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Gambie
| Population totale (Mio): | 1.7 |
| PNB per capita (USD): | 1446 |
Old Age, Disability and Survivors
Regulatory Framework
First law: 1981 (Social Security and Housing Finance Corporation Act), implemented in 1982.
Current law: 1987 (pension scheme).
Type of program: Social insurance and provident fund system.
Current law: 1987 (pension scheme).
Type of program: Social insurance and provident fund system.
Coverage
Pension scheme: Employed persons aged 18 to 60 in quasi-government institutions and participating private companies.
Exclusions: Casual workers and self-employed persons.
Provident fund: Private-sector employees aged 18 to 60.
Exclusions: Casual workers.
Special system for civil servants covered by the 1950 Pensions Act and armed forces personnel.
Exclusions: Casual workers and self-employed persons.
Provident fund: Private-sector employees aged 18 to 60.
Exclusions: Casual workers.
Special system for civil servants covered by the 1950 Pensions Act and armed forces personnel.
Source of funds
Insured person
Pension scheme: None.
Provident fund: 5% of basic salary.
Self-employed person
Pension scheme: Not applicable.
Provident fund: Voluntary contributions only.
Employer
Pension scheme: 15% of payroll.
Provident fund: 10% of basic salary.
Government
Pension scheme: None.
Provident fund: None.
Pension scheme: None.
Provident fund: 5% of basic salary.
Self-employed person
Pension scheme: Not applicable.
Provident fund: Voluntary contributions only.
Employer
Pension scheme: 15% of payroll.
Provident fund: 10% of basic salary.
Government
Pension scheme: None.
Provident fund: None.
Qualifying conditions
Old-age pension
Old-age pension (pension scheme): Age 60 with at least 10 years of contributions.
Early pension (pension scheme): Age 45 with at least 10 years of contributions; if the insured retires before age 45 with at least five years of contributions, the pension is withheld until age 45 unless the insured is laid off.
Old-age settlement (pension scheme): Paid if the insured does not meet the qualifying conditions for an old-age pension at the pensionable age and has at least five years of contributions.
Deferred old-age settlement (pension fund): The old-age settlement may be deferred.
Old-age benefit (provident fund): Age 60; voluntarily retired with at least five years of contributions and unemployed for at least two years (age 45), six months (age 46 to 54), or three months (age 55 to 59).
Disability pension
Disability pension (pension scheme): The insured must be assessed with a disability and an incapacity for work and have at least 10 years of contributions.
A medical board assesses the disability.
Disability settlement (pension scheme): The insured must be assessed with a disability and an incapacity for work and have at least five years but less than 10 years of contributions.
Disability benefit (provident fund): The insured must be assessed with an incapacity for work as the result of a disability.
A medical board assesses the disability.
Survivor benefit
Survivor benefit (pension scheme): Paid to named survivors and eligible orphans.
Survivor benefit (provident fund): Paid to named survivors and eligible orphans if the fund member dies before retirement.
Old-age pension (pension scheme): Age 60 with at least 10 years of contributions.
Early pension (pension scheme): Age 45 with at least 10 years of contributions; if the insured retires before age 45 with at least five years of contributions, the pension is withheld until age 45 unless the insured is laid off.
Old-age settlement (pension scheme): Paid if the insured does not meet the qualifying conditions for an old-age pension at the pensionable age and has at least five years of contributions.
Deferred old-age settlement (pension fund): The old-age settlement may be deferred.
Old-age benefit (provident fund): Age 60; voluntarily retired with at least five years of contributions and unemployed for at least two years (age 45), six months (age 46 to 54), or three months (age 55 to 59).
Disability pension
Disability pension (pension scheme): The insured must be assessed with a disability and an incapacity for work and have at least 10 years of contributions.
A medical board assesses the disability.
Disability settlement (pension scheme): The insured must be assessed with a disability and an incapacity for work and have at least five years but less than 10 years of contributions.
Disability benefit (provident fund): The insured must be assessed with an incapacity for work as the result of a disability.
A medical board assesses the disability.
Survivor benefit
Survivor benefit (pension scheme): Paid to named survivors and eligible orphans.
Survivor benefit (provident fund): Paid to named survivors and eligible orphans if the fund member dies before retirement.
Cash benefits for insured workers (except permanent disability)
Old-age pension
Old-age pension (pension scheme): An annuity is purchased with 75% of the total employer contributions; the remaining 25% is paid as a lump sum.
Early pension (pension scheme): The early pension is calculated in the same way as the old-age pension but with a reduction based on age at retirement.
Old-age settlement (pension scheme): A lump sum is paid.
Deferred old-age settlement (pension fund): The lump sum is calculated in the same way as the old-age settlement.
Old-age benefit (provident fund): A lump sum of total employer and employee contributions plus accrued interest is paid.
The full benefit is paid if the insured is voluntarily retired at age 45 with at least five years of contributions and after two years of unemployment; 70% of the benefit is paid if aged 46 to 54 and after six months of unemployment; 85% of the benefit is paid if aged 55 or older and after three months of unemployment.
Old-age pension (pension scheme): An annuity is purchased with 75% of the total employer contributions; the remaining 25% is paid as a lump sum.
Early pension (pension scheme): The early pension is calculated in the same way as the old-age pension but with a reduction based on age at retirement.
Old-age settlement (pension scheme): A lump sum is paid.
Deferred old-age settlement (pension fund): The lump sum is calculated in the same way as the old-age settlement.
Old-age benefit (provident fund): A lump sum of total employer and employee contributions plus accrued interest is paid.
The full benefit is paid if the insured is voluntarily retired at age 45 with at least five years of contributions and after two years of unemployment; 70% of the benefit is paid if aged 46 to 54 and after six months of unemployment; 85% of the benefit is paid if aged 55 or older and after three months of unemployment.
Permanent disability benefits for insured workers
Disability pension
Disability pension (pension scheme): An annuity is purchased with 75% of the total employer contributions; the remaining 25% is paid as a lump sum. The total amount may be paid as a lump sum if the insured is seriously ill.
Disability settlement (pension scheme): A lump sum is paid.
Disability benefit (provident fund): A lump sum of total employer and employee contributions plus accrued interest is paid.
Partial disability (provident fund): A lump sum of up to 50% of the full disability benefit is paid, according to the assessed degree of disability. Further payments are based on an assessment of the disability by a medical board.
Disability pension (pension scheme): An annuity is purchased with 75% of the total employer contributions; the remaining 25% is paid as a lump sum. The total amount may be paid as a lump sum if the insured is seriously ill.
Disability settlement (pension scheme): A lump sum is paid.
Disability benefit (provident fund): A lump sum of total employer and employee contributions plus accrued interest is paid.
Partial disability (provident fund): A lump sum of up to 50% of the full disability benefit is paid, according to the assessed degree of disability. Further payments are based on an assessment of the disability by a medical board.
Survivors benefits for dependents
Survivor benefits
Survivor benefit (pension scheme): A lump sum of twice the deceased's annual salary is paid if the deceased was a contributing member, irrespective of the number of contributions; a lump sum is paid based on the value of the accrued pension if the deceased opted to take an early pension; the remaining balance of the pension is paid if the deceased was a pensioner.
Survivor benefit (provident fund): A lump sum of total employer and employee contributions plus accrued interest is paid.
Survivor benefit (pension scheme): A lump sum of twice the deceased's annual salary is paid if the deceased was a contributing member, irrespective of the number of contributions; a lump sum is paid based on the value of the accrued pension if the deceased opted to take an early pension; the remaining balance of the pension is paid if the deceased was a pensioner.
Survivor benefit (provident fund): A lump sum of total employer and employee contributions plus accrued interest is paid.
Administrative organization
Social Security and Housing Finance Corporation administers the pension scheme and provident fund.
Social Security and Housing Finance Corporation
Social Security House,
61 Ecowas Avenue,
PO Box 570,
GM-Banjul,
Gambia
Tel.: +(220) 422 86 88; +(220) 422 22 71/76
Fax: +(220) 422 86 88
Social Security and Housing Finance Corporation
Social Security House,
61 Ecowas Avenue,
PO Box 570,
GM-Banjul,
Gambia
Tel.: +(220) 422 86 88; +(220) 422 22 71/76
Fax: +(220) 422 86 88
Réponse à la dernière enquête: 01 Janvier 2011
Dernière mise à jour AISS: 01 Janvier 2011
Taux de change: US$1.00 = 28 dalasi.