Social Security

Pension Rights

Law provides for both full and early pension. For full pension, a worker must have attained 60 years of age (younger if prematurely aged) with at least 180 months (15 years) of contributions.  Minimum pensionable age is 60 years.

The pension is 30% of a worker's average monthly earnings in the last 3 or 5 years (whichever is higher) plus 2% of average monthly earnings in each 12-month period of coverage exceeding 180 months. The minimum monthly pension is 50% of legal minimum wage. Workers who do not meet the requirements of old age pension are entitled to old age allowance, paid as a lump sum of the insured's average monthly earnings in the last three or five years (whichever is greater) multiplied by the number of years of contributions.

Source: Articles  20 of Law N° 06/2003 of 22/03/2003 Modifying and Completing the Decree Law of August 22, 1974 Concerning Organization of Social Security

Dependents' / Survivors' Benefit

The Social Security law provides for survivor benefit for dependents including widow, widower and children under  18 years of age (age limit is 25 years in case of a student, no age limit in case of disabled) and parents (including adoptive parents if there is no surviving spouse or orphan). If a worker dies and he/she meets the requirements of entitlement to old age or invalidity pension or was already getting it,  50% of the deceased's pension is paid to a widow/widower as a survivor's benefit. 25% of the deceased worker's pension is paid to each orphan. If there are full orphans, 50% of the pension is paid to each full orphan. Dependent parents  get 25% of pension if there are no other eligible survivors.  Total survivors' benefits can't exceed 100% of a deceased worker's pension.

If an insured worker dies but he/she is not entitled to invalidity pension and does not fulfill other requirements, the survivors are entitled to the survivor's allowance, provided as a lump sum of one month of pension for each six-month period of coverage is paid to the widow(er) and a lump sum of 50% of the survivor settlement is paid to each eligible orphan. The total settlement paid to orphans must not exceed twice the survivor settlement.

Source: ISSA Country Profile Rwanda, 2017

Invalidity Benefit

The social security law provides for invalidity benefit in the case of non-occupational accident/injury/disease resulting into permanent invalidity.  A worker is entitled to invalidity benefit if he/she is assessed with at least 50% of loss in earning capacity and have at least five years of contributions, including six months of contributions in the 12 months before the disability began. The pension is 30% of a worker's average monthly earnings in the last 5 years plus 2% of average monthly earnings in each 12-month period of coverage exceeding 180 months. The minimum monthly pension is 50% of legal minimum wage. Disability pension ceases at age 55 with the start of old-age pension.

Source: Law N° 05/2015 of 30/03/2015 governing the organization of pension scheme; ISSA Country Profile Rwanda, 2017

Regulations on Social Security

  • Social Security Code, 1974 / Itegeko rigenga ubwiteganyirize bw'abakozi, 1974
  • Law No. 6/2003 of 03/22/2003 / Itegeko Nomero. 6/2003 ryo ku wa 03/22/2003
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