If you are over the age of 18 and under 65 and cannot work through physical or mental disability, you may be entitled to receive a disability benefit if:
- the incapacity lasts for a continuous period of more than 52 weeks; and
- you were gainfully employed immediately before the date of incapacity for work; and
- you paid not less than 150 contributions; and
- the yearly average of contributions paid or credited is over 25; and
- you can produce a certificate of inability to work signed by a local registered medical doctor.
The rate of benefit will depend on your contribution record.
Note: A person who is terminally ill may be exempt from the waiting period.
If you have not paid into the scheme, you may still qualify for disability benefit if you:
- are a resident in Bermuda aged over 18 but under 65; and
- cannot work due to permanent physical or mental disability; and
- have been a resident here for a continuous period of not less than 10 years immediately preceding the date you apply; and
- produce a medical certificate of inability to work.