Your rights at the National Insurance Institute →
Your rights at the National Insurance Institute →
Your rights at the National Insurance Institute 1 Dear Citizens, The National Insurance Institute (NII) accompanies all Israeli citizens from birth until old age and serves as a social safety net for them. Beyond the services provided to every citizen, the NII serves as the long arm of the government by granting rights to those faced with economic hardships, disability, unemployment and other difficulties. The National Insurance Institute is actually the largest organization in Israel, which demands of me, and of the NII’s management, a continuous and creative process of improving and simplifying its operations, for the benefit of the citizens. Transparency, accessibility and removing bureaucratic obstacles are our guidelines, all with the objective of providing citizens with quality, available and appropriate responses, as simply as possible.
Among other steps, we are improving the dialogue with target populations, particularly with the disabled population, and are acting to move the Appeals Committees out of the National Insurance Institute and into independent organizations. Such steps aim to improve the operation of Israel’s most important institute and to transform the service it provides to Israeli citizens to the quality and reliable service they deserve. Dear Citizens, The National Insurance Institute (NII) is the leading and most professional social security organization in Israel, and its main function is facilitating benefits to those eligible for them under law. The NII provides an economic and social safety net for large segments of the population, such as families with children, the elderly, widows and orphans, and those facing personal crises, such as losing a job, becoming disabled, or being injured at work. Overall, NIS 70 billion in benefits are paid out to the public annually. In addition, the National Insurance Institute operates, through its Rehabilitation Department and its five Funds for service development, vocational rehabilitation programs and social services to special-needs populations. We are making significant efforts to promote social legislation to care for the welfare of all citizens and for a dignified life of the weaker classes, while maintaining a continual dialogue with the public, and trying to uphold the value of mutual responsibility, in the spirit of the words of the Prophet Isaiah, “Every one shall help his neighbor and shall say to his brother: Be of good courage” (Isaiah 41:6).
Our main objectives are to help citizens reach full take-up of rights at the National Insurance Institute and to provide quality services, with sensitivity to all those who need them. We are tirelessly working to improve the service provided at the various local branches, and are opening new service centers in the periphery. At the same time, in an effort to bring services closer to the public, we are developing tools which will reduce the need to personally visit the local branches. We have established a national call center, and operate computerized self-service stations. We have also expanded the services offered on the NII website, such as the possibility of paying insurance contributions online. In this booklet you will find general explanations regarding the conditions of entitlement to benefits from the National Insurance Institute, the obligation to pay national and health insurance contributions, and information on services provided at the local branches and through other service channels. I hope that this information assists you in taking up your rights at the National Insurance Institute, and in receiving speedy and efficient service.
THE NATIONAL INSURANCE INSTITUTE – AT YOUR SERVICE Sincerely, MK Meir Cohen Minister of Welfare and Social Services Sincerely, Prof’ Shlomo Mor-Yosef Director General
2 This booklet provides general information only and should not be deemed to be the full or authorized text of the law. Everything stated in the male gender refers to women as well. Table of contents • Maternity insurance . . 4 • Children insurance . . 6 • Reserve Duty benefit . . 7 • Grant to discharged soldiers performing vital work . . 8 • Unemployment insurance . . 9 • Employees׳ rights following bankruptcy and corporate dissolution . . 10 • Volunteers׳ rights . . 10 • Benefits for victims of hostilities . . 11 • Work injury insurance . . 12 • Disability insurance . . 14 • Mobility allowance . . 16 • Accident injury insurance . . 18 • Vocational rehabilitation . . 19 • Income support benefit . . 20 • Maintenance payments . . 22 • Benefits for a child orphaned by domestic violence . . 22 • Benefits for Prisoners of Zion and families of Martyrs . . 23 • Benefits for Righteous Gentiles . . 23 • Survivors׳ insurance . . 24 • Old age insurance . . 26 • Long-term care insurance . . 28 • Counseling Service for the Elderly . . 29 • Appealing a decision of the National Insurance Institute . . 30 • The National Insurance Institute Funds . . 31 • Payment of national and health insurance contributions . . 32 • International social security conventions . . 36 • National Insurance Institute service channels . . 37 • National Insurance Institute local branches . . 40
Your rights at the National Insurance Institute 3 THE NATIONAL INSURANCE INSTITUTE The National Insurance Institute of Israel (NII) is a governmental social security institution that operates under law. Its main function is to ensure a means of subsistence for the residents of Israel who are unable to support themselves. The National Insurance Institute collects insurance contributions from all residents, in accordance with their income and status, and pays benefits to those entitled by law to receive them. The NII is also responsible for collecting health insurance contributions under the State Health Insurance Law and transfers the collected health insurance contributions to the health funds.
The NII pays benefits to the unemployed, to women on maternity leave, to the disabled, to people with limited mobility and those who have sustained work injuries, to accident victims, to people serving in military reserve duty, to families with children, to the elderly, to widows and orphans, to those with low incomes, to employees of bankrupt companies, to volunteers, etc. The benefits are intended to provide economic protection to each resident and family in times of temporary or persistent loss of income. By collecting the insurance contributions on the one hand and paying the benefits on the other, income is transferred from economically established groups to weaker or more vulnerable groups. In this manner, the National Insurance Institute contributes to a more equitable distribution of national revenues and to decreasing poverty in Israel.
In addition to monetary benefits, the NII provides rehabilitation and vocational training services to the disabled and to widows, and long-term care and advisory services to the elderly. By means of the five Funds that it operates, the National Insurance Institute helps finance projects developing community and institutional services for people with special needs. These funds are utilized to facilitate projects to benefit the disabled, the elderly who require long-term care, disenfranchised youths, children at risk and others. The projects help to integrate these people into the job market and the community. In order to improve its services, the National Insurance Institute has developed computerized information systems that provide access to up-to-date information, such as an Internet website through which extensive up-to-date information can be obtained, including personal information, self-service terminals, automated voice response and passwords for personal identification. These developments enable receiving service and making payments independently, eliminating need to go personally to the local branch. Deer Citizen, This booklet contains general information on the benefits and services provided by the National Insurance Institute pertaining to each one of us at any given point in life. We hope that this important information will help you to exercise your National Insurance rights.
Changes are made from time to time in the laws under which the National Insurance Institute pays benefits. Therefore, when enquiring about exercising your rights, please clarify these rights by calling the call center at *6050 or visit the National Insurance Institute website at www.btl.gov.il, which contains extensive and up-to-date information. You can also obtain information at the local NII branch closest to your place of residence.
4 The main purpose of Maternity insurance is to insure the basic conditions for the welfare of both mother and newborn child, and to compensate working mothers for the loss of income due to pregnancy and birth. Hospitalization grant A payment made by the National Insurance Institute to hospitals for hospitalization expenses of women giving birth. Birth grant Paid to the mother for participation in initial post- birth expenses. The birth grant is paid within a month of the birth into the mother׳s bank account to which the child allowance is paid or, for a first birth, into the bank account listed at the hospital. Who is entitled to a hospitalization grant and a birth grant?
A mother who gave birth in a hospital or was hospitalized immediately after the birth (the birth of a live infant or a birth after 26 weeks of pregnancy), and who is one of the following: • AnIsraeliresidentorthewifeofanIsraeliresident (even if the birth took place outside of Israel); • Asalaried employee or a self-employed woman who is working in Israel (even if she is not an Israeli resident, provided that the birth took place in Israel); • A mother whose spouse has been a salaried employee or self-employed in Israel for at least 6 consecutive months preceding the birth (even if the mother and her spouse are not Israeli residents, provided that the birth took place in Israel).
The claim for a hospitalization grant and birth grant (as well as for child allowance) Is sent to the National Insurance Institute via the hospital where the birth occurred. For this reason the birthing mother must bring her and her partner’s ID cards to the hospital, and provide the hospital with her bank account information (or that of her joint bank account with her partner). Birth grant amounts as of January 2014: For the first child in a family: NIS 1,751 For the second child in a family: NIS 788 For the third and for every additional child in a family: NIS 525 For twins: NIS 8,757 For triplets: NIS 13,136 Abirthing mother who gives birth to more than two children in the same birth is also eligible for a childbirth allowance (details below). Maternity allowance Paid to a working woman on maternity leave, in a lump-sum payment to her bank account. The maternity allowance is designed to compensate the mother for the loss of her salary or income during the time that she is not working due to the pregnancy and birth.
Who is entitled to a maternity allowance? • Asalaried employee or a self-employed woman who is employed in Israel (even if she is not an Israeli resident); • A salaried employee who is employed outside of Israel − under certain conditions; • A woman at least 18 years of age who is undergoing vocational training or vocational rehabilitation − under certain conditions. Conditionsofentitlementtoamaternityallowance • If insurance contributions were paid for the mother for 10 of the 14 months, or 15 of the 22 months preceding the ״determining date״ (the date on which she stopped working during the pregnancy that ended in the birth) − she is entitled to a maternity allowance for 14 weeks. • If insurance contributions were paid for her for 6 of the 14 months preceding the ״determining date״ (the date on which she stopped working duringthepregnancythatendedinthebirth)−she is entitled to maternity allowance for 7 weeks. The following months are considered months in which insurance contributions were made, provided that they preceded the ״determining date״: • Monthsinwhichthewomanworkedandreceived a salary from her employer (including sick pay and vacation pay), or months in which she had income from self-employment and she paid insurance contributions from that income. • Monthsforwhichthewomanreceivedamaternity allowance (for a previous birth) from the National Insurance Institute, or a work injury allowance or unemployment benefit or accident benefit or pregnancy bed rest benefit or benefit for a 100% work disability.
• Months for which the woman received sick pay or pay in lieu of annual leave from a provident fund. • The first two months of unpaid leave (for which her employer is required to make insurance contributions). • Monthsduringwhichthewomanwasundergoing vocational training, provided that she worked for at least 30 consecutive days immediately before the ״determining date״. • Months of service in the IDF − A soldier who terminated her military service and started working − under certain conditions. Work during part of a month is considered a full working month Rates of the maternity allowance 100% of taxable income after deducting income tax, nationa and health insurance contributions, up to the maximum maternity allowance (in January 2014 – NIS 1,459.50 per day for women employed or self-employed).
Extending the maternity leave A birthing mother is eligible to extend or split a maternity leave following a multi-fetal birth (more than one child), or following her or her infant’s hospitalization for a period of at least 15 days. The birthing mother must notify the National Insurance Institute of the extension or split as soon as possible.Additional information is available on the NII website. How do you obtain a maternity allowance? Fill in the claim form for maternity allowance NI/355 anddeliverittoyourlocalNIIbranch.Claimformscan be obtained at any local NII branch or downloaded from the National Insurance Institute website and then mailed or faxed. Salaried employees can obtain the form from their employer. Maternity insurance
Your rights at the National Insurance Institute 5 Self-employed women or salaried employees whose employer has arranged with the National InsuranceInstitutetohavematernityallowancebe automatically paid – do not need to file the claim. Abirthingmotherwhohasreceivedunemployment benefits a month prior to giving birth, and birthing mothers who received risk pregnancy benefit during pregnancy a week prior to giving birth – will receive the maternity allowance automatically and do not need to file the claim. The form can be delivered to the National Insurance Institute once work is halted, but no earlier than 9 weeks prior to the estimated delivery date (if you are delivering this form prior to giving birth, ask your physician to confirm the estimated delivery date on the form).
The last date on which the claim can be filed is 12 months from the date of the birthing mother’s eligibility for a maternity allowance. Abirthingmotherwhoworksduringhermaternity leavemaylosehereligibilityformaternityallowance. Paternity allowance Afather is permitted to replace his partner for some of the maternity leave 6 weeks after birth, and for at least 21 consecutive days, on the condition that both he and his partner have accrued an insurance period that makes them eligible for a maternity allowance.
Claim form NI/360 can be downloaded from the National Insurance Institute website. A birthing mother who, for medical reasons, is unable to care for her an infant can be replaced by her partner at any time during the maternity leave, provided he too meets the conditions for eligibility. A biological father who is a single parent may claim paternity allowance under certain conditions. Vacation pay for adopting parents Are paid to employees or self-employed persons who have adopted a child younger than 10 years old and who have halted their employment for the adoption, if their insurance period makes them eligible for a maternity allowance.Additional details and claims form NI/356 can be found at the National Insurance Institute website. Vacation pay for a foster family Are paid to employed or self-employed persons who have begun caring for a foster child younger than 10 years old for a period of over 6 months and who have halted their employment for the purpose of caring for the child, if their insurance period makes them eligible for a maternity allowance. Additional details and claims form NI/356 can be found at the National Insurance Institute website. Childbirth allowance A childbirth allowance is a payment to a mother who gives birth to three or more infants in one birth, and at least three of the infants survive for 30 days after the birth. The mother is entitled to a childbirth allowance if she is entitled to a hospitalization grant and a birth grant.
Childbirth allowances are paid for the period between the 1st of the month following the birth and 20 months following this date. For every one of these months allowances are paid according to the number of children alive on the 1st of that month, with the amount of the benefits gradually decreasing throughout the eligibility period. Details on the allowance amounts can be found at the National Insurance Institute website. The allowance is paid automatically to the bank account receiving the child allowance, and there is no need to file a claim.
Payments for a child whose mother has passed away If a birthing mother passed away during childbirth or within one year following the date of birth, a special benefit will be paid for the child, provided the birthing mother was eligible for a birth grant and/or a childbirth allowance and/or a maternity allowance. Two types of payments are made for a child whose mother has passed away: Special allowance Paid to a partner or legal guardian for every child born in the same birth and present in Israel. The allowance is paid for 24 months, and if survivors pension or dependents pension are paid for the child – for 12 months.The amount of the allowance for one child as of January 2014 – NIS 2,727 a month.
Special benefit Paid to the birthing mother’s partner if he halted his employment as a result of her passing away for the purposes of caring for the child. The benefit (relative to the amount of the spouse׳s salary) is paid for a maximum of 12 weeks from the end of the seven days of mourning, and only if the rate per day exceeds the rate of the special benefit. The special benefit is not paid during the time that the special allowance is paid. Aclaimforspecialallowanceandspecialbenefit File form NI/380 at a NII local branch. The form can be downloaded from the National Insurance Institute website.
Participation in the costs of transporting a birthing mother in an ambulance The National Insurance Institute participates in the cost of transporting a birthing mother in a Magen David Adom ambulance to the hospital. Details can be found at the National Insurance Institute website. Pregnancy bed rest benefit Paid to an employed woman who was forced to halt her work during the pregnancy because of health risks to her or the fetus as a result of the pregnancy; or in case in which the work environment puts the woman or the fetus at risk, and her employer was unable to find her a different position. The benefit is designed to compensate the woman for the loss of her salary during the period of the bed rest. Benefit rates A woman’s average income in the three months prior to the Pregnancy bed rest , but no more than NIS 291.90 per day, as of January 2014. Condition of entitlement to the benefit • The expectant mother must be a resident of Israel, a salaried employee or self-employed for whom insurance contributions have been paid for at least 6 of the 14 months that preceded the ״determining date״ (the date on which she stopped working due to pregnancy bed rest). For months that are considered months in which insurance contributions were paid – see “maternity allowance” • Theexpectantmotherwasconfinedtopregnancy bed rest as authorized by an obstetrician- gynecologist, for at least 30 consecutive days. If she required an additional period of bed rest, at least 14 consecutive days in each additional period.
• A specialist doctor on behalf of the National Insurance Institute has approved her claim for pregnancy bed rest benefit. • She is not receiving payment for the period of pregnancy bed rest from any other source. Filing a claim for pregnancy bed rest benefit Must be filed at the local NII branch, on form for Enforced Bed-rest NI/330. Claim forms can be obtained at any NII local branch and on the NII website. Medical certification to be filled out by an obstetrician-gynecologist is attached to the form. The last date for submitting the claim form, accompanied by the medical certificate, is 12 months from the date of the beginning of the mother׳s entitlement to a maternity allowance. Payment of differentials on the maternity allowance, pregnancy bed rest benefit and adoption benefit Employed women who have received a maternity allowance, pregnancy bed rest benefit or an adoption allowance may be eligible to receive the differences between the benefits she has received, if within 11 months of the date of eligibility for a maternity allowance, adoption allowance or pregnancy bed rest benefit she has received an additional payment from her employer, such as convalescence pay, a clothing benefit or a bonus which exceeds one quarter of her regular monthly salary, or if she has received salary differences for a period prior to the maternity leave.Afather who takes paternity leave is also entitled to payment of the differentials on the benefit. To check eligibility for the differentials, the mother must submit a claim for payment of differentials to the Maternity Department at the local NII branch closest to her place of residence, along with a salary slip showing the additional payment that was made. The claim must be submitted within 12 months from the first date of entitlement to a maternity allowance.
6 Children insurance The National Insurance Institute pays a child allowance to every Israeli resident for every one of his children until they reach the age of 18. Child allowance The monthly child allowance is paid on the 20th of each month, into the bank account of the mother or into the joint bank account of the mother and her spouse. The allowance is paid according to the number of children in the family. Who is entitled to a child allowance? • An insured Israeli resident (and a person living in Israel under special conditions) who has one or more children; • A child who immigrated to Israel without his parents; • Aperson who is caring for a child that is not his own child, provided that he was appointed as legalguardianorastherecipientoftheallowance. Conditionsofentitlementtothechildallowance The allowance is paid for children under the age of 18, who are present in Israel. For a child staying overseas the allowance will be paid for the first 3 months of the overseas stay. After 3 months the allowance is paid in the following cases: one of the parents was sent overseas by an Israeli employer or is on sabbatical or working for an Israeli employer overseas, the family is staying overseas as a result of medical treatment that cannot be received in Israel given to one of the family members.
A person who is caring for a child that is not his own child receives the allowance, provided that he was appointed as guardian or as the recipient of the allowance, and provided that he has supported the child for at least the last 12 months. The period of entitlement If a child is born in, or immigrates to, Israel before the 15th of the month, the allowance is paid for that month and thereafter. If a child is born in, or immigrates to, Israel on the 16th of the month or later, the allowance is paid as of the first of the following month. Entitlement to the allowance concludes at the end of the month in which the child reaches the age of 18.
Claim for a child allowance Upon the first birth, the claim will be filed through the hospital the child was born in. For that purpose, the mother must bring both her own ID card and her spouse׳s ID card to the hospital, along with the number of her bank account. In all subsequent births, the information is automatically delivered from the hospital. In births occurring outside a hospital or in cases of a returning resident with children, a claim must be filed for a child allowance. IftheInsuredorallowancerecipienthasoutstanding payments to the National Insurance Institute, the National Insurance Institute is permitted to deduct the amount owed from the allowance until the debt is paid in full.
Child allowance amounts as of January 2014 (NIS): • For children born up to May 31, 2003: Child’s place in family Amount of allowance (NIS) First 140 Second 140 Third 172 Fourth 336 Fifth and thereafter 354 • For children born on June 1st, 2003 and onwards, a NIS 140 benefit per child is paid. • Beneficiaries of income support benefit, alimony, child support, old-age pension with income supplement, survivors pension with income supplement For the third and fourth child, an additional NIS 98 for every child is paid.
To find out the amount of child allowance you may use the calculator on the National Insurance Institute website. Late submission of claim If you have not filed the claim for child allowance on time, the National Insurance Institute may approve your claim for a year retroactive to the day the claim was filed on. If the child was born after July 1, 2003, and was not registered in the Population Registry within 30 days of the date of the birth, the allowance will be paid retroactively for up to 3 months only.
Study grant Paid by the National Insurance Institute once a year inAugust, for the types of families listed below who receive a child allowance. The grant is paid for every child aged 6-14. Eligible for the study grant are: families in which a parent is divorced, a widow/er or single, receives an income support benefit separately from his/her spouse and, in certain conditions, a parent who is living apart from his/her spouse, an aguna (a married woman whose husband׳s whereabouts are unknown) and a woman living in a shelter for battered women.
Also eligible for the study grant are families with 4 or more children, provided that one of the parents receives one of the following benefits from the National Insurance Institute in the month of July or August of every school year: income support benefit, alimony, general disability pension, old age or survivors pension. Also eligible to receive the studygrantareorphanedorabandonedchildrenwho are receiving an income support benefit, children orphaned of both parents, new immigrants who immigrated without their parents as well as new immigrants who came to the country over a year ago but less than two years ago, and their partner did not immigrate and is not staying in the country. Amount of the grant as of August 2013: Forachild6-11yearsofage(grades1-5):NIS 1,528. Forachild11-14yearsofage(grades6-8):NIS 849. More information on the grant and claims form NI/5015 can be found on the National Insurance Institute website.
Your rights at the National Insurance Institute 7 Reserve Duty benefits The National Insurance Institute pays reserve duty benefit to any person called for reserve duty by the National Service Law, as well as those called for training by the Work Service in time of Emergency Law. • Self-employed workers, students, the un- employed and anyone who is not working should claim the benefit from the National Insurance Institute. • Persons receiving unemployment benefits who served in active reservist duty during the periodtheywerereceivingunemploymentbenefits receive their compensation automatically and do not need to file a claim.
Filing an online personal claim on the website Reservists on active duty who are registered with the National Insurance Institute as self-employed, not working, students and yeshiva students may file for reserve duty benefit via the self-service website as well. The service is provided using a code and password, which can be requested through the website or at a local NII branch. Call center for reservist-duty related matters: 02-6463010 The National Insurance Institute operates an automatic call center for reservists filing their claims personally, and for employers paying out the compensation for their reservist employees. The call center provides general information on rights and obligations, forms for filing claims, a simulator for calculating compensation, and more. AnyonecalledupforreservedutyundertheDefense Service Law or anyone called up for training under the Emergency Labor Service Law is entitled to the reserve duty benefit.
To obtain this benefit, IDF certification of the days of service must be submitted on form number 3010. Reserve duty benefit • For a salaried employee and a self-employed worker −Abenefit at the rate of income (subject to insurance contributions) in the three months preceding the month of commencement of reserve duty, with the addition of the cost-of- living allowance, divided by 90. In special cases, reservists are entitled to benefit calculation according to other salary months. The benefit may not be less than the minimum and not exceed the maximum (see below). • Maximum benefit for a salaried employee and a self-employed worker: as of January 2014 – NIS 1,441.33 per day, NIS 43,240 per month.
• Minimum benefit for a salaried employee and a self-employed worker: as of January 2014 − NIS 196.02 per day, NIS 5,881 per month. Claim for reserve duty benefit Aclaimforareservedutybenefitshouldbesubmitted at the end of the service, at one of the local NII branches convenient to the claimant, along with IDF certification − form no. 3010. The claim form can be downloaded from the National Insurance Institute website and sent in by mail or fax. • Salaried employees who earn a monthly wage, as well as salaried employees who do not receive a monthly wage, who worked during the three months that proceeded the reserve duty service at least 75 days, for one employer or in one place of employment, must claim the benefit from their employers.
8 Grants to discharged soldiers who perform work that is vital to the State economy Grant to discharged soldiers performing vital work Grant for “vital work” and grant for ״priority work״ Under the National Insurance Law a one-time grant is paid to soldiers discharged from compulsory military service, or for those completing National Service of 24 months, who have worked at a job defined by law as a job in demand: at industrial factories and workshops, at construction sites, at gas stations, at hotels, at agricultural sites and packaging houses, as well as in caring and assisting disabled people – except for office jobs in these fields.
Discharged soldiers, members of kibbutzim or cooperative moshavim who worked in vital jobs, in or outside a kibbutz or cooperative moshav, are also entitled to the grant. Who is entitled to the grant? The grant is paid to those who meet the following conditions: • Apersonwhoworkedforatleast6fullmonths(not necessarily consecutive) within the 24 months from the date of discharge from compulsory service.Thejobmustbefulltime,ascustomaryat that work place.in accordance with the common practices of the field in which they are employed. In the agricultural field it is possible to work at least 4 full months, and receive a partial grant. • Start of the work − within 12 months from the date of discharge (or during the second year, if the discharged soldier was entitled to an unemployment benefit on the date of commencement work).
Benefit rates The full grant amount as of December 2013 – NIS 9,550. The partial agricultural grant amount – NIS 6,367. For those who received an unemployment benefit during the 11 months that preceded the start of the vital work, the unemployment benefit that was received is deducted from the amount of the grant that is due. Incertaincases,asoldierisentitledtoapartialgrant. Submitting the claim for the grant TheclaimforthegrantmustbefiledwiththeNational Insurance Institute after at least 6 full months of employment, and no later than 42 months from the date of discharge from compulsory military service. Certification of the place of work, the type of work and the period worked must be attached, noting the number of workdays in each month. The claim form NI/1521 can be downloaded from the National Insurance Institute website and sent in by mail or fax.
Your rights at the National Insurance Institute 9 Unemployment Insurance Unemployment insurance is designed to provide those who are out of work not by choice with a replacement for their salaries, for a limited period of time, to enable them to seek suitable employment. Unemployment benefits Who is insured for unemployment benefits? An Israeli resident or temporary resident, aged 18 to 67 who worked as a salaried employee or a soldier discharged from compulsory army service in the first year after being discharged. Unemployment benefits are paid to an unemployed person age 45 or older, or age 35 or older who has at least 3 dependents* for a maximum of 175 days; to an unemployed person age 35 or older, or under age 35 who has 3 dependents − for a maximum of 138 days; to an unemployed person from age 28 to age 35, who does not have 3 dependents − for a maximum of 100 days; to an unemployed person from age 25 to age 28, who does not have 3 dependents − for a maximum of 67 days; to an unemployed person under the age of 25 who does not have 3 dependents − for a maximum of 50 days; to a discharged soldier or a young woman who completed National Service − for a maximum of 70 days. *Apartnerwhodoesnotworkandachildunder18yearsold Conditions of entitlement to unemployment benefits 1. Age – least 20 years old and not yet 67, and in certain conditions also those aged 18-20. 2. Completionofa“qualifyingperiod"(insurance period) for those unemployed since April 1st, 2013*) • 12 months for which insurance contributions were paid, out of the 18 months that preceded the start of the unemployment.
• Discharged soldiers and those who completed 24 months of National Service need to accrue a qualification period any unemployed person, as detailed above. However, in totaling the number of qualifying months, up to 6 months of compulsory military service or National Service are taken into account. If they were referred to vocational training by the Employment Service, they are exempt from accruing a qualifying period in the first year after the discharge or volunteering. 3. You are unemployed −You are registered with the Employment Service Bureau, are prepared and able to work in your profession or in any othersuitable work,and the EmploymentService Bureau has not offered you work, as stated. * information on the qualifying period prior toApril 1st, 2013 can be found at the National Insurance Institute website. Unemployment benefit rates The daily unemployment benefit is calculated as a percentage of one’s average daily wage in the 6 months prior to the 1st of the month in which the unemployment period commenced.
The daily sum of unemployment benefits for the first five months may not exceed the average daily salary in the economy (as of January 2014 – NIS 363.56 a day), and from the sixth month may not exceed 2/3 of the average daily salary in the economy (as of January 2014 – NIS 242.37 a day). Unemploymentbenefitsfordischargedsoldiersmay not be lower than the amount mandated by law for soldiers – NIS 103.80 a day as of January 2014. For the first 5 days of unemployment in each 4 consecutive months, no unemployment benefit is paid.
Unemployment benefits and grants for the unemployedwhoarereferredtoalow-payingjob An unemployed person who the Employment Service has referred to a job with lower wages than the unemployment benefits they are entitled to will be eligible for a grant amounting to the difference between the unemployment benefits they would have received and half the wages at the low wage job, provided they have worked at this job for at least 25 days at 50% position at least. The grant is paid for no more than 100 working days. Unemployment benefits for participants in vocational training Apersoneligibleforunemploymentbenefitswhothe Employment Service has referred to a vocational training course and has begun their studies will still eligible to receive unemployment benefits for the days needed to complete the maximum unemployment period they are entitled to. The unemployment benefit is 70% of the unemployment benefit to which he would have been entitled had he been unemployed and not taking the course. Despite the aforementioned: 1. A person undergoing vocational training who is younger than 35 years old and has less than 12 years of education will be entitled to unemployment benefits during his studies, including for periods longer than the maximum unemployment days they are eligible for, but no more than 138 days.
2. Two types of training have been set for which full unemployment benefits will be paid. Information on this training can be found on the National Insurance Institute website. A person who voluntarily terminates his employment, without justification, will begin to receive the unemployment benefit only 90 days after quitting the job. Aperson to who refuses a suitable job offer will begin to receive unemployment benefits only 90 days after the date of the refusal, and 30 days will be deducted from the maximal number of days due to him each time that he refuses to accept a job.
Filing a claim for unemployment benefits To receive unemployment benefits for the first time you must file a claim with your local NII branch. Claim form NI/1500 can be downloaded from the National Insurance Institute website and then mailed or faxed. Repeat claim for unemployment benefits canbefiledonly12monthsafterthecommencement of the previous eligibility period. Unemployed persons who have not yet turned 40 and are filing more than one claim for unemployment within 4 years will receive benefits for all their unemployment claims for a maximum period of 180% of the maximum number days (as detailed at the beginning of the chapter). Total unemployment benefit amounts during the additional period may not exceed 85% of the maximum unemployment benefit amount.
10 A salaried employee whose employer has filed for bankruptcy or an employee of a company that was dissolved is entitled to payment of the salary and severance pay owed by the employer. A volunteer who was injured during and as a result of volunteering activities, including injury on the way to or from the place of volunteering, as well as the dependents of a volunteer who passed away as a result of an injury under these circumstances, may receive benefits as described in the “Work Injury Insurance” chapter and according to the conditions of entitlement described there.
Employees׳ Rights Following Bankruptcy and Corporate Dissolution Volunteers׳ Rights Those entitled to the benefit • An employee whose employer has filed for bankruptcy or an employee whose employer is subject to a dissolution order (if the employer is a corporation); • The employee׳s survivors who are entitled to severance pay under Section 5 of the Severance Pay Law; • Aprovident fund, if the employer is in debt to the provident fund in which the worker is insured. Those not entitled to the benefit • Aself-employedworkerorcontrollingshareholder in a company who holds the majority of the company׳sshares,whodidnothaveanemployer- employee relationship with the company. • Controlling shareholders in a close corporation and foreign workers and workers from the Territories who are staying in Israel illegally. Conditions of entitlement • The court has issued a declaration of bankruptcy orderoranordertodissolveacompany,todissolve a partnership, or to dissolve a cooperative. • The details of the employee׳s claim have been approved by the trustee of the bankrupt entity or the company׳s liquidator.
The Benefits For the worker Anywagesandseverancepayowedtotheemployee by the employer on the date on which employment was halted, up to the maximum amount designated by the National Insurance Law. Anyone whose employer has been issued a dissolution or bankruptcy injunction before July 31st, 2009, the maximum amount to be paid is NIS 86,480 (as of January 2014); anyone whose employer was issued the injunction onAugust 1st, 2009 or later, the maximum amount to be paid is NIS 112,424 (as of January 2014). For survivors Any wages they are entitled to according to section 7 of the Wages Protection Law, and any severance pay they are entitled to according to section 5 of the Severance Pay Law, up to the maximum defined in the National Insurance Law.
For provident funds Payments not transferred, from the employee’s or employer’s funds, or both, up to the maximum defined in the National Insurance Law (as of January 2014 – NIS 17,296). For a member of a cooperative Anyone who was a member of a cooperative moshav or kibbutz for at least 7 years – up to the maximum defined by law (as of January 2014 – NIS 69,184). Claims forms for the various benefits can be downloaded from the National Insurance Institute website and then sent via mail or fax. Amount of the payment Total compensation for a volunteer is equal to the amountspaidforworkinjured.However,avolunteer who had not worked prior to volunteering, or whose income was low receives compensation totaling NIS 109.47 a day.
How to submit the claim Claims must be filed at the local NII branch within 12 months of the date of injury. Claims forms can be obtained at any National Insurance Institute branch or downloaded from the National Insurance Institute website and then sent by mail or fax. A ״volunteer״ Is a person who volunteers for the benefit of others without pay, who was referred by a qualified public institution, whose activities are performed for national or public benefit; a person who performs security obligations as mandated by law, without pay and outside the framework of IDF service; a person who provides assistance to others as obligated by law or performs an act to save the lives or property of others; a person who performs community work or service under the Penal Law; a volunteer at Magen DavidAdom, or a first aid organization, or an organization for the prevention of bodily injury or property damage, or an organization for the care of the sick or people who cannot care for themselves, or a burial organization, provided that the organization is approved by the Minister of Welfare ; volunteer fire fighters; a person performing civil service as defined in the law that defers military service for yeshiva students.
Your rights at the National Insurance Institute 11 Benefits for Victims of Hostilities The Benefits for Victims of Hostilities Law of 1970 provides victims of hostilities and their families with rights to benefits, rehabilitation and grants. Monthly disability benefit Paid to a person disabled by a hostile action injury, for whom a disability of 20% or more has been established. The rate of the benefit is determined by the degree of disability. A person with a 100% disability receives a benefit at the rate of 118% of the salary of a grade 17 civil servant, according to the administrative ranking. The benefit for a person disabled by a hostile action is equal to the benefit paid to a disabled IDF veteran under the Disabled Persons (Benefits and Rehabilitation) Law. A person for whom a permanent 10%-19% degree of disability was established is paid a lump-sum grant.
Claimingfordeterminingthedegreeofdisability and for payment of a monthly disability benefit File with the National Insurance Institute on form NI/581, within 12 months of the date on which the victim received compensation for medical care. The claim form can be downloaded from the National Insurance Institute website and then sent in by mail or fax. Special benefits Increased benefits are paid to the “Needy Disabled” and “Income-less Disabled”. Adisabled person who took early retirement from work and is no longer fit to work, and is over 50 years old and whose disability level is 35% and up, is eligible, under certain conditions, for a special increment.
Pensions for families of fatalities Monthly dependents׳ pensions Paid to widows, bereaved parents and orphans of a person who died as a result of hostile action. The benefit is equivalent to the benefit paid under the Families of Soldiers Killed in Action Law. Claimforbenefitforfamiliesofdeceasedvictims File form NI/582 at the deceased’s local NII branch within 12 months of the date of passing. The claims form can be downloaded from the National Insurance Institute website and then sent in by mail or fax.
Non-cash benefits and special benefits Treatment, hospitalization, recuperation, medical equipment, vocational rehabilitation and special benefits, such as loans and grants for housing, assistance in purchasing a vehicle and its monthly maintenance, payment for personal services, etc. Vocational rehabilitation and special benefits are provided also to widows, orphans and bereaved parents. For receiving benefits, contact the Rehabilitation Department at your local NII branch. Vocational rehabilitation A victim of an hostility action for which at least a 20% disability level has been determined, as well as widows and orphans of fatalities of hostility actions, may be entitled to vocational rehabilitation from the National Insurance Institute. For additional information see the “Vocational Rehabilitation” chapter.
Who is entitled to benefits for victims of hostilities? AresidentofIsraelwhowasinjuredduring hostilities in Israel or abroad; an Israeli citizen or a person who entered Israel legally and was injured by an act of hostility in Israel; a foreign resident who was injured by an act of hostility abroad during and as a result of his/her employment by an Israeli employer (approved for this matter). ״Hostile action injury – an injury due to an act of hostility by enemy forces, or an accidental injury by a person due to hostile action by enemy forces or under circumstances in which there was reasonable fear of hostile action, an injury caused by a weapon that was intended for hostile action or against it, and an injury caused by an act of violence whose main objective was to injure people because they belong to a national-ethnic group, provided that it stems from the Israeli-Arab conflict and was committed by a terrorist organization – all contingent upon confirmation by the authority appointed by the Ministry of Defense that the injury is a hostile action injury.
Benefits for Victims of Hostilities Benefits during medical treatment A victim of a hostile action who is not capable of working due to medical treatment is eligible for a special benefit during the period of medical treatment, if he/she does not receive salary or compensation for this period. Filingaclaimfortherecognitionofahostileinjury and receiving medical treatment compensation must be filed on form NI/580 at the local NII branch within12monthsofthedateofinjury.Theclaimform can be downloaded from the National Insurance Institute website and then mailed or faxed.
12 Work Injury Insurance Work Injury insurance is designed to compensate the insured for loss of income due to a work injury, and to help him to get back into the job market with the help of vocational rehabilitation. Who is insured? Asalariedemployee;aself-employedworker;aperson undergoing vocational rehabilitation or vocational training; a person being examined according to the Apprenticeship Law or the Employment Service Law (only during the examination); a working prisoner; a foreign resident employed in Israel by an Israeli employer; a resident of Israel abroad, undercertainconditions;andapersonwhosesalary is determined by law (Member of Knesset, etc.). Who is entitled to a work injury benefit? An insured who is injured at work (by a work injury or an occupational disease), and dependents of an insured who died as a result of a work injury (widow/er, orphans, parents and other family members under special circumstances). A work accident is an accident that occurs during and due to work, including an accident en route to and from work, and an accident in the circumstances specified in the law. An occupational disease is a disease that an insured contracted due to his work, which appears on the list of occupational diseases specified in the law.
A self-employed worker who owes insurance contributions will be denied the right to a benefit, or a reduced benefit will be paid to him (according to the amount of the debt and duration of the arrears). Work Injury Benefits Medical treatment Therapy, recuperation and medical rehabilitation through the health funds. Injury allowance Payment for absence from work, for a period of up to 91 days from the day after the date of injury. Injury allowances are paid to those injured at work or afflicted with an occupation disease and as a result cannot perform their job or any other suitable job and was not working at the time, and requires medical treatment.
No injury allowance is paid for the day of the injury; however, the salary for that day is paid by the employer. No injury allowance is paid for the two days after the day of the injury, unless the injured person is unable to work for 12 or more days. Aninjuryallowanceforthefirst12daysofentitlement is not paid to self-employed workers. Salaried employees are paid the full injury allowance and employers, except for employers of household cleaning workers, are required to reimburse the National Insurance Institute for the first 12 days, Amount of the payment per day 75%ofwages(whichisowedinsurancecontributions) during the three months prior to the injury divided by 90, and up to the maximum daily allowance (as of January 2014 – NIS 1,094.63). Claim for payment of injury allowance and notification of a work injury Must be filed within 12 months of the day of injury, using form NI/211, with the local NII branch, along with a first-aid document on the injury, which is given at the health fund or hospital. The claim form can be downloaded from the National Insurance Institute website and then sent in by mail or fax.
Work disability benefits Work disability pension Anyone with a temporary work disability level of at least 9% or with a permanent work disability level of at least 20% – receives pension according to the medical disability level pro-rated to wages earned over the three months prior to the injury (as of January 2014 the maximum monthly benefit is NIS 32,839 for the employed and self-employed). Low-income recipients of a work disability benefit receive an income supplement as well. Claiming work disability pension Must be filed as soon as possible on form NI/200, with the local NII branch. The claims form can be downloaded from the National Insurance Institute website and sent in by mail or fax. Insured persons who file a claim for work-related disability pensions will be summoned to a medical board. The committee determines whether or not the disability is the result of a work injury as well as the degree of the disability.
Work disability grant Those with a permanent work disability of at least 9%, but lower than 20% receive a one-time grant derived by multiplying the monthly benefit by 43. If the claim is submitted more than 12 months late, a reduced grant is paid in proportion to the lateness of the submission. Special pension Paid to anyone disabled who requires assistance in performing basic activities, and who have a permanentdisabilitylevelofatleast75%;oranyone with a permanent disability level of 65-74%, with difficulties walking – for assisting with personal care and covering special expenses resulting from the recognized disability. To receive the pension, a claim must be filed with the Rehabilitation Department on form NI/266, which can be downloaded from the website and then mailed or faxed.The process of claim approval includes an examination of level of dependence, performed by a nurse at the claimant’s home, as well as confirmation from an organizational doctor. The amount of the special pension is determined according to the assistance required, according to 4 levels of assistance.
The maximum total benefit as of January 2014 – NIS 8,210.
Your rights at the National Insurance Institute 13 Special grant Paid to anyone with a disability degree of 75% and up, as well as for anyone disabled with difficulties walking as a result of their recognized disability and their disability level is between 65-74% – for one-time arrangements as a result of the disability: adapting the residence, purchases of aid devices, and purchase of a vehicle for aiding in mobility difficulties. To receive the grant a claim must be filed with the Rehabilitation Department on form NI/282, which can be downloaded from the website and then mailed or faxed.
Income supplement A person receiving a work disability benefit or a dependents׳ pension whose income is low and who meets the criteria of the means test, is entitled to an income supplement. The income supplement is paid as of the month in which the claim is submitted, and as long as the pension recipient is entitled to it (if the supplement is paid unlawfully, the National Insurance Institute is entitled to deduct it from benefits that it pays out). A separate claim must be submitted to the Income Support Department.
Needy disabled Anyone who has been designated as temporarily disabled, and is unable to return to work at any position and has no employment income may file a claim to be recognized as “Needy Disabled”. “Needy Disabled” receive benefits equal to 100% for the period defined. File the claim on form NI/279, which can be download from the website and then mailed or faxed. Vocational rehabilitation for those injured at work Assistance in analysis, professional guidance and acclimation at work, payment of a rehabilitation allowance during studies (paying the difference between a work-related disability pension), as well as covering studies-related expenses such as transportation, tuition and learning devices. Conditions of entitlement to vocational rehabilitation Vocational rehabilitation is provided to disabled people for whom a permanent disability of at least 10% has been established and who, due to the work injury, are not able to work at their jobs nor at other suitable work, and they require − and are suitable for − vocational rehabilitation. Claim for vocational rehabilitation Must be filed on form NI/270 with the Rehabilitation Department at the local NII branch. The claim must be filed within one year of the date on which the permanently disabled designation was determined. The claims form can be downloaded from the National Insurance Institute website and then mailed or faxed.
Benefits for family members of work fatalities Paid to the widow/er of a person who died due to a work injury Dependents Pensions A pension equal to between 40-100% of the full benefits the insured was entitled to, had they been disabled at a 100% level – according to the number of children. An income supplement is paid to low-income recipients of a dependents׳ pension. Those entitled to a dependents pension are a widow who has a child or who has reached the age of 40, or is unable to support herself, and a widower who has a child or who has reached the age of 40 and is unable to support himself (whose gross income is less than NIS 5,181 per month). Claiming dependent's pension Mustbefiledwithin12monthsofthedateofpassing, on form NI/213. The form can be downloaded from the National Insurance Institute website and then mailed or faxed.
Dependents׳ grant A lump-sum grant totaling 36 months of pension payments.A person who is entitled to the grant is not entitled to a pension. Those entitled to the dependents’grant are a widow under the age of 40 who does not have a child and is able to support herself, and a widower under the age of 40 who does not have a child and is not able to support himself (whose gross income is less than NIS 5,181 per month). Marriage grant For widows or widowers who marry – a grant equaling 36 monthly benefits is paid. The grant is paid in two installments: one after the date of the marriage, and the second two years from the date of marriage (eligibility for dependent's pension expires).
Vocational rehabilitation for a widow or widower receiving a dependents pension Assistancewithanalysisandprofessionalguidance, payment of studies-related expenses and payment of maintenance allowance during studies – for anyone recognized as a widow/er of a person who has passed away as a result of a work injury, and they are not skilled in any profession or do not provide for themselves by a profession or that require a career change as a result of being widowed, and meet the criteria for vocational rehabilitation.
Claims for vocational rehabilitation must be filed on form NI/270 with the Rehabilitation Department at the local NII branch. The claims form can be downloaded from the National Insurance Institute website and then mailed or faxed. Maintenance allowance for orphans Are paid to children who spend the majority of their timeinhigh-schoolorinvocationaltraining,according to the parent’s income test. The maintenance allowance as of January 2014 – NIS 788 a month. Bar Mitzvah grant This grant is paid to a boy-orphan who reaches the age of 13 and a girl-orphan who reaches the age of 12.
Grant amount as of January 2014 is NIS 5,838. Death grant Deceased persons who were receiving a work- related disability pension who have reached retirement age, or who had a disability level of 50% and over, or deceased persons receiving a dependent’s pension – his partner, and if they have no partner, his child (as defined by law), will receive a one time grant. Grant amount as of January 2014 – NIS 8,757. Under certain conditions, the survivors of the recipient of a work disability benefit receive a lump-sum grant totaling 60% of the deceased׳s disability benefit multiplied by 36, instead of the grant specified above.
14 In the framework of General Disability Insurance, a monthly pension is paid to a disabled person whose earning capacity has been reduced. Benefits are also paid to a disabled child and an attendance allowance is paid to the severely disabled.Vocational guidance is also provided. Disability Insurance Submitting a claim for a disability pension Claims for a disability pension (form NI/7801) can be filed at the claimant’s local NII branch, or sent by mail or fax. The claim form can be obtained at any branch or downloaded from the National Insurance Institute website.All the required documents must be attached to the claim form.
The claim for the pension must be submitted by the applicant himself. If he is unable to submit the claimhimselfduetohisphysicalormentalcondition, a family member or another person representing him may submit the claim on his behalf. A claim for a pension should be submitted within 12 months of the date on which the grounds for the claim arose. Submission of the claim after that time is liable to adversely affect the right to the pension. A person whose claim for a disability pension is rejected and a person who is receiving a partial disability pension is entitled to submit an appeal from the decision, and is entitled to submit a request for re-examination, subject to the conditions in the law and in the regulations.
Exemption from payment of insurance contributions • The recipient of a disability pension who has no other income is exempt from payment of insurance contributions for the time that he is entitled to the pension. • The recipient of a disability pension for whom a degree of earning incapacity of at least 100% was established permanently or for a period of at least one year is exempt from payment of insurance contributions for the time that he is entitled to the pension, even if he has other income. However, if they are self-employed, they will pay insurance contributions to the Work Injury branch; and if they are employed, their employer will pay insurance contributions on their behalf to the Work Injury branch and the Workers Rights during Bankruptcy and Dissolution of Corporation branch. Disability pension Who is entitled to a disability pension? “Disabled” – An Israeli resident who is not a housewife, from the age of 18 until retirement age (see the chapter on Old Age), who as a result of physical, cerebral or mental deficiency, from birth or as a result of accident, is unable to provide for himself, and earns no more than 60% of the average wage (as of January 2014 – NIS 5,453) – to anyone with severe deficiencies or extended eligibility period for the benefits, or who earns no more than 45% of the average wage (as of January 2014 – NIS 4,090) – to all the rest. It pays to go to work You can work and still receive benefits. Its true that your benefits will be reduced by small amounts, but your total income from both work and benefits will always exceed the amount from a benefit alone.
YoucanfindacalculatorontheNationalInsurance Institute website to help you calculate how much you may earn and still receive benefits. Aperson who was a ״working minor״ immediately before suffering the incapacity to earn is also deemed to be ״disabled״. A housewife is also deemed ״disabled״ if she was a salaried employee or self-employed for 12 consecutivemonths(or24non-consecutivemonths) during the 48 months that preceded submission of the claim for a disability pension, or which preceded termination of her work, for a person who stopped working after submission of the claim; and if she is living apart from her spouse and did not live with him in the 24 months that preceded submission of the claim for a disability pension or thereafter; and if she married after March 1, 2005 and received a pension as an ״earner״ before her marriage. ״Disabled housewife״ –Aresident of Israel from the age of 18 to retirement age (see the section on OldAge), who is married and unemployed whose husband is covered for Old Age and Survivors Insurance and, due to an impairment, she does not have the capacity to perform regular housekeeping tasks, or her capacity to perform housekeeping tasks was reduced by more than 50% due to the impairment.
Conditions of entitlement to a disability pension 1. Medical disability – Medical disability is weighted at a rate of at least 60%, or 40% if the insured has several deficiencies and for a certain deficiency has been designated as at least 25% medically disabled. (for a disabled housewife – at least 50%). 2. Loss of ability to earn or function in the household – at a rate of at least 50%. Start of entitlement – 90 days after the date of commencement of the incapacity to earn (or to perform housekeeping tasks), and if sick pay is received at the end of those 90 days − after payment of the sick leave is terminated (for a new immigrant; entitlement begins only one year after becoming a new immigrant).
Pension rates as of January 2014: NIS 2,342 for a single person whose incapacity level is 100% (hereinafter: a full individual pension), and relative to the level of inability for those with inability levels of 60%-74%, or according to income. Recipients of a disability pension for whom a degree of earning incapacity of at least 75% and a medical disability of at least 50% was established, who are not living in an institution, receive a pension increment of NIS 252-372 according to the percentage of their medical disability. Dependents Increment – For a partner whose income does not exceed 57% of the average salary (NIS 5,181 as of January 2014) – 50% of the benefit paid to the disabled (housewives are not eligible for an increase for their partner); for a child (for each of the first two children) – 40% of the monthly benefit paid to the disabled or to the disabled housewife. A dependents׳ increment is contingent upon an income test.
Your rights at the National Insurance Institute 15 Vocational rehabilitation Assistance in vocational assessment and guidance for an insured for whom a medical disability of at least 20% has been established and, due to an impairment, is not capable of performing his work or other suitable work, if he requires and is suitable for vocational rehabilitation; payment of a rehabilitation allowance during the vocational studies (for a person who is not receiving a disability pension or for a person receiving a partial disability pension); and payment of expenses for tuition, equipment and travel to and from the location of the course. To check eligibility for rehabilitation, visit the Rehabilitation Department at the local NII branch. Attendance allowance The allowance is paid to anyone dependent on others for basic activities (mobility in the home, dressing, washing, eating, personal hygiene) or that requires supervision to prevent risks to their own lives or the lives of others.
Also, under certain conditions the allowance is paid to those being treated with dialysis or chemotherapy, anyone who has undergone an organ transplant, blind people living on their own or blind people who are also deaf. The allowance amount is between NIS 1,401 a month to NIS 4,761 a month (as of January 2014), based on the level of dependence on others. Conditions of entitlement to an attendance allowance • The recipient is not hospitalized in an institution. • The recipient is living in Israel. Under certain conditions, the allowance is also paid for a limited time to a disabled person living abroad. • The recipient is receiving a disability pension and a medical disability of at least 60% (for purposes of an attendance allowance) has been established for him.
The recipient is not entitled to a disability pension and a medical disability of at least 75% has been established for him (for an attendance allowance), provided that his income from employment does not exceed the amount specified in the regulations and that he is not receiving payment for individual treatment or assistance in the home under any law. • The recipient is not receiving a mobility benefit – unlessa100%mobilitylimitationwasestablished for him – or he requires and uses a wheelchair, or he is bedridden, or he is a vehicle owner for whom an attendance allowance of at least 100% has been determined.
Submitting a claim for attendance allowance Claimsforattendanceallowance(formNI/7849)can be filed at the claimant’s local NII branch, or sent by mail or fax. The claim form can be obtained at any branch or downloaded from the National Insurance Institute website. The claimant must attach to the form any medical and other documents connected with the claim and cooperate in determining his entitlement to the allowance. Retroactive payments can be received for a maximum of 6 months preceding submission of the claim. Special benefit for severely disabled immigrants – in the first year after immigration New immigrants who are severely disabled, between the age of 18 and the retirement age (see the chapter on Old Age), are eligible, under certain conditions, for a special benefit, 90 days after immigrating, for up to a year after immigrating. Thebenefitiscomprisedofanattendanceallowance, whichispaidstartingonthe91stdayofimmigration, and of a disability pension which is paid starting on the 181 st day of immigration. Details at local NII branches.
Death grant Alump-sum grant automatically paid to the partner, and when there is no partner – to the child (as defined by law), of any beneficiaries of a disability pension who have passed away. Grant amount as of January 2014 – NIS 8,757. Benefit for disabled child Benefits totaling 50%-128% of the full individual disability pension (full individual disability pension amount – NIS 2,189 as of January 2014).Anyone receiving a benefit for disabled child who has been approved for the maximum benefit according to the deficiencies, will receive an increase to the benefit totaling NIS 372. A family that has two or more disabled children is entitled to an increased benefit for each one of the children. Who is entitled to a benefit for disabled child? • A child below the age 3 who is suffering from a severe developmental delay (from 91 days of age); • Achild from 3 to 18 years of age who is far more dependent on the help of others than other children his age to perform routine functions (mobility within the home, dressing, washing, eating, personal hygiene); • A child up to 18 years of age who requires constant supervision to prevent danger to his life or to the lives of others (from 91 days of age). • A child up to 18 years of age with one of the following disabilities: Down׳s syndrome (from birth); diminished hearing of at least 40 decibels in each ear without correction (from birth); diminished vision in each eye of less than 60/6 or field of vision and each eye of less than 20º, with correction (from 91 days of age); autism, psychosis or a similar psychiatric – behavioral condition(from91daysofage)requiredassistance with communication (age 3); • A child up to 18 years of age who requires special medical treatment as specified in the regulations (from 91 days of age). Conditions of entitlement to the benefit The child is living in Israel (and, under certain conditions, even if he is not living in Israel); the child is not living in an institution or with a foster family;thechildisnotreceivingamobilityallowance, except for a child who has been classified as being 80% mobility disabled, or requires and uses a wheelchair, or the parents have another disabled child.
A child living in an institution is entitled to the benefit if his parents are paying all the expenses of maintaining him there. How to submit the claim The claim for the benefit must be submitted by the parent with whom the child is living. If the child is not living with his parents, the child׳s guardian or the person who is actually caring for him must submit the claim. The claim should be submitted at the local NII branch closest to the child׳s place of residence on the appropriate NI/7821, which can be obtained at the local branch or downloaded from the National Insurance Institute website. Medical documents must be attached to the claim form, as well as certification of the child׳s schooling or ״developmental treatment״ from a qualified entity as specified in the regulations.
Benefits for disabled child are also paid for up to one year retroactively – all according to regulations. Compensation for radiation victims Under the Israel Tinea Capitis Compensation Law, as of January 1, 1995, people (or their survivors) whosehealthwasdamagedasaresultofirradiation against ringworm, which was performed from January 1, 1946 to December 31, 1960, by an entity specified in the law, are entitled to payment. Avictimisdefinedassomeonewhosuffersfromone of the diseases specified in the law, such as cancer in the area of the head and neck, leukemia, etc. The claim for payment should be submitted to the local health bureau near the place of residence. The Ministry of Health determines entitlement to payment and notifies the claimant if his application has been approved or rejected. Payment is made by the National Insurance Institute. Compensation for blood transfusion victims Under the Compensation for Blood Transfusion Victims (AIDS) Law, those who are carriers of the AIDS virus as a result of a blood transfusion or blood products that they received from a public health service from December 31, 1981 to January 1, 1987 are entitled to compensation. The law applies also to spouses and children if they became carriers of the AIDS virus following contact with the victim.
Entitlement to payment is determined by a committee of experts at the Ministry of Health. Payment is made by the National Insurance Institute. Compensation for polio victims Lump-sum compensation as well as a monthly benefit or a grant are paid to Israeli residents who became afflicted with polio in Israel. Under a 2012 amendment to the legislation, also eligible for compensation is anyone who became afflicted with the disease overseas, and underwent surgery as a result of the illness in Israel before 1970. In such cases the last date to file claims for compensation is February 28th, 2015.
Claims for compensation must be filed on form NI/7870, which can be obtained at any local NII branch or downloaded from the National Insurance Institute website and then mailed or faxed.
16 Mobility benefits provide various benefits for people with leg impairments that limit their mobility, to assist them in integrating in the community and developing an independent lifestyle. Benefits are paid from State Treasury under the Mobility Agreement between the Ministry of Finance and the National Insurance Institute. Mobility Allowance The loan amount is determined according to the limited mobility level, and on whether a person with limited mobility owns a driver’s license or not. Conditions of entitlement to a standing loan 1. A person with limited mobility owns a driver’s license and a limited mobility level has been set at least at 40%.
2. Aperson with limited mobility who does not own a driver’s license and whose limited mobility level has been set at least at 60% and has an “authorized driver” living with them in the same building or a nearby building no more than 1,500 meters directly from the residence of a person with limited mobility, or that live in the nearest building to each other in the same town. “Authorized driver” A family member or caregiver according to the following definitions: 1. A “family member” is considered one of the following: a partner, children and their partners, father and mother – including step-parents and adopting parents, brothers and sisters, grandparents, grandchildren, and that they and a person with limited mobility are living in the same building or a nearby building no more than 1,500 meters directly from the residence of the limited mobility person, or that live in the nearest building to each other in the same town. 2. “Caregiver” is anyone who is not a family member, provided a National Insurance Institute rehabilitation clerk has determined that they nurse a person with limited mobility for most of the hours of the day, and are at their disposal. Likewise, they and a person with limited mobility must reside in the same building or in buildings that are no further from each other than the distance detailed in the definition of a family member.
The loan must be paid back according to the instructions in the Mobility Agreement. Loans from the Loan Foundation Aloan for the purchase of a vehicle and special devices and this in addition to the standing loan for coverage of tax expenses. Who has limited mobility and who is entitled to a mobility allowance? A person with “limited mobility” − a resident of Israel from the age of 3 to retirement age for whom a Health Ministry medical committee has established a percentage of limited mobility due to impairments of his legs, according to a list of defined impairments. Under certain conditions, some people who reach retirement age are entitled to continued payment of the mobility allowance. Mobility allowance Amonthly allowance paid to a person with limited mobility, to assist with mobility expenses. The allowance is updated according to increases in vehicle maintenance rates.
Conditions of entitlement to the allowance for vehicle owners A person with limited mobility is entitled to a mobility allowance as a vehicle owner, if he owns and possesses a vehicle and is entitled to a standing loan. Those entitled to an allowance increment are an ״earner״ (whoseincomefromemploymentexceeds NIS 2,189 as of January 2014), who travels at least 40 km to and from his workplaces, and who uses his vehicle on a regular basis to travel to work, is entitled to an allowance increment. Conditions of entitlement to the allowance for a person without a vehicle “Limited mobility” persons are eligible for a mobility allowance for non-owners of a vehicle if they are considered“wageearners”(incomefromemployment exceeds NIS 2,189, as of January 2014), are over 18 years old and their limited mobility level has been set at least at 80%, and they do not receive mobility allowance for vehicle owners, and do not receive a general disability pension. Non-vehicle owners who are not wage earners are eligible for a mobility allowance if they receive from the National Insurance Institute an attendance allowance or a benefit for disabled child, or they are hospitalized in an institution, provided they meet the following criteria: A recipient of an attendance allowance is entitled to a mobility allowance for a person without a vehicle if he meets all of the following conditions: 1. He is at least 18 years old. 2. A 100% mobility limitation was established for him, or the medical committee determined that he requires and uses a wheelchair. A recipient of benefit for disabled child is entitled to a mobility allowance for a person without a vehicle if a mobility limitation of at least an 80% was established for him or the medical committee determined that he requires and uses a wheelchair.
A person living in an institution is entitled to a mobility allowance for a person without a vehicle if he meets all of the following conditions: 1. A 100% mobility limitation was established for him (80% for a child) or he requires and uses a wheelchair. 2. He is not receiving an attendance allowance or a disabled child allowance from the National Insurance Institute only because he lives in an institution. 3. He leaves the institution in a motorized vehicle at least six times a month. 4. No public entity is bearing the expenses of his departures from the institution.
Standing loan Aloan given to a person with limited mobility for full or partial coverage of any vehicle taxes enforced by law, in accordance with the vehicle approved for use by a person with limited mobility by the mobility agreement. In cases in which the Committee on Vehicle Size at the Medical Institute for Road Safety determines that the limited mobility person requires a larger vehicle than the one approved for them in the mobility agreement, a standing loan will be given for purchasing a vehicle according to the Institute’s recommendation.
Your rights at the National Insurance Institute 17 The National Insurance Institute may provide a loan from a Loan Foundation for the purchase of a vehicle for a limited mobility person, who is eligible for a private vehicle and who has severe deficiencies and whose employment income is low. Eligibility for the loan is given once and is only for owners of a driver’s license. For anyone purchasing their first vehicle – at a rate of 80% of the value of the new vehicle, before taxes or of the value of the determining vehicle, before taxes – the cheaper of the two. Anyone replacing a vehicle – the entire difference between the price of the new vehicle, before taxes and the determining vehicle, before taxes, and no more than 80% of the new vehicle’s price. In cases in which a person with limited mobility is obligated to pay back a standing loan, they will receive the amount paid back.
Loans from the Loan Foundation can be obtained for any replacement, according to eligibility defined in the Mobility Agreement. Conditions of entitlement: • A medical board or a medical appeals board has determined that the limited mobility person requires and uses a wheelchair. • The Medical Institute for Road Safety has determined that he requires a vehicle for special devices. • The person with limited mobility has signed an obligating document in which he obligated himself to: A. Purchase a vehicle which can be entered while seated in a wheelchair, or which can be driven while sitting in a wheelchair; B. Installinthevehiclealldevicesrecommended by the Medical Institute for Road Safety. Apersonwhoisentitledtoassistancetopurchase the vehicle without taxes (a vehicle for special accessories or a private vehicle) under another law or arrangement, is entitled to choose under which law to obtain it.
Loans for purchasing special devices in a vehicle for special devices A vehicle for special devices is a vehicle which can be entered while sitting on a wheelchair or driven while seated in a wheelchair. Loans for purchasing special devices are given in amounts equal to the lowest of the following: 1. An amount equal to 95% of the total cost of special devices and their installation in the vehicle, including all taxes on purchase and installation; 2. An amount equal to 95% of the total cost of specialdevicesaccordingtoaNationalInsurance Institute price list and their installation, including all taxes on purchase and installation. Conditions of entitlement: A limited mobility person is eligible for a loan for the purchase and installation of special devices if he meets all of the following criteria: • Receives a mobility allowance on the day of installation.
• The medical committee or the medical appeals committee determined that he requires and uses a wheelchair. • The Medical Institute for Road Safety has determined that an appropriate vehicle for him is a vehicle for special devices, and has also determined what the required devices are. The loan is given to owners and non-owners of a driver’s license, and becomes a grant after 5 years, unless the National Insurance Institute has demanded it be paid back earlier. A person who is entitled to receive special accessories or a grant to purchase and install them under another law or arrangement, is entitled to choose under which law to receive the assistance.
Reimbursement of expenses for purchasing and installing accessories in a private vehicle Arefundofexpensesforthepurchaseandinstallation of devices in a private vehicle will be given in an amount equal to the lowest of the following: 1. An amount equal to 95% of the total cost of special devices and their installation in the vehicle, including all taxes on purchase and installation; 2. An amount equal to 95% of the total cost of specialdevicesaccordingtoaNationalInsurance Institute price list and their installation, including all taxes on purchase and installation. Conditions of entitlement: Aperson with limited mobility is eligible for a refund of expenses for the purchase and installation of devices in a private vehicle if he meets all of the following criteria: • Receives a mobility allowance on the day of installation.
• The Medical Institute for Road Safety has determined devices for driving for him. • Has a valid driver’s license. • The determining vehicle for him is a private vehicle. • Has produced, within 6 months of the date of the devices’ installation, a tax invoice and original receipts, which list the devices installed in the vehicle. A person who is entitled to receive special accessories for a private vehicle, or a grant to purchase and install them in the vehicle under another law or arrangement, is entitled to choose under which law to receive the assistance. Loan for the purchase and installation of a wheelchair carrier Awheelchaircarrierisadeviceorapplianceinstalled in the vehicle, intended for lifting a wheelchair to the vehicle’s roof or trunk.
Loans for the purchase of a wheelchair carrier are given in an amount equal to the lowest of the following: 1. An amount equal to 95% of the total cost of the lift device and its installation, including all taxes on purchase and installation; 2. An amount equal to 95% of the total cost of a representative wheelchair carrier and its installation, including all taxes on purchase and installation. The amount of the representative wheelchair carrier changes from time to time. Conditions of entitlement: A person with limited mobility is eligible for a purchase of a wheelchair carrier if he meets all of the following criteria: • Receives a mobility allowance on the day of installation.
• The medical committee or the medical appeals committee determined that he requires and uses a wheelchair. • He owns and has in his possession a vehicle suitable for the installation of a wheelchair carrier and has purchased a wheelchair carrier that fits his needs and can be installed in the vehicle. Loans for the purchase of a wheelchair carrier are given once every five years, if a person with limited mobility continues to meet the criteria. Aperson who is entitled to a wheelchair carrier or to a grant to purchase or install the mechanism under another law or arrangement, is entitled to chooseunderwhichlawtoreceivetheassistance. Reimbursement of travel expenses Anyone called before a medical board or for any other examination under the MobilityAgreement, and as a result of his medical condition and place of residence cannot travel by public transportation is entitled, under certain circumstances, to a refund of expenses paid for transportation, if he is not eligible for a mobility allowance in the month in which these examinations took place. Learning to drive a van The National Insurance Institute operates a driving education program for a person with limited mobility who requires and uses a wheelchair.
Lessons are conducted in vehicles in which advanced driving devices have been installed, by driving teachers skilled in driving-education for the disabled. Parking sticker for the vehicle The parking sticker is given by the Ministry of Transportation. Eligible for a parking sticker are: • Anyone who has a defined limited mobility level. • Anyone not eligible for mobility benefits, but who has a medical disability level of at least 60% and meets the criteria defined by the Ministry of Transportation.
Claim for a mobility benefit Before filing a claim for a mobility benefit you must send a request form for a medical examination and determination of limited mobility, to the regional health bureau. The form can be obtained at any regional health bureau, at any local NII branch and on the National Insurance Institute website. After a Health Ministry regional medical board has determinedlimitedmobilitywhichentitletoabenefit, a claim must be filed with the National Insurance Institute to receive mobility benefits. Claim forms can be obtained at any local NII branch and on the National Insurance Institute website. In cases in which the regional health committee’s decision does not satisfy the claimant, it can be appealed to an board of appeals, within 60 days of the day of the regional health committee decision.
18 Accident Injury Insurance What is an accident? An accident entitling the injured person to an accident benefit is a sudden occurrence in which an outside factor causes physical injury, resulting in loss of capacity to function. Loss of functional capacity is determined according to the following: • An employee or self-employed person − if he is unable to continue performing his work or any other work. • A person who is neither employed nor self- employed − if he is hospitalized or confined to his home.
• Ahousewife − if she is not capable of performing housekeeping tasks.. Who is entitled to an accident benefit? An Israeli resident between the ages of 18 and the retirement age (see the chapter on OldAge), who was involved in an accident in Israel or outside of it, is eligible for accident benefits for the period in which he is in Israel and has lost the ability to function, in accordance with the detailed above, provided he has not worked at any job, and has been medically examined within 72 hours of the time of the accident.
Not eligible for accident benefits is anyone that during the period of loss of ability to function was receiving another legally enforced payment, such as an sick pay, a benefit under the Compensation for Accident Victims Law, etc. Daily rate of the accident benefit • For a salaried employee or a self-employed worker: 75% of the salary or income subject to insurance contributions in the three months preceding the date of the accident, divided by 90 (up to a daily maximum of NIS 1,094.63 as of January 2014).
• A person who is not working or a housewife: NIS 72.98 as of January 2014. Period of payment An accident benefit is paid for a maximum of 90 consecutive days, commencing on the date after the date of the accident. For the employed and self-employed Accident benefits are not paid for the first two days, unless the injured has lost the ability to function for a period shorter than 12 days. No accident benefit is paid to a person who is not working or to a housewife for the first 14 days after the date of the accident. Submitting the claim Aclaim for an accident benefit should be submitted to the local NII branch near the place of residence, together with medical certification for accident , within 90 days of the accident date. Claims filed after this date may be rejected. Claim form NI/2201 can be obtained at any local NII branch, or downloaded from the website. The form can be mailed or faxed, or dropped off at the branch’s service box.
Under the Accident Injury Insurance Law, benefits are provided to people injured in an accident, at home, on vacation or during leisure time and, due to the accident, have lost the ability to function. The benefits under this law are paid for up to 90 days of functional disability.
Your rights at the National Insurance Institute 19 Vocational rehabilitation The National Insurance Institute׳s vocational rehabilitation program is a therapeutic process designed to guide and train persons with disabilities and widows to find suitable employment. Social services are also provided to people injured at work or in a hostile action. The rehabilitation officer at the local NII branch, a trained social worker, advises the rehabilitation beneficiary with everything related to selecting a suitable profession and integrating in a job, after making a personal acquaintance with them and analyzing their aspirations, skills and limitations. If necessary, the rehabilitation officer consults with specialists in medicine, psychology, employment and other fields. When selecting a vocation, market demand and the investment required to learn the vocation or the required skills are also taken into consideration.
The duration, nature and location of the training are determined by the medical limitations, percentage of disability, skills and the selected vocation. Professions can be studied at various training and education institutions, which give out a professional certificate or academic degree upon completion of the studies. At the end of the training period, placement programs are available for finding employment in the job market. The rehabilitation services are provided in various ways and include individual treatment, workshops, support groups for the rehabilitation process and community activities.
Assistance provided by the social services for victims of work injuries and hostile action In addition to the benefits and rehabilitational assistance, victims of work injuries and hostile action are entitled to assistance from the social services according to the laws and regulations: Work Injury Work injury victims whose degree of disability is at least 75%, or who have difficulty in walking and have a disability of 65%-74%, are entitled, under certain conditions, to a special allowance for individual treatment, and to a special grant for lump-sum expenses, such as assistance in purchasing a vehicle (for people with limited mobility), modification of housing, purchasing accessories, etc.
Who is eligible for vocational rehabilitation? • Aperson injured at work for whom a permanent disability of at least 10% was determined or whose injury was recognized as an occupational disease. • A person for whom a weighted calculation of medicaldisabilityofatleast20%wasestablished, whose disability is not the result of a work injury or a hostile action, even if he is not receiving a disability pension from the National Insurance Institute. • A person injured in a hostile action for whom a disability of at least 20% was established, as well as the widow and orphans of a victim of hostile action who died as a result of the hostile action.
• Widows or widowers who have been recognized as survivors by the Survivors Department or as dependents by the Work Injury Department. All the above are eligible for vocational rehabilitation if, due to their disabilities, they are incapable of working in their previous occupation or any other suitable occupation, and it has been determined that they require and are suitable for vocational rehabilitation. Widows/widowers are eligible for vocational rehabilitation if they are of working age and unemployed, or not earning enough to support themselves, or require vocational training due to being widowed.
What are vocational rehabilitation services? A person undergoing rehabilitation is entitled to assistance in vocational assessment and guidance, payment of a rehabilitation allowance during training or studies (for a disabled person who does not receive a disability pension or who receives a partial pension), and to a maintenance allowance (for a widow/er) and payment of expenses related to studies, such as tuition fees, travel expenses, books and study materials, as specified by the regulations and provisions and in accordance with the study hours.
Hostile action casualties and bereaved families of hostile action casualties receive also accompanying support. Social workers from the Rehabilitation Department provide individual and group psychological support to help them cope with the trauma and the bereavement.Also, volunteers assist the families with various problems that come up over the years. Claim for vocational rehabilitation Must be filed on form NI/270 with the Rehabilitation Department at the local NII branch.The form can be downloaded from the National Insurance Institute’s website and then mailed or faxed, or dropped off at the branch’s service mailbox.
20 • A prisoner serving a community service. • Detained persons under full house arrest. • A pregnant woman entitled to a pension from the 13th week of pregnancy to the end of the pregnancy). • A person addicted to drugs or alcohol. • A homeless person. • A person learning in an ulpan. • Aperson who is in a rehabilitational framework sponsored by the National Insurance Institute or the Prisoner Rehabilitation Authority, or in another rehabilitational framework under the supervision of a government ministry. • A person in dire straits due to a tragedy or unexpected occurrence.
• Children whose one parent is an Israeli resident detained or arrested, and the other parent is not a resident. • Supervisors of a child or partner under house arrest. • A person disabled by a hostile action injury for whom a disability of 75% or more has been established. • A woman in a shelter for battered women. Recipient of an income support benefit who travels abroad It is advisable for recipients of the income support benefit to check their entitlement to the benefit before traveling abroad.
• A person who is not in Israel for a full month is not entitled to the benefit for that month. • Aftertwoormoredeparturesinthesamecalendar year (from January 1st to December 31st), the recipient is not entitled to the benefit for the month of departure or the month of return. Income Support Benefit • Means and Vehicle Test – Income by the claimant and partner is lower than the minimum level determined by legislation. There are types of income not taken into consideration. Anyone who owns or uses a vehicle (including a motorcycle) for which the value does not exceed NIS 40,760, a certain amount will be deducted which will be calculated according to their age and income, as well as according to the value of the vehicle.Anyone who owns a vehicle for medical needs, even if the value of the vehicle exceeds NIS 40,760, will not have any amount deducted from the benefit as result of the vehicle.
• Employment test − The benefit applicant and his spouse must be one of the following: • Unemployed; • Low wage-earner; • In vocational training. Exemptions from the employment test: • A person who is too sick to work more than 30 consecutive days. • A person undergoing vocational rehabilitation. • Aman and woman who have reached retirement age (see chapter on old age) • Asingle parent who has custody of a child under two years of age. • A married father whose children are in his sole care, and his youngest child has yet to turn 7. • Caregivers of a sick family member (child, partner, parent).
• A parent of a disabled child. • Areleased prisoner after imprisonment of at least 6 consecutive months (only for the duration of two months after his release). Who is eligible for income support benefit? Israeli residents who are not capable of ensuring themselves a subsistence income are eligible for income support benefit. Israeli residents whose income is below the minimum wage required for subsistence are entitled to income supplement (to wages, to unemployment benefit, to alimony, etc.), according to their family situation and the number of persons in the family.
The benefit is paid from the month in which the claim is submitted. Conditionsofentitlementtotheincomesupport benefit The conditions of entitlement must also be present with the benefit claimant’s partner: • Age − At least 20 years of age. Under certain circumstances (such as illness, pregnancy, drug abuse, etc.), the benefit may be available also at 18 years of age. • Continuity of residency − An Israeli resident for at least 24 consecutive months. Thisconditiondoesnotapplyto:anewimmigrant who has been in Israel for at least 12 months and that 5 years from the date of immigration have not passed; an orphaned child; an abandoned child; persons whose partner has been an Israeli resident for at least 24 consecutive months; if they or their partner receive, from the National Insurance Institute, an old-age pension or survivor's pension or benefits in the area of work injured and volunteer rights.
An income support benefit is paid to individuals and families in Israel who are not capable of ensuring themselves a basic minimum income for subsistence.
Your rights at the National Insurance Institute 21 • A person who is required to report to the Employment Service, but due to traveling abroad did not do so, is not entitled to the benefit. Anyone departing overseas in order to receive medical treatment which cannot be provided in the country, or anyone accompanying a sick family member for the purposes of receiving such treatment, and has obtained approval for the departure from the Ministry of Health, will continue receiving the benefits during their overseas stay, but no longer than 6 months. The following are not eligible for the benefit: • Aperson residing in an institution whose entire maintenance is paid by the state, the Jewish agency, a local authority or a religious institution. • A person serving compulsory military service in the IDF, and his spouse.
• Amember of a kibbutz or cooperative moshav. • A student attending an institution of higher education, an institution of post-secondary studies, a yeshiva or a Torah institute and an institution for training religious clerics. Despite the above, under certain circumstances, those undergoing vocational training after a referral by the Employment Service as well as single parents may be eligible for the benefit. * For a couple, one of whom is hospitalized and all his maintenance is paid by the State, the Jewish Agency or a local authority, and for those whose partner is an Israeli resident, and for a minor girl who lives with her parents – NIS 649 will be reduced from the benefit. ** For 20-25 year olds without children, who are obligated by the employment test – the benefit will be reduced by 20% 25-55 year olds who have been receiving an increased benefit since December 2012, consecutively or with a break of no more than 6 consecutive months – are entitled to increased benefit amounts.
Grant Amounts as of January 2014* Family Composition Aged 20-25 who are exempt from the Employment Test, or that have children, as well as anyone aged 20-55, for any eligibility type** Anyone aged 55 and over Amount of benefit Maximum income from employment entitling to the benefit (when there is no other income besides from employment) Amount of benefit Maximum income from employment entitling to the benefit Individual 1,730 2,925 2,162 3,454 Couple 2,378 4,033 3,243 4,954 Couple + Child 2,594 4,479 3,762 5,499 Couple + 2 or more children 2,897 5,271 4,281 6,184 Single parent + child 2,897 5,464 3,535 7,437 Single parent + 2 or more children 3,373 6,258 4,400 8,878 Orphaned/abandoned child 2,022 2 orphaned/abandoned children 2,963 Any additional orphaned/abandoned child 865 Submittingaclaimforanincomesupportbenefit Claims for the benefit must be filed at the local NII branch. The benefit is paid from the month in which the claim is submitted.There is no retroactive payment for income support, so it is therefore vital not to delay in filing the claim.
The claim form can be downloaded from the National Insurance Institute website and then mailed or faxed. Death grant A one time grant to the partner, and if there is no partner – to the child (as defined by law), of the deceased income support beneficiary. Grant amount, as of January 2014 – NIS 8,757.
22 Maintenance (alimony) and child support payments are designed to help women and children who are residents of Israel, who have a court judgment for maintenance payments and who are not receiving those payments from the person obligated to pay them. The National Insurance Institute pays special compensation for children whose parent has been murdered by his/her partner. Maintenance Payments The amount of the payment is the amount stated in the maintenance judgment or the amount specified in the National Insurance Regulations – the lower of the two. The National Insurance Institute pays a monthly sum to the entitled and takes writ of execution proceedings against the debtors for the collection of the full judgment. If the National Insurance Institute is successful in collecting the full alimony amount determined in the ruling, and this sum is larger than the alimony paid by the National Insurance Institute, beneficiaries will receive the difference.
Who is entitled to maintenance payments? • A woman who is an Israeli resident, who has a court judgment for maintenance payments, and has not instituted proceedings to execute the judgment, provided that she is not living with the person obligated to pay the maintenance, and that person was a resident of Israel at the time the judgment was rendered or for 24 of the 48 months that preceded the rendering of the judgment. • Achildwhowasawardedmaintenancepayments and who is not in his mother׳s custody. Conditions of entitlement • For a woman − if she has custody of at least one child or if she is married and not capable of supporting herself (even if she does not have custody of a child); or she is age 60 or older (even if she does not have custody of a child). • For a child under the age of 18 who cannot supporthimself,whoisnotinhismother׳scustody and also does not live with her − if most of his maintenance is not being paid by the State or a local authority.
• Means test − The applicant must meet a means test as specified by law. • A beneficiary of a maintenance payment who departs for overseas will continue receiving the benefit while staying overseas, provided she has departed the country no more than 3 times during the course of that calendar year (January 1st to December 31st), and for no more than 72 days. These restrictions do not apply to trips resulting from medical needs. Claiming maintenance payments Must be filed at the local National Insurance Institute branch, on form for payment according to the Maintenance Payment Law (NI/5400). Compensation is paid to orphans in addition to any other benefits they are eligible for, such as child allowance, survivors pension or any other benefit. Conditions of entitlement Any child meeting the following criteria is eligible for compensation: • The parent who died was an Israeli resident. • The parent was killed by the spouse (for this purpose, couples who are not married are also considered spouses).
• The State Attorney׳s office confirmed that the event is one that entitles the child to benefit. • The murder occurred after March 1, 1994. Rates of benefit 60%-100% of a full benefit – NIS 6,817 as of January 2014, according to number of children. Requesting the benefit The claim for the benefit should be submitted by the person caring for the child, even without Compensation for Children Orphaned as a Result of Domestic Violence The claim form can be downloaded from the National Insurance Institute website and then mailed or faxed to the local NII branch. With the request form, please also file an original copy of the court ruling, confirmation from the Hotzaa Lapoal that the woman does not have a case file with them, the 3 most recent paychecks, a copy of the last 3 months of bank activity and confirmation from the bank that the back account is in the woman’s name only. a custodial order, along with a recommendation from the welfare services.
A child who has turned 18 should submit his request on his own. Claims must be filed at the local NII branch. The claims form (NI/235) can be downloaded from the National Insurance Institute website and then mailed or faxed, or dropped off at the branch’s service box. Rates of payment in the National Insurance Institute Regulations, in NIS, as of January 2014 Under age 55 Age 55 or over Amount of allowance (NIS) Benefit nullification point* Amount of allowance (NIS) Benefit nullification point* Awoman without children who has filed a claim: Before January 1st, 2003 NIS 1,946 NIS 3,335 NIS 2,162 NIS 4,784 After January 1st, 2003 NIS 1,730 NIS 2,924 NIS 2,162 NIS 4,784 A woman who has one child NIS 2,897 NIS 5,463 NIS 3,535 NIS 7,435 A woman with 2 or more children NIS 3,373 NIS 6,256 NIS 4,400 NIS 8,877 Awoman who has remarried or has a common- law partner + one child NIS 2,022 NIS 4,004 NIS 2,022 NIS 4,913 Awoman who has remarried or has a common- law partner + 2 or more children NIS 2,963 NIS 5,573 NIS 2,963 NIS 6,482 For a child with a legal guardian NIS 2,022 NIS 3,341 For 2 children with a legal guardian NIS 2,963 NIS 4,867 For every additional child with a legal guardian NIS 865 NIS 1,236 * If the income of the person receiving maintenance, from employment or from a wage replacing benefit, is lower than these sums, she is entitled to partial alimony maintenance. If her income is higher than these amounts, she is not eligible for maintenance benefits.
Your rights at the National Insurance Institute 23 A resident and citizen of Israel who has been recognized by the competent authority as a Prisoner of Zion, or a relative of a Prisoner of Zion held in prison, or a family member of a Martyr, is entitled to benefits under the Benefits for Prisoners of Zion and their Families Law of 1992. A person who has been recognized by the Yad Vashem commemorative authority as a Righteous Gentile and is living in Israel, and family members of a righteous gentile (a widow/er − or if none, a child, as defined in the National Insurance Law, who are living in Israel) are entitled to benefits. Benefits for Prisoners of Zion and Families of Martyrs Benefits for Righteous Gentiles Benefit for a Prisoner of Zion according to income The benefits are paid to both disabled Prisoners of Zion and those who are not disabled, who meet the criteria of the means test. The maximum benefit for an individual is NIS 2,620 (as of January 2014) and for a couple it is NIS 3,931 (as of January 2014). A person who is entitled to benefits according to income is also entitled to a discount on municipal taxes (up to 66%).
Benefit for the spouse and children of an imprisoned Prisoner of Zion The benefit rate depends on the income of the spouse. Those with no income are paid a benefit at the rate of the income support benefit. Benefit for a family member of a Prisoner of Zion who died in prison The benefit is equal to the benefit rates under the Families of Fallen Soldiers Law (Ministry of Defense). Benefits for a relative of a Martyr The benefit is equal to the benefit rates under the Families of Fallen Soldiers Law (Ministry of Defense).
Benefit for the widow of a Prisoner of Zion who died abroad The benefit is equivalent to the survivors׳ pension (if she is not entitled to other benefits under the Law). Categories of eligible persons: • A Prisoner or Detainee of Zion who is disabled due to his imprisonment, detention or exile, whose degree of disability is at least 10%. • APrisoner or Detainee of Zion, even if he is not disabled, provided that he meets the criteria of the means test ). • The spouse and children of a Prisoner or Detainee of Zion who is imprisoned for more than 6 months, and the spouse and children of a person who has disappeared in an enemy country and at least 6 months have elapsed since his disappearance.
• Arelative* of a Prisoner or Detainee of Zion who died in prison, in detention or in exile after the establishment of the State of Israel. • A relative* of a person executed in another country after the establishment of the State of Israel due to his Zionist activity, Judaism, or links with Israel, and the widow of a Prisoner or Detainee of Zion who died abroad, if she is not eligible for benefits under the law. • A widow, widower or orphan of a Prisoner of Zion who received Prisoner of Zion benefits from the National Insurance Institute. Benefit for a disabled Prisoner of Zion The rate of the benefit is determined by the percentage of disability. A person with a 100% disability receives a benefit at a rate determined by clause 4 of the Persons Disabled in War against the Nazis Law (as of January 2014 – NIS 4,368). Dependents’ pensions A dependents׳ pension is paid to a widow/er or children of a Prisoner of Zion who received Prisoner ofZionbenefitsfromtheNationalInsuranceInstitute. The widow/er׳s entitlement to the benefit expires upon remarriage.
The rate of the benefit is 60% of the benefit received by the Prisoner of Zion before his death. A person who is entitled to both a dependents׳ benefit and a survivors׳ benefit, or to benefits for dependents of a person injured at work, must choose one of these benefits. Death grant A death grant is paid to the widow/er or children of a Prisoner of Zion, provided that they are not entitled to a death grant under another law. Grant amount as of January 2014 – NIS 9,089. Benefits for a disabled Prisoner of Zion Therapy, hospitalization, recuperation, devices, Vocational rehabilitation, convalescence pay for 7 days, awarding benefits, as well as discounts on municipal taxes (up to 66%).
* A spouse, child, parent or sibling Vacation grant and a discount on municipal taxes Forrighteousgentilesandtheirspouses−avacation allowance for 8 days at the rate for a civil servant; a discount on municipal taxes (up to 66%). Monetary benefits Monthly compensation at a rate equaling the average wage (as of January 2014 – NIS 9,089).
24 Survivors׳ Insurance Survivors׳ pension Who is eligible for a survivors׳ pension? • Widower − the husband or common-law partner of the deceased at the time of her death, who was married to her for at least one year (half a year for a man age 55 or older), if he is caring for the child of the deceased or if he meets the criteria of the means test . • Widow − the wife or common-law partner of the deceased at the time of his death, if she was married to him for at least one year (half a year for a woman age 55 or older), of if she bore him a child.
• Child (orphan) − the child of the deceased at the time of his death (including a stepchild, an adopted child, or a grandchild who was supported solely by the deceased, except for a married teenage boy or girl) if he meets one of the following conditions: • He is below the age of 18. • He is below the age of 20 and is completing his studies in a post-secondary educational institution or is studying towards completion of the matriculation exams, or has learning disorders and is in a framework recognized by the National Insurance Institute. • He is below the age of 20 and is a cadet in a pre-military IDF framework (that has been recognized for this purpose).
• He is below the age of 24 and is performing compulsory service in the IDF (the period of entitlement is 36 months). • He is below the age of 24 and is serving voluntarily in National Service (in frameworks recognizedbytheNationalInsuranceInstitute). • He is below the age of 24 and is studying in an officer candidate academic program and his military service was deferred due to his studies. • He is below the age of 21 and is performing volunteer service for a public cause for up to 12 months, and his compulsory IDF service was deferred due to his volunteer service. Only children (not spouse) of a married woman who did not work outside of her household (a housewife) are eligible for survivors’ pension. Conditionsofentitlementtoasurvivors׳ pension • The deceased was an Israeli resident at the time of his death.
• The deceased completed the״qualifying period" – 12 months of insurance immediately preceding death; or 24 months of insurance in the 5 years preceding death; or 60 months of insurance in the 10 years preceding death; or 144 months of insurance; or 60 months of insurance if the number of insurance months is not less than the number of months without insurance. Exempt from a qualifying period: insured person who passed away within one year of immigration to Israel; insured person who passed away before they had turned 19 years old; insured woman who passed away within one year of getting divorced or widowed; insured person who was the major provider of his partner or children; insured person who is survived by a child; insured woman who received a disability pension.
• Payment of insurance contributions (for self- employed workers and women who are not housewives). Arrears in insurance contributions deny the debtor’s survivors entitlement to the pension, or reduce the pension rate (in accordance with the amount of the debt and length of time in arrears). In such a case, entitlement to the pension is examined on compassionate grounds. Ratesofsurvivors׳ pensionsasofJanuary2014: For widows or widowers aged 40-50 with no children – NIS 1,150, For widows or widowers age 50 or older with no children − NIS 1,531, Survivors’ Insurance provides a pension to the widow and children of an Israel resident who died and was insured with Old Age and Survivors’ Insurance for the period of time required by law, and duly paid the insurance contributions.
For widows or widowers age 80 or older − NIS 1,617, For widows or widowers with one child − NIS 2,249, For widows or widowers with two children − NIS 2,967. For each additional child − NIS 718. Seniority Increment: Eligible for a seniority increment are widows and widowers of anyone who was insured for 11 or more years prior to their death. Rate of increment: For every year after the 11th yearofinsurance–2%ofthebenefit.Themaximum increment rate is 50%. Benefit deferral increment that was paid with the deceased’s old-age pension is not transferred to the entitled survivor's pension.
Deduction of health insurance contributions: Minimal health insurance contributions of NIS 103 are deducted from the survivor's pension when the beneficiary of the pension has no income liable for insurance contributions. Income supplement Anyone with a low income who receives survivors’ pension, who passes the means test and meets the other conditions of eligibility such as vehicle, assets, employment test, is entitled to an income supplement.Thesupplementincreasesthepension up to the amount of the income support benefit.
Your rights at the National Insurance Institute 25 Survivorpensionrateswithincomesupplement, as of January 2014: For a widow/er without children – NIS 2,803 For a widow/er with one child – NIS 4,487 Forawidow/erwithtwoormorechildren–NIS 5,421 For a widow/er between the ages of 70 and 80 – NIS 2,887 For a widow/er at least 80 years of age − NIS 3,016. Claim for a survivors׳ pension and income supplement Mustbefiledinwriting,onformNI/410,withthelocal NII branch. According to the National Insurance Law, claims for survivor’s pension must be filed with the National Insurance Institute no later than 12 months of the date of passing.
After the death of a person who received an old- age pension or a disability pension, the survivors׳ pension is paid from the 1st of the month after the month in which the death occurred. After the death of a person who did not receive an old-age pension or disability pension, the survivors׳ pension is paid as follows: • If the survivors are entitled to an income supplement, the pension is paid from the 1st of the month in which the death occurred. • If the survivors are not entitled to an income supplement, the pension is paid from the 1st of the month in which the death occurred if it occurred before the 16th of the month, and it is paid from the 1st of the month after the month in which the death occurred if it occurred after the 15th of the month.
If the claim is submitted after the appointed date, the entitled person may receive the pension only for 12 months retroactively. The claims form can be downloaded from the National Insurance Institute website and then sent in by mail or fax. Special benefit (survivors) paid to a widow and orphans of an uninsured Israeli resident (since he was between the ages of 60 and 62 and over on the day of immigration to Israel). The rates of the special benefit are equivalent to the rates of the survivors׳ pension under the National Insurance Law, but no seniority increment is paid.
Conditions of entitlement to the special benefit (survivors) Non-entitlement to a pension under the National InsuranceLawandmeetingthecriteriaofthemeans test. An income supplement is paid according to the conditions of entitlement. Recipient of a survivors׳ pension who is in entitled to another pension Anyone who as a result of the same event is eligible for survivor’s benefit as well as another benefit, according to the National Insurance Law or any other legislation, will select one of the two benefits. Beneficiaries of an old-age pension who become eligible for survivor's benefits, or anyone receiving survivor's benefits that becomes eligible for an old-age pension, their eligibility for receiving a full old-age benefit and half the survivors’pension will be checked.
While staying abroad If you are receiving a survivor’s pension or a survivor’s benefit (special) and are leaving the country, you must notify the National Insurance Institute. Survivors׳ grant Awidow or widower under the age of 40 who has no children, and a widower who received a survivors׳ pension and is no longer entitled to the pension due to high income, receives a lump-sum grant and is not entitled to a monthly pension. The grant is equivalent to 36 monthly pension payments. Marriage grant Alump-sum grant equivalent to 36 monthly pension payments, paid to a widow/er receiving a survivors׳ pension who remarries. The grant is paid in two installments: the first is paid after the marriage date and the second is paid two years after the marriage date (eligibility to a survivors׳ pension expires, excluding cases where the widow might still be eligible for the benefit). Widowsandwidowerswhohavereceivedamarriage grant, and have divorced again with 10 years of the date of marriage may return to receiving the survivor's pension.
Vocational rehabilitation for a widow/er Analysis, professional guidance and assistance in work integration; professional studies (vocational training); payment of a cost-of-living-benefit during studies and payment of studies-related expenses. Who is eligible for vocational rehabilitation? Widows or widowers who have been recognized by the Survivors Department or the Work Injury (Dependents) Department, and are without a profession, or do not provide for themselves, or that require a career change as a result of their partner’spassing.Toreceivevocationalrehabilitation you must see the rehabilitation officer at your local NII branch and fill in a claims form for vocational rehabilitation.
Maintenance allowance for orphans Foran orphanwhodedicatesmostofhis/hertimeto high-schoolstudiesorvocationaltraining,accordingto anincometestoftheparent.Maintenanceallowance as of January 2014 – NIS 569 for children with a widow/er who is eligible for a survivor’s pension increase for the child; NIS 788 for children or their brother for whom the widow/er is not eligible to claim a survivors’ pension increase. Claim form NI/2910 can be downloaded from the National Insurance Institute website and then mailed or faxed, or dropped off at the branch’s service box.
Bar/Bat Mitzvah grant This grant is paid to a boy-orphan who reaches the age of 13 and a girl-orphan who reaches the age of 12. Grant amount as of January 2014 is NIS 5,838. The grant is not paid to recipients of the special survivors׳ benefit. Heating grant Aone-timegrantispaidonceayeartocoverheating costs, to beneficiaries of a survivor’s pension who have reached the age of retirement and meet the following criteria: • The recipient received an income supplement to the old-age pension in one of the following months: October, November or December of that year.
• The recipient lives in an area defined by the law as ״cold״ for at least two months. The grant is per family. The grant amount as of January2014isNIS 553,anditispaidautomatically together with the October pension. Death grant Upon the death of a person who received an old age, survivors, general disability, or work disability pension, a lump-sum grant is paid to the person who was the deceased׳s spouse at the time of his death. If there is no spouse, the grant is paid to the child of the benefit recipient (see the definition of ״child״ in the previous page). Grant amount, as of January 2014 – NIS 8,757.
Burial expenses Burial expenses are paid directly to the Hevra Kadisha to cover all the burial expenses.
26 Old Age Insurance Old age insurance is designed to ensure residents of Israel a regular monthly income in old age. People with low incomes are eligible for an income supplement. Old-age pension Who is eligible? An old-age pension is by law paid to any Israeli resident who was born in Israel, or who first immigrated to Israel before the age of 62.Anyone first immigrating to Israel after the age of 62 may receive, under certain circumstances, a special old-age benefit (see below). A woman who is an Israeli resident is entitled to the pension if, in addition to the above, she is one of the following: • An unmarried woman – single, divorced or widowed (except for a widow who is receiving a survivors׳ pension or a dependents׳ pension and is not working outside her household); • Amarriedwomanwhoworksoutsideherhousehold (as a salaried employee or self-employed); • Amarried woman whose spouse is not covered by old age and survivors׳ insurance (because of his age or because he is not an Israeli resident) – even if she is neither a salaried employee nor self-employed; • An aguna (a married woman whose spouse has been missing for two years, or has been outside of Israel for two years without her consent, and is not paying her maintenance) – even if she is neither a salaried employee nor self-employed; • A housewife (a married woman who does not work outside her household, whose spouse is insured) and a widow who does not work outside her household and is receiving a survivors׳ or dependents׳ pension, who was born after December 31, 1930, may be entitled to an old- age pension.
Anyone born before January 1st, 1930 may receiveanold-agepensionstartingJanuary2013. Conditions of entitlement 1. Reaching the ״age of entitlement to an old-age pension״ There are two dates connected with determining the entitling age for an old-age pension: A. Retirement age (the age of entitlement, contingent on income) – The age you will be entitled to an old-age pension provided that your income from employment does not exceed NIS 5,181 per month for an individual, or NIS 6,908 per month for a couple, and your income from other sources doesnotexceedNIS 10,362foranindividual or NIS 13,816 for a couple (as of January 2014).
Income from a pension is not considered income. Retirement age for men is 67. Retirement age for women – According to a Knesset decision, the retirement age for women born between January 1950 and December 1954 is 62. Beginning in 2017 the retirement age for womenwillincreaseincrementallyaccording to their date of birth, from 62 to 64 years, unless a different decision is reached. B. Age of entitlement to an old-age pension – The age of entitlement to an old-age pension, irrespective of income. Theage of entitlement toold-age pension for men – is 70.
The age of entitlement to an old-age pension for women Date of birth Age of entitlement to old-age pension From To - June 39 65 July 39 August 39 65 and 4 months September 39 April 40 65 and 8 months May 40 December 40 66 January 41 August 41 66 and 4 months September 41 April 42 66 and 8 months May 42 December 44 67 January 45 August 45 67 and 4 months September 45 April 46 67 and 8 months Date of birth Age of entitlement to old-age pension From To May 46 December 46 68 January 47 August 47 68 and 4 months September 47 April 48 68 and 8 months May 48 December 48 69 January 49 August 49 69 and 4 months September 49 April 50 69 and 8 months May 50 and thereafter 70 2. Completing a ״qualifying period״ (insurance period) 60 months of insurance within the 10 years that preceded the age of entitlement to an old-age pension, or 144 months of insurance, or 60 months of insurance, provided that the number of months of insurance is not less than the number of months without insurance. 3. You have paid your insurance contributions (for insured persons who are not employed byothersorwomenwhoarenothousewives) Apersonwhoowesinsurancecontributionsloses the right to a pension until the debt is settled, or he receives a reduced pension according to the debt and amount of time the payment is in arrears. Pension increments Dependents׳ increment − Paid for the spouse of the pension recipient, provided that they are not receiving a pension under the National Insurance Law, and for each one of the first two children of the pension recipient.
Ahousewife is not paid a dependent׳s increment. • Husband–Thehusbandofthepensionrecipient who has been married to her for at least one year, or her common-law partner who lives with her and is at least 70 years old or is at least 50 years old and meets the criteria of the means test.
Your rights at the National Insurance Institute 27 • Wife − The wife of the pension recipient who meets the following conditions: she is an Israeli resident, she has been married to him for at least one year or is his common-law partner and lives with him, or she has borne him a child, she is at least 45 years old or has custody of his child, she has reached the age of entitlement to an old-age pension or she meets the criteria of the means test. • Child −Ason or daughter (including a stepchild, anadoptedchild,oragrandchildwhoissupported solely by the pension recipient, except for a married teenager), who is one of the following: • He is below the age of 18. • He is below the age of 20 and is completing his studies in a post-secondary educational institution or is studying towards completion of the matriculation exams, or has learning disorders and is in a framework recognized by the National Insurance Institute. • He is below the age of 20 and is a cadet in a pre-military IDF framework (that has been recognized for this purpose).
• He is below the age of 24 and is performing compulsory service in the IDF (the period of entitlement is 36 months). • Heisbelowtheageof24andisservingvoluntarily in National Service (in a framework recognized by the National Insurance Institute). • He is below the age of 24 and is studying in an officer candidate academic program and his military service was deferred due to his studies. • He is below the age of 21 and is performing volunteer service for a public cause for up to 12 months, and his compulsory IDF service was deferred due to his volunteer service. Seniority increment: 2% of the pension for each year of insurance beyond the first 10 years of insurance. The maximum seniority increment is 50% of the pension.
A housewife is not paid a seniority increment. Pension deferral increment 5% of the pension for each year that the pension recipient was not entitled to the pension due to income from work, up to the age of entitlement to an old-age pension (for men − 70 years of age and for women – see table on previous page). Benefit amounts as of January 2014 (in NIS): For an individual − 1,531 For couple − 2,301 For an individual age 80 or older – 1,617 For a couple in which the pension recipient is age 80 or older − 2,387 For a couple with one child − 2,785 For a couple with two or more children − 3,269 For an individual with one child − 2,015 For an individual with two or more children − 2,499 Health insurance contributions are deducted from the benefit – NIS 196 for a single person and NIS 283 for a couple (as of January 2014). Claim for an old-age pension Must be filed near the age of eligibility for an old-age pension, on claim form for old-age pension NI/480, which will be sent by mail to anyone approaching this age, to the local NII branch. Claims forms can be obtained at any local NII branch and can also be downloaded from the National Insurance Institute website and then mailed or faxed.
Those who become entitled to the old-age pension from the 1st to the 15th of the month are paid the pension from the 1st of the month in which they become entitled. Those who become entitled to the old-age pension from the 16th of the month to the end of the month are paid the pension from the 1st of the month after the month in which they became entitled. However, if they are also entitled to an income supplement, they are paid the old-age pension from the 1st of the month in which they became entitled to it (even if they become entitled to the pension after the 15th of the month). If the claim is submitted later than 12 months from the date of commencement of entitlement to the pension the National Insurance Institute may pay the pension retroactively for a maximum of 12 months only.
Anyone filing a claim after reaching the age of eligibility for an old-age pension (for men 70 years old and for women – see table on previous page) may receive retroactive payment for a longer period. In any case between the retirement age and eligibility age, eligibility is retroactive. Recipients of old-age pensions must give notice of travel abroad for a period of over 6 months, so that their continued entitlement to the pension can be examined. Income supplement Beneficiaries of an old-age pension, with a low income and who pass the means test and other conditions of eligibility, are eligible for an income supplement.Thesupplementincreasesthepension to the amount of the income support benefit. Amounts of old-age pensions with an income supplement as of January 2014 (NIS): For an individual − 2,803 A single person between the ages of 70 and 80 – 2,887 For an individual age 80 or older − 3,016 For couple − 4,164 For a couple in which the pension recipient is age 80 or older − 4,469 For a couple with one child − 5,099 For a couple with two or more children − 6,033 For an individual with one child − 4,487 For an individual with two or more children − 5,421 Health insurance contributions totaling NIS 103 are deducted from the benefit. Beneficiaries of an old-age pension with income supplement must check their eligibility for an income supplement for the time spent overseas.
Submitting a claim for an income supplement Must be filed on form no. NI/430 at the time of filing a claim for an old-age pension, or after some time has passed, once income has been reduced to the amount entitling an income supplement increment. The income supplement increment is paid starting the month in which the claim was filed and for the entire time the beneficiary is eligible for it (if the increase was received illegally the National Insurance Institute may deduct it from any other benefits it is paying out).
Special benefit (old-age) A special old-age benefit is paid to anyone first immigrating to Israel after the age of 62.Amarried woman living with her partner is not eligible for a special benefit (old-age), unless she has reached the age of eligibility for an old-age pension. Conditions of entitlement to a special benefit (old age) The age of eligibility for an old-age pension is as described on the previous page; ineligibility for a benefit according to the National Insurance Law; passing the means test. Recipients of a special old-age benefit must notify the NII of departures abroad.
Rates of the special benefit (old age) The amount of the special benefit (for a single person and for those with a partner and children) is equal to the rates of the old-age pension under the National Insurance Law, but no seniority or benefit deferral increases are paid. Submitting a claim for a special benefit and for an income supplement MustbefiledonformNI/4501atthelocalNIIbranch. The special benefit (old-age) is paid starting on the 1st of the month on which the claim was filed in (no benefits will be paid for the period prior to the month on which the claim was filed). Heating grant Once a year, a lump-sum heating grant is paid to a recipient of old-age pension who meets the following conditions: 1. Receives an income supplement increment to his old-age pension during one of the following months,duringthesameyear:October,November or December, or receives an old-age pension equaling a disability pension.
2. lives in an area defined as ״cold״ by the law, for at least two months. The grant is per family.The grant amount is NIS 536 as of January 2014, and is paid automatically along with the October pension payment. Death grant Alump-sum grant paid to the spouse and, if there is no spouse, to the child (see the definition of a child, above) of the deceased benefit recipient. As of January 2014, the grant is NIS 8,757 (even if the pension recipient was paid an income supplement). If the partner of a beneficiary of an old-age pension with income supplement passes away. The death grant is paid automatically, and there is no need to file a claim for a grant.
If both partners pass away within a short time of one another, the grant is paid, under certain conditions, to whomever provided provisions to the deceased.
28 Long-term care benefit The long-term care benefit is a service benefit. Those entitled to this benefit receive long-term care services to help them perform routine functions and manage the household. Who is entitled to a long-term care benefit? A resident of Israel who has reached retirement age (see the chapter on OldAge) and is dependent on the help of others to perform routine functions, or requires supervision. Conditions of entitlement to a long-term care benefit • Age − as above. • Residence in the community and not in an institution.
• Means test − the right to the benefit and the rate of the benefit are subject to a means test. • The insured is not receiving an attendance allowance (a special allowance for a person with a work injury disability or a general disability) from the National Insurance Institute, is not receiving an allowance for personal care or supervision from the State Treasury (a person who is receiving such a benefit must choose between that benefit and the benefit specified in the Long-Term Care Insurance Law). • The insured is largely dependent on the help of another person to perform routine functions (dressing, bathing, eating, personal hygiene, mobility in the home, etc.), or the insured requires supervision at home for his own safety and the safety of those around him.
The level of dependence of an elderly person on the assistance of others, and the level of supervision needed, are determined by the National Insurance Institute following an examination by a professional (a nurse, physiotherapist, occupational therapist) which is done in the senior’s home. In cases where the limited ability to function is temporary, a long- term care benefit will be granted on a temporary basis. Persons over the age of 90 are given the possibility to be examined by a geriatrist or a psycho-geriatrist.
Long-Term Care Insurance The National Insurance Institute operates, together with the Ministry of Health and the health funds, the Long-term Care Insurance Law. Under the law, a long-term care benefit is provided to people who have reached retirement age, live at home and require the assistance of another person to perform routine functions (dressing, bathing, eating or mobility in the home), and elderly people who require supervision for their own safety and the safety of those around them. and submitted to the claims officer at the local NII branch. Claims forms can be obtained at any National Insurance Institute branch and can also be downloaded from the National Insurance Institute website and then mailed or faxed.
Anyone having difficulties filling the claim form will be able to receive assistance from the claims clerk or from the employees of the Counseling Service for the Elderly at the NII local branch. Along with the claim form, a medical information summary from the medical file, signed by a doctor, or a hospitalization summary must also be filed.Aclaim for long-term care benefit can also be submitted by any person who represents the claimant (such as a family member, guardian, social worker or nurse) after the claimant has signed the form. Long-term care cash benefit Beginning on March 1st, 2014, anyone eligible for a long-term care benefit who employs a full-time caregiver will be able to receive the long-term care benefit in cash and not in services, if they so choose. Employment of a full-time caregiver who is not a member of the family for 6 days a week throughout most of the hours of the day, in exchange for pay and according to a written contract, is a prerequisite for receiving a cash long-term care benefit.
Cash benefit amounts in March 2014 (for employers of a foreign worker) Determined Benefit Rate Monetary amount of the benefit 91% NIS 1,594 45.5% NIS 797 150% NIS 2,627 75% NIS 1,314 168% NIS 2,942 84% NIS 1,471 Request for a cash benefit Claims must be submitted on a cash long-term care benefit in place of services for employers of a foreign worker form (NIS 2655). Claim forms can be obtained at any NII local branch or downloaded from the National Insurance Institute website. The form can be mailed or faxed. What services are provided to those entitled to a long-term care benefit?
Under the Long-Term Care Insurance Law, a person entitled to the benefit receives services designed to provide direct assistance in performing routine functions and running the household, as required by the elderly person as decided by a local professional committee for long-term care issues. Below are the services from which the services appropriate for the benefit recipient are selected, as long as these services are available and can be provided in the person׳s area of residence: • Assistance of a home caregiver in performing routine functions (dressing, bathing, eating, personal hygiene, mobility within the home), performing household tasks and supervising the elderly person; • Provision of disposable absorbent products; • Treatment at day centers for the elderly; • Laundry services; • Personal distress call transmitters; Benefit rates There are three rates for the long-term care benefit: • A91% benefit (9.75 weekly hours) for a person who is largely dependent on the help of others to perform most routine daily functions, and for a person who requires supervision. • A 150% benefit (16 weekly hours) for a person who is greatly dependent on the help of others to perform most routine daily functions during most hours of the day. Anyone employing an Israeli caregiver receives an increase of 3 care hours, provided they do not have a permit to employ a foreign worker, or if that permit has been suspended.
• A 168% benefit (18 weekly hours) for a person who is completely dependent on the help of others to perform all routine daily functions at all hours of the day, and for a person who requires constant supervision. Anyone employing an Israeli caregiver receives an extra 4 care hours, provided they do not have a permit to employ a foreign worker, or if that permit has been suspended. How is a claim for a long-term care benefit submitted? To receive a long-term care benefit, a long-tem care benefit claims form must be filled out (NI/2600)
Your rights at the National Insurance Institute 29 The Counselling Service for the Elderly was established in order to improve the quality of life of elderly members of the community. The service is managed by professionals, social workers, and it mobilizes approximately 4,500 volunteers in all of the National Insurance Institute local branches. Volunteers undergo an academic training course in order to be able to provide consult, guidance and support to the elderly and members of their family. Service workers and volunteers provide the following services: Consulting and assistance in exercising rights The volunteer assists the elderly in exercising all of their rights with the National Insurance Institute, as well as in guiding them towards other services within the community and in realizing the benefits to which they are entitled.
Providing information on various issues – for example, alternative accommodation within the community, study options and leisure activities. Counseling and support on personal matters Provided to the elderly during times of transition and crisis related to entering retirement age and changes in the personal, functional, family and social statuses. Individual support – The service is a source of personal and emotional support for the elderly. The service is provided through the following channels: Office hours at branches: Consulting is provided in a warm, relaxed atmosphere. The volunteers serve as sympathetic ears for the elderly and do their best to assist the elderly in realizing their rights according to their individual needs and state. Phone calls: The Counselling Service for the Elderly operates a special hot line for senior citizens and their family members for matters related to old age from Sunday to Thursday, 8:00 am to 1:00 pm.
In Hebrew 02-6463400 In Arabic: 02-6463401 In Russian: 02-6463402 In Amharic: 02-6463403 In English: 02-6463404 Volunteers at the Counselling Service for the Elderly also routinely initiate phone calls to senior citizens who are undergoing periods of transition or crisis, in order to help them realize their rights and provide them with personal support. They also call older senior citizens to enquire of their well-being and provide them with the appropriate assistance. Approximately 160,000 enquiries from the elderly and their family members are handled every year. First-time house calls: Are made at the homes of senior citizens, to identify those among them who are at risk and to help them realize their rights. Every year volunteers make about 50,000 first- time visits.
Regular social visits: Volunteers visit lonely senior citizens who are confined to their homes, to ease their loneliness and to provide them a sense of belonging and companionship. Informational days for retirees: Informational days for new retirees, during which information is provided on their rights with the National Insurance Institute, services within the community and cultural and recreational opportunities, such as studies and volunteer work. Informational days for widows and widowers: Informational days for recently widowed individuals, during which they receive information on their rights with the National Insurance Institute, as well as assistance according to their individual state. Informational days on other matters: Depending on the individual needs, for example for members of families ofAlzheimer patients, holocaust survivors, and employers of economic migrants.
“Overcoming Together” support groups: For widows and widowers, spouses of senior citizens in need of long-term care, to the intermediate generation and for elderly divorced women. The support groups assist in handling the various transitional and crisis situations, and they are administered and moderated by professionals. Counseling Service for the Elderly The Counseling Service for the Elderly is a professional service operating through volunteer retirees who provide counseling and guidance to the elderly and their families. The volunteers also make regular social visits to the homes of housebound elderly people.
30 If the National Insurance Institute has rejected your claim, you may contact the Regional Labor Court and appeal against the decision. The appeal must be filed within 12 months of the day on which you received the NII’s decision. Regional Labor Courts City Address Phone Jerusalem 20 Beit Hadfus Street 02-6546444 Tel Aviv 25 Schocken Street 03-5128222 Haifa 12 Palyam Street Heichal Hamishpat 04-8698000 Upper Nazareth Kiryat Yitshak Rabin, Heichal Hamishpat 04-6087777 Beer Sheva 5 Hatikva Street, Heichal Hamishpat 08-6470444 A decision of the Regional Labor Court can be appealed to the National Labor Court in Jerusalem: The National Labor Court Jerusalem 20 Keren Hayesod Street 077-2703333 Legal aid If you have decided to appeal the National Insurance Institute decision and bring it before the Labor Court as described above, you may request free legal assistance from the Legal Assistance bureaus at the Ministry of Justice. You must submit the application on a special form to the legal aid bureau in your area of residence.
The legal aid bureaus City Address Phone Jerusalem* 1 Hasoreg Street, Beit Mitzpeh 1-700-70-60-44 Tel Aviv and the central region 4 Henrietta Szold Street 1-700-70-60-44 Haifa and the north 15A Palyam Blvd., Government Campus (Kiryat HaMemshala) 1-700-70-60-44 Beer Sheva 33 Shazar Blvd., P.O.B 534 (Beit Noam) 08-6404526 Nazareth Taufiq Ziad Street, Waffa Center building, 5th floor 1-700-70-60-44 * The Jerusalem bureau serves also the residents of Ashkelon, Kiryat Gat, Ashdod and Eilat. Appealing a decision of the National Insurance Institute
Your rights at the National Insurance Institute 31 The Funds of the National Insurance Institute help develop social services for the benefit of groups with special needs within the community, such as persons with disabilities, the elderly, at-risk children, distressed youths etc., in order to help them integrate into the job market and the community. The National Insurance Institute Funds The National Insurance Institute of Israel operates five Funds which assist local authorities, companies and legally registered non-profit organizations to develop social services according to the policy of the National Insurance Institute.
The Fund for Development of Services for People with Disabilities TheFundhelpspublicinstitutionsbuildandupgrade physical infrastructures for supporting services for disabled persons, in order to integrate them in society and in employment and to improve their well-being and quality of life. The Fund operates in a number of areas: employment rehabilitation, community housing, sports and leisure, special education, therapy centers, higher education and accessibility solutions. The Demonstration Project Fund The Fund helps public and private organizations develop experimental and innovative social services for at-risk and special needs population groups, such as distressed families, disabled persons, senior citizens and at-risk children and adolescents. These programs are accompanied by a research evaluation and serve as a model for nationwide implementation.
The fund for the Development of Long Term Services The Fund helps develop and improve services for the elderly disabled within the community and in institutions. The Fund’s activities include setting up senior citizen day centers, purchasing special needs equipment, training personnel for helping senior citizens, improving services in long-term care facilities, developing specialized programs for the elderly disabled, etc. The Fund for Development of Services for Children and Youth at Risk The Fund helps children under the age of 18 who are at risk as a result of neglect, abuse, violence, sexual abuse or juvenile delinquency. The Fund helpspreparethemforindependentlifeanddevelop occupational aptitude, in an effort to prevent them from regressing into poverty and neediness. The Manof Fund The Fund is intended to finance activities for the preventionofinjuriesatworkandtopromoteprograms for increasing safety, such as: implementable research, guidance and training activities, locating work hazards and occupational safety hazards, improving safety means and development of innovative means and awareness-raising and advertising campaigns.
For further information: TheDepartmentofFundsforServiceDevelopment THE NATIONAL INSURANCE INSTITUTE 13 Weizmann Ave., Jerusalem, 91909, Tel: 02-6709087 Fax: 02-6463081 and on the National Insurance Institute website – http://www.btl.gov.il
32 Eligibility for most National Insurance benefits is conditional on payment of national insurance contributions. National insurance is compulsory for all residents of Israel. State health insurance, also compulsory, ensures the provision of health services to all residents of Israel. Payment of National and Health Insurance Contributions Compulsory national and health insurance Every Israeli resident aged 18 and over is required by law to be insured with the National Insurance Institute and pay national insurance contributions, except for housewives (a married woman neither employed nor self-employed with an insured partner), and those who first became an Israeli resident after age of 62. Every Israeli resident aged 18 and over must also be covered by health insurance and pay health insurance contributions to the National InsuranceInstitute,alongwiththenationalinsurance contributions.Ahousewife is exempt from payment of health insurance, except for a housewife who receives an old-age pension or whose spouse receives a supplement to his old-age pension. Every insured person must be registered in one of the health funds and is entitled to the health services specified by law.
Definitions in this section: National insurance contributions − payment for national insurance contributions. Health insurance contributions − payment for health services. Insurancecontributions−includesbothnational insurance and health insurance contributions. Average Wage – NIS 9,089 a month, as of January 2014. Maximum income for payment of insurance contributions – NIS 43,240, as of January 2014. National and health insurance contributions are calculated according to the insured׳s income from employment and from other sources, and according to the status determined for him (salaried employee, self-employed, unemployed, student, etc.). The payments may not be less than the minimum specified by law and may not exceed the maximum specified by law.
A person who is not working and has no income pays the minimum insurance contribution of NIS 166 per month. Insured persons are required to pay insurance contributions even when they are temporarily outside Israel. Exempt from national and health insurance contributions: • New immigrants who are not working for 12 months from the day of immigration to Israel. • Anyone enlisting in compulsory military service or National Service before the age of 21. • High-school students (up to 12th grade). The exemption is until the age of 19, so long as they are students.
• Prisonersordetaineeswhohavebeenincarcerated or detained for over 12 months. Soldiersincompulsoryservicereceivehealthcare services from the IDF and are not insured under the National Health Insurance Law, so they are not required to pay health insurance contributions. Career service soldiers are required to pay health insurance contributions. Studentsinofficercandidateacademicprograms (״atudai)״ are required to pay national and health insurance contributions during their studies. The National Insurance Institute will send an account book for payment, and they will have to pay insurance contributions every quarterly. Students at a yeshivat hesder – The Ministry of Defense pays their national and health insurance contributions from date of conscription and until the date of discharge, including for periods in which he is studying at the yeshiva.
Registering with a health fund and transferring from one health fund to another Registrationwith an health fund,or transferring from one health fund to another, can be done through the National Insurance Institute website, at no charge. It can also be done at one of the Israeli Post Office branches, on a special form (for a fee). Forquestionsandenquiriesregardingregistration and transferal issues: Contact the National Insurance Institute from Sunday through Thursday, between 9 am and 1 pm, site of the Health Registry, 13 Weizmann St., Jerusalem,Tel 02-6462000, Fax 02-6462029. What is the difference between a salaried employee and a self-employed worker?
• Salaried employee − His employer is required to report on his salary and to pay national and health insurance contributions for him. • Self-employed worker − must register with the National Insurance Institute and pay the insurance contributions himself. • Salaried employee − is also covered by Unemployment Insurance and Employees׳ Rights following Bankruptcy and Corporate Dissolution Insurance. • Self-employed worker − is not covered by Unemployment Insurance and Employees’ Rights following Bankruptcy and Corporate Dissolution Insurance.
• Salariedemployee−Hisrightsarenotadversely affected by arrears in payment of the insurance contributions that his employer is obligated to pay. • Self-employed worker – His rights may be adversely affected if he does not register or is in arrearsinpaymentoftheinsurancecontributions. A self-employed person A self-employed person is defined as one of the following: • A person who engages in his occupation for at least 20 hours a week on average;
Your rights at the National Insurance Institute 33 • Aperson whose average monthly income from his occupation is more than 60% of the average wage (NIS 5,453 as of January 2014); • A person who engages in his occupation for at least 12 hours a week on average, and whose averageincomeismorethan15%oftheaverage wage (NIS 1,363 as of January 2014). Self-employed persons must register with the National Insurance Institute immediately upon beginning business activities. Injured self-employed persons are eligible for work injured benefits, only if at the time of injury they were registered at the National Insurance Institute as self-employed and had paid insurance contributions.
A married woman who is self-employed in her husband׳s business is required to register with the National Insurance Institute and to pay insurance contributions. A married couple working in a joint business can distribute income from the business among them, and pay the insurance contributions each according to their share, provided the distribution between them is between one-third and two-thirds of the total income for each side, or half for each from the total income. A self-employed person who also has income as a salaried employee must pay insurance contributionsfrombothsources,uptothemaximum income that is subject to insurance contributions. Self-employed persons with additional non- employmentincomearerequiredtopayinsurance contributions on the non-employment income as well, up to the maximum Income liable for insurance contributions, and after an amount equal to 25% of the average wage has been subtracted from the non-employment income.
A person who does not meet the definition of self-employed as specified above is not considered self-employed and is subject to the regulations specified below (see ״Aperson who is not a salaried employee and is not self-employed)״. Following are the insurance contributions paid by self-employed persons (as of January 2014): Self-employed person who is over the age of 18 and under the age of retirement pays: • On the part of the income that is up to 60% of the average wage (NIS 5,453 as of January 2014) − 6.72% for national insurance contributions and 3.1% for health insurance contributions. • On the part of the income that is over 60% of the average wage (NIS 5,453) and up to the maximum income that is subject to insurance contributions: 11.23% for the national insurance contributions and 5% for health insurance contributions.
Self-employed persons who have reached the age of retirement and receive an old-age pension pay for the portion of income under 60% of the average wage (NIS 5,453), 0.39% national insurance contributions; and for the portion of income over 60% of the average wage and up to the maximum income which is liable for insurance contributions, pay 0.68% national insurance contributions. Health insurance contributions are deducted from the old-age pension. An insured person who is neither an employee nor self-employed Insured persons who are neither employed nor self-employed must register on their own with the National Insurance Institute and pay the national and health insurance contributions themselves, according to their income. If they have no income, they pay minimal insurance contributions at a rate of NIS 166 a month (as of January 2014). Students in institutions of higher education and yeshiva students who do not work pay the minimum rate of national and health insurance contributions (NIS 124 a month) every quarter, in January,April, July and October, using an account- book that is sent to them once a year. Following are the insurance contributions paid by persons who are neither employed nor self- employed and have non-employment income (as of January 2014): For the portion of income under 60% of the average wage (NIS 5,453) pays 4.61% national insurance contributionsand5%healthinsurancecontributions, and for the portion of income over 60% and up to the maximum income which is liable for insurance contributions, pays 7% national insurance and 5% health insurance contributions.
Prepayment of insurance contributions Aself-employed person and a person who does not work but has an income must make prepaid contributions by the 15th of each month. The rate of the monthly payments is determined by estimated income. Upon receipt of the assessment from the Tax Authority, the National Insurance Institute calculates the differences above or below the insurance contributions. At the same time, the National Insurance Institute recalculates the differences between benefits paid to the insured person for that same period of time (income replacement benefits, such as maternity allowance, allowance and military reservists compensation).
Reducing and increasing prepaid insurance contributions If the amount of the advance as determined by the local NII branch is not based on actual income, please visit the local NII branch in which the insurance contributions account is managed, with confirmations of income and a form for request for amendment of advances (672). Amending the advances can be done up to 4 times a year, once every quarter in January, April, July and October. The amendment will be made based on income confirmations, as required by the National Insurance Institute regulations. A self-employed person can reduce or increase the amount of the prepaid contributions, provided that he submits a request to do so before the end of the fiscal year and, if he was injured at work, the request cannot be submitted after the work injury. If a self-employed person was not injured at work during the fiscal year, and is certain that his income willbegreaterthanthebasisonwhichtheinsurance contributions were paid, it is advisable that he contact the National Insurance Institute and request to increase the prepaid contributions:52% of the prepaid insurance contributions are recognized as an income tax deduction for that fiscal year. If a person who is self-employed or not working is in arrears in paying insurance contributions, he will be subject to the fines and linkage differentials prescribed by law.
Salaried employees Employers are required to pay national and healthinsurancecontributionsfortheiremployees. Employers must notify of all their employees and theirwages,andpaynationalinsurancecontributions and health insurance contributions on their behalf. Employers must deduct from the employee’s wages the employee’s share of national and health insurance contributions at the following rates: For the portion of income under 60% of the average wage (NIS 5,453 as of January 2014) 0.4% national insurance contributions and 3.1% health insurance contributions will be deducted; and for the portion of income over 60% and up to the maximum income which is liable for insurance contributions, pays 7% national insurance contributions and 5% health insurance contributions will be deducted. Ifanemployerdidnotpayinsurancecontributions on behalf of his employees on time, he will be charged with fines and linkage and may even be sentenced to jail time, and a corporation will be fined doubly.
Likewise, if an employee undergoes an event that entitles them to a National Insurance Institute benefit, the NII may demand the benefit amounts from the employer. Employers who employ workers in Israel who are not Israeli residents and who live in Judea, Samaria or territories of the Palestinian Authority, are required to pay national insurance contributions on their behalf (except for domestic workers), through the Payments Department at the Population, Immigration and BorderAuthority at the Ministry of the Interior (in the Maternity, Bankruptcy and Work Injury departments). Employers who employ foreign workers in Israel must notify of them to the National Insurance Institute, and pay national insurance contributions on their behalf.
An Israeli resident who is employed overseas by an Israeli employer, and their employment contract was signed in Israel is, under the National Insurance Law, insured like any worker employed in Israel, and their employee must pay insurance contributions on their behalf, under the guidelines that apply to workers employed in Israel.
34 If 5 years have passed since commencement of overseas employment, the employer will file an extension request with the National Insurance Institute. Approval of the request is dependent, among other things, on a residency test the employee must pass. Employed persons who have non-employment income pay insurance contributions on all income up to the maximum amount which is liable for insurance contributions, after subtracting 25% of the average wage and after the employed person’s income has been taken into account.
A salaried employee on unpaid leave An employee who is on unpaid leave from work and is not working at another job during that time must pay insurance contributions himself. The insurance contributions for the first two months are paid by the employer. Employersmaydeducttheseinsurancecontributions from any amount the employee receives from them. The insurance contributions paid by an employee on unpaid leave as of the third month are minimal, provided that the employee has no income during that time. A salaried employee working for several employers Thesecondaryemployermustdeducttheinsurance contributions at the full rate from the employee׳s full salary, unless the employee provides him with authorization from the National Insurance Institute specifying a different deduction rate (״adjusted insurance contributions . Such an employee is required to submit an income statement to the National Insurance Institute.
Authorization for a deduction at a different rate is given when the employee׳s salary from the primary employer is less than 60% the average wage (i.e., NIS 5,453 as of January 2014). If the insurance contributions deducted from the employee׳s salary are higher than he should have paid according to the report, the difference is refunded along with index differentials. If the insurance contributions deducted from the employee׳s salary are lower than he should have paid, he must pay the difference to the National Insurance Institute.
Producing confirmation for insurance contributions coordination, as well as filing a request for return of excessively deducted insurance contributions, is performed on the National Insurance Institute website, at www.btl.gov.il/insurance and collection/ coordination of insurance contribution. Domestic workers and their rights A domestic worker is a worker employed for housework, not for the benefit of the business or profession of the employer, including caring for children,cleaningofstairwaysincommonbuildings, under certain circumstances, and the likes. Anyoneemployingaworkerattheirhouseholdmust register the worker with the National Insurance Institute, and report and pay national and health insurance contributions on his behalf.The employer may deduct the worker׳s share of the insurance payment from his salary.
When filling out a report on the employment of a domestic worker, all of the worker׳s particulars must be accurately recorded. Missing or incorrect details may adversely affect the worker׳s national insurance rights. An employer who does not pay the insurance contributions on behalf of a household employee on time, will be charged with interest and linkage any may even serve a jail sentence. He will also be required to pay insurance contributions on the employee׳s actual wage, but no less than half of the average wage during each month of the employment for which payment is in arrears. Additionally, the National Insurance Institute may demand of an employer who did not register on time, or did not pay insurance contributions on time, the total amount of the benefits the employee is entitled to.
The obligation to pay insurance contributions for household employees also applies to anyone employing a foreign worker, or a worker who is not an Israeli resident and whose place of residence is in Judea, Samaria or territories of the PalestinianAuthority. Insurance contributions for the these workers will be paid directly to the National Insurance Institute. Career-service soldiers Career-service soldiers receive health services from the IDF, and health insurance contributions, together with national insurance contributions, are deducted from their wages. The rate of insurance contributions deducted from their salaries is equivalent to the rate for salaried employees. Vocational training students A person undergoing vocational training which has been approved for the payment of national insurancecontributionsunderthe NationalInsurance Law, is covered by both national insurance and health insurance. Obligations to pay insurance contributions for the Work Injury branch and Maternity branch (in places approved for it), falls on the institution administering the training, while anyone undergoing training must pay insurance contributions themselves, at the minimum rate which applies to a student.
Insureds living abroad An insured person living abroad who is not working for an Israeli employer pays insurance contributions based on his income in Israel which is subject to insurance contributions. If he does not have income in Israel, he pays the minimum insurance contribution(NIS 166asofJanuary2014),thesame as a person who is neither a salaried employee nor self-employed in Israel. An insured person staying overseas who has income from overseas employment pays insurance contributions according to his income, of which he reports to the Tax Authority.
The insured person departing overseas must visithislocalNIIbranch,andnotifyofthedeparture and arrange his insurance for the duration of his overseas stay. An insured person staying in a country which has signed a Social Insurance treaty with Israel (Austria, Belgium, Bulgaria, Britain, Canada, Czech Republic, Denmark, Finland, France, Germany, Norway, Rumania Slovakia, Sweden, Switzerland, the Netherlands and Uruguay), and pays insurance contributions in that country, will produce confirmation for payments and be exempt from payment of insurance contributions in Israel. However, he will be required to pay health insurance contributions on his income. Israeli residents living abroad for two or more years An Israeli resident staying overseas for two consecutive years or more and is not paying health insurance contributions to the National Insurance Institute in Israel for over 12 months, will lose his right to receive medical service in Israel under the National Health Insurance Law. To regain eligibility for medical services, he must go through a waiting period of one month for every “year of absence” from the country.Ayear in which Israeli residents live abroad for at least 182 days, even if not consecutive, is considered a year of absence. The minimum waiting period is 2 months and the maximum is 6 months.
Special payment Israeli residents of whom a waiting period is required can redeem it with a special payment, which is defined by law as NIS 10,530 (as of January 2014). Payments can be made on the National Insurance Institute website. More information can be found on the National Insurance Institute’s website – www.btl.gov.il/insurance and collection/ returning resident. Returning residents Anyone who has ceased being an Israeli resident, and will return to reside in Israel and be recognized as an Israeli resident by the National Insurance Institute, will be eligible to receive medical services in Israel in accordance with the National Health Insurance Law, only after a one month waiting period for every year he was overseas, and for no more than a 6 month waiting period. The waiting period can be redeemed with a special payment (see previous paragraph).
A person who takes early retirement Aretired man who has not yet reached retirement age, and a retired unmarried woman who has not yet reached retirement age, who are receiving pensions, must pay insurance contributions on the pension. The pension payer must deduct the insurance contributionsfromthepensionatsourceandtransfer the payments to the National Insurance Institute. A ״pension״, for the purposes of insurance contributions, is a benefit paid to an employee pursuant to a law or labor agreement, or to a
Your rights at the National Insurance Institute 35 person who was an employee, after that person has partially or completely retired from work. Apension paid to the retiree׳s survivors is exempt from insurance contributions. A person who takes early retirement and was a salaried employee or self-employed or both must pay insurance contributions from all sources of income, up to the maximum income subject to insurance contributions. A retiree whose income from all sources exceeds the maximum income subject to the payment of insurance contributions is entitled to a refund of the insurance contributions paid above the maximum amount.
An insured person who reaches retirement age An insured person who has reached the age of retirement and is not yet receiving an old-age pension because of income from employment, national and health insurance contributions are deducted from his employment income. Thefollowingretireesareexemptfrompayment of insurance contributions on their pensions: 1. An insured who has reached retirement age; 2. A widow who receives survivors’ pension or dependents’pensionfromtheNationalInsurance Institute; 3. An insured disabled person who receives from the National Insurance Institute a permanent general disability pension of at least 75%, or a permanent work-related disability of at least 100%, or a temporary disability pension of at least 75% for at least a year; 4. Beneficiaries who are not Israeli residents; 5. Benefits which are paid to a beneficiary’s survivors are exempt from national and health insurance contributions.
Amarriedwomanwhodoesnotworkoutsideher household and whose husband is covered by old age and survivors׳ insurance must submit a declaration to that effect to the pension payer and, based on this declaration, insurance contributions will not be deducted from the pension paid to her. Recipients of old-age or survivors׳ pensions Beneficiaries of old-age or survivor's pension withincomesupplementwillhavehealthinsurance contributions deducted from their benefit at the minimal rate of NIS 103 per month (as of January 2014).
Beneficiaries of old-age or survivors’pension without income supplement will have health insurance contributions deducted from their benefit at a rate of NIS 196 a month for as single person and NIS 283 for a couple, a month (as of January 2014), even if each of the individuals receives their benefits separately. Their income from other sources, such as income from a pension or work as a salaried employee or self-employed person, is exempt from health insurance contributions. The employer of a salaried employee must pay national insurance contributions for him to the Work InjuryandBankruptcydepartments.Aself-employed person must pay national insurance contributions to the Work Injury department.
Beneficiaries of survivors’ pension who have reached the age of retirement and are not yet receiving an old-age pension, will have deducted from their benefit heath insurance contributions totaling NIS 196 a month (as of January 2014). If they have income from work as salaried employees or self-employment, they must pay insurance contributions on their income, but the pension is exempt from payment of insurance contributions. Recipients of other benefits Recipients of other benefits (except for recipients of an old-age pension or a survivors׳ pension who have reached retirement age) who are salaried employees or self-employed, or who have other income,suchasapension,paythehealthinsurance contributions according to their income, and the benefitisexemptfromhealthinsurancecontributions. The following benefits are exempt from health insurance contributions in all cases: attendance allowance for the severely disabled, long-term care benefit,mobilityallowance,benefitfordisabledchild, child allowance, and benefit for righteous gentile. • A person who subsists solely on the benefit and has no other income pays the minimum health insurance contributions of NIS 103 (as of January 2014), which is deducted from the benefit.
• Apersonwhoisreceivingawage-replacingbenefit (such as injury allowance, maternity allowance, unemployment benefit, and reserve duty benefit) pays the health insurance contributions at the same rate paid by salaried employees, and it is deducted from the benefit. Relief for debtors in resolving their debt to the National Insurance Institute Inordertoencourageemployersandself-employed persons to settle their debts to the National Insurance Institute and ensure their rights, all local NII branches have the authority to reduce fines and to settle debts by installment payments. The Institute enables employers and self-employed persons to settle their debts by credit card, at telephone No.*6050 or through the National Insurance Institute website, or through a standing order arrangement with a bank, or by post-dated checks.
Employers and self-employed persons who resolve their debt using a credit card, their insurance contributions as per the resolution will be included in written confirmation given to them for tax deduction purposes at the Tax Authority. Automatedtelephonecallcenterforpayment of debts by credit card: 08-6509911 Call center hours of operation: Sundays through Wednesdays: from 6:00 am to 3:30 am Thursdays: from 6:00 am to 6:30 pm Fridays: from 6:00 am to 2:30 pm
36 An international social security convention is an agreement signed between the State of Israel and another country, which is designed to secure the social rights of someone who moves from one country to another, and to avoid dual social security payments by Israelis living and working abroad. International Social Security Conventions The countries with which Israel has signed conventions Austria, Belgium, Bulgaria, Britain, the Czech Republic, Denmark, Finland, France, Germany, Norway, Romania, Slovakia, Sweden Switzerland, the Netherlands and Uruguay, as well as limited treaties with Italy and Canada, which facilitate prevention of multiple payments of national insurance contributions only.
To whom do the conventions apply? The conventions apply to residents of Israel and residents of the countries listed above, as well as their families. Each convention specifies the fields of insurance that it encompasses. The broader conventions cover most insurance fields: old age, survivors, disability, work injuries, children and maternity. What rights are covered by the convention? 1. The right to receive benefits from Israel − for someone who moves to a treaty country. 2. The right to receive benefits from treaty countries − for someone who comes to Israel. 3. Combining the insurance periods in the two countries, to enable entitlement to benefits. 4. For those injured at work − obtaining immediate medical care and covering hospitalization expenses, according to the provisions of the convention.
Preventing dual social security payments An Israeli residents who have moved to another country and work there are usually required, by law, to pay insurance contributions to that country. but is also obligated pay national insurance contributions in Israel even while living abroad. The arrangements in the conventions are designed to prevent such dual payments.An Israeli resident who moves to a convention country pays insurance in only one of the two countries. Health insurance is not included in the convention: Israeli residents living abroad must continue to pay health insurance contributions to the National Insurance Institute in Israel. To obtain information and forms (claiming a benefit or exemption from multiple payment of insurance contributions), please contact: The International Affairs Dept., 13 Weizmann Blvd., Jerusalem, Fax: 02-6512683.
Email: email@example.com For Enquiries: National Call Center *6050 or 1-222-6050. For enquiries from overseas: 972-8-936-9669.
Your rights at the National Insurance Institute 37 Call center, service stations, up-to- date website which provides all information and services with a flick of a keyboard – for simple, efficient and convenient service All channels are open The Easy Path to Service and Information Various services through direct dialing National Call Center *6050 or 04-8812345 A wide variety of services can be provided using the call center: General information and individual enquiries, payment of outstanding insurance contributions using a credit card, including information on the balance of the debt, issuing a standing order in your name using a credit card, requesting confirmation be mailed to your house, requesting payment vouchers,requestingformsandinstructionbooklets. Important!
Receiving personal information from a service representative is conditioned on providing a secret code and ID number. You can request a secret code through the call center, the code will be sent to your home, to the address registered with the National Insurance Institute. Service is provided from Sunday throughThursday, between 8 am and 5 pm, in 4 languages: Hebrew, Arabic, Russian and Amharic. After service hours computerized telephone service will be provided once an ID number and secret code have been entered.
Services given through the call center: • General information; • Enquiries – personal information; • Requesting confirmation – confirmations will be mailed to your house; • Payment of outstanding insurance contributions using a credit card, including information on the balance of the debt; • Requesting payment vouchers; • Requestingemptyformsandinstructionbooklets. Computerized call center for payment of outstanding insurance contributions using a credit card 08-6509911 This service is intended for resolving debts by self-employed persons, students, and those not working.
The service operates on Sunday throughThursday between 7 am and 4 am, and on the days before Fridays and holidays eves between 7:00 am and 2:30 pm. Computerized call center for outstanding benefit-related payments using a credit card 08-6509935 The service operates on Sunday throughThursday between7 am and 4 am, and on the days before Fridays and holiday eves between 7:00 am and 2:30 pm. Call center for notification of risk pregnancy 08-6509934 If you are receiving an enforced bed-rest (risk pregnancy) benefit from the National Insurance Institute, you must make notification every month using this call center regarding the extension or end of your risk pregnancy.
The service operates on Sundays through Wednesdays, from 6:00 am to 3:30 am; On Thursdays from 6:00 am to 6:30 pm; and on the days before Fridays and holidays from 6:00 am to 2:30 pm. Call center for overseas callers There is a call center for overseas callers: 972-8-9369669. Service is provided from Sunday throughThursday, between8:00amand3pm,in4languages:Hebrew, Arabic, Russian and Amharic. After service hours computerized telephone service or provided once an ID number and secret code have been entered. Call center for senior citizen-related matters The Counseling Service for the Elderly operates a special telephone line for the elderly population and their families on aging-related issues: Service is provided by volunteers who have been specially trained for this task. On Sunday through Thursday, between 8:00 am and 12:30 pm.
• In Hebrew: 02-6463400 • In Arabic:02-6463401 • In Russian: 02-6463402 • In Amharic: 02-6463403 • In English: 02-6463404. Available and efficient service Self-service terminals The self-service terminals are designed to provide you with accessible and fast service during most hoursofthedayandnight.Theterminalsarelocated at the front entrance to the local NII branches and in many of the local authority buildings. Services provided at the self-service terminals: • Confirmations regarding benefits – confirmation of payments and eligibility in most benefit related matters; • Confirmations of insurance contributions matters – account details, and confirmations for the Tax Authority; • Insurance related confirmation – confirmations which detail periods of work and the types of professionsregisteredwiththeNationalInsurance Institute; • Health insurance related confirmations – confirmation of membership with a health fund with which you are registered; • Summary of data regarding insurance and collection;
38 • Summary of data regarding unemployment benefits; • Calculating the entitling age for an old-age pension. Changing passwords Operating the station is simple, user-friendly and every action is accompanied by the appropriate instruction. Instructions are given in 3 languages: Hebrew, Arabic and Russian. To operate the station you must have with you an ID number and a secret code. You can request a secret code through the call center at *6050, and the code will be sent to your home, to the address registered with the National Insurance Institute.
Operating hours of the self service terminals: Sundays – Wednesdays 7 am – 11 pm Thursdays 7 am – 6 pm The days before Fridays and holidays 7 am – 2:30 pm At your service URLof the National Insurance Institute website – WWW.BTL.GOV.IL The website covers a wide range of information and allows access to various topics related to the National Insurance Institute and the services it provides. The website enables you to conduct transactions and obtain services without having to go the local branch. The website also enables you to obtain personal services in a variety of fields. Information on the website is in Hebrew, and is also available in Arabic, English and Russian. List of services provided through the website: • Calculators for checking eligibility for a benefit and for calculating the benefit amount; • Utilizing rights at the National Insurance Institute according to life events or populations; • Directly contacting the local branch handling your file. personal enquiries and general questions; • Requesting authorizations; • Printing or requesting claim forms and other forms; • Requesting a secret code for the call center and self-service stations, as well as requesting a username and password for individual online service; • Insurance contributions coordination center; • Transferring between health funds; • Updating a bank account for child allowances. Payments Payments can be made using a credit card, up to NIS 25,000 for a transaction, or with a wire transfer with no limit on the amount. Wire transfers are conditioned on the existence of the bank’s authorization for the customer.
• Insureds’reports and payments: self-employed, students, not employed, unpaid leave, yeshiva students and living abroad; • Employers’ reports and payments: form 102, foreign residents, unpaid leave, vocational training and pensioners on early retirement; • Reportingandpaymentsforhousehold:reporting and payment for domestic employees, opening and closing a domestic file; • Health insurance: redeeming the waiting period; • Payment of outstanding maintenance payment; • Additional payments: payments for open bids, payments for a smart-card for representatives. Individual Service Usingtheindividualservice you can obtain personal information from your files in a user-friendly, available and convenient way. Login to the system is with a code and password. List of information given on the website: • Personal message board for exercising your rights; • Display of your insurance data − residency and employment status with the National Insurance Institute (salaried employee, self-employed, not working); • Display of information on your benefits − the status of your claim and payments that have been made to you; • Printing authorizations on reception of benefits / authorizations of annual payments, etc.; • Display of your account page, credit / debit balances, prepayments, future debits, etc.; • Filing an individual claim for reservists compensation – for self-employed persons, non-working persons, students and yeshiva students.
General Information General information on benefits provided by the National Insurance Institute and on the obligation of payment of insurance contributions, including health insurance, as well as information on the funds of the National Insurance Institute. • FAQs; • New information about legislative changes and a section on innovations at the National Insurance Institute; • Information on the local branches − addresses, reception hours, telephone numbers, parking arrangements and directional maps to the local branches; • Information on the service channels − telephone call centers, self-service terminals; • Terms and definitions; • Statistical information on the payment of benefits and on benefit recipients; • The National Insurance Law, the National Insurance Institute regulations, international social security agreements and treaties; • Official National Insurance Institute publications • Information on tenders and job openings; • Detailing of rights and benefits of beneficiaries of National Insurance Institute benefits through other organizations and institutions; • Communications and procedures. The National Insurance Institute on mobile phones From now on you can download the National Insurance Institute app to your smartphones, which will help you realize your rights at the National Insurance Institute.
Serviced provided through the app: • Requesting authorizations and forms; • Calculators to calculate the child allowance you are entitled to, the age in which you will be eligible or an old-age pension and the amount of reservists compensation you are entitled to; • Manuals on the benefits and benefits you are entitled to from the National Insurance Institute; • Locating a local NII branch to which you are headed, using a map; • Payment of national and health insurance contributions via credit card (for self-employed and unemployed persons).
Claims Committee – Reexamination of claims rejected by the National Insurance Institute From now on, citizens whose claim for a benefit has been rejected by the National Insurance Institute can request that their matter be examined once more by a regional claims committee, whose members are public figures appointed by the National Insurance Institute Council. The Committee’s decision are a recommendation for reconsideration by the claims clerk. Arequest form to the Claims Committee (NI/910), which can be downloaded from the National Insurance Institute website and filed at the local NII branch, or mailed to: Legislation-Retirement Branch, the National Insurance Institute, 13 Weizmann Blvd., Jerusalem 91909, no later than 6 months from the date on which the claims clerk had made his decision.
Approaching the Claims Committee does not extend the period defined by law to file a claim with the labor court, which must be filed within 12 months from the date on which the claims clerk had made his decision. The Guiding Hand Center for Guidance and Referral to Medical Committees At the “Guiding Hand” center you can receive, free of charge guidance and consult for medical boards from the best specialist doctors in their field, and assistance in preparing the necessary documents. The Guiding Hand Center was established by the National Insurance Institute and is operated by a private company.
Tel: 04-9126885 Fax: 04-9126890 Email: firstname.lastname@example.org Address: 16 Palyam St. (Sha'arei Mishpat building), Haifa
Your rights at the National Insurance Institute 39 Branchie – The National Insurance Institute’s Mobile Branch The Branchie comes to locations in which there are no local NII branches, and have high demand for service. The Branchie is equipped with computers and advanced systems and can provide a wide varietyofservices:obtainingformsandconfirmations, enquiriesintothestatusofaclaimorafile,payments, filing claims and documents and more. The Branchie arrives to the following locations on a regular basis: • Ksayfeh – On Mondays and Wednesdays between 8:30 am – 12:30 pm, at the town center, next to the Maccabbi health fund building; • Arara – On Sundays and Tuesdays between 8:30 am – 12:30 am, in the industrial area, near Magen David Adom; • Hora – On Sundays and Tuesdays between 8:30 am – 12:30 pm, next to the Social Services Bureau; • Segev Shalom – On Mondays between 8:30 am – 12:30 pm, next to the Social Services Bureau; • Lakiyeh – On Wednesdays between 8:30 am and 12:30 pm, at the Municipality building. Changes are made from time to time in the laws under which the National Insurance Institute pays benefits. Therefore, before exercising your rights, please clarify those rights by contacting the call center at *6050 or log on to the National Insurance Institute website – www.btl.gov.il, for comprehensive and up-to-date information.
40 National Insurance Institute Local Branches Main Branches: Head office 13 Weizmann Ave., Jerusalem Fax: 02-6514002 Ashdod | 14 HaBanim St. Fax: 08-8686603 Ashkelon | 101 Hanasi St. Fax: 08-6740681 Beer-Sheba | 31 A Shazar St. Bnei Brak | 12 Aharonowitz St. Fax: 03-6152976 Hadera | 7A Hillel Yaffe St. Fax: 04-6328108 Holon | 26 Pinchas Lavone St., corner of Bareket St. Fax: 03-5022422 Haifa | 8 Palyam Blvd. Fax: 04-8134900 Tiberias | 1 Hofayin St. Fax: 04-6738040 Jaffa | 30 Hatekuma St. Fax: 03-5127149 Jerusalem | 22 Ben-Sira St. | 4 Shimon Ben Shatach St. Fax: 02-6755566 Kfar Saba | 39 Weizmann St. Fax: 09-7401688 Karmiel | 3 Nesiey Yisrael St. Fax: 04-9907389 Nahariya | 62 Weizmann Ave. Fax: 04-9528103 Nazareth | 3 Hamachtzevot St. Fax: 04-6027408 Netanya | 68 Herzl St. Fax: 09-8602704 Afula | 1 Osishkin St. Fax: 04-6526086 Petach Tikva | 72 Rothschild St, Krayot | Kiryat Chaim 50 Achi Eilat St. Fax: 04-8411942 Rishon Lezion | 7 Yisrael Galili St. Fax: 03-9426714 Rehovot | 64 Remez St., corner of Pines St. Fax: 08-9450737 Ramla | 11 Danny Mass St. Fax: 08-9254157 Ramat Gan | 15 Hachashmona׳im St. Fax: 03-6751261 Tel Aviv | 17 Yitzchak Sadeh St. For individual enquiries please contact: Call center *6050 or 1-222-6050 On Sundays through Thursdays between 8 am – 3 pm. National Insurance Institute website www.btl.gov.il In the Personal Enquiries section. Sub-Branches: Eilat | 12 Midyan St. Claims Fax: 08-6341134. Collection Fax: 08-6024736 Beit Shemesh | 3 Hanasi St. Fax: 02-8348199.
Bat Yam | 2 Zabotinsky St. Fax: 03-5127080 Dimona | 1 Zabotinsky St. Claims Fax: 08-6553777 Collections Fax: 08-6262882 Herzliya | 22 Ben Gurion St. Fax: 09-9312459 Migdal Ha׳emek | 54 Nitzanim St. Fax: 04-6545223 East Jerusalem | 5 Ibn Batuta St. Fax: 02-6755633 Merar | P.O.B 484, zip code 14930 Fax: 04-6785560 Upper Nazareth | 1 Amal St. Fax: 04-6028187 Acre | 4 Giborei Sinai St. Fax: 04-9551690 Safed | 100 Hapalmach St. Fax: 04-6825102 Kiryat Gat | 64 Ha׳atzmaut Blvd. Fax: 08-8865439 Kiryat Malachi | 2 Rashi St. Fax: 08-9376626 Kiryat Shmona | Tel Chai St. (Hamashbir Latzarchan building) Fax: 04-6738058 Sderot | 21 Ben Yehuda St. Fax: 08-6892103 Shfaram | 7 Ha’Teena St., the IndustrialArea Fax: 04-9868791 Reception hours in the local branches and sub-branches On Mondays and Wednesdays between 3 pm – 5 pm For matters of Work Injury, Maternity, Children, Army Reserves, Insurance and Collection (except in the Tel Aviv branch).
Service Points: Um-El-Fahem | Ofakim | Or Yehuda | Or Akiva | Elad | Ariel | Beit-El | Beit Shean | Beitar Ilit | Hatzor Ha’Glilit | Tirat Ha’Karmel | Yavneh | Yehud | Yokneam | Yeruham | Yarka | Modiin | Modiin Ilit | Maccabim-Reut | Maale Adumim | Maale Efraim | Maalot – Tarshiha | Mitzpe Ramon | Netivot | Osafiyeh – Ir Ha’Karmel | Ofra | Ali | Emmanuel | Arad | Pardes Hana | Katzrin | Kiryat Arba | Kiryat Ata | Rosh Haayin | Rahat | Shoham | Tardion For information on office hours at the service points, visit the National Insurance Institute website, under “local branches”. Public Enquiries Division: Forcomplaintsandimprovementsuggestions contact the Public Enquiries Department: 13 Weitzmann Blvd., Jerusalem 91909. Tel: 02-6709070 On Sundays through Thursdays between 1 pm and 3 pm.
Fax: 02-6525038 Sundays,Tuesdays,andThursdaysbetween 8:00 am – 12:30 pm For all National Insurance Institute matters (At the Nazareth branch – Mondays, Tuesdays and Thursdays).
Changes are made from time to time to the National Insurance Law and its regulations. Therefore, before exercising your rights, please clarify those rights by contacting the call center at*6050 or at the National Insurance Institute’s website, which contains comprehensive and up to date information. This booklet provides general information and should not be deemed to be the full and authorized text of the law. Everything stated in the male gender also refers to the feminine gender. The booklet is up to date as of January 2014 THE NATIONAL INSURANCE INSTITUTE Personal Security for You and Me www.btl.gov.il