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Social Security in CARICOM

​The CARICOM Agreement on Social Security was signed in Georgetown,

Guyana on 1 March 1996 and came into effect on 1 April 1997. From this

date persons can thus apply for benefits under the Agreement.

The Agreement is intended to protect CARICOM Nationals’ entitlement to benefits

and provide equality of treatment when moving from one country to another.

The Agreement is seen as key in facilitating the free movement of labour

within the CARIOM Single Market, but it applies to all persons who are moving

to work or have worked in two or more countries that have implemented the

Agreement.

The Agreement is in effect in the following CARICOM Member States:

• Antigua and Barbuda

• The Bahamas

• Barbados

• Belize

• Dominica

• Grenada

• Guyana

• Jamaica

• Montserrat

• St. Kitts and Nevis

• Saint Lucia

• St. Vincent and The Grenadines, and

• Trinidad and Tobago.

The Agreement is not in effect in Suriname and Haiti.

Note: This booklet contains information about the CARICOM Agreement on Social Security.

It provides general guidance only and should not be treated as a complete and authoritative

statement of the law.

How The Agreement Applies

The Agreement allows CARICOM countries to coordinate their social security

programmes and refers to payments of pensions for:

• Invalidity

• Disablement

• Old age or Retirement

• Survivors’ benefits and

• Death benefits.

Under this Reciprocal Agreement, insured persons are entitled to benefits from

one or more of the Social Security Organisations in the various CARICOM Member

States for which they qualify.

When going to another CARICOM Member State to work, persons should inform

the Directors of the Social Security Organisations in their home country

and host country. The date of departure and overseas address should be presented.

This will enable the accurate capturing of contributions and payment

of benefits while residing in the host country. One should also inform that Organisation

of any subsequent change of address. Upon returning to the usual

place of residence, the home Organisation should be notified.

Coverage

Social Security Organisations require all employed persons to register

and pay contributions. Migrant or travelling workers are usually at a

disadvantage when they leave a particular country without making sufficient

contributions to qualify for benefits. The CARICOM Agreement

therefore ensures that the rights and obligations of certain workers are

secured. As such, if you work in transnational enterprises; international

transportation; on a ship; in Diplomatic Missions, Consulates and International

Organisations; are self-employed, travelling from country to

country, the Agreement applies to you.

Workers in Transnational Enterprises

If you are insured and employed in one CARICOM Member State, for example,

Barbados, and your employer sends you to work in another CARICOM Member

State, for example, Saint Lucia for a period not exceeding twenty-four (24)

months, you will remain insured under the law and regulations of Barbados

while you are working in Saint Lucia. If, due to unforeseen circumstances, the

assignment exceeds this time, the laws and regulations of Barbados remain

applicable until the work is completed, subject to the approval of the Saint

Lucia Social Security Organisation.

Workers in International Transportation

If you are insured and employed in international transportation – that is, of

passengers or goods by road, inland waterway or air in two or more CARICOM

Member States – you will be insured in the country where:

• the principal place of business is located;

• a subsidiary, branch or agency of your company is located, if you are employed

  by any of these and the location is different from the country of

  the company’s principal place of business; or

• you are resident and ordinarily employed, even if the company employing

  you does not have its principal place of business, or a branch, subsidiary

  or agency in that country.

Workers on Ships

1. If you are insured and employed by a company that is your regular employer,

   either in one country, for example, Jamaica, or on board a ship flying

   the flag of that country, and you are sent by that company to work on

   board a ship flying the flag of another country, for example, St. Vincent and

   the Grenadines, you will remain insured in Jamaica subject to:

   a) the legislation of the first country (in this case, Jamaica), provided that

      employment does not exceed twenty-four (24) months;

   b) the legislation of the first country, if due to unforeseen circumstances

      the work exceeds twenty-four (24) months. This legislation will apply

      subject to agreement by the two countries concerned (in this case,

      Jamaica and St. Vincent and the Grenadines).

2. If you normally follow your occupation in the territorial waters, in a port in

   one country, e.g., Barbados, or on board a ship flying the flag of another

   country, e.g., Saint Lucia, but you are not a member of the ship’s crew, you

   will remain insured in the country where you normally follow your occupation,

   i.e., Barbados in this example.

3. If you are insured and employed on board a ship flying the flag of one

   country, but you are paid by an organisation or person whose principal

   place of business/residence is located in another, you will be insured under

   the Law of the second country if you reside there. The company or person

   paying the salary/wage is considered the employer for the purpose of the

   application of the legislation.

Workers in Diplomatic Missions, Consulates and International Organisations

The regulation for workers on ships and international transportation also applies

to members of the service staff of diplomatic missions, consulates or international

organisations and persons employed in the private service of

officials of such organisations. However, such workers who are nationals of a

CARICOM Member State, e.g., Trinidad and Tobago, which is a sending state,

may opt to be insured under the Scheme in the country where that person is

a national (the Trinidad and Tobago National Insurance Office in this case).

The Agreement does NOT apply to diplomatic agents, consular officers or to

persons of equal status in international organisations of which a country is a

member.

Self-employed Persons

1. If you are self-employed and you reside in one CARICOM Member State

   (for example, Guyana), and follow your occupation in another CARICOM

   Member State, for example, Grenada, you will remain insured under the

   Law of Guyana if the Law of Grenada is not applicable to you.

2. If you are a self-employed person who lives in one CARICOM Member State

   (for example, Barbados), and you normally follow your occupation in two

   or more CARICOM Member States – say, Barbados, Dominica and Montserrat,

   you will remain insured in the country in which you live – in this case,

   Barbados, if you work partly in that country.

3. In addition, if you do not follow part of your occupation in the country in

   which you reside, e.g., Barbados, or there is no legislation applicable to you,

   you will be insured under the regulations jointly agreed by the Social Security

   institutions of the other CARICOM Member States in which you work,

   e.g., Dominica and Montserrat.

Itinerant Workers (Workers travelling from country to country)

If you are an insured person who lives in one Member State e.g., Belize, and

you are employed other than in international transportation and normally follow

your occupation in two or more CARICOM Member States including Belize,

you will remain insured in the country where you normally reside, i.e., Belize,

in this example.

This rule also applies if you are employed by two or more employers who have

their principal places of business or residence in different countries.

Compulsory and Voluntary Insurance Schemes

If you are insured under the Law of one country, e.g., Barbados, and you are

permitted to voluntarily contribute at the same time to another compulsory

insurance plan, you will be insured under the first country’s scheme only (in

this case Barbados).

If you are permitted to voluntarily contribute to two or more compulsory insurance

schemes, you are entitled to be insured under the scheme in the country

where you reside. If you do not live in one of the CARICOM Member States,

you should be insured under the scheme of the country where you last worked.

Benefits

• Invalidity Pensions

• Disablement Pensions

• Old Age or Retirement Pensions

• Survivors’ Pension

• Death Benefits

How To Become Eligible For A Benefit

As already stated, benefits payable under this Agreement are long term i.e.

pensions. If you have been subject to the legislation of two or more CARICOM

Member States and you satisfy the conditions for a benefit in all of these Member

States, you or your survivors are entitled to a benefit according to the legislation

of the CARICOM Member States concerned.

If you have not paid enough contributions to qualify for a benefit in the CARICOM

Member State in which you reside, the contributions you have paid in

other CARICOM Member States will be taken into account. You may receive

the portion of the benefit to which you are entitled if you have satisfied the

relevant conditions. The portion of the benefit you receive will reflect the level

of your contributions in relation to the total contributions required to qualify

for the benefit.

For example, in Barbados, a person requires at least 500 contributions in order

to qualify for an Old Age Contributory Pension. The minimum pension payable

is $98.00 per week. Suppose you are living in Barbados and you have only

made 300 contributions to the Barbados Pension Scheme. However, you previously

worked in Trinidad and Tobago, where you made 200 contributions.

The portion of the pension to which you are entitled in Barbados will therefore

be calculated based on your contributions to the Barbados scheme:

                     300/500 x $98.00 = $58.80

If the qualifying age for a benefit in one country, e.g., Antigua and Barbuda, is

lower than the qualifying age in another country, e.g., Barbados, the first country

– in this case, Antigua and Barbuda – should pay you or your survivors directly.

On the other hand, if the qualifying age in the first country (Antigua

and Barbuda), is higher than the qualifying age in the second country (Barbados),

you will not be entitled to receive the portion of the benefit payable by

Antigua and Barbuda before attaining the qualifying age stipulated in that

country’s legislation.

Invalidity Pension

The Social Security Organisation under whose legislation you are making your

claim will take into account all of the medical and administrative information

provided by the Social Security Institution of any other CARICOM Member

State in which you would have made contributions.

Each Institution retains the right to have you examined by a doctor of its choice

at its own expense.

If the legislation of the countries in which you are insured allows, invalidity

pension could be converted to old age or retirement pension.

Dependants

If the legislation of one CARICOM Member State, e.g., The Bahamas, specifies

that the amount of a benefit varies according to the number of dependants,

those who are resident in another CARICOM Member State, e.g., St. Kitts and

Nevis, will be taken into account as if they were resident in The Bahamas.

Where required, a certificate issued by the Social Security institution of the

other CARICOM Member State (in this case, St. Kitts and Nevis) should be submitted

regarding dependants who are living there.

The Certificate is valid for twelve months from the date of issue and is renewable.

If you reside in one CARICOM Member State but are entitled to receive a benefit

from another CARICOM Member State, that benefit may be paid directly to you or

it may be paid to you through the National Insurance institution in the country of

abode. However, if the latter arrangement will be put in place, you will be notified.

Claiming Benefits: Submission of Claims

You may submit your claim to the Social Security institution in the country

where you reside.

The claim will then be referred to the relevant institution(s).

Any claim, application, declaration or appeal should be submitted within the

time period specified in the national legislation of the institution to which the

claim is being submitted.

The date on which your claim is received in the country where you reside will

be considered as the date of the claim.

Documents to Accompany Claims

You must submit the following documents, as necessary, with your claims:

• Proof of Age

• Your certified Birth Certificate and Affidavit, if applicant’s name does

   not appear on the Birth Certificate or

• a Valid Passport or

• an Electoral Identification Card, where applicable;

• Change Of Name

• Marriage Certificate

• Deed Poll

• Other

• Letter of Co-habitation

The claims should be submitted on the forms prescribed by the legislation of the

country in which you were, or the deceased person was last insured.

The accuracy of the information given by you should be supported by official

documents, which should be attached to the claim form, or confirmed by the

authorities in the country/countries where you worked and paid contributions.

You should indicate, where possible, the invalidity, retirement, old age or survivors’

benefit institution(s) of each country to whose legislation you or the

deceased person have or had been subject, or the employer(s) by whom you

or the deceased have or had been employed in a CARICOM Member State.

Any certificates of employment in your possession should be submitted.

Examination of Claims

All claims should be examined by the institution to which they have been submitted.

The institutions concerned will then be advised immediately so that

the examination of the claims can be done at the same time to avoid delays.

After each Social Security institution has agreed on the portion of the benefit

which is to be paid, you will be informed of the amount you should receive from

each institution.

You will also be informed of Appeal Procedures.

Provision for Recovery of Excess or Advanced Payments

If the Social Security institution in one country has overpaid you, or has made

an advance payment of benefits, that institution may request any other institution

responsible for paying you corresponding benefits, to deduct the amount overpaid

or advanced from the payments it is making to you.

Currency of Payment

If you are living in one CARICOM Member State (e.g., Guyana) and are entitled

to a benefit from another CARICOM Member State, e.g., Saint Lucia, you will be

paid in the currency of the country in which you reside, i.e., Guyana, but at

the same rate as if you lived in the first country, e.g., Saint Lucia.

Termination of The Agreement

In the event of a withdrawal from, or termination of the CARICOM

Agreement, all rights acquired will be honoured and negotiations

will take place for the settlement of any rights.

General Information

When writing to the Director, National Insurance you should state:

• Your full name

• Your address

• Your telephone number (where applicable)

• Your National Insurance Number/Social Security Number

• Your National Registration Number (in the case of Barbados) or

• Your Electoral Identification Card Number.

Should you require additional information about the CARICOM Social Security

Agreement, address your enquiries to the Social Security institution in your

country of residence or your country of origin.

ANTIGUA AND BARBUDA

The Director

Social Security Scheme

P.O. Box 1125

Long Street

St. John’s

ANTIGUA AND BARBUDA

Tel.: (268) 481-3000

Fax: (268) 481-3090

Email: socsec@socialsecurity.ag

THE BAHAMAS

The Director

The National Insurance Board

P.O. Box N-7508

Nassau

THE BAHAMAS

Tel.: (242) 502-1500

Fax.: (242) 322-2923

Email: info@nib-bahamas.com

BARBADOS

The Director

National Insurance Office

Frank Walcott Building

‘Flodden’

Culloden Road

St. Michael

BARBADOS

Tel.: (246) 431-7400

Fax: (246) 431-7408

Email: info@bginis.gov.bb

BELIZE

The Manager

Belize Social Security Board

P.O. Box 18

Bliss Parade

Belmopan

BELIZE

Tel.: (501) 8-22163/22471

Fax: (501) 8-23331

Email: bssbbze@btl.net

DOMINICA

The Director

Dominica Social Security

P.O. Box 772

Roseau

Commonwealth of Dominica

Tel.: (767) 448-2111

Fax: (767) 448-5704

Email: dss@cwdom.dm

GRENADA

The Director

National Insurance Scheme

P.O. Box 322

Melville Street

St. George’s

GRENADA

Tel.: (473) 440-3309

Fax: (473) 440-6636

Email: cservice@nisgrenada.org

GUYANA

The General Manager

National Insurance Scheme

Brickdam & Winter Place

Georgetown

GUYANA

Tel.: 011 (592) 225-2793/5

Fax: 011 (592) 225-9377

Email: gmnis2010@yahoo.com

JAMAICA

The Director

National Insurance Scheme

Ministry of Labour, Welfare and Sports

14 Heroes Circle

P.O. Box 10

Kingston 4

JAMAICA

Tel.: (876) 922-8000-13

Fax: (876) 924-9639

Email: customerservice@mlss.gov.jm

or nisandyou@yahoo.com

MONTSERRAT

The Director

Social Security Board

P.O. Box 170

Cheapend

St. Peter’s

MONTSERRAT

Tel.: (664) 491-2567/3667

Fax: (664) 491-6145

Email: msocsec@hotmail.com

ST. KITTS AND NEVIS

The Director

Social Security Board

P.O. Box 79

Basseterre

ST. KITTS AND NEVIS

Tel.: (869) 466-6930

Fax: (869) 465-5051

Email: pubinfo@socialsecurity.kn

SAINT LUCIA

The Director

National Insurance Corporation

Francis Compton Building

The Waterfront

Castries

SAINT LUCIA

Tel.: (758) 452-2808

Fax: (758) 451-9882

Email: nis@candw.lc

ST. VINCENT AND THE GRENADINES

Executive Director

National Insurance Services

P.O. Box 305

Administrative Centre

Kingstown

ST. VINCENT AND THE GRENADINES

Tel.: (784) 456-1514

Fax: (784) 456-2604

Email: nis@nissvg.org

TRINIDAD AND TOBAGO

The Executive Director

National Insurance Board

2A Cipriani Boulevard

Port-of-Spain

TRINIDAD AND TOBAGO

Tel.: (868) 663-4647

Fax: (868) 624-0276

Email: info@nibtt.net

If you live in an Associate Member State and require information about the CARICOM

Social Security Agreement send your enquiries to the respective Social Security

institutions :

ANGUILLA

The Director

Social Security Office

James Ronald Webster Building

The Valley

ANGUILLA

Tel.: (264) 497-2201/2

Fax: (264) 497-5649

Email: infoa@ssbai.com

BRITISH VIRGIN ISLANDS

The Director

Social Security Board

P.O.Box 698, Road Town,

Tortola

or

The Valley

Virgin Gorda

BRITISH VIRGIN ISLANDS

Tel.: (284) 494-3418

Fax: (284) 494-6022

Email: info@bussb.vg

TURKS AND CAICOS ISLANDS

The Director

Turks & Caicos Islands National Insurance Board

P.B. Box 250

Misick’s Building

Grand Turk

Turks and Caicos Islands

Tel.: (649) 946-1048

Fax: (649) 946-1362

Email: trevormcooke@tcinib.tc

BERMUDA

The Director

Department of Social Insurance

30 Parlimet Street

Hamilton

Bermuda

Tel.: (441) 295-5151

Fax: (441) 292-5267

Email: socialinsurance@gov.bm

CAYMAN ISLANDS

National Pensions Office

2nd Floor Anderson Square

George Town

Grand Cayman

P.O. Box 2182 GT, Grand Cayman

Tel.: (345) 945-8960

Fax: (345) 945-8961

E-mail: npo@gov.ky

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