Pension
The retirement age in Chad is 60 years. Insured individuals are eligible for a retirement pension if they fulfill the following conditions:
- They have reached 60 years of age.
- They have been registered with the CNPS (the National Social Welfare Fund) for at least 15 years.
- They have contributed for at least 60 months in the last 10 years.
- They have permanently ceased all salaried activities.
The old-age pension is 30% of the average monthly wages of the employee. The average monthly payment is calculated over the last 3 or 5 years, whichever is greater. The pension is increased by 1.2% for every year of coverage exceeding 180 months the insured has paid.
Dependents/Survivors Benefits
Chadian law states that survivors of a deceased employee, who was eligible for a pension, are entitled to a pension after the eligible individual's death. The survivors are eligible to receive retirement, early retirement, or disability pensions as a percentage of the employee's pension as follows:
- 50% for a widow or invalid widower, (in case of several widows, the amount is divided between them equally)
- 25% for each child whose mother or father have died
- 40% for each full orphan
If an insured employee dies due to a work accident, their survivors become entitled to the pension the deceased was entitled to in case of permanent disability.
Invalidity Benefits
In Chad, insured employees who become permanently disabled before the age of 55 years are entitled to a pension if they meet the following conditions:
- They have been registered with the National Social Security Fund for at least five years.
- They have completed six months of insurance in the 12 calendar months preceding the beginning of the incapacity leading to disability.
The pension for permanent disability is calculated in the same way as the old-age pension. The monthly amount of the disability pension is 30% of the average monthly wages of the employee. The average monthly payment is calculated over the last three or five years, whichever is greater. The pension is increased by 1.2% for every year of coverage exceeding 180 months that the insured has paid. The amount cannot be less than 60% of the highest guaranteed minimum wage or more than 80% of the employee's average monthly remuneration.
These conditions are not required when the invalidity is caused by an occupational accident, provided they have lost at least 10% of their ability to work. If the disability is less than 10%, a lump sum compensation is paid. For temporary disability, daily allowance is paid by the employer for the entire duration of the work stoppage.