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Malte
| Population totale (Mio): | 0.41 |
| PNB per capita (USD): | 23080 |
Old Age, Disability and Survivors
Regulatory Framework
First laws: 1956 (National Insurance Act), 1956 (National Assistance Act), 1965 (Invalidity Pension), and 1979 (Two-Thirds Pension).
Current laws: 1987 (Social Security Act, Cap 318 of the law of Malta) and 2006 (pension system reform).
Type of program: Social insurance and social assistance system.
Current laws: 1987 (Social Security Act, Cap 318 of the law of Malta) and 2006 (pension system reform).
Type of program: Social insurance and social assistance system.
Coverage
Residents aged 16 or older, citizens employed abroad by foreign employers a business in Malta, and students in certain work-study programs.
Exclusions: Married persons not gainfully employed, full-time students, and persons older than age 65.
Exclusions: Married persons not gainfully employed, full-time students, and persons older than age 65.
Source of funds
Insured person: 10% of covered wages; €6.62 a week if younger than age 18 with earnings up to the minimum wage.
The minimum weekly contribution is €15.23.
The maximum weekly contribution is €32.91.
The maximum annual earnings for contribution calculation purposes are €17,115.
The insured's contributions also finance cash sickness, work injury, and unemployment benefits.
Self-employed person: From €26.37 to €49.37 a week, depending on net income from self-employment.
The maximum annual net income for contribution calculation purposes is €17,115.
The self-employed person's contributions also finance cash sickness and work injury benefits.
Employer: 10% of covered payroll; €6.62 a week for employees younger than age 18 with earnings up to the minimum wage.
The minimum weekly contribution for each employee is €15.23.
The national weekly minimum wage is €152.29.
The maximum weekly contribution is €32.91.
The employer's contributions also finance cash sickness, work injury, and unemployment benefits.
Government: A sum of 50% of the value of total contributions.
The government's contributions also finance cash sickness, work injury, and unemployment benefits.
The minimum weekly contribution is €15.23.
The maximum weekly contribution is €32.91.
The maximum annual earnings for contribution calculation purposes are €17,115.
The insured's contributions also finance cash sickness, work injury, and unemployment benefits.
Self-employed person: From €26.37 to €49.37 a week, depending on net income from self-employment.
The maximum annual net income for contribution calculation purposes is €17,115.
The self-employed person's contributions also finance cash sickness and work injury benefits.
Employer: 10% of covered payroll; €6.62 a week for employees younger than age 18 with earnings up to the minimum wage.
The minimum weekly contribution for each employee is €15.23.
The national weekly minimum wage is €152.29.
The maximum weekly contribution is €32.91.
The employer's contributions also finance cash sickness, work injury, and unemployment benefits.
Government: A sum of 50% of the value of total contributions.
The government's contributions also finance cash sickness, work injury, and unemployment benefits.
Qualifying conditions
Old-age pension: If born before December 31, 1951, the pensionable age is age 61 (men) or age 60 with the option to retire at age 61 (women); age 62 (men and women) if born from 1952 to 1955; age 63 (men and women) if born from 1956 to 1958; age 64 (men and women) if born from 1959 to 1961; age 65 (men and women) if born on or after January 1, 1962.
The insured must have at least 156 weeks of paid contributions, including an annual average of at least 20 weeks of paid or credited contributions.
Child-rearing credit: For each child reared, the insured person receives 2 years (4 years for a child with a disability) of credited contributions to finance old-age benefits. The credited periods for child rearing can be shared between the parents. The insured (including adoptive parents) must have legal custody of the child who must be younger than age 6 (age 10 if disabled).
Early pension: Paid from age 61. If the insured was born on or after January 1, 1962, he or she must have accumulated at least 2,080 weeks of paid or credited contributions since age 18; if the insured was born between 1952 and 1961, he or she must have accumulated 1,820 weeks of paid or credited contributions since age 18 (age 19 if born before May 5, 1958).
Retirement from insured employment is necessary.
Partial pension: A reduced pension is paid with an annual average of at least 20 weeks of contributions (flat-rate pension) or 15 weeks of contributions (earnings-related pension).
Income test: Earned income from employment or self-employment from age 61 (men) or age 60 (women) must not exceed the national weekly minimum wage until age 65.
The national weekly minimum wage is €152.29
The old-age pension is payable abroad.
Old-age noncontributory pension (means-tested): Paid if the insured does not satisfy the contribution conditions for the old-age pension.
Means test: The means test is based on the capital assets and income of the household members.
The old-age noncontributory pension is not payable abroad.
Disability pension: The insured is assessed with a total and permanent incapacity for full-time or part-time work and has at least 250 weeks of paid contributions as an employee or as a self-employed person, including an annual average of at least 20 weeks of paid or credited contributions. The insured must have been in continuous full-time or regular part-time employment or self-employment for at least 12 months before the date of the claim.
For each child reared, the insured person receives 2 years (4 years for a child with a disability) of credited contributions to finance disability survivor benefits. The credited periods for child rearing can be shared between the parents. The insured (including adoptive parents) must have legal custody of the child who must be younger than age 6 (age 10 if disabled).
Partial pension: A reduced pension is paid with an annual average of at least 20 weeks of contributions.
The disability pension is payable abroad.
Disabled child allowance (noncontributory): A benefit is paid to parents for a child with an assessed disability.
The allowance ceases at age 16 (14 for a child with a visual impairment) and is replaced by the disability pension.
Pension for visually impaired, disabled, or severely disabled persons (noncontributory): Paid for visually impaired, disabled, or severely disabled persons.
The noncontributory disability pension is not payable abroad.
Survivor pension: Paid to a widow(er) whose deceased spouse had paid at least 156 weeks of paid contributions, with an annual average of at least 20 weeks of paid or credited contributions from age 19, or who was of retirement age.
For each child reared, the insured person receives 2 years (4 years for a child with a disability) of credited contributions to finance survivor benefits. The credited periods for child rearing can be shared between the parents. The insured (including adoptive parents) must have legal custody of the child who must be younger than age 6 (age 10 if disabled).
Partial pension: A reduced pension is paid if the deceased had an annual average of at least 20 weeks of contributions (flat-rate pension) or 15 weeks of contributions (earnings-related pension).
Income test: Income must not exceed the minimum wage; widows younger than age 60 with children younger than age 21 qualify for the survivor pension regardless of income.
A widow(er) aged 60 or older without dependent children receives the survivor pension if his or her average weekly earnings do not exceed the national minimum wage.
The national weekly minimum wage is €152.29.
In case of remarriage, the widow(er)'s pension ceases 5 years after the date of remarriage.
Orphan's pension: Paid for the death of both parents. One parent must have been insured and had at least 1 week of contributions at the time of death.
Survivor benefits are payable abroad.
The insured must have at least 156 weeks of paid contributions, including an annual average of at least 20 weeks of paid or credited contributions.
Child-rearing credit: For each child reared, the insured person receives 2 years (4 years for a child with a disability) of credited contributions to finance old-age benefits. The credited periods for child rearing can be shared between the parents. The insured (including adoptive parents) must have legal custody of the child who must be younger than age 6 (age 10 if disabled).
Early pension: Paid from age 61. If the insured was born on or after January 1, 1962, he or she must have accumulated at least 2,080 weeks of paid or credited contributions since age 18; if the insured was born between 1952 and 1961, he or she must have accumulated 1,820 weeks of paid or credited contributions since age 18 (age 19 if born before May 5, 1958).
Retirement from insured employment is necessary.
Partial pension: A reduced pension is paid with an annual average of at least 20 weeks of contributions (flat-rate pension) or 15 weeks of contributions (earnings-related pension).
Income test: Earned income from employment or self-employment from age 61 (men) or age 60 (women) must not exceed the national weekly minimum wage until age 65.
The national weekly minimum wage is €152.29
The old-age pension is payable abroad.
Old-age noncontributory pension (means-tested): Paid if the insured does not satisfy the contribution conditions for the old-age pension.
Means test: The means test is based on the capital assets and income of the household members.
The old-age noncontributory pension is not payable abroad.
Disability pension: The insured is assessed with a total and permanent incapacity for full-time or part-time work and has at least 250 weeks of paid contributions as an employee or as a self-employed person, including an annual average of at least 20 weeks of paid or credited contributions. The insured must have been in continuous full-time or regular part-time employment or self-employment for at least 12 months before the date of the claim.
For each child reared, the insured person receives 2 years (4 years for a child with a disability) of credited contributions to finance disability survivor benefits. The credited periods for child rearing can be shared between the parents. The insured (including adoptive parents) must have legal custody of the child who must be younger than age 6 (age 10 if disabled).
Partial pension: A reduced pension is paid with an annual average of at least 20 weeks of contributions.
The disability pension is payable abroad.
Disabled child allowance (noncontributory): A benefit is paid to parents for a child with an assessed disability.
The allowance ceases at age 16 (14 for a child with a visual impairment) and is replaced by the disability pension.
Pension for visually impaired, disabled, or severely disabled persons (noncontributory): Paid for visually impaired, disabled, or severely disabled persons.
The noncontributory disability pension is not payable abroad.
Survivor pension: Paid to a widow(er) whose deceased spouse had paid at least 156 weeks of paid contributions, with an annual average of at least 20 weeks of paid or credited contributions from age 19, or who was of retirement age.
For each child reared, the insured person receives 2 years (4 years for a child with a disability) of credited contributions to finance survivor benefits. The credited periods for child rearing can be shared between the parents. The insured (including adoptive parents) must have legal custody of the child who must be younger than age 6 (age 10 if disabled).
Partial pension: A reduced pension is paid if the deceased had an annual average of at least 20 weeks of contributions (flat-rate pension) or 15 weeks of contributions (earnings-related pension).
Income test: Income must not exceed the minimum wage; widows younger than age 60 with children younger than age 21 qualify for the survivor pension regardless of income.
A widow(er) aged 60 or older without dependent children receives the survivor pension if his or her average weekly earnings do not exceed the national minimum wage.
The national weekly minimum wage is €152.29.
In case of remarriage, the widow(er)'s pension ceases 5 years after the date of remarriage.
Orphan's pension: Paid for the death of both parents. One parent must have been insured and had at least 1 week of contributions at the time of death.
Survivor benefits are payable abroad.
Cash benefits for insured workers (except permanent disability)
Old-age pension: Pensions vary depending on whether entitlement exists to the earnings-related pension that was introduced on January 22, 1979; whether an occupational service pension is paid (reducing the social security benefit); and whether the insured is married and has a dependent spouse.
The flat-rate pension for those who are also entitled to an occupational service pension ranges from €62.30 to €137.35 a week depending on the marital status of the insured.
Earnings-related pensions of up to €219.83 a week are based on 66.7% of annual average earnings of the best 3 consecutive years in the 10 years before retirement for employed persons or in the 10 years before retirement for self-employed persons.
Old-age noncontributory pension (means-tested): €95.63 is paid for a single person, and €122.08 is paid for a married couple. When only one member of a couple qualifies, €78.02 is paid.
Benefit adjustment: Benefits are adjusted according to increases in the cost of living allowance set annually by the government.
The flat-rate pension for those who are also entitled to an occupational service pension ranges from €62.30 to €137.35 a week depending on the marital status of the insured.
Earnings-related pensions of up to €219.83 a week are based on 66.7% of annual average earnings of the best 3 consecutive years in the 10 years before retirement for employed persons or in the 10 years before retirement for self-employed persons.
Old-age noncontributory pension (means-tested): €95.63 is paid for a single person, and €122.08 is paid for a married couple. When only one member of a couple qualifies, €78.02 is paid.
Benefit adjustment: Benefits are adjusted according to increases in the cost of living allowance set annually by the government.
Permanent disability benefits for insured workers
Disability pension: Pensions vary depending on whether an occupational service pension is paid and whether the insured is married and has a dependent spouse.
The minimum weekly pension is €58.29.
The maximum weekly pension is €137.35.
Disabled child allowance (noncontributory): €16.31 a week is paid.
Pension for visually impaired, disabled, or severely disabled persons (noncontributory): €90.47 is paid for a single person; €180.94 for a couple if both persons qualify.
Benefit adjustment: Benefits are adjusted according to increases in the cost of living allowance set annually by the government.
The minimum weekly pension is €58.29.
The maximum weekly pension is €137.35.
Disabled child allowance (noncontributory): €16.31 a week is paid.
Pension for visually impaired, disabled, or severely disabled persons (noncontributory): €90.47 is paid for a single person; €180.94 for a couple if both persons qualify.
Benefit adjustment: Benefits are adjusted according to increases in the cost of living allowance set annually by the government.
Survivors benefits for dependents
Survivor pension: The pension paid to a widow(er) varies depending on whether contributions were paid before January 22, 1979, and whether a survivor pension is paid by the deceased spouse's employer.
The maximum flat-rate pension for the survivor of a deceased person who paid contributions only before January 22, 1979, is €109.37 a week.
Earnings-related pensions of up to €183.19 a week are calculated based on 55.6% of annual average earnings of the best 3 consecutive years in the 10 years before the spouse's death or retirement on age or medical grounds for employees; in the last 10 years before the spouse's death or retirement on age or medical grounds for self-employed persons.
Survivor's supplement: €4.54 a week is paid per child if the child is entitled to the child allowance (see Family allowances, below). An additional €9.32 a week per child is paid if the child is younger than age 18 and the surviving spouse is not employed or self-employed.
Upon remarriage, the widow(er) continues to receive a pension, which varies from €85.78 to €109.37.
Orphan's pension: €50.08 a week is paid for each orphan younger than age 16; €90.46 for each orphan between ages 16 and 21 who is not gainfully employed. If the orphan is gainfully employed but gross earnings are less than the minimum wage, the allowance is reduced so that the allowance and gross earnings combined are equal to the national weekly minimum wage.
The national weekly minimum wage is €152.29.
Benefit adjustment: Benefits are adjusted according to increases in prices.
The maximum flat-rate pension for the survivor of a deceased person who paid contributions only before January 22, 1979, is €109.37 a week.
Earnings-related pensions of up to €183.19 a week are calculated based on 55.6% of annual average earnings of the best 3 consecutive years in the 10 years before the spouse's death or retirement on age or medical grounds for employees; in the last 10 years before the spouse's death or retirement on age or medical grounds for self-employed persons.
Survivor's supplement: €4.54 a week is paid per child if the child is entitled to the child allowance (see Family allowances, below). An additional €9.32 a week per child is paid if the child is younger than age 18 and the surviving spouse is not employed or self-employed.
Upon remarriage, the widow(er) continues to receive a pension, which varies from €85.78 to €109.37.
Orphan's pension: €50.08 a week is paid for each orphan younger than age 16; €90.46 for each orphan between ages 16 and 21 who is not gainfully employed. If the orphan is gainfully employed but gross earnings are less than the minimum wage, the allowance is reduced so that the allowance and gross earnings combined are equal to the national weekly minimum wage.
The national weekly minimum wage is €152.29.
Benefit adjustment: Benefits are adjusted according to increases in prices.
Administrative organization
Ministry for the Family and Social Solidarity (http://www.mfss.gov.mt) provides general supervision.
Ministry for the Family and Social Solidarity
Palazzo Ferreria, 310 Republic Street,
Valletta VLT2000,
Malta
Tel.: +(356) 2590 3100
Fax: +(356) 2590 3121
Director General of Social Security manages the program.
Social Security Division administers the program.
Social Security Division
38, Ordinance Street,
Valletta, VLT2000
Malta
Ministry for the Family and Social Solidarity
Palazzo Ferreria, 310 Republic Street,
Valletta VLT2000,
Malta
Tel.: +(356) 2590 3100
Fax: +(356) 2590 3121
Director General of Social Security manages the program.
Social Security Division administers the program.
Social Security Division
38, Ordinance Street,
Valletta, VLT2000
Malta
Réponse à la dernière enquête: 01 Janvier 2010
Dernière mise à jour AISS: 01 Janvier 2010
Taux de change: US$1.00 equals 0.70 euros (€).