Pension
In Tunisia, to qualify for an old-age pension, an employee must have reached 60 years of age with at least 120 months of contributions. A person is entitled to an early pension at 55 years of age with at least 360 months of contributions.
The old-age pension amount is equal to 40% of the insured's average earnings in the ten years before retirement plus 0.5% of average earnings for each three-month period of contributions exceeding 120 months. The amount for early pension is reduced by 0.5% for each quarter (2% for each year) when a person retires before reaching 60 years of age.
Both employees and employers pay social security contributions.
Dependents/Survivors Benefits
In Tunisia, the law provides survivors benefits to eligible survivors, including the deceased's widow(er) and children under the age of 16 (age 21 if a student, no limit if disabled or an unmarried daughter without income). The benefit is provided to the dependents only if the deceased was an insured pensioner at the time of death or had at least 60 months of contributions.
The amount of benefits depends on the number of survivors as a percentage of the old-age or invalidity pension the deceased received or was entitled to receive.
In case of death due to a work accident or occupational disease, survivors of the deceased employee are eligible to receive benefits that the employer covers.
Invalidity Benefits
In Tunisia, insured employees who have been assessed with at least a 66.7% permanent loss of earning capacity and who have made at least 60 months of contributions are entitled to invalidity benefits as long as their employment had ceased due to the invalidity. The degree of disability is assessed annually by a medical commission until the insured reaches 55 years of age.
Invalidity pension is 50% of the insured's average earnings in the last ten years before the disability began, plus 0.5% of average earnings for every three months of contributions exceeding 180 months.
In the case of disability caused by a work accident or disease, employees are eligible to receive benefits from employers based on the degree of their disability.