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PRESENTATION OF THE SOCIAL SECURITY SYSTEM IN TUNISIA

This presentation provides an overview of Tunisia's social security system, including its organization, management, and various schemes. It discusses the role of the National Social Security Fund (NSSF) in administering family allowances, social insurance, and pensions, as well as the National Health Insurance Fund (CNAM) in managing health insurance. The presentation also covers the different social security schemes in the private sector, such as the non-agricultural scheme, agricultural workers' system, self-employed scheme, and more.

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PRESENTATION OF THE SOCIAL SECURITY SYSTEM IN TUNISIA

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  1. PRESENTATION OF THE SOCIAL SECURITY SYSTEM IN TUNISIA Presented by : Mr. Mohamed AOUNI Mr. Tarek LAKHDHAR

  2. Acknowledgment At first ,allow us to introduce to the SESRIC and SSI of Turkey the greetings and thanks for this invitation. We would like also to express our congratulations to all members for their contribution and efforts to get together around this workshop , to discuss about social security systems and share with you our respective experiences in this domain. We wish success to our meeting and to develop our cooperation.

  3. Introduction The social security system in Tunisia is organized around four funds: -The Retirement and Social Provisions National Fund (RSPNF) manages the public sector schemes. • The National Social Security Fund manages the private sector. • The National Health Insurance Fund(NHIF) manages health insurance schemes in the public and private sectors and the regime of occupational accidents and diseases in private sector. -Lawyers ‘Fund manages health insurance and the pensions’plan for lawyers.

  4. THE NATIONAL SOCIAL SECURITY FUND

  5. Introduction The National Social Security Fund (NSSF) was established under Law No. 60-30 of 14 December 1960. It is considered as a public company by Decree No. 2004-2265 of the 27th of September 2004. The NSSF is responsible for the management of the following branchs: family allowances, social insurance and pension . It ensures the payment of social security contributions in the private sector. The management of the health insurance and compensation for damages resulting from work accidents and occupational diseases has been entrusted to the National Health Insurance Fund (CNAM) under Law No. 2004-71 of August the 2nd, 2004. .

  6. Introduction Submitted to the Ministry of Social Affairs, the NSSF has its headquarters in Tunis and its action is extended by the Regional Offices (28) and Local offices (15) and antenna (5). NSSF administers a network of six polyclinics granting ambulatory care to insured persons. 7

  7. Administrative organisation The Board of Directors is composed of the following members: a) Three members representing the State as follows: -a representative of the Ministry of Economy, -a representative of the Ministry of Finance, -a representative of the Ministry of Social Affairs. b) Four members representing the most representative employers' organizations. c) Four members representing unions of the most representative workers.

  8. The Board of Directors of the NSSF is responsible in particular to: • Establish and draw up the financial statements, • Draw up the projected operating budget and investment and monitor its implementation, • Draw up the program contracts and monitor their implementation

  9. The technical organization NSSF's mission is to manage the following areas: •    membership of employers •    Registration of insured •    the reminding and collecting of contributions including those attributable to the National Health Insurance Fund (CNAM). •   the granting of social security benefits •    control of the employers and the employees •    and litigation of contributions ‘collection 10

  10. The technical organization The different social security schemes in the private sector are as follows: - The non agricultural sheme(NAS) This is the general scheme of the private sector. This scheme covers employees in the trade sector of industry and services and fishermen working on vessels of 30 tons or more . - The agricultural workers' system (RSA) This plan covers employees working in agriculture and employed for at least 45 days per quarter with the same employer.

  11. The technical organization - The Improved Agricultural Workers Scheme (IAWS) This plan covers the cooperators, employees of agricultural companies, employees of farmers employing 30 permanent employees at least and fishermen employed on ships whose gross tonnage is less than 30 tons. - The Self-Employed Scheme (SES) This plan covers employees of agricultural and non-agricultural sectors working for their own account.

  12. The technical organization - The Low-Income Workers’ Scheme          This plan covers: • Domestic servants, • The workers of the national projects, • Small fishermen • Small farmers and breeders, •  The craftsmen .

  13. The technical organization - The artists and creators scheme This plan covers:   People exercising a permanant artistic or cultural activity and receiving no permanent compensation by the State or income related to another activity, and that they are not subject to any another social security scheme.

  14. The technical organization - The Scheme of Tunisian workers abroad (STWA) This scheme is optional, it covers the Tunisian workers abroad whether employed or self-employed, who are not covered by a private plan or a bilateral social security agreement. - The students ‘Scheme This plan covers students registered in Tunisian universities until the age of 28 years.

  15. The technical organization Furthermore a number of bilateral social security agreements have been concluded for the sake of guaranteeing the right to social protection of Tunisians abroad. The agreements were concluded with the following countries: France-Algeria - Belgium- Germany- Italy- Luxembourg- Netherlands- Austria-Libya-Morocco-Egypt - Spain-Portugal-Turkey-Czech Republic, Mauritania, Bulgaria.

  16. The number of employers and active workers

  17. contribution rates

  18. The contribution base The contribution base is as follows: N. Agr. scheme Contributions are based on the total wages of the following elements, emoluments, allowances and other benefits, in cash or in kind, related to the quality of employee. 19

  19. The contribution base • Agr.Sch Contributions are based on a lump –sum salary calculated on the basis of the guaranteed minimum agricultural wage (GMAW) • Self-Employed- Artists’Scheme-T.W.Abroad Contributions are based on standard income determined by reference to the guaranteed minimum industrial wage (GMIW) and the guaranteed minimum agricultural wage (GMAW) S.Employed:10 classes of revenues, the coefficients vary beyween 1 and18 (GMIW) or (GMAW) . Artists’sch: 10 classes of revenues, the coefficients vary between 2 and18. T.W.Abroad: 4 classes of revenues, the coefficients vary between 2 and 9. 20

  20. Benefitsprovided NSSF grants the following benefits Short-term benefits are:     * Family allowances     * Allowance for single salary     * Allowance for birth leave     * Allowance for young workers ‘ leave     * The death benefit. 21

  21. Benefitsprovided Long-term benefits are:     * Old age pensions     * Disability pensions     * Survivors' pensions     * Complementary retirement pensions     * The -death capital. 22

  22. Old Age Pension : Qualifying conditions 23

  23. Old –Age Pension : Pension calculation for employees: The amount of the pension is equal to 40% of the reference salary for the first 120 months of contributions increased by 0.5% for each additional quarter without exceeding 80% of the salary. Pension calculation for self employed and artists …. scheme: The amount of the pension is equal to 30% of the income average earningsat the time of the liquidation of the pension, increased by 0.5% for each additional quarter without exceeding 80% of the income. 24

  24. The disability pension: N.Agr.Sch The eligibility’ conditions : The disability pension is granted to the employee who satisfies the following conditions: - Being diagnosed with a non-occupational disability reducing by two-thirds his capacity to work or earn. - Have definitively ceased all professional activities subject to social security schemes. - Be under 60 years. - Have completed at least 20 quarters of contributions. This condition is not required if the disability is due to a non-occupational accident. 25

  25. Disability Pension: Pension’s calculation Surviving Spouse without orphan: -75% of the old age pension. Surviving spouse with an orphan: -70% of the old age pension. -30% to the orphan of the old age pension. Surviving Spouse with 2 orphans or more: -50% of the old age pension . -50% of the old age pension. 26

  26. The revalorization of pensions Pensions are automatically revalorized at each increase in the minimum wage. The increases are proportionally determined by the variation in the minimum wage.

  27. Deathbenefit Calculation of the amount of death benefit The minimum amount of the death benefit is equal to an annual minimum wage. For the active persons and it is reduced for pensioners according to their age. The death benefit is reduced to: - 50% if the deceased pensioner is under 70 years. - 40% where death occurs after age 70 years. - 30% where death occurs after age 75 years. - 20% where death occurs after age 80 years. - 10% where death occurs after age 85 years. 28

  28. Self-employed - T.W.Abroad - Artists Benefits’base of pension It is defined by the weighted average multiplier coefficients corresponding to the classes to which the insured adhered throughout his career, based on the (GMIW) or the (GMAW) in effect at the time of the opening of entitlement to the benefit.

  29. Number of beneficiaries of pensions -year 2013-

  30. The Retirement and Social Provisions National Fund (RSPNF)

  31. Introduction The Retirement and Social Provisions Fund(RSPNF) manages pension and death benefits plan for the affiliates of the public sector: -Public officials, -The military, -Government members, -Deputies and governors Family and cash benefits in case of illness and delivery and benefits in kind and cash to repair damage resulting from work accidents and occupational diseases are granted by the employer.

  32. Field of application The general scheme of the RSPNF is established under the Law No. 85-12 of the 5 th of March 1985. 33

  33. Number of the insured

  34. Contributions’base and rate Contributions’base Contributions are based on the various permanent elements of remuneration in cash and in kind. Contributions’rate

  35. The oldage pension :Qualifying conditions 36

  36. The disability pension The eligibility’ conditions : The disability pension is granted to the employee who checks the following conditions: - Being suffering from a non-occupational disability two thirds disability - Be under 60 years. Pension calculation The disability pension is calculated in the same way as the retirement pension. 37

  37. The survivors' pension The eligibility’ conditions : The survivors' pension is granted to survivors of an old-age or disability For the surviving spouse- Being married to at the moment of death Age requirement for orphans: - Until the age of 21 years without conditions. - Up to age 25 years for non-scholarship students. - No age limit for the orphan unmarried or divorced without income. - No age limit for disabled orphans suffering from an incurable disease. 38

  38. The survivors' pension The rate of survivors' pension : For the surviving spouse: - 75% of the retirement or disability pension whose received or would have received the deceased without orphan or with1 or 2 orphans - 70% in the presence of 3 orphans. - 60% in the presence of 4 orphans. - 50% in the presence of 5 orphans and over. 39

  39. The revalorization of pensions Pensions are revalorized on the basis of the increase granted to the active.

  40. The deathbenefit Contribution rates: 41

  41. The deathbenefit Calculating the amount of the death benefit The same calculation as that of the NSSF 42

  42. Lawyers ‘Fund

  43. Introduction Provident Fund and pension for lawyers exists since 1923, its organization and functioning have been modified by Decree No. 355 of the 11th of February 2008. The Fund guarantees the following benefits: health coverage, temporary compensation for sickness, maternity, accidents, death and the payment of pensions.

  44. Benefitrecipients - the lawyer - the spouse. - Dependent descendants : • Minor children • children carrying out their studies until age 27. • the girl with no source of income and who is not under the responsibility of her husband, • children with a physical or mental disability rendering them unable to perform an activity and who have no source of income.

  45. Contributions Contributions are made by: - The affixing of the a lawyer stamp on judicial acts, the amount ranges from 6D to 18D to fund pensions. -The payment of the annual fee (practicing lawyer or retired) to health coverage:   300 dinars for the lawyer to the Court of Cassation.   250 dinars for the lawyer to the Court of Appeal.   100 dinars for trainee lawyer

  46. Retirement pensions The amount of the pension is lump-sum(1600D gross per month) awarded for 30 years of membership and. A minimum of 20 years of practice is required. The amount of the pension is calculated in proportion to the duration of exercise that is between 20 and 30 years.

  47. The National Health Insurance Fund(NHIF)

  48. Administrative Organization The NHIF is established under Law No. 2004-71 of the 2nd of August 2004. It is administered by a Board of Directors composed of a CEO and 11 directors .

  49. Mission The NHIF is responsible for managing: - The health insurance scheme. - Repair schemes for repairing damage resulting from industrial accidents and occupational diseases. - Cash benefits (sickness and maternity)

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