First law: 1960.
Current laws: 1968, 1971, and 1988.
Type of program: Social insurance system; also mandatory private pension systems.
Exchange rate: U.S.$1.00 equals 570 CFA francs.
Employed persons, and certain categories of agricultural workers (for old-age benefits only). Special system for public employees.
Insured person: 1.6% of earnings.
Employer: 2.4% of payroll.
Government: None.
Maximum earnings for contribution purposes: 1,647,315 CFA francs a month (45 times the guaranteed minimum wage).
Old-age pension: Age 55 with 10 years of covered employment after program began. Early retirement: Age 50. Retirement from gainful activity necessary. Payable abroad.
Disability pension: Age 50, permanent incapacity for any work with 10 years of covered employment after the program began.
Survivor pension: Deceased was pensioner or met requirements for pension.
Old-age pension: 1.33% of average earnings times years of coverage and periods of incapacity (some employment before program began credited toward coverage).
Pension reduced by 5% for each year under age 55.
Child's supplement: 10% of pension for each child under age 16; maximum, 30% of pension.
Lump sum payment for workers over age 55 with less than 10 years of contributions.
Adjustment: Pensions adjusted yearly to changes in the average salary subject to contribution.
Disability pension: About 1.33% of average earnings times years of coverage (some employment before program began credited toward coverage).
Child's supplement: 10% of pension for each child under age 16.
Maximum: 30% of pension.
Disability allowance for workers age under age 50 with at least 10 years of contributions, if ineligible for pension. At age 50 the allowance is converted to an old-age benefit without reduction.
Survivor pension: 50% of pension of insured payable to widow age 50 or over. No age requirement if married at least 2 years or has dependent child.
Orphans: 20% of pension of insured for each full orphan under age 16 (21 if student). Maximum for all orphans: 100% of pension of insured.
Ministry of Employment, Public Administration and Social Insurance, general supervision.
National Social Insurance Fund, administration of program; managed by tripartite board.
First law: 1956.
Current laws: 1964, 1968, 1971, 1988 and 1995.
Type of program: Social insurance system. Cash maternity benefits only.
Employed women and employed workers' wives.
Special system for public employees.
Insured person: None.
Employer: 0.75% of payroll.
Government: None.
Maximum earnings for contribution purposes: 70,000 CFA francs a month.
Cash maternity benefits: 3 months of insured employment.
Sickness benefit: None provided.
Maternity benefit: 100% of earnings. 100% of costs of medical care provided in public hospital, or 5,000 CFA francs for confinement in private clinic or other establishment.
Payable for 6 weeks before and 8 weeks (3 weeks more if complications) after confinement. Reimbursement from 3 months of pregnancy for medical costs and pharmaceuticals.
Medical benefits: Medical care provided to insured worker by socio-medical centers of the Fund.
Employers must provide medical services for their workers.
Medical benefits for dependents: Health care provided to mothers and children at socio-medical centers managed by the National Social Insurance Fund.
Ministry of Employment, Public Administration and Social Insurance, general supervision.
National Social Insurance Fund, administration of program.
First law: 1957.
Current laws: 1968, 1971, and 1988.
Type of program: Social insurance system.
Employed persons, seamen, certain self-employed, apprentices, members of cooperatives, and students at technical colleges.
Self-employed may affiliate voluntarily.
Insured person: None (except voluntarily affiliated self-employed).
Employer: 2% to 5% of payroll, according to risk in industry.
Government: None.
Maximum earnings for contribution and benefit purposes: 70,000 CFA francs a month.
Work-injury benefits: No minimum qualifying period.
Temporary disability benefit: 50% of earnings for first 28 days of disability; 66-2/3% thereafter. Payable from day following injury until recovery or certification of permanent disability.
Permanent disability pension: For total disability, 100% of average earnings.
Partial disability: Average earnings multiplied by the percentage of disability.
Constant-attendance supplement: 40% of pension.
Medical benefits: Medical and surgical care, hospitalization, medicines, appliances, transportation, and rehabilitation.
Survivor pension: 30% of earnings of insured.
Orphans: 15% of earnings each for 1st and 2nd orphan, 10% for each other; 20% for each full orphan.
Dependent parents and grandparents: 10% of earnings each.
Maximum survivor pensions: 85% of earnings.
Adjustment: Pensions adjusted yearly to changes in the average salary subject to contribution.
Funeral grant: Lump sum covering cost of burial.
Ministry of Employment, Public Administration and Social Insurance, general supervision.
National Social Insurance Fund, administration of contributions and benefits.
First law: 1955.
Current law: 1968, 1971, 1988 and 1995.
Type of program: Employment-related system.
Employees with 1 or more children.
Special system for public employees.
Insured person: None.
Employer: 5% of payroll.
Government: None.
Maximum earnings for contribution purposes: 70,000 CFA francs a month.
Family allowances: Child under age 14 (18 if apprentice, 21 if student or disabled). Parent must have had 3 months of employment and be currently working 18 days or 120 hours a month (or be widow of beneficiary).
Prenatal allowance and birth grant: Must undergo prescribed medical examinations.
Family allowances: 1,500 CFA francs a month for each child.
Prenatal allowance: 13,500 CFA francs payable in 3 installments.
Birth grant: Lump sum of 18,000 CFA francs on birth of each of first 3 children.
Maternity allowance: 18,000 CFA francs paid in 3 installments from birth through the child's first year.
Ministry of Public Health and Social Affairs, general supervision.
National Social Insurance Fund, administration of program.