Benefits
The National Insurance Scheme pays benefits in three (3) categories: Short-Term, Long-Term and Employment Injury. The Short-Term benefits are: Sickness, Maternity, Unemployment and Funeral. The Long-Term benefits are: Age, Invalidity and Survivors. The Employment Injury benefits are: Injury Benefit, Medical Expenses, Disablement Benefit, Constant Attendance Benefit and Death Benefit.
NIS Benefits at a Glance
Maternity Benefit
This benefit is payable to insured women before or after childbirth, or to insured husbands in specific circumstances.
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Employment Injury Benefit
Paid to insured persons, including the self-employed, who suffer injury, illness, or death due to job-related incidents.
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Funeral Grant
A one-time payment to help cover the funeral expenses of an insured person, spouse, or child.
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Age Benefit
A pension or lump-sum payment to insured individuals who have reached retirement age and meet contribution requirements.
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Invalidity Benefit
This benefit is provided to insured persons who are permanently unable to work due to illness or injury and meet qualifying conditions.
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Survivors Benefit
Paid to the widow, widower, dependent children, or dependent parent of a deceased insured person.
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Unemployment Benefit
Available to insured individuals who are temporarily unemployed, offering financial assistance while they seek new employment.
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Sickness Benefit
Designed to supplement lost wages for insured persons who are temporarily unable to work due to illness.
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Reciprocal Agreement
Ensures that contributions and benefits are recognized across participating CARICOM countries, allowing mobile workers to maintain coverage.
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