Special system for public employees only.
Exchange rate: U.S.$1.00 equals 43.8 kwacha.
Some medical services available free to population in government health centers and hospitals.
First law: 1944.
Current law: 1990.
Type of program: Employer liability/compulsory insurance with private carrier.
Employed persons. Exclusions: Casual workers, family labor, and members of armed forces.
Insured person: None.
Employer: Whole cost, through direct provision of benefits or insurance premiums.
Government: None.
Work-injury benefits: No minimum qualifying period.
Temporary disability benefit: Percentage of earnings based on schedule. Minimum: 26 times minimum monthly wage.
Payable after 3-day waiting period until recovery or certification of permanent disability.
Permanent disability benefit: Lump sum of 54 months' earnings, if totally disabled; minimum, 54 times minimum monthly wage.
Partial disability: Lump sum proportionate to degree of disability, according to schedule in law.
Survivor benefit: Lump sum of 42 months' earnings, less any disability benefit paid to deceased, payable to dependents; minimum, 42 times minimum monthly wage. Reduced amounts paid if survivors only partially dependent on deceased.
Funeral grant (if no surviving dependent): Cost of burial paid by employer.
Ministry of Labor and Vocational Training, enforcement of law.
Employers may insure liability with private insurance companies.