National Social Security Fund (NSSF)

NSSF was founded to manage the protection of social security in conformity with the National Law on Social Security and the Provisions of Social Security in pursuance of the Sub-Decree. After comprehensive organization, NSSF was implemented in late 2008.

What NSSF offers:

1 Employment Injury Scheme:

.   The Employment Injury Scheme is a component of the NSSF that provides coverage and benefits to workers who suffer from work-related injuries or occupational diseases.

.   Workers who are insured under the NSSF and sustain injuries or illnesses arising from their employment are eligible for benefits under this scheme.

.   Coverage includes medical treatment, hospitalization, surgical procedures, medication, rehabilitation services, and prosthetic devices.

.   In the case of temporary or permanent disability resulting from an employment injury, the NSSF provides disability benefits to compensate for the loss of earning capacity.

.   The scheme also offers survivor benefits to the dependents of a worker who dies due to an employment injury.

2 Health Insurance Scheme:

.   The Health Insurance Scheme aims to provide access to affordable and quality healthcare services to insured individuals and their dependents.

.   Insured workers and their registered dependents are eligible for health insurance coverage.

.   The scheme covers a range of medical services, including consultations, diagnostic tests, hospitalization, surgeries, medications, and other necessary treatments.

.   The NSSF has a network of healthcare providers, including hospitals, clinics, and pharmacies, where insured individuals can seek medical services.

3. Pension Scheme:

.   The Pension Scheme provides retirement benefits to insured workers who have reached the eligible retirement age.

.   Insured workers contribute a portion of their wages to the pension scheme throughout their working years.

.   Upon retirement of 60 years of age, workers are entitled to receive a monthly pension based on their contributions and the length of their participation in the scheme.

.   The pension amount is calculated based on a formula that considers the average monthly wage and the number of contribution months.

.   The pension scheme aims to provide financial security to retired workers and help them maintain a decent standard of living during their retirement years.

Who is covered by the National Social Security Fund (NSSF)?

Employees in the Formal Sector:

Individuals who are employed in the formal sector, including those working in private companies, state enterprises, and NGOs are generally covered by the National Social Security Fund (NSSF). This includes workers who have full-time or part-time employment contracts.

Employees in the Formal Sector:

Government officials and employees of government agencies, including civil servants are covered by the NSSF.

Employees in the Formal Sector:

Certain categories of self-employed individuals, such as small business or enterprise owners, can choose to participate in the NSSF and receive social security coverage. This coverage is optional, and the self-employed individual must register with the NSSF and pay the necessary contributions.

Employees in the Formal Sector:

The NSSF has taken steps to extend coverage to workers in the informal economy, such as street vendors, small-scale farmers, and other self-employed individuals. The specific mechanisms and implementation of coverage for informal economy workers may vary and are subject to ongoing initiatives and developments.

Contributions to the National Social Security Fund

Occupational Risk Scheme:

Contribution of occupational risk is only borne by the employer or owner of an enterprise/ establishment. The workers are not liable for paying such contributions.

The contribution rate of occupational risk is an agreeable rate prescribed by 0.8 % (zero point eight) of the contributory wage of worker’s gross wage.

Based on Sub-Degree No 144, the minimum contributory wage is KHR 400,000 (around USD 100) to a maximum of KHR 1,200,000 (around USD 300).

Health Care Scheme

The contribution rate of the health care scheme which is borne by the employer or owner of an enterprise/establishment shall be determined by 1.3% (one point three) percent of the contributory wage of the worker's gross wage.

The contributory wage of worker’s gross wages for health care scheme shall be determined the same as occupational risk.

Based on Sub-Degree No 144, the minimum contributory wage is KHR 400,000 (around USD 100) to the maximum of KHR 1,200,000 (around USD 300).

Pension Scheme:

The social security pension serves as a long-term financial plan that provides support to individuals who are no longer able to work or have reached the age of 60. It is a universal system that aims to align Cambodia's pension agencies with global standards, thereby globalizing the pension system.

By implementing the social security system, the pension sector ensures consistent protection for three distinct groups:individuals in the public sector, individuals covered under the Labor Law(including air and sea workers, domestic workers), and self-employed individuals.

This section is further divided into two parts:compulsory pensionand voluntary contributions.The pension system encompasses various types of benefits, including old age pensions, unpaid pensions, survivor pensions, and funeral allowances.

Compulsory pension contributions are as follows:

1.  First stage in the first five years, the pension contribution rate is at 4% of the contributory wage of the employee (employer contributes 2% and employee 2%).

2.  Second stage in the next five years(i.e. the sixth to tenth years), the contribution rate is 8% of the contributory wage.

3.  Third stage - the contribution rate will increase 2.75% in the eleventh to twentieth years, with subsequent increases of 2.75% every ten years.

Based on Sub-Degree No 144, the minimum contributory wage is KHR 400,000 (around USD 100) to the maximum of KHR 1,200,000 (around USD 300).

The exchange rate is based on the National Social Security Fund (NSSF) exchange rate.

Conditions, Forms, and Procedures for Claiming

Old age pension

Members of the NSSF at least 60 (sixty) years old is eligible for old age pension if the person meets the following conditions

1- Registered in the pension scheme.

2- Paid pension contribution for at least 12 (twelve) months.

Unemployment pension

Members of the NSSF, unemployed workers are entitled to a pension if they meet the following conditions:

1- Registered in the pension scheme

2- Pension contribution of at least 60 (sixty) months before the date of insolvency.

Survivors Pension

The entitlement to the Survivors Pension arises when the death of an old-age or disabled pensioner occurs, or when a member of the NSSF has made pension contributions for a minimum of 60 (sixty) months.

Voluntary contribution scheme

Voluntary pension contributions are the direct responsibility of the individuals registered under this section. The contribution rate for this section will be equal to the contribution rate under the compulsory contribution scheme. The amount of the contribution must be based on the direct request of the person. There are three situations in which members of the NSSF can volunteer:

1. Individuals who have lost a job with pay before the age of 60 (sixty years) and are able to pay contributions.

2. Individuals who are 60 years old (or over) and intend to continue to pay contributions in order to receive a higher retirement pension than the actual old-age pension that they are entitled to receive through the compulsory contribution scheme.

3. Individuals with a higher income than the ceiling wage, which makes them obligated under the compulsory contribution scheme, and intend to pay additional contributions in the full financing system (savings).