The branch of pensions aims at:

• Helping the worker who becomes old and incapable of working for a salary or becomes invalid and incapable of earning his life by working
• Helping the survivors of the deceased worker.

The Social Security benefits offered by the branch of pensions are therefore divided into two categories:

• Those given to the insured person himself when old or invalid
• Those given to his eligible survivors.

WHEN DO YOU QUALIFY FOR THEM?

1. Old Age Pension
You are entitled to normal old Age pension when: You have attained at least 55 years of age or the pension age fixed by particular statutory arrangements You have been insured with the S.S.F.R for at least 15 years You have no salaried activities. Therefore the rate of your pension will for example be : 30% for 15 years of insurance 32% for 16 years of insurance 34% for 17 years of insurance 36% for 18 years of insurance 38% for 19 years of insurance 40% for 20 years of insurance 50% for 25 years of insurance 60% for 30 years of insurance etc

2. The anticipated pension (Early retirement pension).
When you get worn-out physically or mentally prematurely (before retirement age) and you are unable to work for a salary
3. Invalidity pension
You may become an invalid following an accident or disease having no origin from occupational work-related circumstances. It is not enough to be invalid in order to qualify for invalidity pension. You must also fulfil the following conditions: Having been a registered contributing member with the S.S.F.R at least for 5 years Having completed at least six months of insurance with the S.S.F.R during the last 12 months preceding the beginning of the invalidity.
4. Old age lump-sum allocation

• You may attain the age of 55 years and cease all salaried activities without fulfilling the other required conditions for the normal old age pension
• You will have right to an old age Lump-Sum allocation which you will receive once, and only once, as long as you have at least 12 months of insurance with the S.S.F.R.

WHEN ARE THEY ENTITLED TO THIS?
Your eligible survivors will receive survivor’s pension: When you die as pensioner of old age or invalidity or early retirement When, at the time of death, you fulfil the required conditions for old age pension or invalidity pension. When, at the time of death, you justify at least 180 months or 15 years of insurance with the S.S.F.R

Who are your eligible survivors?

The widow or the widower who are not divorced and were legally married at least for six months before the beneficiary of old age pension The children who are not married and are not working for a salary, and are either the deceased’s legitimate children or those legally adopted or those born outside legal marriage but are recognised as his or hers by law and are less than 18 years old, or less than 25 years old if still at school, or without age limit if they are disabled and cannot work for a salary The deceased’s own or adoptive parents if he or she left no wife or husband or children

How is survivors’ pension calculated? Survivors pensions are calculated in percentages based on the pension which the deceased was receiving or was eligible to receive at the time of his death. The percentages are:

50% for the widow or widower 25% for each orphan of father or mother 40% for each orphan of father and mother 25% for each direct or adoptive parent, when the deceased leaves no wife or husband or children. The survivors Lump Sum benefits If death strikes when you do not fulfil the conditions to qualify for monthly pension and you do not have 180 months of insurance with the S.S.F.R, your survivors will once and only once receive a Lump Sum of benefits. How are the survivors’ Lump Sum calculated? The widow (or widower) will receive a lump sum equal to the pension to which you were entitled if you had completed 180 months of insurance multiplied by the number of 6 months periods of your insurance with the S.S.F.R HOW DOES ONE APPLY FOR PENSION? The application for pension is made principally in quadruplicate forms obtained from the S.S.F.R District Branches.

WHAT ARE THE DOCUMENTS YOU MUST ATTACH TO YOUR APPLICATION?

When applying for old age pension or pension lump sum. Birth certificate issued by the Registry Office Attestation that you are still living Retirement certificate When applying for early retirement pension Birth certificate issued by the Registry Office Attestation(s) of your working Capacity issued by your employer(s) Medical certificate of professional inaptitude issued by a legal medical commission Attestation that you are still living When applying for invalidity pension Birth certificate issued by the Registry Office Medical certificate of professional inaptitude issued by a doctor approved by the government Attestation that you are still living. When applying for survivors pension or lump sum benefits Birth certificate of the insured person, if this person was not already receiving old age pension Death certificate issued by an Officer of the Registry Office or by the approved doctor who confirmed the death Marriage certificate Birth certificates for the deceased’s surviving children Certificate of guardianship issued by competent Tribunal in case of the absence or death of both the parents of the surviving children Certificate of legal recognition of natural children Attestation of school attendance issued by the Heads of schools for the children who are still at school from age of 18 to 25 years Certificate of invalidity issued by medical authority for children who are invalid Certificate of bachelorhood or spinsterhood for the insured person who died single or unmarried Attestation that you are still living