First law: 1965.
Current law: 1973.
Type of program: Provident fund system.
Exchange rate: U.S. $1.00 equals 2286 kwacha (K).
Employed persons, including agricultural workers, domestic servants in urban areas, and apprentices. Exclusions: Casual workers, self-employed, and workers in cooperatives.
Special system for public employees and domestic servants.
Voluntary affiliation for domestic servants in rural areas and others excluded from compulsory coverage.
Insured person: 8.5% of earnings (lower rates if wages below K67.50 a day).
Employer: 8.5% of payroll (higher rates for low-wage earners).
Government: None.
Maximum earnings for contribution purposes: K150,000 a month.
Above contributions also finance maternity benefits and funeral grants.
Old-age benefit: Age 50 and retirement from regular employment (age 55 without retirement); 5 years earlier for those who joined Fund prior to April 1, 1973.
Payable at any age to member emigrating permanently.
Disability benefit: Permanent incapacity for any work due to physical or mental disability.
Survivor benefit: Death of insured worker before benefit otherwise payable.
Old-age benefit: Lump sum equal to total employee and employer contributions, plus accrued interest.
May be paid as annuity or in installments at member's option.
Disability benefit: Lump sum equal to total employee and employer contributions, plus accrued interest.
May be paid as annuity or in installments at member's option.
Survivor benefit: Lump sum equal to total employee and employer contributions in deceased's account, plus accrued interest. Payable to nominated spouse or other dependent relatives.
May be paid as annuity or in installments.
Funeral grant: K12,000 (in addition to above benefit), if at least 24 monthly contributions credited to deceased.
Ministry of Labor and Social Services, general supervision.
Zambia National Provident Fund, administration of program; managed by tripartite board and director.
2 regional offices and 22 district offices.
First law: 1973.
Current law: 1994 Type of program: Provident fund system. Maternity benefits only.
Employed women.
Insured person: See pension contributions above.
Employer: Same.
Government: Same.
Maternity benefit: 24 monthly contributions to Fund.
Maternity benefit: K10,000 for each birth (not deductible from member's account in Fund).
Employers must grant up to 30 days of paid sick leave per year to employees, and up to 90 days for maternity leave.
Medical benefits: Medical care available to all citizens in government hospitals, clinics, and rural health centers for modest fees. Fee-paying medical services have been introduced in the selected medical institutions.
Ministry of Labor and Social Services, general supervision.
Zambia National Provident Fund, administration of program.
First laws: 1929 (employer liability) and 1963 (compulsory insurance).
Current law: 1994.
Type of program: Compulsory insurance with public carrier.
Employed persons, including casual workers, domestic servants and apprentices. Special system for public employees.
Insured person: None.
Employer: Whole cost, through contributions fixed annually according to risk.
Government: None, except pays on behalf of all non-pensionable government employees.
Maximum earnings for contribution purposes: K600,000 a year.
Work-injury benefits: No minimum qualifying period.
Temporary disability benefit: 50% of insurable earnings up to maximum of K100,000 per month.
Permanent disability pension: Monthly payments calculated at 50% of insurable earnings at the time of accident up to maximum of K100,000 per month times the degree of disability.
Partial disability: Lump sum payment for benefit less than K31,000 or degree of disability below 10%.
Adjustment: Provision for periodic adjustment of pensions for cost-of-living changes.
Medical benefits: Medical, dental, nursing, and hospital care, up to K30,000; artificial limbs up to K20,000.
Survivor pension: 80% of disability pension of insured. Payable to widow or disabled widower.
Orphans (full): 30% for 1st, 10% for each additional orphan under age 18 (maximum, 8 children).
Orphans (with one parent): 15% for 1st, 5% for each additional orphan under age 18 (maximum, 8 children).
Survivor benefit payable to other survivors (if no widow or orphans).
Amount varies according to degree of dependence upon deceased.
Adjustment: Provision for periodic adjustment of pension for cost-of-living changes.
Funeral grant: Cost of burial; maximum, K10,000.
Ministry of Labor and Social Services, general supervision.
Worker's Compensation Fund, administration of contributions and benefits; managed by board and commissioner.