Statutory Deductions
National Insurance Scheme (NIS)
Household Workers ages 18-70 who are earning an income are required to be registered with and contribute to the NIS. Both the Household Worker and the Employer are responsible for making these contributions, weekly, fortnightly or monthly.
The NIS provides some financial protection to Workers and her/his family against loss of income arising from injury on the job, sickness, retirement and death of the breadwinner.
The contribution rate for Household Workers is $250 per week with effect from January 1, 2021. Bothe employers and domestic workers must pay half.
Household workers are advised to check that employers file returns on their behalf.
Only workers who have contributed to NIS may clam a benefit
NIS Benefits for Household Workers
Maternity Allowance:
The benefit to the Household Worker is payable as a lump sum equal to eight (8) weeks at the existing National Minimum Wage.
To qualify for the Maternity Allowance, the Household Worker must have been registered under the NIS and made at least 26 weekly contributions during the 52 week period before the expected date of delivery.
Invalidity Benefit:
This benefit is payable to Household Workers who have been diagnosed with a permanent medical condition that renders her/him incapable of work for a continuous period of at least 26 weeks.
To qualify for the Invalidity Benefit, the Household Worker must have contributed at least 156 weeks to NIS before the date of illness.
Retirement Pension:
This benefit is payable during the life of the pensioner.
To qualify for the Pension benefit, the Household Worker must reach retirement age as defined by law and must have made 10 full years of continuous contribution.
NI Gold:
This is a health insurance plan which provides comprehensive medical coverage for all NIS pensioners. Once a pension is awarded, the pensioner automatically qualifies for coverage under this plan.
No premium is paid by the pensioner to access this benefit.
Orphan Benefit:
This benefit is payable to the guardian of a child or children under the age of 18 whose parents are now deceased. The contribution of either parent is used to determine the qualification for this benefit.
Funeral Grant:
This benefit is payable upon the death of
- A NIS pensioner or her/his spouse, or
- A NIS contributor who has satisfied the required contribution conditions or her/his spouse
Widow’s/Widower’s Benefit:
This benefit is payable to the spouse of a deceased NIS contributor or pensioner. The payment of this benefit can be either for the short-term (one year or more) or long-term (for the life of the beneficiary) depending on the conditions.
Announce coming events
Having a big sale, on-site celebrity, or other event? Be sure to announce it so everybody knows and gets excited about it.