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SENEGAL

Presented by:
Aastha Sahi Dhanvir Sharma Harsimran Kaur Harleen Kaur Prabhjot Kaur

Group

7

GLOBAL POSITION

TYPE OF GOVERNMENT SYSTEM

Senegal officially the Republic of Senegal is a country south of the Senegal river in western Africa.

CURRENCY

WESTERN AFRICAN CFA FRANCS

MAJOR DRIVERS OF THE ECONOMY      Agriculture in Senegal Most of Senegal lies within the drought-prone Sahel region. PEANUTS COTTON RICE SUGAR . with irregular rainfall and generally poor soils.

2010) Per capita income GDP per capita (PPP US $) : 1806 (World Bank | WDI.POPULATION  .Total population : 12.:69. 2009) BPL 54% of the population fall below poverty line In no.9 million (UN Population Division | World Population Prospects.000 .66.

CONTEXT OF THE RESARCH .

i. Law n° 97.028 US $ per annum.05 of 10 March 1997 modifying the Social Security Code). (Ref.71 US $ per month.e. a ceiling will be fixed by a joint decision to be taken by the Ministers in charge of Social Security and of Finance. However. 85.WELFARE FUND OF SENEGAL      a) Base The Board of Directors of the Social Security Fund (CSS) determines the base for the calculation of contributions. N. : It should be recalled that the salary limit is 1. .B .

B. : The scale for the calculation of contributions should be fixed by a joint decision by the Ministers in charge' of Social Security and of finance .Cont…     b) Rate The revised article 142 of Law 97-05 dated 10 March 1995 modifying the Social Security Code stipulates that: "The rates of contributions for the family benefits branch and that of industrial accidents and occupational diseases managed by the Social Security Fund are determined by the Board of Directors within the limits of the maximum rate fixed by a joint decision of by the Ministers in charge of Social Security and of Finance N.

028 US$. . Contributions for victims of industrial accidents Employer's contribution rate: 1.3 to 5 % (depending ion the nature of the activity and the risks of industrial accidents and occupational diseases Annual limit for salaries subjected to contributions: 1.SCALE OF APPLICABLE RATES       Contributions to Family Benefits and Social Security Funds Employer's contribution rate: 7 % Annual limit of salaries subjected to contributions: 1.028 US $.

4 % .285.Annual limit for salaries subjected to contributions: 3. Pensions Institute of Senegal (lPRES) a) General scheme .Employee's rate: 2.50 US $ b) Private pension scheme for management .Annual limit for salaries subjected to contributions: 10.Employer's rate 3.Cont…          Contributions to pension scheme.428.Employee's rate: 5.6 % .Employer's rate: 8.50 US $ .6 % .4 % .

Dakar.34 years for men. at 0. Also.HEALTH INSURANCE SCHEMES OF SENEGAL  The health budget in Senegal has tripled between 1980 and 2000.the life expectancy at birth is approximately 55. However. . and 80% of pharmacists and dentists. leading to the Senegalese people leading healthier and longer lives .69 years for the entire population. with 70% of doctors. and 56.09 years for women. the prevalence rate of AIDS in Senegal is one of the lowest in Africa.9%. large disparities still exist in Senegal's health coverage. 58. living in the nation's capital city.

Today there are 16 mutual health insurance schemes operating in the area of Thiès. He has a membership card on which he can put all or selected members of his family (beneficiaries).they only cover hospitalization The mutual’s have a contract with the hospital St. The membership fee is per person insured. Jean de Dieu. . The main features of the schemes are:      The schemes are community based 90 % of the schemes operate in rural areas With the exception of one mutual – Ngaye Ngaye . who participates in the decisions. where they get a reduction of up to 50 % for treatment In general the household is a member of a mutual.

up to three children. Early pension: Age 53. Child’s supplement: Additional points are credited for each dependent child younger than age 21. . Employment must cease. according to a point system.SOCIAL ASSISTANCE SCHEMES    Old-age pension: Age 55 to 60 (age 55 for arduous work) depending on the type of employment at retirement.

Survivor pension: The insured was a pensioner or met the qualifying conditions for a pension at the time of death. and orphans younger than age 21 if their guardians are not eligible for a pension. a widower aged 55 or older (any age if disabled). Eligible survivors are a widow aged 50 or older (aged 45 or older for a reduced pension) or caring for two dependent children younger than age 21. . The widow(er) must have been married to the deceased for at least two years before the death.Cont…    Disability pension: No statutory benefits are provided.

from the complementary scheme for white collars workers. . The number of points awarded for contributions each year is based on the value of total contributions divided by the reference salary.Old-Age Benefits    Old-age pension: The pension is the insured’s number of points multiplied by the value of a point at the time of retirement. The number of points is the sum of points awarded: for contributions. and for family responsibilities. The reference salary is set annually by the Administrative Council of the Social Insurance Institute for Old-Age Pensions. free points given under some conditions.

and maternity leave. . The value of a point is adjusted annually by the Social Insurance Institute for Old-Age Pensions.Cont…    Free additional points are credited for periods of employment before the current program was implemented if the insured worked for at least 10 years (five years for household workers) before or after the program began and has at least one year of contributions. additional points are also credited for certain periods of incapacity. The minimum number of points required for a pension is 400. work injury.

Early pension: The old-age pension is reduced by 5% for each year the pension is taken before age 55. up to three children. reduced by 1% per quarter for white collar workers. .Cont…   Child’s supplement: The pension is increased by 5% for each eligible child.

The pension paid to a widow aged 45 to 50 is reduced by 5% for each year she is younger than age 50. Survivor Benefits Survivor pension: 50% of the deceased’s oldage pension is paid to a widow(er). Orphan’s pension: 20% of the deceased’s oldage pension is paid to each eligible orphan. If there is more than one widow.     .Permanent Disability Benefits  Disability pension: No statutory benefits are provided. the pension is split equally.

Special system for civil servants and armed forces personnel. Current laws: 1973 (cash maternity benefits). Cash maternity benefits: Employed women and non employed women married to an insured man. 1975 (medical benefits). Type of program: Social insurance system. .Sickness and Maternity         Regulatory Framework First laws: 1952 (cash maternity benefits) and 1975 (medical benefits). Cash maternity and medical benefits. Coverage Cash sickness benefits: No statutory benefits are provided. and 1991 (administration).

Health mutual insurance companies provide medical benefits to informal-sector workers in certain areas. including apprentices.Cont…    Medical benefits: Employed persons. and temporary workers who work at least three months a year for the same enterprise. Exclusions: Self-employed persons. . seasonal workers.

.Source of Funds       Insured person: Up to 3% of gross monthly earnings (rates vary according to the health institute). Cash maternity benefits are financed by the employer’s contributions under Family Allowances. Employer: Up to 3% of gross monthly payroll (rates vary according to the health institute). The insured’s contributions finance medical benefits only. Government: None. Cash maternity benefits are financed by the employer’s contributions under Family Allowances. Self-employed person: Not applicable. The employer’s contributions finance medical benefits only.

pharmaceuticals. There is no limit to duration.Workers’ Medical Benefits    Benefits include partial cost sharing for health care costs. Cost sharing: From 30% to 80% of the costs. according to the availability of funds. . The Social Insurance Institute for Old-Age Pensions also provides medical benefits directly to old-age pensioners and survivor pensioners. and doctor’s visits. including hospitalization.

age 21 if a student or disabled).Dependents’ Medical Benefits  Medical benefits for dependents are the same as those for the insured. . Eligible dependents are the spouse and dependent children older than age 2 and younger than age 15 (age 18 if an apprentice.

apprentices. temporary. certain company managers. non salaried managers of cooperatives and their assistants. . and prisoners working in prison workshops. and daily workers. members of cooperatives.WORK INJURY    Coverage Employed persons. Voluntary coverage for certain categories of self-employed persons without mandatory coverage. trainees. including farmers. casual. including seamen. technical students (except those attending technical universities).

The maximum annual earnings used to calculate voluntary contributions are 756.5%. 3%. contributes as an employer on behalf of government employees who are not civil servants.Cont…      Self-employed person: Voluntary contributions of 1%. The minimum annual earnings used to calculate voluntary contributions are 439.000 CFA francs. The average contribution rate is 2.916 CFA francs. Employer: 1%. or 5% of covered payroll. . 3%. Government: None. or 5% of covered payroll. according to the assessed degree of risk. according to the assessed degree of risk.

Cont…    Work injury benefits: There is no minimum qualifying period. 66. .7% until full recovery or certification of permanent disability. thereafter. Accidents that occur while commuting to and from work are covered Temporary Disability Benefits 50% of the insured’s daily earnings in the 30 days before the disability began is paid for the first 28 days.

5 times for the portion above 50%.5 times the percentage of the assessed degree of disability for the portion of disability between 1% and 50% and by 1. Constant-attendance supplement: If the insured requires the constant attendance of others to perform daily functions. Partial disability: The pension is the insured’s monthly average earnings in the 12 months before the disability began multiplied by 0. 40% of the insured’s pension is paid. .Permanent Disability Benefits    Permanent disability pension: 100% of the insured’s monthly average earnings in the 12 months before the disability began is paid for a total disability.

the pension is split equally. . There is no limit to duration. hospitalization. and transportation. rehabilitation. Remarriage allowance: A lump sum of three times the annual pension is paid.Workers’ Medical Benefits      Benefits include medical and surgical expenses. appliances. medicine. The pension is paid quarterly. Survivor Benefits Survivor pension: 30% of the deceased’s monthly average earnings in the last 12 months is paid to the widow(er). The widow(er)’s pension ceases on remarriage if there are no dependent children. If there is more than one widow.

Eligible orphans are younger than age 15 (age 18 if an apprentice. age 21 if a student or disabled). up to 30%. 30% for two orphans.Cont…    Orphan’s pension: 15% of the deceased’s monthly average earnings in the 12 months before the disability began is paid for one orphan. and 10% for each additional orphan. 40% for three orphans. . Dependent parent’s and grandparent’s pension: 10% of the deceased’s monthly average earnings in the last 12 months is paid to each dependent parent and grandparent.

570 CFA francs.) . The minimum annual earnings used to calculate benefits are 897.570 CFA francs. (The last adjustment was made in January 2005. The minimum annual earnings used to calculate benefits are 897. Benefit adjustment: Benefits are adjusted for changes in the cost of living and wages. Funeral grant: 1/24 of the minimum annual earnings used to calculate benefits is paid.Cont…      All survivor benefits combined must not exceed 85% of the deceased’s monthly average earnings in the last 12 months. depending on the financial resources of the system.

including the widow of an insured man and pensioners receiving the work injury total disability pension. . including seamen. Unemployed persons are covered for up to six months after leaving insured employment. Type of program: Employment-related system.Family Allowances       Regulatory Framework First law: 1955. Current laws: 1973 (social security) and 1991 (administration). Coverage Employees. and social insurance beneficiaries.

. The employer’s contributions also finance cash maternity benefits under Sickness and Maternity. The legal monthly minimum wage is 36. employers with one to nine employees pay quarterly. Government: None. The maximum monthly earnings used to calculate contributions are 63. Self-employed person: Not applicable.Cont…           Source of Funds Insured person: None. Employer: 7% of covered payroll.243 CFA francs.000 CFA francs. Employers with 10 or more employees pay contributions monthly. The minimum earnings used to calculate benefits are the legal monthly minimum wage.

Prenatal allowance: Paid to an insured woman or to the spouse of an insured man during the nine months of pregnancy. Allowances are paid for up to six children. Maternity allowance: Paid to an insured woman or to the spouse of an insured man until the child is age 2. . The parent must have at least three consecutive months of employment and be currently working at least 18 days or 120 hours a month. The mother and child must undergo prescribed medical examinations.Cont…     Qualifying Conditions Family allowances: The child must be older than age 2 and younger than age 14 (age 18 if an apprentice. The mother must undergo prescribed medical examinations. without limit on the number of children. age 21 if a student or disabled).

The allowance is paid in three installments.400 CFA francs a month is paid from the date of childbirth up to the child’s second birthday. Maternity allowance: 2.400 CFA francs a month is paid for the nine months of pregnancy. . Prenatal allowance: 2. The allowance is paid quarterly.Family Allowance Benefits    Family allowances: 2. The allowance is paid in five installments.500 CFA francs a month is paid for each of the first six children.

In total.SELF FUNDED AND GOVERNMENT AIDED INSURANCE SCHEME  In Senegal. The regional level is attached to the administrative division of a region and the central level is attached directly to the Ministry of Health (PNDS. the second the region and the third the central level. 50 health districts are existing that are run by a chief health doctor.  . 1999). and access problems in terms of financing and geographic outreach are reported. The health district has a health care centre as well as health posts. large proportions of people are not covered by formal health insurance. as in most African countries. The Senegalese health care system has three different levels: the first level is the health district.

The role of the main actors The institutions  The partners  The craftspeople  .

LIMITATIONS & SUGGESTIONS .

or on transfers from their families and local networks to be able to pay the fees of a treatment. The government does not contribute to the medical benefits. .LIMITATIONS       The Senegalese government does not give any pension to the disabled employees. when facing an illness. the poor’s have to rely on riskcoping strategies such as the selling of assets. There are no cash sickness benefits. access to health care is constrained by the limited number of health facilities accessible to the population and by financial constraints. only 14% of the working population enjoyed social protection.

More and more health care facilities should be provided in the rural areas.SUGGESTIONS   It is thus advisable to design a suitable voluntary scheme which would enable as many workers as possible to be integrated into a system of social insurance contributions and benefits. .

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