Social Insurance FAQs
Can I find out the amount of contributions I currently have attributed to me?
Viewed 6264 times since Tue, Mar 6, 2012
Yes, you can contact the Department of Social Insurance and request a record of contributions that have been attributed to your social insurance number. You will need to provide your social insurance number and birth day. Read More
As an ex pat am I able to recieve back what I contributed into social insurance
Viewed 5243 times since Thu, Jun 28, 2012
If the individual is of 65 yrs or older, he or she is eligibleto get back whatever contributions were paid into the government pension. They will need to fill out the application for a contributory old age pension/gratuitywhich can be foun... Read More
How do I get a social insurance number?
Viewed 4835 times since Tue, Mar 6, 2012
You must apply for a Social Insurance Number by completing anApplication for Registration. The form is available here You must provide:·A copy of your birth certificate or passport ifyou are Bermudian.·A copy of your birth certificate or passport and... Read More
How can I determine what my pension benefits will be?
Viewed 2991 times since Tue, Mar 6, 2012
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 firstname.lastname@example.org to find out more information regarding the benefits you are entitled to. Read More
Can contributions be transferred to another country?
Viewed 2940 times since Tue, Mar 6, 2012
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... Read More
If I leave the island will I receive my money back from the pension scheme?
Viewed 2787 times since Tue, Mar 6, 2012
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 Soc... Read More
If my husband dies do I get his pension contributions and the Goverment’s?
Viewed 2488 times since Tue, Mar 6, 2012
Aspouse may be entitled to a monthly widow’s allowance or a onetime payment of a widow’s gratuity. Please submit a widow’sapplication with your birth certificate, your marriage certificate and thedeath certifi... Read More
Who is eligible to receive a pension?
Viewed 2251 times since Tue, Mar 6, 2012
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 C... Read More
Social Insurance (entitlement)
Viewed 1957 times since Wed, May 30, 2012
The answer is yes. Whatever contributions that were paid into the social insurance pension by the individual will be paid out to them once he/she reaches pension age (65) and after he/she completes the application form and submits that for proc... Read More
Can I get my entire pension all at once?
Viewed 1929 times since Tue, Mar 6, 2012
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 contribution... Read More
I understand that Social Insurance has recently been increased. Would you kindly indicate the new rate as well as the effective date?
Viewed 1812 times since Fri, Aug 10, 2012
Yes the rates have increased, effective 1st August, 2012. The new rate is $64.14 weekly. Employer $32.07 and Employee $32.07 For months that have four (4) Mondays the amount would be $256.56 For months that have five ... Read More
When should I expect to receive my pension?
Viewed 1699 times since Tue, Mar 6, 2012
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... Read More
Do I get interest on my paid contributions?
Viewed 1692 times since Tue, Mar 6, 2012
No, interest is not paid on contributions, however; you get the benefit of the contributions paid on your behalf by your employer. Read More
If my mom dies and she is not married what happens to her social pension.
Viewed 1678 times since Thu, Jun 28, 2012
The estate would have to contact the pension department in orderto claim. Read More
Under what circumstance will an Expat collect a pension?
Viewed 1642 times since Fri, Sep 13, 2013
A person is entitled to a contributory pension If, he is of pension age and he satisfies the relevant contribution conditions. Read More
Who do I contact when I’m of retirement age?
Viewed 1579 times since Tue, Mar 6, 2012
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 Read More
What if a spouse dies before the pension receiving age of 65, can the widow/ widower get his/her pension?
Viewed 1578 times since Tue, Mar 6, 2012
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. Read More
I am planning to live overseas part of the year; will I still get a pension when I’m not in Bermuda?
Viewed 1544 times since Wed, Mar 21, 2012
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 ... Read More
Can I claim eligibility to either my mother or fathers pension?
Viewed 1532 times since Fri, Aug 10, 2012
If you are a child under the age of 18 and your parents are deceased and did not received Social Insurance benefits, you may be eligible for a Gratuity. Read More
How long does it take for pension applications to be processed?
Viewed 1516 times since Tue, Mar 6, 2012
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... Read More
Under what circumstance will an Expat not collect a pension?
Viewed 1511 times since Fri, Sep 13, 2013
Where a person has reached pension age but is not entitled to a contributory pension by reason only of failure to satisfy the relevant contribution conditions, they shall be entitled to an old age Gratuity of a sum equal to the total valu... Read More
New Rates - 2012/2013
Viewed 1492 times since Wed, Aug 8, 2012
Contribution rates with effect from 6th August, 2012 Weekly rates of Contribution &n... Read More
If I continue to work after the age of 65, will I still receive a pension?
Viewed 1420 times since Tue, Mar 6, 2012
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... Read More
I have two jobs and my primary employer deducts social insurance, should my secondary employer deduct as well?
Viewed 1400 times since Tue, Mar 6, 2012
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. Read More
I am already 65 and haven’t received my pension yet, what should I do?
Viewed 1311 times since Tue, Mar 6, 2012
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... Read More
Will I receive my pension early, if I retire before reaching the age of 65?
Viewed 1250 times since Tue, Mar 6, 2012
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 Read More
Can I make Payments online
Viewed 1237 times since Mon, Sep 24, 2012
Yes . Online payments can be made via HSBC and Butterfield Bank. They are listed in the payee listings. Read More
I won’t be 65 until 12 months from now; can I come into the DOSI office for a meeting about my pension?
Viewed 1227 times since Tue, Mar 6, 2012
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. Read More
One of the companies I worked at is no longer in business, what happened to my pension?
Viewed 1225 times since Tue, Mar 6, 2012
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 contr... Read More
Can I make voluntary payments to make up for missed payments?
Viewed 1214 times since Tue, Mar 6, 2012
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. Read More
I have a terminal illness and can no longer work. Can I receive an early pension?
Viewed 1208 times since Tue, Mar 6, 2012
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, th... Read More
If my employer neglected to take Social Insurance from the beginning of my employment - can he now take payments from me retroactive?
Viewed 1169 times since Tue, Mar 6, 2012
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. Read More
I have been self-employed all my life am I eligible for a pension?
Viewed 1116 times since Tue, Mar 6, 2012
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... Read More
I have had a number of jobs over the years will I get a pension from each company?
Viewed 1087 times since Tue, Mar 6, 2012
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... Read More
Can individuals get a social insurance number from the age of 16?
Viewed 1072 times since Tue, Mar 6, 2012
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. Read More
Where can I go to pay, inquire or submit application forms for Social Insurance without going into Hamilton?
Viewed 1068 times since Tue, Mar 6, 2012
The Department of Social Insurance will be having off site offices each month in St. George at St. Peters Church Hall and Somerset at St. James Church Hall starting November 2011. Specific dates will be announced. Read More
How far back can I make an adjustment to my staff with respect to Social Insurance contributions?
Viewed 1023 times since Tue, Mar 6, 2012
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. Read More
Where is the DOSI office?
Viewed 970 times since Tue, Mar 6, 2012
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 Read More
What are the social insurance department hours of opening?
Viewed 957 times since Tue, Mar 6, 2012
The Department of Social Insurance is open Monday to Friday 8.30 am to 5 pm, payments are received 8.30 am to 4.30 pm. Read More
Can I make retroactive adjustments to my staff employment records with DOSI?
Viewed 940 times since Tue, Mar 6, 2012
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. Read More
My spouse has died and was a War Vet, do I get compensation for funeral cost?
Viewed 930 times since Tue, Mar 6, 2012
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. Read More
When should I expect to get information about the pension meeting?
Viewed 912 times since Tue, Mar 6, 2012
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. Read More
Is it a pre-requisite that you need to have a job before you can obtain a social insurance number?
Viewed 908 times since Tue, Mar 6, 2012
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. Read More
Can I get information about HIP at the DOSI office?
Viewed 906 times since Tue, Mar 6, 2012
It will be best to go directly to the HIP office which is located on the 2nd Floor of Sofia House, Read More