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Employment Services

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National Health Insurance Plan

The National Health Insurance Board (NHIB) was established under the National Health Insurance Ordinance 2009, as a statutory body. NHIB’s goal is to facilitate the provision of accessible, affordable and quality health care services to all its beneficiaries as specified in the ordinance.

National Health Insurance is a form of health coverage that insures the entire population against meeting the costs associated with ill health. It is a key pillar of a comprehensive social security system intended to protect the well-being of the people of the Turks and Caicos Islands.

Enrolment in the NHIP is mandatory for all those who are employed or reside in the TCI including:

a. Belongers, resident in the islands
b. Expatriates employed by the government or any government agency or any statutory body
c. Expatriates on current work permits or temporary work permits
d. Permanent resident cardholders with a right to work
e. Pensioners that satisfy all eligibility requirements
f. NIB non-contributory old age pensioners
g. Indigents enrolled with the Social Development Department
h. Prisoners
i. Dependents of any person referred to in (a), (b), (c), (d)

All employers are required to register their employees with the NHIP and declare and pay monthly contributions. A total contribution of 6% of the monthly salary is required for all employees, which is split 50-50 between the employer (3%) and employee (3%). The employer will deduct the employes portion from their regular paycheck and pay it on their behalf to the NHIP.

Self-employed individuals are also required to submit their payments monthly based on their salaries.

Deadline for submission of salary information and payments is on the 7th of every month. However, payments can be made on or before the 14th of the month. If the 14th falls on a weekend or holiday, customers have until the next business day to submit contributions. Failure to submit payments within the allotted time will result in a 10% late fee per month.

Salary submissions can be made online via the HNIP eServices website.  Payments are also accepted via online bill payment with your local CIBC or Scotiabank.

Registering with the National Health Insurance Board

National Insurance Board

The Turks and Caicos Islands National Insurance Board was established under The National Insurance Ordinance No.10 of 1991 coming into effect April 6, 1992. The National Insurance is the sole provider of social insurance benefits to persons who are gainfully employed within the Turks and Caicos Islands between the ages of 16 and 65 years. The National Insurance Board (NIB) is a statutory body of the Turks and Caicos Islands Government. The board's Head Office is located in the capital island of Grand Turk as well as a branch office with other branches in South Caicos, North Caicos and Providenciales.

If you are 16-65 years old and working, you must be registered with the National Insurance Board. To get your number and card, you will need to complete and submit a registration application and provide documents that show your age, identity, citizenship and your work permit (where applicable).

To register, the employee and the employer must complete and submit to the nearest office of the Board, the Insured Person’s Registration Application Form. Every employee must therefore ensure that his employer properly registers him/ her promptly within the prescribed time.

Registration on the islands of Grand Turk or Providenciales, should take no more than 5 working days. Family islands may take slightly longer.

Once registered, the employee is allocated a national insurance number and a registration card is issued bearing his/ her name and national insurance number. The employee is responsible for the safe custody of the registration card and must produce his card to his employer when commencing employment with a new employer or whenever the employer may ask for its production.

Registering with the National Insurance Board and obtaining your original card is free of charge.

Voluntary Contributors

An insured person who has paid at least 50 contributions as an employed or self-employed person can apply for a Certificate of Voluntary Insurance which entitles him to pay Voluntary Contributions. The application for a certificate of voluntary insurance is made on Form Ins.002 and must be submitted to any office of the Board not later than the end of the contribution year which follows the year which includes the contribution weeks for which the insured person wishes to make voluntary contributions.

Failure to apply for a Certificate of Voluntary Insurance within the prescribed time may result in the rejection of the application.

Contributions

Liability for Contributions

In the case of an employee, there is liability for contribution for every week in which he receives earnings from his employer of not less than $25.00 per week if he is a weekly-paid employee or $108.00 per month if he is a monthly paid employee. In the case of an apprentice there is always liability irrespective of the amount of earnings.

In the case of a self-employed person there is liability for contributions for every week in which he works as a self-employed person.

Liability for contributions ceases when the insured person reaches the age of 65.