span> 4% of gross monthly covered 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 insured person's contributions also finance sickness and maternity benefits.</p>
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<p><span class="h4">Self-employed person:</span> 8% of gross monthly covered 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 self-employed person's contributions also finance sickness and maternity benefits.</p>
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<p><span class="h4">Employer:</span> 4% of gross monthly covered payroll for insured persons from age 16 to 60.</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> 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 60 with at least 500 weeks of paid or credited contributions, including at least 150 weeks of paid contributions.</p>
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<p>Contributions are credited for periods of sickness, maternity, or temporary or permanent work injury.</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.</p>
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<p>Contributions are credited for periods of sickness, maternity, or temporary or permanent work injury.</p>
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<p>Old-age benefits are payable abroad.</p>
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<p><span class="h4">Disability pension:</span> Must be younger than the normal retirement age 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> Must be younger than the normal retirement age 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 upon 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> Paid to the person who paid for the funeral when the insured person, the insured's spouse, or the insured's child younger than age 16 (age 21 if a <span class="nobr">full-time</span> student) dies. The insured must have received or been entitled to receive an <span class="nobr">old-age,</span> disability, sickness, maternity, or work injury benefit at the time of the death.</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 covered 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><span class="h4">Old-age grant:</span> A lump sum of five times the insured'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>Average weekly earnings are the sum of the insured's weekly covered 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 covered 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 the insured's average weekly earnings.</p>
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<p><span class="h4">Disability grant:</span> A lump sum of five times the insured'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>Average weekly earnings are the sum of the insured's weekly covered 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">Survivor pension</span></p>
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<p><span class="h5">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 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>$447.38.</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="h5">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% for an orphan with a disability 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>The maximum weekly orphan's pension is <abbr class="spell">EC</abbr>$149.13 (<abbr class="spell">EC</abbr>$298.25 for a full orphan).</p>
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<p><span class="h5">Dependent 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>The maximum combined survivor benefit 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 five times the insured's average weekly 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 earnings are the sum of the insured's weekly covered 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 (http://health.gov.gd/) provides general supervision.</p>
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<p>National Insurance Scheme (<a href="https://www.nisgrenada.org/">http://www.nisgrenada.org/</a>) collects contributions and administers the programs.</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> 1980 (maternity leave).</p>
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<p><span class="h4">Current laws:</span> 1983 (social insurance) and 1999 (employment act).</p>
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<p><span class="h4">Type of program:</span> Universal (medical benefits), social insurance (cash sickness and maternity benefits), and employer-liability (cash maternity and sickness benefits) system.</p>
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<h3>Coverage</h3>
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<p><span class="h4">Social insurance:</span> Public- and private-sector employees and self-employed persons.</p>
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<p><span class="h4">Employer liability:</span> Public- and private-sector employees.</p>
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<p>Exclusions: 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">Social insurance:</span> See source of funds under Old Age, Disability, and Survivors.</p>
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<p><span class="h5">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">Social insurance:</span> See source of funds under Old Age, Disability, and Survivors.</p>
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<p><span class="h5">Employer liability:</span> Not applicable.</p>
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<p><span class="h4">Employer</span></p>
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<p><span class="h5">Social insurance:</span> See source of funds under Old Age, Disability, and Survivors.</p>
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<p><span class="h5">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">Social insurance:</span> See source of funds under Old Age, Disability, and Survivors.</p>
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<p><span class="h5">Employer liability:</span> Not applicable; contributes as an employer.</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Cash sickness benefit (social insurance):</span> Must have been employed on the day before the incapacity began and have at least 13 weeks of coverage, including eight weeks of contributions as an employee in the 13 weeks before the incapacity began.</p>
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<p><span class="h4">Cash sickness benefit (employer liability):</span> Must have been employed for at least 12 consecutive months with the same employer and provide a medical certificate from a registered medical practitioner stating the nature and expected duration of incapacity. The employee is eligible for sickness benefits for up to five times per year.</p>
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<p><span class="h4">Cash maternity benefit (social insurance):</span> Paid to an insured woman or the wife of an insured man with least 30 weeks of coverage, including 20 weeks of contributions as an employee in the <span class="nobr">30-week</span> period immediately preceding the week that is 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">Cash maternity benefit (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>There is no minimum benefit.</p>
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<p>The maximum daily sickness benefit is <abbr class="spell">EC</abbr>$125.</p>
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<p><span class="h4">Sickness benefit (employer liability):</span> 100% (35% if receiving a social insurance sickness benefit) of the employee's wages is paid for up to two months. Benefits may be extended based on a medical report of a medical practitioner.</p>
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<p><span class="h4">Maternity benefit (social insurance):</span> 65% of the insured's 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 weekly maternity benefit is <abbr class="spell">EC</abbr>$522.</p>
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<p>The maximum weekly maternity benefit is <abbr class="spell">EC</abbr>$750</p>
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<p><span class="h4">Maternity benefit (employer liability):</span> Up to 40% of the employee's average covered earnings for two months of the three-month maternity leave period is paid. The benefit is paid once every two years, up to a total of three times.</p>
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<p><span class="h4">Maternity grant (social insurance):</span> A lump sum of <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>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>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>) collects contributions and administers the social insurance program.</p>
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<p>Ministry of Labour (http://labour.gov.gd/) provides general supervision of the employer-liability 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> 1982 (workmen's compensation)</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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<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 monthly covered 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><span class="h4">Employer:</span> 1% of gross monthly covered payroll.</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><span class="h4">Government:</span> None; contributes as an employer.</p>
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<h3>Qualifying Conditions</h3>
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<p>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 work injury or certified onset of the occupational disease until recovery or for 52 weeks, whichever occurs sooner.</p>
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<p>There is no minimum or maximum benefit.</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>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>There is no minimum or maximum benefit.</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>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">Survivor pension</span></p>
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<p><span class="h5">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 minimum weekly spouse's pension is <abbr class="spell">EC</abbr>$46.40.</p>
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<p>The maximum weekly spouse's pension is <abbr class="spell">EC</abbr>$447.38.</p>
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<p>The pension ceases upon remarriage or cohabitation.</p>
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<p><span class="h5">Orphan's pension:</span> 25% of the permanent disability pension the deceased received or was entitled to receive is paid for each child younger than age 16 (age 21 if a <span class="nobr">full-time</span> student); 50% for a 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>The maximum weekly orphan's pension is <abbr class="spell">EC</abbr>$149.13 (<abbr class="spell">EC</abbr>$298.25 for full orphans).</p>
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<p><span class="h5">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>
|
|
<p>The maximum combined survivor benefit is 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>$2,000 is paid to the person who paid for the insured's funeral.</p>
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|
<p>Benefit adjustment: Benefits are reviewed periodically.</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p>Ministry of Health and Social Security (http://health.gov.gd/) provides general supervision.</p>
|
|
<p>National Insurance Scheme (<a href="https://www.nisgrenada.org/">http://www.nisgrenada.org/</a>) collects contributions and administers the program.</p>
|
|
<h2>Unemployment</h2>
|
|
<h3>Regulatory Framework</h3>
|
|
<p>Under the 1999 Employment Act, employers are required to provide severance pay to a dismissed employee who has completed at least one year of continuous employment with that employer. At least one week's wages is paid for each completed year of service.</p>
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