First and current law: 1974.
Type of program: Provident fund system.
Exchange rate: U.S. $1.00 equals 5.73 emalangeni.
Employed persons. Exclusions: Casual employees, domestic servants, and aliens. Special system for public employees.
Insured person: 5% of earnings.
Employer: 5% of payroll.
Government: None.
Maximum earnings for contribution and benefit purposes: 500 emalangeni a month.
Old-age benefit: Age 50, or age 45 and retired from regular salaried employment; also payable to employee emigrating permanently.
Disability benefit: Permanent total incapacity for any work; or permanent partial incapacity and inability to earn reasonable livelihood.
Survivor benefit: Death of employee prior to retirement.
Provision for reciprocal agreements with other countries operating a provident fund.
Old-age benefit: Total employer and employee contributions, plus at least 3% interest per year (7% in 1999). May be paid as a lump sum or in installments; convertible to annuity at employee's option.
Disability benefit: Total employer and employee contributions plus at least 3% interest per year (7% in 1999). May be paid as a lump sum or in installments; convertible to annuity at employee's option.
Survivor benefit: Total employer and employee contributions, plus at least 3% interest per year. Payable to widow, other dependents, or persons designated by employee.
Ministry of Finance, general supervision. National Provident Fund, administration of program; managed by tripartite board and director.
First law: 1963.
Current law: 1983.
Type of program: Compulsory insurance with private carrier.
Employed persons. Exclusions: Domestic servants, shepherds, family labor, and casual workers.
Insured person: None.
Employer: Whole cost, through insurance premiums.Work-injury benefits: No minimum qualifying period.
Temporary disability benefit: 75% of earnings. (Sometimes paid as lump sum calculated according to expected duration.) Payable after 3-day waiting period until recovery or certification of permanent disability, up to maximum of 24 months.
Permanent disability benefit: Lump sum of 54 months' earnings, if totally disabled. Maximum, 27,000 emalangeni.
Minimum, 4,050 emalangeni.
Partial disability: Percent of full benefit proportionate to loss of working capacity.
Constant-attendance allowance: 25% of permanent disability benefit.
Medical benefits: Medical treatment expenses up to 9,619 emalangeni; also, expenses for appliances, up to 1,500 emalangeni; and transportation costs up to 250 emalangeni.
Survivor benefit: Lump sum of 48 months earnings, less any permanent disability benefits paid to deceased. Minimum, 3,600 emalangeni; maximum, 24,000 emalangeni. Payable to dependent survivors or, if none, reduced amount to survivors partially dependent on deceased.
Funeral grant: Lump sum covering cost of funeral; maximum, 300 emalangeni.
Department of Labor, enforcement of law.
Employers must insure liability with private insurance company.