First law: 1958.
Current laws: 1985 and 1994.
Type of program: Social insurance system.
Exchange rate: U.S.$1.00 equals 1,275 francs.
Employed persons.
Insured person: 2.5% of earnings.
Employer: 4% of payroll.
Government: None.
Maximum earnings for contribution and benefit purposes: 400,000 francs a month.
(Disability pensions financed through sickness insurance.)
Old-age pension: Age 55 (payable at age 50 if unable to work, or with 5%-10% reduction for each year under age 55) with 15 years of contributions. Retirement from gainful activity necessary.
Disability pension: Loss of 2/3 of working or earning capacity.
Enrollment in insurance and 26 days or 120 hours of employment in last 3 months (waived for currently employed workers if incapacity is due to accident or infectious disease).
Survivor pension: Deceased was pensioner or in insured employment at death.
Old-age pension: About 2% of base earnings times years of insurance, according to point system (credit given for periods of incapacity). Maximum years counted, 30.
Disability pension: 50% of average earnings, if totally disabled.
Constant-attendance supplement: 20% of pension.
Partial disability: Pension proportionate to loss of earning capacity.
Maximum: 30% of earnings.
Survivor pension: 50% of pension paid or accrued to insured, if age 50 or caring for child; any age if widow of old-age pensioner.
Orphans: 20% of pension of insured for each full orphan.
Maximum for all orphans: 100% of pension.
Funeral grant: Lump sum of 90 days' earnings.
Minimum: 250 francs.
Ministry of Social Affairs, and Women's and Children's Welfare, general supervision.
National Social Security Fund, administration of program; managed by administrative council.
First law: 1960.
Current laws: 1985 and 1994.
Type of program: Social insurance system. Cash and medical benefits.
Employed persons.
Insured person: 2.5% of earnings.
Employer: 4% of payroll (includes 1% for maternity benefits).
Government: None.
Maximum earnings for contribution and benefit purposes: 400,000 francs a month.
Cash sickness and medical benefits: 3 months of enrollment and 26 days of employment during last 3 months (waived for currently employed workers if incapacity due to accident or infectious disease).
Cash maternity benefits: Paid under Family Allowances, below.
Sickness benefit: 50% of average daily earnings.
Payable after 8-day waiting period for up to 13 weeks; extended to 26 weeks if enrolled for insurance at least 1 year and 250 days of employment during last 12 months. (Labor code requires employer to pay full wages during waiting period.) Maximum duration of benefits: 3 years in case of permanent condition.
Maternity benefit: Paid under Family Allowances, below.
Medical benefits: Service benefits provided by doctors, hospitals, and druggists paid directly by Fund.
Benefits available only after 8-day waiting period during which employer and worker must share medical care costs equally.
Includes general and specialist care, surgery, hospitalization, maternity care, drugs (reimbursed at 70%, if costly disease 100%), appliances, laboratory services, and transportation.
Medical benefits for dependents: Same as for insured.
Ministry of Social Affairs, and Women's and Children's Welfare, general supervision.
National Social Security Fund, administration of program.
First law: 1932.
Current laws: 1946,1960 and 1994.
Type of program: Social insurance system.
Employed persons.
Insured person: None.
Employer: 4% of payroll.
Government: None.
Maximum earnings for contribution and benefit purposes: 400,000 francs a month.
Work-injury benefits: No minimum qualifying period.
Temporary disability benefit: 50% of earnings for first 28 days; thereafter, 66-2/3%. Payable from day after injury until recovery or certification of permanent disability.
Permanent disability pension: For total disability, 100% of average earnings.
Partial disability: Average earnings multiplied by 1/2 the degree of incapacity for the portion of disability between 10% and 50%, and by 150% of the degree of incapacity for the portion above 50%.
(Converted to lump sum if disability is 10% or less.)
Medical benefits: Medical and surgical care, hospitalization, drugs, appliances, rehabilitation, and transportation.
Survivor pension: 30% of earnings of insured; payable to widow or dependent widower. Orphans: 15% of earnings each for 1st and 2nd orphan, 10% for each other up to age 16 (20 if student); 20% for each full orphan. Dependent relatives: 10% of earnings each, up to 20%. Maximum survivor pensions: 85% of earnings.
Funeral grant: Lump sum of 90 days' earnings.
Minimum: 250 francs.
Ministry of Social Welfare, and Women's and Children's Welfare, general supervision.
National Social Security Fund, administration of program.
First law: 1956.
Current laws: 1985 and 1994.
Type of program: Employment-related system.
Employed persons subject to the Labor Code who are covered under social insurance.
Insured person: None.
Employer: 6% of payroll.
Government: None.
Maximum earnings for contribution purposes: 300,000 francs a month.
Family allowances: Child must be under age 17.
Parent must have been enrolled for insurance during past month and be currently working 18 days a month (unless a social insurance beneficiary).
Cash maternity benefits: Woman is in insured employment.
Family allowances: 1,500 francs a month for each child through the 10th.
Maternity benefit: 100% of earnings. (Labor code requires employer to pay half.)
Payable for up to 6 weeks before and 8 weeks after confinement.
Ministry of Social Affairs, and Women's and Children's Welfare, General Supervision.
National Social Security Fund, administration of program.