First and current law: 1974.
Type of program: Provident fund system.
Employed persons.
Exclusions: Casual employees, self-employed persons, domestic workers, and foreign workers.
Voluntary coverage for employees not compulsorily covered and for members of religious organizations.
Special system for civil servants.
Insured person: 5% of earnings.
The maximum monthly earnings for contribution purposes are 600 lilangeni.
Self-employed person: Not applicable.
Employer: 5% of payroll.
The maximum monthly earnings for contribution purposes are 600 lilangeni.
Government: None.
Old-age benefit: Age 50 (age 45 if covered employment ceases); any age if emigrating permanently.
Benefits are payable abroad only if there is a reciprocal agreement.
Disability benefit: Payable for a permanent total or partial disability.
Benefits are payable abroad only if there is a reciprocal agreement.
Survivor benefit: Payable for the death of the fund member before retirement.
The eligible survivor is the spouse. In the absence of the spouse, the eligible survivors are other dependents or other persons designated by the fund member.
Benefits are payable abroad only if there is a reciprocal agreement.
Total employer and employee contributions, plus interest. The benefit may be paid as a lump sum, in installments, or converted to an annuity.
Interest rate: A minimum of 3% a year.
Total employer and employee contributions, plus interest. The benefit may be paid as a lump sum, in installments, or converted to an annuity.
Interest rate: A minimum of 3% a year.
Total employer and employee contributions, plus interest. The benefit may be paid as a lump sum, in installments, or converted to an annuity.
Interest rate: A minimum of 3% a year.
Ministry of Finance (http://www.gov.sz) provides general supervision.
Managed by a tripartite board and director, the National Provident Fund (http://www.snpf.co.sz) administers the program.
First law: 1963.
Current law: 1983.
Type of program: Employer-liability system, involving compulsory insurance with a private carrier.
Employed persons in the private and public sectors, trainees, and apprentices.
Exclusions: Domestic servants, types of contract workers, family labor, and casual workers.
Insured person: None.
Self-employed person: Not applicable.
Employer: Total cost, met through the payment of insurance premiums.
Government: None.
Work injury benefits: There is no minimum qualifying period. Accidents that occur while commuting to and from work are covered.
75% of the insured's earnings are payable after a
The benefit may be paid as a lump sum calculated according to the expected duration of the disability.
The minimum monthly earnings for benefit calculation purposes are 75 lilangeni.
The maximum monthly earnings for benefit calculation purposes are 500 lilangeni.
For a total disability, a lump sum equal to 54 times the insured's monthly earnings at the time of the accident.
Constant-attendance allowance: A lump sum equal to 25% of the permanent disability benefit if totally disabled.
Partial disability: A percentage of the full benefit according to the loss of working capacity.
The minimum monthly earnings for benefit calculation purposes are 75 lilangeni.
The maximum monthly earnings for benefit calculation purposes are 500 lilangeni.
Benefits include medical care, surgery, hospitalization, medicines, dental and eye care, transportation, appliances, and medical care abroad if necessary (up to a maximum of 6,325 lilangeni).
Survivor benefit: The survivors receive a lump sum equal to 48 times the deceased's monthly earning at the time of the accident, minus any permanent disability benefits paid to the deceased.
The minimum monthly earnings for benefit calculation purposes are 75 lilangeni.
The maximum monthly earnings for benefit calculation purposes are 500 lilangeni.
Eligible survivors are an unemployed widow, a disabled widower, and children; a reduced benefit is paid to survivors who were partially dependent on the deceased.
Funeral grant: A lump sum is paid by the employer to cover the cost of the funeral, up to a maximum of 300 lilangeni.
Department of Labor of the Ministry of Enterprise and Employment (http://www.gov.sz) enforces the law.
Employers must insure the assessed liability with a private insurance company.