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

01

Maternity Benefit

This benefit is payable to insured women before or after childbirth, or to insured husbands in specific circumstances.

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02

Employement 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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03

Funeral Grant

A one-time payment to help cover the funeral expenses of an insured person, spouse, or child.
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04

Age Benefit

A pension or lump-sum payment to insured individuals who have reached retirement age and meet contribution requirements.

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05

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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06

Survivors Benefit

Paid to the widow, widower, dependent children, or dependent parent of a deceased insured person.

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07

Unemployment Benefit

Available to insured individuals who are temporarily unemployed, offering financial assistance while they seek new employment.

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07

Sickness Benefit

Designed to supplement lost wages for insured persons who are temporarily unable to work due to illness.

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07

Reciprocal Agreement

Ensures that contributions and benefits are recognized across participating CARICOM countries, allowing mobile workers to maintain coverage.

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