- Where can I go to pay contributions, make inquires or submit application forms for Social Insurance, without going into Hamilton?
The Department of Social Insurance have staff at satellite offices each month, on the 3rd Tuesday at St. James Church Hall in Somerset and on the third Thursday at St. Peters Church Hall in St. George. Satellite Office hours are from 10:00 a.m. – 4:00 p.m.
- Can individuals get a social insurance number from the age of 16?
Yes, a social insurance number can be obtained from the legal school leaving age of Bermuda which is age 16. A person this age is not required by law to make contributions until they have reached the age of 18 and is no longer a full time student.
- How do I get a social insurance number?
You must apply for a Social Insurance Number by completing an Application for Registration. The form is available here. You must provide:
- A copy of your birth certificate or passport if you are Bermudian.
- A copy of your birth certificate or passport and an Immigration Spousal Letter if you are the spouse of a Bermudian.
- A copy of your birth certificate or passport and a copy of your work permit if you are Non-Bermudian.
- Is it a pre-requisite that you need to have a job before you can obtain a social insurance number?
No, however, you should have a job before you apply for a social insurance number to prevent any delays in the processing of your application.
- How far back can I make an adjustment to my staff with respect to Social Insurance contributions?
Adjustments to staff records should be sent to the Department of Social Insurance no later than one (1) month after the period of adjustment. Retroactive adjustments will be accepted with documentation supporting the adjustment i.e.: payroll records.
- Can I make retroactive adjustments to my staff employment records with DOSI?
Adjustments to staff records should be sent to the Department of Social Insurance no later than one (1) month after the period of adjustment. Retroactive adjustments will be accepted with supporting documentation i.e.: payroll records.
- Do I get interest on my paid contributions?
No, interest is not paid on contributions, however; you get the benefit of the contributions paid on your behalf by your employer.
- I have two jobs and my primary employer deducts social insurance, should my secondary employer deduct as well?
No, only the primary employer is liable to pay the employers half of the contributions for the employee for any contribution week you are employed for more than 4 hours at that job.
- I have a terminal illness and can no longer work. Can I receive an early pension?
No, the Contributory Pension is only paid out to persons aged 65 and over, however with a medical certificate from a certified physician an individual can apply to receive a disability benefit. If you feel you may qualify for a disability benefit, the form to fill out can be found here. Fill out the appropriate application and return it to the Department of Social Insurance. For further information please contact the Department of Social Insurance benefits section at (441) 294-9242.
- On the back of the widow's form it asks for your insurance number. Is this your social insurance number or your health insurance number?
This is referring to your social insurance number not your health insurance number.
- How long does it take for pension applications to be processed?
It will take approximately 3 – 5 business days to process the application. This can be longer if information is inaccurate, missing or needs to be verified. If 7 business days have passed you should contact the Department of Social Insurance Benefits department at (441) 294-9242 to find out the status of your application.
- Can contributions be transferred to another country?
No, contributions cannot be transferred to another country. There is however a reciprocal agreement with the United Kingdom and Northern Ireland that allows the contributions to be combined, if a person has provided contributions in either the United Kingdom or Northern Ireland. For further information please contact the Department of Social Insurance Benefits department at (441) 294-9242.
- What if a spouse dies before the pension receiving age of 65, can the widow/ widower get his/her pension
The widow/widower may be entitled to receive a benefit based on the deceased spouse's total contributions. This can be done in the form of a monthly benefit or a one-time pay out called a Gratuity.
- My spouse has died and was a War Vet, do I get compensation for funeral cost?
Yes, the surviving spouse may be entitled to burial expenses up to a maximum of $5,000 BMD. For more information please contact the Department of Social Insurance Benefits department at (441) 294-9242.
- If my employer neglected to take Social Insurance from the beginning of my employment – can he now take payments from me retroactive?
Notwithstanding of any contract to the contrary, the employer is not allowed to take retroactive payments from an employee to pay back contributions the employer has made for the employee.
- Who is eligible to receive a pension?
A person who is age 65 or over and has paid or been credited with contributions on average between 25 and 50 weeks per year is entitled to receive a Contributory Pension. You may be entitled to a Non-Contributory Pension if you do not qualify for a Contributory Pension. For more information regarding this please click here. You can also call the Department of Social Insurance Benefits department at (441) 294-9242 or come to the department to discuss your eligibility for any benefits.
- When should I expect to receive my pension?
The month following your 65th birthday is the earliest a person can expect to receive their pension. If the application is not complete than the pension will not be delivered until the application is complete. You can find the application by clicking here.
- How can I determine what my pension benefits will be?
You can call, e-mail or come into the Department of Social Insurance and speak with a benefits staff member at (441) 294-9242 or you can email email@example.com to find out more information regarding the benefits you are entitled to.
- I have had a number of jobs over the years will I get a pension from each company?
No, but your social insurance number will have contributions from each company you have worked for on different occasions of at least 4 hours or more provided your employer has paid their share of contributions on your behalf while you were employed by them. These will be used in the calculation of a pension at age 65. If you have worked two separate jobs of 4 hours or more at the same time, there will only be contributions from only one employer.
- One of the companies I worked at is no longer in business, what happened to my pension?
If the company has not paid contributions for you, you should call the department and speak with an inspector at (441) 294-9242. Your pension is calculated on paid contributions, so therefore if the company you are referring to has not paid any contributions for you, you will not be credited with contributions for the time you worked for that company.
- I am already 65 and haven't received my pension yet, what should I do?
If you have not applied to receive any benefit, than you should click here to access the appropriate form. Fill out the form and come to the Department of Social Insurance on the Ground Floor of the Government Administration Building at 30 Parliament Street Hamilton HM 12 and apply by filling out an application form. You can also call the Department of Social Insurance at (441) 294-9242 to arrange a meeting to discuss the benefits you are entitled to.
- When should I expect to get information about the pension meeting?
Any follow up information regarding your pension meeting should be done by the individual. You can call the Department of Social Insurance at (441) 294-9242. We are open Mon. – Fri. 8:30am– 5pm.
- I won't be 65 until 12 months from now; can I come into the DOSI office for a meeting about my pension?
Yes, call the Department of Social Insurance at (441) 294-9242 and ask to arrange a meeting with a Benefits staff associate or you can come in the Department of Social Insurance to arrange a meeting for yourself.
- Where is the DOSI office?
We are located on the ground floor of the Government Administration Building, 30 Parliament Street across from the House of Assembly. You can reach us by calling (441)294-9242 to get more detailed directions.
- Can I get information about HIP at the DOSI office?
It will be best to go directly to the HIP office which is located on the 2nd Floor of Sofia House, 48 Church Street next to the Post Office. You can call them at (441) 295-9210 or visit their website at www.hip.gov.bm.
- I have been self-employed all my life am I eligible for a pension?
If you are 65 or over and have paid or been credited with contributions between 25 and 50 weeks per year, you are entitled to a monthly Contributory Pension. The amount you receive will depend on the total contributions & number of years you have invested into the scheme. Please click here to apply.
- Can I get my entire pension all at once?
No, if you qualify for a contributory pension, you will receive it on a monthly basis once your contributions history has been assessed and you have applied for it at the age of 65. Please click here to apply. If you do not have enough contributions to qualify for the monthly contribution benefit at age 65, you will be given a onetime gratuity payment of your total contributions deposited to your social insurance account.
- I am planning to live overseas part of the year; will I still get a pension when I'm not in Bermuda?
If you qualify for a Contributory Old Age pension, you can live anywhere. If you do not qualify for Contributory Old Age pension, you should contact the Department of Social Insurance benefits section to clarify if you can still receive your pension benefits while not living in Bermuda.
- If I leave the island will I receive my money back from the pension scheme?
Not if you are not at the pension age of 65 or qualify for a disability benefit. The national pension of Bermuda is not paid out until the age of 65. If you feel you may qualify for any other pension benefit than you should call the Department of Social Insurance at (441) 294-9242 to arrange a meeting with a benefits representative.
- Will I receive my pension early, if I retire before reaching the age of 65?
No, the Contribution Pension Plan does not pay out to persons who have not reached the pension age of 65 years of age. Only at age 65 will you be eligible to receive the pension benefits.
- Who do I contact when I'm of retirement age?
You can contact the DOSI benefits section at (441) 294-9242 or come to the Department of Social Insurance on the Ground Floor of the Government Administration Building at 30 Parliament Street Hamilton HM 12.
- If I continue to work after the age of 65, will I still receive a pension?
Yes, you can continue to work pass the pension age of 65 and still receive your pension, as long as you complete and return to the Department of Social Insurance ,the application to receive your pension. If you are working for an employer, you may be entitled to have more contributions added to your social insurance number. When you decide to stop working, your pension will be reassessed to reflect the added contributions.
- Can I find out the amount of contributions I currently have attributed to me?
Yes, if you click here you will be able to check your contributions online. You will need to provide your social insurance number and birth date to access the information. You can also come to the Department of Social Insurance and request a record of contributions that have been attributed to your social insurance number.
- Can I make voluntary payments to make up for missed payments?
Yes, you can make voluntary payments to make up missed contributions. It will be best to contact the Department of Social Insurance Contributions department at (441) 294-9242 to find out more information regarding this.