Pension:
If an employee meets the conditions for an old-age pension (retirement age must be met – 65 for men and 60 for women and must have been covered for at least 180 months), they are entitled to 40% of their insured average monthly earnings in the last 60 months plus 2% of average monthly earnings for every 12 months of coverage exceeding 180 months.
An employee ineligible for an old-age pension may still qualify for an old-age settlement. For those who are eligible for an old-age settlement, a lump sum of twice the insured's last monthly covered earnings is paid for every 12 months of coverage.
Employer contributions to overall social security are as follows:
The insured person pays 5% of monthly earnings or 10% of average annual declared earnings for the voluntarily insured. The employer pays 5% of monthly payroll.
A self-employed person is to pay 10% of the average annual declared earnings for the voluntarily insured. The government pays subsidies as needed and covers the pensions of public sector employees.
Dependent/Survivors Benefits:
In the Democratic Republic of the Congo, survivors pension is administered by the National Social Security Fund and is paid to the dependents of the deceased employee if they were insured and benefiting from a retirement or disability pension or was entitled to receive a retirement or disability pension at the time of death.
A qualifying widow(er) will receive 50% of the old-age or disability pension the deceased received or was entitled to receive.
A qualifying orphan will receive 50% of the old-age or disability pension the deceased received or was entitled to receive. This amount will be split among all eligible orphans.
In the absence of an eligible widow(er) or orphan, 100% of the old-age or disability pension the deceased received or was entitled to receive is split among dependent parents or grandparents.
Invalidity Benefits:
Insured employees who become disabled due to a non-occupational disease before reaching age 60 are entitled to a disability pension (pension d’invalidité) if they meet the necessary qualifications.
The monthly disability pension is calculated in the same way as the old-age pension. It is equal to 40% of the insured’s average monthly earnings in the last 60 months, plus 2% of average monthly earnings for every 12 months of coverage exceeding 180 months. The constant- attendance allowance is a supplement equal to 30% of the pension.
Employers must contribute 1.5% of monthly payroll to workplace injury insurance (up to 3% for high-risk industries and employers found in violation of workplace safety laws). Self-employed persons can voluntarily insure themselves by contributing 1.5% of their average annual declared earnings. Workplace Injury insurance covers industrial accidents at the workplace, commuting accidents between the insured's home and workplace, and certain occupational diseases. The care provided to the victim is fully supported by the CNSS (direct payment of the amount of care costs by the CNSS to medical establishments under contract with the fund).