Compulsory insurance

OLD-AGE, INVALIDITY AND DEATH PENSION

To claim an old-age, invalidity and death pension, the insured who sollicits (or for whom the pension is sollicited) a benefit must have definitely stopped all wage-earning activity.

In the branch of old-age, invalidity and death pension insurance, wage-erning activity is caculated in months of insurance.

Month of insurance

Shall be deemed to be a month of insurance, a month during which the insured occupied an employment liable to a pension scheme or received a salary at least equal to the minimum guaranteed wage (SMIG*) during at least fifteen (15) days or one hundred (100) hours. Shall be deemed as months of insurance :

  • Absences for regular leave ;
  • Absences for industrial accidents and occupational diseases ;
  • Absences for diseases duly established by a practitioner, within the limit of 6 months ;
  • Periods of maternity leave for female wage-earners ;
  • Absences due to cases of « force majeure », established by an attestation of the Labour Inspector of the place of the execution of the contract (techn ical unemployment), within the limit of 6 months ;
  • Periods of the exercice of a political function resulting from an election or nomination, on condition that the contributions thereto be paid to the National Social Insurance Fund ;
  • Periods of probation,on condition that contributions for that period be paid to the National Social Insurance Fund.

The Branch of old-age, invalidity and death pension provides :

  • Old-age pension
  • Early old-age pension
  • Invalidity pension
  • Survivors’ pension
  • Old-age allowance.

 

OLD-AGE PENSION

Old-age pension may be granted to any wage-earning worker who fulfills the following conditions :

Conditions required

  • Be registered at the CNPS and must have stopped all wage-earning activity ;
  • Must have accomplished 180 months of insurance of which 60 during the past 10 years preceding the date of cessation of the wage-earning activity
  • Be at least 60 years old 
  • Must have accomplished 20 years of registration to the pensions scheme.

Compiling of file

 

The wage-earner who fulfills the conditions below should submit a file comprising the following documents to the Social Insurance Centre of the place of his last employment :

  • An application for old-age pension on a printed CNPS form duly filled and co-signed by himself and his employer ;
  • A statement of taxable salaries received from his employers, possibly since the date of his engagement up to the date of cessation of employment ;
  • His insurance booklet or any other document that may serve the purpose ;
  • 10 of his payslips at least two for each of the 5 past years ;
  • A certified true copy of his national identity card ;
  • Possibly, certificates of employment issued by his successive employers ;
  • A certificate of residence, for foreigners whose country did not sign a Convention of reciprocity with Cameroon in matters of Social Security.

 Method of calculation

  • The monthly amount of old-age pension is equal to 30% of the Monthly Average Remuneration of the insured ;
  • If the total months of insurance is higher than 180, 1% is added to each period of insurance of 12 months above 180 months.

An old-age pensioner may claim an increase on his pension if, while accomplishing elementary activity of daily life, he needs a third party. This need shall be endorsed by the CNPS Medical Adviser. The increase for a thrid party shall correspond to 40% of the old-age pension of the insured. The amount of old-age should at least be equal to half the amount of the SMIG and at most equal to 80% of the Monthly Average Remuneration of the worker. The Monthly Average Remuneration is defined as the 36th or the 60th part of the total of ceiling remunerations received during the 3 or 5 past years preceding the date of cessation of activity, the choice being dictated in the interest of the insured.

Method of payment

Old-age pension is paid at the end of each quarter of the calendar year to the pensioner himself, on condition that the latter produces between 1 October and 31 December of each year, a certificate of existence and an attestation of no wage-earning employment. Payment is done by each Social Insurance Centre in cash, by cheque ou by bank transfer. For this last method of payment, the insured shall produce an extract of the bank statement or an attestation of the openeing of a bank account by the time he is applying for pension. The first rights are paid at the Social Insurance Centre of the place of the last employment of the insured. Thereafter, he may ask in writing to transfer his pension to the Social Insurance centre of his choice.

EARLY OLD-AGE PENSION

In early old-age pension, one can distinguish : Early old-age pension for personnal convenience. It can be granted to any insured who voluntarily demands it. Early old-age pension for premature wear and tear. It can be granted to any insured who, not corresponding to the definition of invalidity, has suffered from premature wear and tear of his physical and mental faculties duly established, preventing him from exercising a wage-earning activity.

Conditions required

In order to receive early old-age pension for personal convenience, the applicant should :

  • Be registered at the CNPS and must have stopped all wage-earning activity ;
  • Be at least 50 years old ;
  • Obtain prior agreement from CNPS for admission into early retirement ;
  • Accomplish at least 180 months of insurance, that is, 60 during the last 10 years preceding the date of stoppage of any wage-earning activity ;
  • Accomplish at least 20 years of registration at the CNPS.

To be entitled to early old-age pension for personal convenience, the worker should first send a request for early retirement to his employer. The latter must seize CNPS to obtain prior approval for the possible support of the worker under early retirement. Any early retirement of a worker that does not follow this procedure shall be rejected by CNPS. To be entitled to early old-age pension for premature wear and tear, the appliquant should :

  • Be registered at the CNPS and must have stopped all wage-earning activity ;
  • have suffered premature wear and tear estabished by a practitioner ;
  • Be at least 50 years old ;
  • Obtain a prior approuval from CNPS for his admission to early retirement for premature wear and tear ;
  • Accomplish at least 180 months of insurance, that is, 60 during the last 10 years preceding the date of stoppage of any wage-earningactivity ;
  • Accomplish at least 20 years of registration at the CNPS.

Compiling of file

The insured who fulfills the required conditions to be granted early old-age pension, should submit a file comprising the following documents to the Social Insurance Centre of the place of his last employment :

  • An application for early old-age pension on a printed CNPS form duly filled and co-signed by the insured himslef and his employer ;
  • A statement of taxable salaries received from his successive employers, eventually since his date of engagement up to th date of stoppage of employment ;
  • His insurance booklet or any other document tah may serve the purpose ;
  • 10 of his payslips at least, two for each of the 5 past years ;
  • A certified true copy of his national identity card ;
  • Possibly, certificates of employment issued by his successive employers ;
  • A certificate of residence, for foreigners whose country did not sign a Convention of reciprocity with Cameroon in matters of Social Security.

Early old-age pension for personal convenience,

  • A copy of his application letter to be placed under early retirement sent to his employer, for an insured still working.

To grant early old-age pension for premature wear and tear,

  • A medical certificate establishing premature wear and tear.

Method of calculation

  • The monthly amount of early old-age pension is equal to 30% of the Monthly Average remuneration of the insured who has accomplished 180 months of insurance ;
  • If the total months of insurance is higher than 180, 1% is added to each period of insurance of 12 months above 180 months.

The amount of early old-age pension should be at least equal to half of SMIG* and at most equal to 80% of the monthly average remuneration of the worker. The holder of early old-age pension may claim an increase of his pension if, while accomplishing elementary activity of daily life, he needs a third party. This need shall be endorsed by the CNPS Medical Advise, the increase corresponds to 40% of the old-age pension of the insured.

Method of payment

Early old-age pension is paid at the end of each quarter of the calendar year to the pensioner himself, on condition that the latter produces between 1 October and 31 December of each year, a certificate of existence and an attestation of no wage-earning employment. Payment is done by each Social Insurance Centre in cash, by cheque ou by bank transfer. For this last method of payment, the insured shall produce an extract of the bank statement or an attestation of the openeing of a bank account by the time he is applying for pension. The first rights rae paid at the Social Insurance Centre of the place of the last employment of the insured. Thereafter, he may ask in writing to transfer his pension to the Social Insurance Centre of his choice.

PENSION OF INVALIDITY

May be entitled to pension of invalidity an insured who suffered from a permanent diminution of his physical or mental capacities, as a result of illness or accident of a non occupational origin, duly established by the attending practitioner and approuved by the Medical Adviser of CNPS, making him incapable to earn more than one third of the remuneration that a worker with the same qualification would earn for his work.

Conditions required

  • Be registered at the CNPS and must have stopped all wage-earning activity ;
  • Must suffer from an invalidity duly established by an attending practitioner and approuved by the Medical Adviser of CNPS;
  • Be less than 60 years old ;
  • Accomplish at least 5 years of registration at CNPS, that is, 60 during the last 10 years preceding the date of stoppage of any wage-earning activity ;
  • Accomplish at least 6 months of insurance during the 12 months preceding the beginning of the incapacity resulting in invalidity.

NB : The last two conditions below are not required from the insured when the invalidity results from an accident. It suffices to prove that he was occupying a wage-earning employment and was registered at CNPS on the date of the accident.

-      The increase for a third party granted to the invalid;

-    The holder of a pension of invalidity can benefit from an increase to a third party if, in performing the basic activities of daily life, he needs the help of a third person. This need for help is endorsed by the Medical Adviser of CNPS;

-       Documents of travel expenses of the invalid;

-   Transport fares are reimbursed to any holder of a pension of invalidity, summoned or convened by CNPS for medical checks. If the health of the attendant also requires assistance, his transport fares are also reimbursed.

Compiling of file

An insured invalid who fulfills the conditions above should susbmit a file comprising the following documents, to the Social Insurance Centre of the place of his last employment :

  • An application for invalidity pension on a printed CNPS form duly filled and co-signed by the insured himself and his employer ;
  • A medical certificate specifying his rate of invalidity ;
  • A statement of taxable salaries from his successive employers, eventually since his date of enagement up to the date of stoppage of employment ;
  • His insurance booklet or any other document that may serve the purpose ;
  • His payslips, two for each of the past 5 years, if need be ;
  • A certified true copy of his national identity card ;
  • Possibly, certificates of employment issued by his successive employers ;
  • A certificate of residence, for foreigners whose country did not sign a Convention of reciprocity with Cameroon in matters of Social Security.

NB: The medical report establishing the invalidity, must be issued before admission into invalidity to enable CNPS get the insured to undergo cross-medical examination and examine his application for pension. If the holder of invalidity pension solicits an increase for a third party, he should, in addition, produce the following documents to the Social Insurance Centre of his last place of employement :

  • An application for increase to third party on plain paper ;
  • The decision granting invalidity pension ;
  • A medical certificate or any other documents that may serve the purpose, approuved by the Medical Adviser of CNPS and specifying that he needs assistance of a third party in performing the basic activities of daily life.

If the holder of a pension of invalidity solicits reimbursement of transport expenses, he should produce the following documents :

  • An application for reimbursement on plain paper ;
  • Invoices or other supporting documents for the transport costs he bore ;
  • The summons of CNPS ;
  • If need be, the medical certificate prescribing assistance of somebody accompagning him.

Method of calculation

  • The monthly amount of early old-age pension is equal to 30% of the Monthly Average remuneration of the insured who has accomplished 180 months of insurance ;
  • If the total months of insurance is higher than 180, 1% is added to each period of insurance of 12 months above 180 months.

The amount of early old-age pension should be at least equal to half of SMIG* and at most equal to 80% of the monthly average remuneration of the worker. To determine the number of months of insurance, the years between the age of 60 and the effective age of invalidity to the effective date of the pension of invalidity, are considered as periods of insurance at six months per year. The mothly amount of increase for the third party shall be equal to 40% if the monthly amount of the pension of invalidity.

Method of payment

Pension of invalidity, eventually increased for a third party, is paid at the end of each quarter of the calendar year to the pensioner himself, on condition that the latter produces between 1 October and 31 December of each year, a certificate of existence and an attestation of no wage-earning employment. Payment is done by each Social Insurance Centre in cash, by cheque ou by bank transfer. For this last method of payment, the insured shall produce an extract of the bank statement or an attestation of the opening of a bank account by the time he is applying for pension. It shall be same for reimbursement of transport expenses which is done at the Social Insurance Centre where the application was submitted. Pension of invalidity is paid on a temporal basis. Thereafter, it is transformed into old-age pension with the same amount when the invalid reaches the age of 60 years. It can also be suppressed if the cross mdical examination of the Medical Adviser of CNPS reveals that the rate of invalidity is lower than 66.66%. The first rights are paid at the Social Insurance Centre of the place of the last employment of the insured. Thereafter, he may ask in writing to transfer his pension to the Social Insurance Centre of his choice.

SURVIVORS PENSION

The rightful claimants of a deased isured may claim survivors pension. It shall be the same for rightful claimants of a deceased pensioner. The pension is paid in replacement of old-age or invalidity pension attributed to a deceased pensioner or that which the insured would have claimed by the time of his death.

Conditions required

To receive survivors’ pension, you must be the rightful claimant :

  • Either of an insured who had accomplished at least 180 months of insurance by the time of his death ; or
  • A deceased pensioner.

Compiling of file

The rightful claimants who fulfill the conditions below should submit a file comprising the following documents, for all categories of rightful claimants, at the Social Insurance Centre of the place of the last employment of the deceased insured or where the deceased pensioner belonged :

  • An application for survivors pension on a printed CNPS form ;
  • A statement of taxable wages of the deceased insured from each of his successive employers, possibly since the date of engagement up to the date of his death, or for the deceased pensioner, a copy of the decision attributing the pension ;
  • An insurance booklet of the deceased insured or any other doucment that may serve the purpose ;
  • 10 of his pay slips, 2 for each of of the last 5 years before this death ;
  • Possibly, certificates of employment, for the deceased insured ;
  • A certified true copy of the death certificate of the insured or pensioner ;
  • An administrative document showing the family situation of the deceased insured or deceased pensioner ;
  • Possibly, a certified true copy of the death certificate for each deceased spouse ;
  • If need be, a certified true copy of the death certificate of each deceased rightful claimant after the death of the insured or pensioner ;
  • A residence permit, for foreign rightful claimants whose country has not signed a convention of reciprocity with Cameroon in matters of social security.

 The spouse

  • A certified true copy of the National Identity card ;
  • A certified true copy of the marriage certificate ;
  • A certificate of non-remarriage, for each living spouse ;
  • An administrative document for the custody of children, for each living spouse or designated beneficiary.

 Ascendants

  • A certified true copy of the birth certificate or a certified true copy of the National Identity card, for each dependent ascendant of the 1st degree ;
  • A certificate of existence, for each dependent ascendant of the 1st degree.

 Children

  • A certified true copy of the birth certificate, for each dependent child ;
  • A certificate of existence, for each child below 6 years ;
  • A school attendance certificate, for each child aged 6 to 21 years ;
  • A medical certificate, for the disabled child or the child suffering from an incurable disease, up to 21 years ;
  • An apprenticeship certificate duly endorsed by the Inspector of Labour of the place of apprenticheship, for the child aged from 14 to 18 years placed under apprenticeship.

Besides, the rightful claimants of a deceased pensioner should produce a copy of the decision granting pension to the latter.

Method of calculation

The total amount of pension granted to survivors is that of the pension which the deceased pensioner was receiving, or that which he would have claimed at the date of his death. The sharing of the amount between the survivors is broken down as follows : 

  • 50% for the spouses ;
  • 25% for orphans of father and mother ;
  • 15% for orphans of father or mother ;
  • 10% for the ascendants.

The share of each of the groups above is equitably distributed to members of the said group. Where one of the survivors groups referred to above does not exist at the opening of rights, the total amount of their pension is attributed to the other groups in equal shares. This sharing is final.

Method of payment

Survivors pension is paid at the end of each quarter of the calender year to the rightful claimants, provided they produce, between 1st October and 31 December of each year, the following periodic documents for maintaining of rights : 

For the living spouse :

  • A certificate of non re-marriage, for each living spouse ;
  • An administrative document for the custody of children , for each living spouse or designated beneficiary.

For the children :

  • A certificate of existence, for each child aged belowed 6 years ;
  • A school attendance certificate, for each child aged from 6 to 21 years ;
  • A medical certificate, for the disabled child or the child suffering from an incurable disease, up to 21 years ;
  • An apprenticeship certificate duly endorsed by the Inspector of Labour of the place of apprenticheship, for the child aged from 14 to 18 years placed under apprenticeship.

For ascendants

  • A certificate of existence, for each dependent ascendant of the 1st degree.

Payment is done by each Social Insurance Centre in cash, by cheque ou by bank transfer. For this last method of payment, the insured shall produce an extract of the bank statement or an attestation of the opening of a bank account by the time he is applying for pension. The first rights are paid in the Social Insurance Centre of the place of the last employment of the deceased insured., or where the deceased pensioner was receving his pension.Thereafter, the rightful claimants may ask in writing to transfer his pension to the Social Insurance Centre of his choice.

OLD-AGE ALLOWANCE

Old-age allowance may be granted to any insured aged 60 years at least and who does not fulfill the conditions of a normal pension.

Conditions required

  • Be registered at CNPS and must have stopped all wage-erning activity ;
  • Accomplish between 12 and 179 months of insurance.

Compiling of file

An insured invalid who fulfills the conditions above should submit a file comprising the following documents, to the Social Insurance Centre of the place of his last employment :

  • An application for invalidity pension on a printed CNPS form duly filled and co-signed by the insured himself and his employer ;
  • A statement of taxable wages from his successive employers, eventually since his date of enagement up to the date of stoppage of employment ;
  • His insurance booklet or any other document that may serve the purpose ;
  • His payslips, two for each of the past 5 years, if need be ;
  • A certified true copy of his national identity card ;
  • Possibly, certificates of employment issued by his successive employers ;
  • A certificate of residence, for foreigners whose country did not sign a Convention of reciprocity with Cameroon in matters of Social Security.

Method of calculation  

  • The amount of old-age allowance is equal to 30% of the Monthly Average Remuneration of the worker multiplied by the number of the period of 12 months of insurance accomplished by the insured ;
  • If the insured has accomplished less than 36 months of insurance, the Monthly Average Remuneration retained shall be the arithmetic average of his wages.

Method of payment

Old-age allowance is paid in a lump sum to the insured by the Social Insurance Centre of the place of his last employment :

  • In cash, for amounts less than 100 000 francs ;
  • By cheque, for amounts at least equal to 100 000 francs ;
  • By social insurance money order.

Old-age allowance for premature wear and tear

An old-age allowance for premature wear and tear shall be granted to an insured aged between 50 to 59 years whose physical or mental faculties have been affected by premature wear and tear.

Conditions required

  • Be registered at the CNPS.
  • Have suffered from premature wear and tear duly established by a consulting physician and approuved by the Medical Adviser of CNPS ;
  • Must have accomplished between 12 and 179 months of insurance ;
  • Must have stopped all wage-earning activity.

Compiling of file

An insured invalid who fulfills the conditions above should submit a file comprising the following documents, to the Social Insurance Centre of the place of his last employment :

  • An application for invalidity pension on a printed CNPS form duly filled and co-signed by the insured himself and his employer ;
  • A statement of taxable wages from his successive employers, eventually since his date of enagement up to the date of stoppage of employment ;
  • His insurance booklet or any other document that may serve the purpose ;
  • His payslips, two for each of the past 5 years, if need be ;
  • A medical certificate establishing his premature wear and tear
  • A certified true copy of his national identity card ;
  • Possibly, certificates of employment issued by his successive employers ;
  • A certificate of residence, for foreigners whose country did not sign a Convention of reciprocity with Cameroon in matters of Social Security.

Method of calculation

  • The amount of old-age allowance for premature wear and tear is equal to the Monthly Average Remuneration of the worker multiplied by the number of the period of 12 months of insurance accomplished by the insured ;
  • If the insured has accomplished less than 36 months of insurance, the Monthly Average Remuneration retained shall be the arithmetic average of his wages.

Method of payment

Old-age allowance for premature wear and tear is paid in a lump sum to the insured by the Social Insurance Centre of the place of his last employment :

  • In cash, for amounts less than 100 000 francs ;
  • By cheque, for amounts at least equal to 100 000 francs ;
  • By social insurance money order.

SURVIVORS ALLOWANCE

Survivors allowance shall be granted to the rightful claimants of an insured who by the time of his death had accomplished less than 180 months of insurance.

Conditions required

To receive this benefit, one must be the rightful claimant of an insured who has accomplished less than 180 months of insurance by the time of his death.

Compiling of file

The rightful claimants of a deceased insured who fulfill the conditions above, should submit a file comprising the following documents to the Social Insurance Centre of the place of his last employment :

  • An application of survivors allowance on a CNPS form ;
  • A statement of taxable wages of the deceased insured from his successive employers, eventually since his date of enagement up to the date of his death ;
  • His insurance booklet or any other document that may serve the purpose ;
  • 10 pay slips of the deceased insured, two for each of the past five years ;
  • Possibly, employment certificates of the deceased insured ;
  • A certified true copy of the death certificate of the insured ;
  • An administrative document highlighting the family situation of the deceased insured ;
  • Possibly, a certified true copy of the death certificate, for each deceased spouse ;
  • A certified true copy of the National Identity card, for each living spouse ;
  • A certified true copy of the marriage certificate, for each living spouse ;
  • A certified true copy of the birth certificate or certified true copy of the National Identity Card, for each dependent ascendant of the 1st degree ;
  • A certified true copy of the birth certificate, for each dependent child ;
  • If need be, a certified true copy of the death certificate of each rightful claimant who died after the death of the insured opening right to pension ;
  • A certificate of existence, for each child below 6 years ;
  • A certificate of existence, for each dependent ascendant of the 1st degree ;
  • A school attendance certificate, for each child from 6 to 21 years ;
  • A medical certificate, for the disabled child or he who is suffering from an incurable disease, up to 21 years of age ;
  • A certificate of apprenticeship duly endorsed by the Inspector of Labour of the place of apprenticeship, for the child aged 14 to 18 years placed under apprenticeship ;
  • A certificate of non re-marriage, for each living spouse ;
  • An administrative document for the custody of children, for each living spouse or designated beneficiary ;
  • A residence permit, for foreign rightful claimants, whose country has not signed a convention of reciprocity with Cameroon in the area of Social Security.

Method of calculation

  • The amount of survivors allowance is equal to the number of periods of six months of insurance accomplished by the deceased insured multiplied by 30% of his Monthly Average remuneration. In case of several rightful claimants, the amount of the survivors allowance shall be divided among them in equal parts.

Method of payment

Old-age allowance for premature wear and tear is paid in a lump sum to the insured by the Social Insurance Centre of the place of his last employment :

  • In cash, for amounts less than 100 000 francs ;
  • By cheque, for amounts at least equal to 100 000 francs ;
  • By social insurance money order.

FUNERAL EXPENSES

In case of death of an insured who did not leave behind a rightful claimant as provided by the legislation on pensions, funeral expenses shall be reimbursed to any natural person or moral entity who bore them. The expenses shall comprise the supply of an ordinary or zinc coffin and the conveyance of the mortal remians.

Conditions required for reimbursement

To be reimbursed, one must have actually borne the funeral expenses of an insured who, by the time of his death :

  • Did not leave behind a rightful claimant ;
  • Had not received a benefit in the pensions scheme ;
  • Would not have claimed an old-age or invalidity pension ;
  • Had accomplished less than 180 months of insurance.

Compiling of file

The natural person or moral entity who solicits reimbursement of funeral expenses borne, should submit a file at the Social Insurance Centre of the place of the last employment of the deceased insured, comprising the following documents :

  • An application for reimbursement on plain paper ;
  • Bills or supporting documents of expenses made ;
  • An administrative document showing that the deceased did not leave behind a rightful claimant ;
  • A certificied true copy of the death certificate of the insured ;
  • An insurance booklet of the deceased insured or any other document that may serve the purpose ; or if the deceased worker was not insured ;
  • An application for registration of a worker signed by his employer.

Method of reimbursement

Reimbursement of funeral expenses shall be made by the Social Insurance Centre of the place of the last employment of the deceased insured :

  • In cash, for amounts less than 100 000 francs ;
  • By cheque, for amounts at least equal to 100 000 francs ;
  • By bank transfer if the applicant so wishes and produces his bank references ;
  • By social insurance money order.