By Mrs Arame NDOYE and Mr. Ndiaga NDIAYE From Senegal

I- Coverage for the Private-sector and government employees who are not civil servants A: The Social Security Fund (CSS) B: the Social Insurance Institute for Old-Age Pensions (IPRES) C: Health mutual insurance companies (IPM) II- The special system for civil servants

 Since independence day, Senegal expressed his willingness to build an effective social security by ratifying in 1962 ILO’s 102 on the minimum social security standards that establishes nine branches of social security with at least three qualifying branches out of the nine compulsory. In that respect, Sénégal started building a social security system in1975 for the Private-sector, merchant navy employees and government employees who are not civil servants. That system covers eight branches out of the 9 specified by the Convention- medical care, sickness benefit, old-age benefit, employment injury (workmen’s compensation) benefit, family allowances, maternity benefit, invalidity benefit, and survivors benefit.

 So today, the Senegalese social security system covers both civil servants and workers under the Labour Code provisions.  It’s good to mention that in Senegal two different bodies manage the social security system. So the aim of the following lines is to elaborate on this two different

I- Social security of workers under the jurisdiction of the Labour Code

Ilo’s 102 Convention which was ratified by Senegal in 1962 establishes nine branches of social security minimum standards which are to be covered by member countries according to their economic means. However, the Convention made it clear that the coverage of at least three branches is compulsory. Taking into account those prescriptions, Senegal gradually set a social security system characterized by a plurality of governing bodies for the management of the 8 branches.

Ta take care of the workers in the formal sector and non civil servants in the public administration, we have in Senegal three institutions: The Social Security Fund (CSS) : it takes care of the prevention of accidents at work and employment injury benefits, workplace diseases and family allowances. The Social Insurance Institute for Old-Age Pensions (IPRES) : It takes care of old-age benefit, invalidity benefit and survivors benefit. Health mutual insurance companies (IPM) : They take care of a fixed amount of the medical fees for non professional diseases ffor the worker and his family.

 As stated above, it takes care of employment injury benefits, workplace iseases and family allowances

 The cash maternity benefit  Prenatal allowances is a means to encourage safe childbirth and fight against miscarriages and promote maternal and child health.  Daily maternity benefits compensate for the lack of revenue during the female worker’s maternity

 Cash maternity benefits  They enable the mother to keep her baby healthy for the two-year period following it’s birth. All non career women maried to a salaried employee.  The family allowances are granted to the worker for each of his dependent children older than two for adequate upbringing. The allowance is the most important as far as it’s amount is concerned.

 Accident at work is discrete occurrence in the course of work" leading to physical or mental occupational injury or accident that occurs on the way or back to work.  The Social Security Fund provides for prevention services and gives employment injury benefits.  The victim of an at accident at work have a cash benefit to compensate for his lost wages because of his disability.

 It pays to the workers under the Labour Code provisions an old age pension  The retirement age is 60 in Senegal  The pension is calculated based on a point system. The pension is equal to the insured's number of points multiplied by the value of a point at the time of retirement  The rate for an Insured person is 5.6% of covered monthly earnings; 8,4% for managers This amounts to 14% for the common system. The maximum monthly earnings for contribution calculation purposes are for employees.

 There is an additional old-age pension system for junior, middle or senior managers whose rate is 6%, 3,6% for the employer and 2,4% for the employee. The maximum monthly earnings for contribution calculation purposes are f CFA.  The Social Insurance Institute for Old- Age Pensions (IPRES) also provides for medical care for retired members.

 Health mutual insurance companies provide medical benefits to workers and their families for non occupational diseases.  It’s compulsory for firms to set health mutual insurance companies or have their employees become affiliated to joint health mutual insurance companies.

As for the civil servants, they have a sickness and retirement insurance The sickness insurance consists of a state contribution of 80 % of medical services for the civil servant or his dependent children with the exception of prescriptions. The remaining 20% is paid by the civil servant. However, public health mutual institutions that take care of a fixed amount of the prescriptions’ fees for the members are being set up.  Old –age pensions: A special public institution called National Old-age Pension Fund takes care of retired civil servants. It’s a special account in the public revenue department set up by Act n°81-52 of july 10th It’s worth mentioning that veterans from the military are also served.

 Under some conditions, the National Old- age Pension Fund some pays retirement benefits for all retired civil servants aged 60 and survival as well as disability benefits for retired servicemen.  It is funded by active civil servants mandatory contributions. The global rate of contribution is 35% since 1996 which is divided beteween the State (23%) and the civil servant (12%) this distribution is under way since 2002.

The complementary system is managed  The mutual benefit insurance companies For self-employed persons within the informal sector, poor people and all workers who want complementary insurance in the framework of a professional association or  The privates health insurance: which covers all the branches for people who can afford it.

Thank you for you attention