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Algerien
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Old Age, Disability and Survivors
Regulatory Framework
First law: 1949.
Current laws: 1983 (Law No. 83-12 of 2 July), implemented in January 1984, with 1996, 1997, and 1999 amendments; and 1994 (Decree No. 94-10 of 26 May, on early retirement).
Type of program: Social insurance system.
Current laws: 1983 (Law No. 83-12 of 2 July), implemented in January 1984, with 1996, 1997, and 1999 amendments; and 1994 (Decree No. 94-10 of 26 May, on early retirement).
Type of program: Social insurance system.
Coverage
All persons employed under a labor contract, household workers, actors, and certain categories of fishermen and apprentices with earnings of at least half the legal minimum wage.
The legal monthly minimum wage is 15,000 dinars.
Special systems for armed forces personnel and self-employed persons.
The legal monthly minimum wage is 15,000 dinars.
Special systems for armed forces personnel and self-employed persons.
Source of funds
Insured person: 7% of gross earnings (including 0.5% for the early pension).
The insured person's contributions finance old-age benefits only. Disability benefits, survivor benefits, and the death grant are financed under Sickness and Maternity.
Self-employed person: Not applicable.
Employer: 10.25% of gross payroll (including 0.25% for the early pension).
The employer's contributions finance old-age benefits only. Disability benefits, survivor benefits, and the death grant are financed under Sickness and Maternity.
Government: None; the government subsidizes the minimum pension.
The insured person's contributions finance old-age benefits only. Disability benefits, survivor benefits, and the death grant are financed under Sickness and Maternity.
Self-employed person: Not applicable.
Employer: 10.25% of gross payroll (including 0.25% for the early pension).
The employer's contributions finance old-age benefits only. Disability benefits, survivor benefits, and the death grant are financed under Sickness and Maternity.
Government: None; the government subsidizes the minimum pension.
Qualifying conditions
Old-age pension: Age 60 (men); age 55 (veterans) with at least 15 years of contributions; age 55 (women) with at least 10 years of contributions; any age (men and women) with at least 32 years of contributions. Employment must cease.
Workers who do not have the required number of years of coverage at the normal retirement age can continue to work for up to five years to meet the qualifying conditions.
Persons employed in arduous or unhealthy work can retire before the normal retirement age. The normal retirement age for insured women (age 55) who have raised at least one child for at least nine years is reduced by a year for each child, up to three years. The normal retirement age for veterans with a disability (age 55) is reduced, according to the assessed degree of disability.
Paid at any age for workers with a total disability who do not meet the qualifying conditions for a disability pension.
Partial pension: Age 50 with at least 20 years of contributions (men) and age 45 with at least 15 years of contributions (women) and voluntarily retired from employment.
Early pension: Age 50 (men) and age 45 (women) with at least 20 years of contributions. The insured must be involuntarily unemployed due to economic factors such as downsizing or business closure, must have worked at least three of the last 10 years with the employer, and must not receive income from any professional activity. The employer must pay a lump-sum contribution, calculated according to the number of years that the insured retires before the normal retirement age.
Dependent spouse's supplement: Paid for a dependent spouse whose income is less than the minimum old-age pension (11,250 dinars).
Constant-attendance supplement: Paid if the insured requires the constant attendance of others to perform daily functions.
Retirement settlement: Age 60 or older with at least five years or 20 quarters of coverage and does not meet the qualifying conditions for the old-age pension.
All old-age benefits are payable abroad only under reciprocal agreement.
Disability pension: The total disability pension is paid if the insured is assessed with a total loss of working capacity. The insured must have at least 60 days of employment in the last 12 months or 180 days in the last three years.
Partial disability: The insured must be assessed with at least a 50% loss of earning capacity.
Constant-attendance supplement: Paid if the insured requires the constant attendance of others to perform daily functions.
All disability benefits are payable abroad only under reciprocal agreement.
Survivor pension: The deceased was a pensioner or met the qualifying conditions for a pension.
Death grant: The deceased had at least 15 days (or 100 hours) of insured employment in the three months before death.
Eligible survivors are a widow(er) of any age; children younger than age 18 (age 25 if an apprentice with earnings not greater than half the legal minimum wage, age 21 if a student, no limit if disabled or a daughter without income); and dependent parents with income less than the minimum old-age pension.
All survivor benefits are payable abroad only under reciprocal agreement.
Workers who do not have the required number of years of coverage at the normal retirement age can continue to work for up to five years to meet the qualifying conditions.
Persons employed in arduous or unhealthy work can retire before the normal retirement age. The normal retirement age for insured women (age 55) who have raised at least one child for at least nine years is reduced by a year for each child, up to three years. The normal retirement age for veterans with a disability (age 55) is reduced, according to the assessed degree of disability.
Paid at any age for workers with a total disability who do not meet the qualifying conditions for a disability pension.
Partial pension: Age 50 with at least 20 years of contributions (men) and age 45 with at least 15 years of contributions (women) and voluntarily retired from employment.
Early pension: Age 50 (men) and age 45 (women) with at least 20 years of contributions. The insured must be involuntarily unemployed due to economic factors such as downsizing or business closure, must have worked at least three of the last 10 years with the employer, and must not receive income from any professional activity. The employer must pay a lump-sum contribution, calculated according to the number of years that the insured retires before the normal retirement age.
Dependent spouse's supplement: Paid for a dependent spouse whose income is less than the minimum old-age pension (11,250 dinars).
Constant-attendance supplement: Paid if the insured requires the constant attendance of others to perform daily functions.
Retirement settlement: Age 60 or older with at least five years or 20 quarters of coverage and does not meet the qualifying conditions for the old-age pension.
All old-age benefits are payable abroad only under reciprocal agreement.
Disability pension: The total disability pension is paid if the insured is assessed with a total loss of working capacity. The insured must have at least 60 days of employment in the last 12 months or 180 days in the last three years.
Partial disability: The insured must be assessed with at least a 50% loss of earning capacity.
Constant-attendance supplement: Paid if the insured requires the constant attendance of others to perform daily functions.
All disability benefits are payable abroad only under reciprocal agreement.
Survivor pension: The deceased was a pensioner or met the qualifying conditions for a pension.
Death grant: The deceased had at least 15 days (or 100 hours) of insured employment in the three months before death.
Eligible survivors are a widow(er) of any age; children younger than age 18 (age 25 if an apprentice with earnings not greater than half the legal minimum wage, age 21 if a student, no limit if disabled or a daughter without income); and dependent parents with income less than the minimum old-age pension.
All survivor benefits are payable abroad only under reciprocal agreement.
Cash benefits for insured workers (except permanent disability)
Old-age pension: The pension is 2.5% of average monthly earnings in the five years before retirement or the best five years of the total professional career (whichever is greater) multiplied by the number of years of contributions, up to 80%.
To calculate the pension, each covered year or covered quarter is based on 180 days or 45 days of work, respectively. The pension is paid monthly.
The minimum pension is 75% of the legal monthly minimum wage.
The maximum pension is 15 times the legal monthly minimum wage.
The legal monthly minimum wage is 15,000 dinars.
Dependent spouse's supplement (regular pension): 1,731 dinars is paid.
Constant-attendance supplement (regular pension): 40% of the insured's pension is paid. The minimum supplement is 2,470.34 dinars.
Partial pension and early pension: The pension is reduced by 1% for each year the pension is awarded before the normal retirement age. The pension is increased every 12 months by 1% until the pensioner reaches the normal retirement age, at which time it is recalculated using the number of years the pension was awarded before the normal retirement age and the insured's total coverage period.
The minimum early pension is 75% of the legal monthly minimum wage.
The legal monthly minimum wage is 15,000 dinars.
Retirement settlement: The benefit is a lump sum of 2.5% of average monthly earnings in the five years before retirement or the best five years of the total professional career (whichever is greater) multiplied by the number of years of contributions.
Benefit adjustment: Benefits are adjusted annually in May.
To calculate the pension, each covered year or covered quarter is based on 180 days or 45 days of work, respectively. The pension is paid monthly.
The minimum pension is 75% of the legal monthly minimum wage.
The maximum pension is 15 times the legal monthly minimum wage.
The legal monthly minimum wage is 15,000 dinars.
Dependent spouse's supplement (regular pension): 1,731 dinars is paid.
Constant-attendance supplement (regular pension): 40% of the insured's pension is paid. The minimum supplement is 2,470.34 dinars.
Partial pension and early pension: The pension is reduced by 1% for each year the pension is awarded before the normal retirement age. The pension is increased every 12 months by 1% until the pensioner reaches the normal retirement age, at which time it is recalculated using the number of years the pension was awarded before the normal retirement age and the insured's total coverage period.
The minimum early pension is 75% of the legal monthly minimum wage.
The legal monthly minimum wage is 15,000 dinars.
Retirement settlement: The benefit is a lump sum of 2.5% of average monthly earnings in the five years before retirement or the best five years of the total professional career (whichever is greater) multiplied by the number of years of contributions.
Benefit adjustment: Benefits are adjusted annually in May.
Permanent disability benefits for insured workers
Disability pension: The pension is 80% of average earnings in the last year or the best three years of the total work history (whichever is greater).
At the normal retirement age, the disability pension ceases and is replaced by an old-age pension of at least the same amount.
Constant-attendance supplement: 40% of the pension is paid.
Partial disability: The pension is 60% of average earnings in the last year or the best three years of the total work history (whichever is greater).
The legal monthly minimum wage is 15,000 dinars.
Benefit adjustment: Benefits are adjusted annually in May.
At the normal retirement age, the disability pension ceases and is replaced by an old-age pension of at least the same amount.
Constant-attendance supplement: 40% of the pension is paid.
Partial disability: The pension is 60% of average earnings in the last year or the best three years of the total work history (whichever is greater).
The minimum pension is 75% of the legal monthly minimum wage.
The legal monthly minimum wage is 15,000 dinars.
Benefit adjustment: Benefits are adjusted annually in May.
Survivors benefits for dependents
Survivor pension: 75% (50% if there are other survivors) of the old-age or disability pension the deceased received or would have been entitled to receive is paid to the widow(er). If there is more than one widow, the pension is split equally.
Other eligible survivors: 30% of the old-age or disability pension the deceased received or would have been entitled to receive is paid for one other survivor; 40% is split equally if there is more than one survivor.
If there is no surviving spouse, 45% of the old-age or disability pension the deceased received or would have been entitled to receive is paid to a full orphan and 30% to a dependent parent.
All survivor benefits combined must not be less than 75% of the legal monthly minimum wage.
All survivor benefits combined must not exceed 90% of the pension the deceased received or would have been entitled to receive.
The legal monthly minimum wage is 15,000 dinars.
Benefit adjustment: Benefits are adjusted annually in May.
Death grant: A lump sum of 12 times the deceased's best monthly earnings in the year before death is paid.
The minimum death grant is 12 times the legal monthly minimum wage.
The legal monthly minimum wage is 15,000 dinars.
Other eligible survivors: 30% of the old-age or disability pension the deceased received or would have been entitled to receive is paid for one other survivor; 40% is split equally if there is more than one survivor.
If there is no surviving spouse, 45% of the old-age or disability pension the deceased received or would have been entitled to receive is paid to a full orphan and 30% to a dependent parent.
All survivor benefits combined must not be less than 75% of the legal monthly minimum wage.
All survivor benefits combined must not exceed 90% of the pension the deceased received or would have been entitled to receive.
The legal monthly minimum wage is 15,000 dinars.
Benefit adjustment: Benefits are adjusted annually in May.
Death grant: A lump sum of 12 times the deceased's best monthly earnings in the year before death is paid.
The minimum death grant is 12 times the legal monthly minimum wage.
The legal monthly minimum wage is 15,000 dinars.
Administrative organization
Ministry of Labor and Social Security provides general supervision.
Ministry of Labor and Social Security
44 Rue Mohamed belouizdad,
160004,
Alger,
Algeria
Tel.: +(213) 21 65 99 99
National Retirement Fund (http://www.cnr-dz.com) administers the old-age program for salaried employees.
National Retirement Fund
Rue Hassan Benaamane Bir Mourad Rais,
BP 547 Birkhadem,
Alger,
Algeria
Tel.: +(213) 21 44 60 23
Fax: +(213) 21 44 66 78
National Social Insurance Fund (http://www.cnas.org.dz) administers the disability and survivors program for salaried employees.
National Social Insurance Fund
Route des deux bassins Ben Aknoun,
BP 218 El-Biar,
DZ-16030,
Alger,
Algeria
Tel.: +(213) 21 91 16 66
Fax: +(213) 21 91 15 91
National Social Security Fund for Nonwage Earners (http://www.casnos.com.dz) administers the old-age and disability program for nonwage earners.
National Social Security Fund for Nonwage Earners
5 Passage Abou Moussa Hamou,
BP 124 Didouche Mourad,
DZ-13000,
Alger,
Algeria
Tel.: +(213) 21 64 17 37
Fax: +(213) 21 64 19 52
Ministry of Labor and Social Security
44 Rue Mohamed belouizdad,
160004,
Alger,
Algeria
Tel.: +(213) 21 65 99 99
National Retirement Fund (http://www.cnr-dz.com) administers the old-age program for salaried employees.
National Retirement Fund
Rue Hassan Benaamane Bir Mourad Rais,
BP 547 Birkhadem,
Alger,
Algeria
Tel.: +(213) 21 44 60 23
Fax: +(213) 21 44 66 78
National Social Insurance Fund (http://www.cnas.org.dz) administers the disability and survivors program for salaried employees.
National Social Insurance Fund
Route des deux bassins Ben Aknoun,
BP 218 El-Biar,
DZ-16030,
Alger,
Algeria
Tel.: +(213) 21 91 16 66
Fax: +(213) 21 91 15 91
National Social Security Fund for Nonwage Earners (http://www.casnos.com.dz) administers the old-age and disability program for nonwage earners.
National Social Security Fund for Nonwage Earners
5 Passage Abou Moussa Hamou,
BP 124 Didouche Mourad,
DZ-13000,
Alger,
Algeria
Tel.: +(213) 21 64 17 37
Fax: +(213) 21 64 19 52
Letzte Antwort auf die Datenerhebung: 01 Januar 2011
Letzte Aktualisierung durch die IVSS: 01 Januar 2011
Wechselkurs: US$1.00 = 73.15 dinars.