Contributions will also be credited, subject to certain conditions;

g classes of persons:

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Persons undergoing full-time education, unpaid apprentices and persons taking approved courses of training;

· Widows in receipt of widow's allowance;

Insured women during the week of confinement, for each of the six preceding weeks and for each of the six succeeding weeks.

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These "credits" will only be awarded on application at the Social Insurance office of the Department of Labour & Social Security!

6. MARRIED WOMEN AND WIDOW'S

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Because the Social Insurance scheme' provides cover for a man's wife and family as well as for himself out of the husband's contributions, a married woman in insurable employment or self-employment is not obliged to pay contributions. She may choose to pay contributions and qualify for the benefits in her own right or she may choose not to pay contributions and rely on her husband's insurance for entitlement to the benefits. If she chooses not to pay the Social Insurance contribution she must sign an option to this effect at the Department of Labour and Social Security. She will then be given a certificate of exemption which in the case of an employed person must be presented to her employer. If she is an employed person she is required to pay the Industrial Injuries and Group Practice Medical schemes' contributions and her employer must pay his part of the full Social Insurance, Industrial Injuries and Group Practice Medical schemes' contributions.

A widow who is in receipt of a widow's benefit under the Social Insurance scheme and is in employment or self-employed has the option, as in the case of married women, of electing not to pay contributions under that. scheme.

7. PERSONS OVER PENSIONABLE AGE

The Social Insurance scheme does not cover persons who are over pensionable age (65 for a man, 60 for a woman). Accordingly, such persons who are employed persons, are only insurable under the Employment Injuries and Group Practice Medical schemes. However, their employers must pay the full employer's share of contributions.

Persons who are under pensionable age cease to be liable to pay their share of the Social Insurance contribution on reaching pensionable age.

8. HOW CONTRIBUTIONS ARE PAID

Contributions are generally paid weekly by afficing an adhesive insurance stamp on an insurance card on the space indicated on it for the appropriate week. In the case of employed contributor's contributions, stamps must be affixed by the employer who is empowered to deduct from the insured person's current wages or salary the insured person's share of the contribution. Self-employed Contributors and Voluntary Contributors stamp their own cards. Insurance stamps can be obtained only at Post Offices.

9. INSURANCE CARDS AND BENEFITS

Each Social Insurance Card bears a social insurance number which, generally is also the number of the insured person's Identity Carnet. A note of this number should be kept so that it can be quoted whenever benefit is claimed. This enables this Department to identify the insurance record and pay benefit promptly.

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