Senegal Survivor pension: The insured was a pensioner or met the qualifying conditions for a pension at the time of death. Senegal Eligible survivors are a widow aged 50 or older (aged 45 Exchange rate: US$1.00 = 503.30 CFA francs. or older for a reduced pension) or caring for two depen- dent children younger than age 21; a widower aged 55 or older (any age if disabled); and orphans younger than age 21 if their guardians are not eligible for a pension. The Old Age, Disability, and Survivors widow(er) must have been married to the deceased for at least two years before the death. Regulatory Framework Old-Age Benefits First and current law: 1975 (compulsory insurance). Old-age pension: The pension is the insured’s number Type of program: Social insurance system. of points multiplied by the value of a point at the time of Coverage retirement. The number of points is the sum of points awarded: for con- Private-sector and government employees who are not civil tributions, free points given under some conditions, from servants, including household, seasonal, and day workers. the complementary scheme for white collars workers, and Voluntary coverage for previously covered employees for family responsibilities. aged 40 or older with at least five years of contributions. The number of points awarded for contributions each year Exclusions: Self-employed persons. is based on the value of total contributions divided by the Special system for civil servants. reference salary. The reference salary is set annually by the Administrative Council of the Social Insurance Institute for Note: A compulsory complementary scheme exists for Old-Age Pensions. white collar workers. Free additional points are credited for periods of employ- Source of Funds ment before the current program was implemented if the insured worked for at least 10 years (five years for house- Insured person: 5.6% of covered monthly earnings. White hold workers) before or after the program began and has at collar workers contribute an additional 2.4% to a comple- least one year of contributions; additional points are also mentary scheme. credited for certain periods of incapacity, work injury, and The maximum monthly earnings used to calculate con- maternity leave. tributions are 256,000 CFA francs (768,000 CFA francs The minimum number of points required for a pension is for white collar workers). 400. Self-employed person: Not applicable. The value of a point is adjusted annually by the Social Employer: 8.4% of covered monthly earnings; an addi- Insurance Institute for Old-Age Pensions. tional 3.6% to a complementary scheme for white collar Child’s supplement: The pension is increased by 5% for workers. each eligible child, up to three children. The maximum monthly earnings used to calculate contribu- Early pension: The old-age pension is reduced by 5% for tion are 256,000 CFA francs (768,000 CFA francs for white each year the pension is taken before age 55; reduced by 1% collar workers). per quarter for white collar workers. Employers with 20 or more employees pay contributions monthly; employer with one to 19 employees pay quarterly. Permanent Disability Benefits Government: None. Disability pension: No statutory benefits are provided. Qualifying Conditions Survivor Benefits Old-age pension: Age 55 to 60 (age 55 for arduous work) Survivor pension: 50% of the deceased’s old-age pension depending on the type of employment at retirement, accord- is paid to a widow(er). The pension paid to a widow aged 45 ing to a point system. Employment must cease. to 50 is reduced by 5% for each year she is younger than age 50. If there is more than one widow, the pension is split Child’s supplement: Additional points are credited for each equally. dependent child younger than age 21, up to three children. Orphan’s pension: 20% of the deceased’s old-age pension Early pension: Age 53. is paid to each eligible orphan. Disability pension: No statutory benefits are provided. 146 ♦ SSPTW: Africa, 2011 Senegal All orphans’ pensions combined must not exceed 50% Qualifying Conditions of the deceased’s old-age pension if there is a survivor’s pension (if there are more than three orphans, pensions are Cash sickness benefits: No statutory benefits are reduced proportionately). provided. Cash maternity benefits: The insured must have at Administrative Organization least three consecutive months of employment and have Ministry of Public Function, Labor, Employment, and Pro- worked at least 18 days or 120 hours a month. fessional Organizations provides general supervision. Benefits are payable abroad only under reciprocal Social Insurance Institute for Old-Age Pensions (http:// agreement. www.ipres.sn), managed by a bipartite employer and Medical benefits: The insured must have at employee board, administers the program. least two months of contributions. Sickness and Maternity Sickness and Maternity Benefits Regulatory Framework Sickness benefit: No statutory benefits are provided. Maternity benefit: 100% of the insured’s last daily First laws: 1952 (cash maternity benefits) and 1975 (medi- earnings is paid for six weeks before and eight weeks cal benefits). after the expected date of childbirth; may be extended Current laws: 1973 (cash maternity benefits), 1975 (medi- by three weeks if there are complications arising from preg- cal benefits), and 1991 (administration). nancy or childbirth. Type of program: Social insurance system. Cash maternity The benefit is paid monthly, at the date of childbirth, or and medical benefits. when the benefit period ceases. Coverage Workers’ Medical Benefits Cash sickness benefits: No statutory benefits are Benefits include partial cost sharing for health care costs, provided. including hospitalization, pharmaceuticals, and doctor’s visits. There is no limit to duration. Cash maternity benefits: Employed women and nonem- Cost sharing: From 30% to 80% of the costs, according to ployed women married to an insured man. the availability of funds. Special system for civil servants and armed forces The Social Insurance Institute for Old-Age Pensions also personnel. provides medical benefits directly to old-age pensioners and Medical benefits: Employed persons, including appren- survivor pensioners. tices, seasonal workers, and temporary workers who work at least three months a year for the same enterprise. Dependents’ Medical Benefits Exclusions: Self-employed persons. Medical benefits for dependents are the same as those for Health mutual insurance companies provide medical ben- the insured. Eligible dependents are the spouse and depen- efits to informal-sector workers in certain areas. dent children older than age 2 and younger than age 15 (age 18 if an apprentice, age 21 if a student or disabled). Source of Funds Administrative Organization Insured person: Up to 3% of gross monthly earnings (rates vary according to the health institute). Ministry of Public Function, Labor, Employment, and Pro- fessional Organizations provides general supervision. The insured’s contributions finance medical benefits only. Cash maternity benefits are financed by the employer’s Social Security Fund (http://www.secusociale.sn) adminis- contributions under Family Allowances. ters the maternity benefit program. Health institutes administer the medical benefits program. Self-employed person: Not applicable. The law requires companies with more than 100 employees Employer: Up to 3% of gross monthly payroll (rates vary to participate; smaller firms may group together to join a according to the health institute). health institute. The employer’s contributions finance medical benefits only. Cash maternity benefits are financed by the employer’s Work Injury contributions under Family Allowances. Regulatory Framework Government: None. First law: 1932. SSPTW: Africa, 2011 ♦ 147 Senegal Current laws: 1973 (social security) and Benefit adjustment: Benefits are adjusted periodically 1991(administration). according to enterprise-based agreements. Type of program: Social insurance system. Permanent Disability Benefits Coverage Permanent disability pension: 100% of the insured’s Employed persons, including seamen; apprentices; trainees; monthly average earnings in the 12 months before the dis- technical students (except those attending technical univer- ability began is paid for a total disability. sities); members of cooperatives; nonsalaried managers of The pension is payable abroad only under reciprocal cooperatives and their assistants; certain company manag- agreement. ers; temporary, casual, and daily workers; and prisoners Partial disability: The pension is the insured’s monthly working in prison workshops. average earnings in the 12 months before the disabil- Voluntary coverage for certain categories of self-employed ity began multiplied by 0.5 times the percentage of the persons without mandatory coverage, including farmers. assessed degree of disability for the portion of disability between 1% and 50% and by 1.5 times for the portion above Source of Funds 50%. Insured person: None. The partial disability pension may be paid partially as a lump sum after five to seven years if the assessed degree of Self-employed person: Voluntary contributions of 1%, disability is greater than 10%. If the assessed degree of dis- 3%, or 5% of covered payroll, according to the assessed ability is 10% or less, the pension is paid as a lump sum. degree of risk. For an assessed degree of disability greater than 10%, the The minimum annual earnings used to calculate voluntary minimum annual earnings used to calculate benefits are contributions are 439,916 CFA francs. 897,570 CFA francs. The maximum annual earnings used to calculate voluntary Social Security Fund doctors assess the disability, based contributions are 756,000 CFA francs. on recommendations of the insured’s doctor. The insured Employer: 1%, 3%, or 5% of covered payroll, according to may be required to undergo medical examinations the assessed degree of risk. The average contribution rate is every two years. 2.5%. Constant-attendance supplement: If the insured requires the The minimum monthly earnings used to calculate contribu- constant attendance of others to perform daily functions, tions are the legal monthly minimum wage.