Source document: https://docs-lawep.s3.us-east-2.amazonaws.com/1697743845336.pdf (Guyana)
GUYANA NATIONAL INSURANCE SCHEME NATIONAL INSURANCE SCHEME 2002 ANNUAL REPORT 1 GUYANA NATIONAL INSURANCE SCHEME 2 GUYANA NATIONAL INSURANCE SCHEME BOARD OF MANAGEMENT NATIONAL INSURANCE SCHEME-GUYANA 1.

Dr. Roger Luncheon Head of Presidential Secretariat Chairman 2.

Mr. Patrick Martinborough General Manager National Insurance Scheme Deputy Chairman 3.

Mr. Paul Cheong Secretary/Accountant Edward B. Beharry & Company Limited Member 4.

Mr. Komal Chand Trade Unionist Member 5.


Mr. Maurice Solomon Chartered Accountant Member 6.

Ms. Chitraykha Dass Social Worker Member 7.

Mr. Earl Welch Trade Unionist Member 8.

Ms. Linda Gossai Accountant General Ministry of Finance Member 9.
Ms. Jean Persico Retired Civil Servant Member 3 GUYANA NATIONAL INSURANCE SCHEME Ms. Chitraykha Dass Member Mr. Patrick Martinborough Deputy Chairman Dr. Roger Luncheon Chairman Mr. Earl Welch Member Mr. Komal Chand Member Mr. Paul Cheong Member Mr. Maurice Solomon Member Ms. Jean Persico Member 4 Ms. Linda Gossai Member GUYANA NATIONAL INSURANCE SCHEME OUR MISSION To establish and maintain a system of Social Security through which enough income is secured to take the place of earnings when such are interrupted by sickness or accident.
To provide for retirement through age, sudden death of a breadwinner and to meet exceptional expenses as those concerned with birth and death.

To ensure that monies collected which have to be used for future payments are invested in such a manner that the economy of the country would reap maximum benefit.
5 GUYANA NATIONAL INSURANCE SCHEME OUR VISION 2002 – 2006 To improve the organisation’s performance through the commitment and involvement of all employees to fully satisfy agreed customer requirements through the continuous enhancement of the service, processes and people involved.
6 GUYANA NATIONAL INSURANCE SCHEME LETTER OF TRANSMITTAL INTRODUCTION CHANGES MADE DURING 2002 CONTENTS PART 1 REGISTRATION AND COMPLIANCE: REGISTRATION OF NEW EMPLOYERS REGISTRATION OF EMPLOYED PERSONS SELF-EMPLOYED REGISTRANTS REGISTRATION OF VOLUNTARY CONTRIBUTORS BENEFITS: LONG TERM BENEFITS BRANCH Old Age Pension Old Age Grant Invalidity Pension Invalidity Grant Survivor’s Pension Survivor’s Grant Funeral Grant SHORT TERM BENEFITS BRANCH Sickness Benefit Sickness Benefit Medical Care Overseas Medical Care Extended Medical Care Maternity Allowance Maternity Grant INDUSTRIAL BENEFITS BRANCH Injury Benefit Injury Benefit Medical Care Overseas Medical Care Disablement Pension Disablement Grant Industrial Death Pension MEDICAL ADJUDICATION OF CLAIMS Industrial cases referred to Medical Board Non-Industrial cases referred to Medical Board 7 PAGE GUYANA NATIONAL INSURANCE SCHEME 57 57 57 58 58 58 59 59 60 62 65 83 Medical Treatment Abroad Visits by nurses Appeals to tribunal ESTABLISHMENT AND ORGANISATION Staffing Training INCOME AND EXPENDITURE Income Expenditure National Insurance Fund AUDITED ACCOUNTS STATISTICAL ANNEX PART 2 PART 3 8 GUYANA NATIONAL INSURANCE SCHEME TABLES IN TEXT TABLE DESCRIPTION PAGE 1 NUMBER OF EMPLOYED REGISTRANTS BETWEEN AGES 16 & 59 YEARS BY AGE-GROUP AND SEX-2002 2 NUMBER OF EMPLOYEES (AGE 16-59 YEARS) REGISTERED ANNUALLY AND AVERAGE AGE: 1998-2002 3 NUMBER OF SELF-EMPLOYED REGISTRANTS: 1998-2002 4 NUMBER OF OLD AGE PENSIONS GRANTED BY AGE-GROUP, EMPLOYMENT STATUS AND SEX-2002 5 MOVEMENT OF OLD AGE PENSIONS-2002 6 NUMBER OF OLD AGE LUMP SUM PAYMENTS BY SEX OF RECIPIENT AND AVERAGE AMOUNT PAID –2002 7 OLD AGE LUMP SUM PAYMENTS AND NUMBER OF PAID AND CREDITED CONTRIBUTIONS-2002 8 NUMBER OF OLD AGE GRANTS PAID BY EMPLOYMENT STATUS OF RECIPIENTS AND AVERAGE AMOUNT: 1998-2002 9 NUMBER OF INVALIDITY PENSIONS AWARDED BY SEX AND AVERAGE AMOUNTS: 1998-2002 10 MOVEMENT OF INVALIDITY PENSIONS-2002
 11 INVALIDITY GRANTS AWARDED BY SEX OF RECIPIENTS AND AVERAGE AMOUNT: 1998-2002 12 MOVEMENT OF SURVIVORS’ PENSIONS-2002 13 NUMBER OF FUNERAL CLAIMS PAID BY SEX, INSURED STATUS AND EMPLOYMENT CATEGORY-2002 14 NUMBER OF FUNERAL CLAIMS PAID: 1998-2002 15 NUMBER OF SICKNESS SPELLS PAID BY SEX, SECTOR AND AVERAGE DURATION-2002 16 NUMBER OF SICKNESS SPELLS PAID, AVERAGE DURATION AND PERCENTAGE ARISING FROM SUGAR SECTOR: 1998-2002 17 DISTRIBUTION OF PAID SICKNESS BENEFIT MEDICAL CARE CLAIMS BY SEX AND SECTOR-2002 18 PERCENTAGE DISTRIBUTION OF SICKNESS BENEFIT MEDICAL CARE EXPENDITURE BY TYPE OF CARE-2002 19 NUMBER OF MATERNITY ALLOWANCES PAID AND AVERAGE DURATION: 1998-2002 20 NUMBER OF MATERNITY GRANTS PAID BY AGE GROUP, EMPLOYMENT CATEGORY AND INSURED STATUS-2002 21 NUMBER OF INJURY SPELLS PAID BY REASON FOR TERMINATION, BENEFIT DAYS AND SEX-2002 22 NUMBER OF INJURY SPELLS PAID BY SEX AND SECTOR-2002 23 NUMBER OF INJURY SPELLS PAID, PERCENTAGE ARISING FROM THE SUGAR SECTOR AND AVERAGE DURATION OF SPELLS: 1998-2002 9 16 17 20 21 22 23 23 24 25 26 27 29 30 31 33 33 34 35 37 38 40 41 42 GUYANA NATIONAL INSURANCE SCHEME TABLES IN TEXT (Cont’d) TABLE DESCRIPTION PAGE 24 NUMBER OF INJURY BENEFIT MEDICAL CARE CLAIMS PAID BY SEX AND SECTOR-2002 25 INJURY BENEFIT MEDICAL CARE COST BY SECTOR AND TYPE OF CARE (PERCENTAGE-WISE)-2002 26 PERCENTAGE DISTRIBUTION OF INJURY BENEFIT MEDICAL CARE COST-2002 27 DISABLEMENT PENSIONS BY PERCENTAGE OF DISABILITY, SECTOR AND SEX-2002 28 NUMBER OF DISABLEMENT PENSIONS BY NATURE OF DISABILITY AND LOCATION OF INJURY-2002 29 NUMBER OF DISABLEMENT PENSIONS AWARDED ANNUALLY: 1998-2002 30 MOVEMENT OF DISABLEMENT PENSIONS-2002 31 NUMBER OF DISABLEMENT GRANTS PAID BY SEX AND SECTOR-2002 32 NUMBER OF DISABLEMENT GRANTS PAID BY NATURE OF DISABILITY AND LOCATION OF INJURY-2002 33 NUMBER OF DISABLEMENT GRANTS PAID BY PERCENTAGE OF DISABILITY, SEX AND SECTOR-2002 34 NUMBER OF INDUSTRIAL DEATHS BY NATURE OF INJURY AND CAUSE OF ACCIDENT-2002 35 MOVEMENT OF
 INDUSTRIAL DEATH PENSIONS-2002 36 CASES PLACED BEFORE MEDICAL BOARD (INDUSTRIAL): 1998-2002 37 VISITS MADE BY NURSES/SICK VISITORS: 1998-2002 42 43 44 45 46 47 48 49 50 51 53 54 56 57 1 0 GUYANA NATIONAL INSURANCE SCHEME LETTER OF TRANSMITTAL September 2, 2004 The Honourable Minister of Finance Mr. Saisnarine Kowlessar, M.P Ministry of Finance Main & Urquhart Streets Georgetown Dear Sir, I have the honour to submit to you the Annual Report of the activities of the National Insurance Board together with the Income and Expenditure Account and the Balance Sheet as certified by the External Auditors for the year 2002.
During the year under review, the Insurable Earnings Ceiling was adjusted in accordance with the increase in the Public Service Minimum Wage.

Hence, the ceiling was increased to $80,180 per month from the 1st February 2002.

The Minimum Rate payable for Old Age and Invalidity Pensions was at $10,450 per month.

Total income for the year was $7,210M, which represents an increase of approximately 2.3% when compared with the previous year.

The amount paid as Benefits during the year was $4,475M.
This amount was11% more than that which was paid during 2001.

Total Expenditure for the year was $5,305M.

The excess of income over expenditure was therefore $1,905M.

At the end of the year the National Insurance Fund stood at G$21,343M.
Yours Sincerely NATIONAL INSURANCE - GUYANA ……………………………………… Patrick Martinborough General Manager 1 1 GUYANA NATIONAL INSURANCE SCHEME INTRODUCTION The 31st Annual Report of the National Insurance Board - Guyana is presented hereunder in accordance with Section 36 1(a) of the National Insurance and Social Security Act, Chapter 36:01 of the Laws of Guyana.

The Report summarises the activities of the Board during the year 2002 and also highlights certain trends that have developed over the past years.
The Report is divided into three parts - Part 1 relates the activities of the Scheme with particular reference to insured persons and benefit claims; Part 2 gives an account of the financial state of the Scheme and the National Insurance Fund; Part 3 presents a collection of Statistical Tables that may be useful in the analysis of Part 1.
1 2 GUYANA NATIONAL INSURANCE SCHEME CHANGES MADE DURING 2002 (1) As of February 1, the Insurable Earnings Ceiling was increased from $76,000.00 per month to $80,180.00 per month.

(2) The limit on reimbursements for Sickness Benefit Overseas Medical Care Cost was increased from $760,000.00 to $801,800.00 per case, effective February 1.

(3) The amount payable as Funeral Grant was increased from $8,785.00 to $9,664.00 as of January 1.
(4) The newly acquired Klien/Pouderoyen Local Office was officially opened on the 11th October.

1 3 GUYANA NATIONAL INSURANCE SCHEME REGISTRATION AND COMPLIANCE REGISTRATION OF NEW EMPLOYERS Three hundred and nine new employers registered with the Scheme during 2002.

Of this amount, 276 or approximately 89% were small-scale employers, that is, each employed no more than 10 persons.

Twenty-four or approximately 8% employed between 11 and 50 persons while 4 employed between 51 and 100 persons.
Five employers employed in excess of 100 persons.

An analysis by Industry revealed that the “Services” Sector accounted for 147 or approximately 47% of the new registrants with 61 or approximately 20% entering “Personal Services”.

The “Construction” Sector accounted for 44 or approximately 14% of the new registrants, the “Commerce” Sector accounted for 41 or approximately 13% and the “Manufacturing” sector accounted for 27 or approximately 9%.
Further the “Transport, Storage and Communication” Sectors absorbed 23 or approximately 7% of the new registrants, while 14 or approximately 4% were absorbed into the “Agriculture, Forestry and Fishing” Sector, 4 or approximately 1% were absorbed into the “Mining and Quarrying” Sector and 2 in the “Water and Sanitary Services” Sector.

In addition, there were 7 employers who entered into activities not adequately described.

Four hundred and eleven new employers registered with the Scheme during 2001.
The total for 2002 represents, therefore, a decrease of approximately 25%.

The total number of Employers registered with the Scheme as at 31.12.2002 was 23,616.

Table A in the Annex shows the distribution of new employers by Industry and Size.

Figure 1 overleaf gives a graphical illustration of the Industrial Distribution.
1 4 GUYANA NATIONAL INSURANCE SCHEME 1 5 GUYANA NATIONAL INSURANCE SCHEME REGISTRATION OF EMPLOYED PERSONS A total of 6,191 employed persons were registered during the year under review.

Of this total, 3,436 or approximately 55% were males and 2,755 or approximately 45% were females.
An analysis by marital status reveals that 5,215 or approximately 84% of the new registrants were single, 514 or approximately 8% were married and the remaining 462 or approximately 7% were either widowed, divorced, separated or in common law relationships.

An analysis by age shows that 76 of the registrants were under 16 years, 6,103 were between the ages of 16 years and 59 years and 12 were 60 years or over.
Of the 6,103 registrants between the ages of 16 years and 59 years, 3,413 or approximately 56% were males and 2,690 or approximately 44% were females.

Further, 4,708 or approximately 76% of the new registrants were in the age group (16 - 24) years, 1,120 or approximately 18% were in the age group (25 - 39) years and 210 or approximately 3% were in the age group (40 - 49) years.

The age-group (50 - 59) years accounted for 65 or approximately 1% of the new registrants.
Table 1 below shows the number of Employed Registrants by Age Group and Sex.

TABLE 1 NUMBER OF EMPLOYED REGISTRANTS BETWEEN AGES 16 & 59 YEARS BY AGE GROUP AND SEX 2002 AGE- GROUP MALES FEMALES MALES & FEMALES 16 - 19 20 - 24 25 - 29 30 - 34 35 - 39 40 - 44 45 - 49 50 - 54 55 - 59 TOTAL The Average Age of the male registrants was 22 years and that of the female, 23 years.
The overall average age was 22 years.

1 6 GUYANA NATIONAL INSURANCE SCHEME Table B in the Annex shows the Number of Employed Registrants by Age Group, Sex and Marital Status.

An Industrial analysis shows that 2,566 or approximately 41% entered the “Services” Sector, 1,338 or approximately 22% entered the “Manufacturing” Sector and 1,114 or approximately 18% entered the “Commerce” Sector.
In addition, the “Construction” and “Agriculture, Forestry and Fishing” Sectors accounted for 378 and 383 respectively or approximately 6% each of the new Registrants, and the “Transport, Storage and Communication” Sectors accounted for 231 or approximately 4% of the new registrants.

The remaining 181 or approximately 3% of the new registrants were absorbed in the “Mining and Quarrying”, “Electricity, Gas and Steam”, “Water and Sanitary Services” Sectors and in “Activities not adequately described”.
Table C in the Annex classifies the New Registrants by Industry and Sex, while Figure II overleaf gives a graphical illustration of the Industrial Distribution.

During 2001, a total of 6,642 of the New Registrants were between the ages of 16 years and 59 years.

The 2002 total of 6,103 therefore represents a decrease of approximately 8%.

The number of Employed Persons registered with the Scheme as at 31.12.2002 totaled 564,028.

The Active Registrants as at 31.12.2002 was approximately 120,531.
Table 2 below shows the number of new Registrants between the ages of 16 and 59 years over the period 1998 - 2002.
TABLE 2 NUMBER OF EMPLOYEES (AGE 16 - 59 YEARS) REGISTERED ANNUALLY AND AVERAGE AGE 1998 - 2002 DESCRIPTION Males Average Age Females Average Age Males & Females Average Age The Table above exhibits a decreasing trend in the number of persons registered annually during the last five (5) years, while the average age remained relatively stable over the last three (3) years after showing an increase in 1999.
1 7 GUYANA NATIONAL INSURANCE SCHEME 1 8 GUYANA NATIONAL INSURANCE SCHEME SELF EMPLOYED REGISTRANTS During the year under review, 349 Self employed Persons were registered.

This total comprised 220 or approximately 63% Males and 129 or approximately 37% Females.
An analysis by Age shows that the age-group (16-30) years accounted for 136 or approximately 39% of the Registrants, the age-group (31-45) years accounted for 159 or approximately 46%, and the age-group (46- 60) years accounted for 54 or approximately 15%.

The average age of the male registrants was 34 years and that of the female, 35 years.

The overall average age was 34 years.


The distribution by Industry shows that 135 or approximately 39% of the newly registered persons entered the “Services” Sector, 84 or approximately 24% entered the “Commerce” Sector and 30 or approximately 8% entered the “Agriculture, Forestry and Fishing” Sectors.
Further, the “Manufacturing” Sector absorbed 24 or approximately 7% of the new Registrants, the “Construction” Sector absorbed 18 or approximately 6% and the “Transport, Storage and Communication” Sectors absorbed 16 or approximately 4% of the new registrants.

Of the remaining 42 or approximately 12% of the new Registrants, 4 entered the “Mining and Quarrying” Sectors and 1 entered the “Electricity, Gas and Steam” Sector.
In addition, there were 37 new Registrants who entered into activities that were not adequately described.

Table D in the Annex shows the distribution of Self-employed Registrants by Industry and Sex.

An examination of the Marital Status of the new Registrants reveals that 139 or approximately 40% were married and 143 or approximately 41% were single.

The remaining 67 or approximately 19% were either Widowed, Divorced, Separated or in Common Law Relationships.
Table E in the Annex classifies the new Registrants by Age group, Sex and Marital Status.

A total of 332 Self employed Persons were registered during 2001.

The 2002 figure of 349 represents therefore an increase of approximately 5%.

The total number of Self-employed Persons registered with the Scheme as at 31.12.2002 was 25,702.

The number of Active Self-employed Persons was approximately 10,002.
The number of Self-employed Persons registered annually over the period 1998– 2002 is shown in Table 3 overleaf.

1 9 GUYANA NATIONAL INSURANCE SCHEME TABLE 3 NUMBER OF SELF EMPLOYED REGISTRANTS 1998 - 2002 DESCRIPTION Males Females Males & Females 1998 639 526 1,165 1999 487 289 776 2000 290 142 432 2001 2002 220 112 332 220 129 349 The Table exhibits a decreasing trend in the number of Self-employed Persons registered annually during the period 1998 –2001 followed by a slight increase in 2002.
REGISTRATION OF VOLUNTARY CONTRIBUTORS Persons who had paid or had had paid on their behalf at least 100 Contributions during the course of their employment can seek permission to continue contributing to the Scheme on a voluntary basis.

No applications for registration as Voluntary Contributors were received during 2002.

None of the previously registered Voluntary Contributors were active during the year.
The number of persons who were issued Certificates of Voluntary Insurance from the inception of the Scheme to the end of 2002 stood at 732.

BENEFITS LONG TERM BENEFITS BRANCH OLD AGE PENSION A total of 1,367 Old Age Pensions were awarded during 2002.

Of this amount 1,053 or approximately 77% were awarded to Males, and 314 or approximately 23% were awarded to Females.
An analysis of the new Pensioners by Employment Category reveals that 1,303 or approximately 95% were Employed Persons, while 64 or approximately 5% were Self-employed Persons.

A further breakdown shows that of the 1,303 Employed Persons, 1,009 were Males and 294 were Females.

Likewise, there were 44 Self-employed Males and 20 Self-employed Females who received the Old Age Pension.

The ages of the new Pensioners ranged from 60 years to 67 years.
The age group (60-64) years accounted for 1,360 or approximately 99% of the Pensioners.

Of this amount, 1,264 or approximately 93% were 60 years old.

This is shown in Table 4 overleaf.
2 0 GUYANA NATIONAL INSURANCE SCHEME TABLE 4 NUMBER OF OLD AGE PENSIONS GRANTED BY AGE-GROUP, EMPLOYMENT STATUS AND SEX 2002 AGE EMPLOYED SELF-EMPLOYED BOTH CATEGORIES GROUP MALES MALES MALES MALES FEMALES & MALES FEMALES & MALES FEMALES & FEMALES FEMALES FEMALES 60-64 65-69 1006 3 294 - 1,300 3 43 1 TOTAL 1,009 294 1,303 44 17 3 20 60 4 1,049 4 311 3 1,360 7 64 1,053 314 1,367 The average age of the new Pensioners was 60 years and their average monthly rate was $13,055.00.
An examination of the Contribution Status shows that the new Pensioners qualified with an average of 1,053 Contributions, of which approximately 98% were paid by or on behalf of the Pensioner, and approximately 2% were credited.
The Credited Contributions were awarded in accordance with the Regulations which stipulate the award of Age Credits to persons aged 35 years or over at the commencement of the Scheme, who had paid over 90 Contributions during the first three years of existence of the Scheme, and the award of Retirement Credits to persons whose Contribution Life would have been shortened due to the reduction of the retirement age from 65 years to 60 years.
The Males were awarded Pensions on an average of 1,066 Contributions and the Females, on an average of 1,011 Contributions.

Approximately 1.5% of the average Contributions of Males and 2% of the average Contributions of the Females were Credited Contributions.

The number of Old Age Pensions awarded by Age, Sex and Contributions Paid and Credited, is shown in Table F in the Annex.

During 2001, a total of 1,446 Old Age Pensions were awarded.
The 2002 total of 1,367 therefore, represents a decrease of approximately 5%.

At the beginning of the year, 22,357 Old Age Pensions were in payment, at an average rate of $10,849.00.

During the year, 1,367 Pensions were awarded and 795 were terminated due to the death of the Recipients.

At the end of the year therefore, there were 22,929 Pensions in payment at an average rate of $10,994.00.

2 1 GUYANA NATIONAL INSURANCE SCHEME The movement of Old Age Pensions is shown in Table 5 below.
TABLE 5 MOVEMENT OF OLD AGE PENSIONS 2002 DESCRIPTION MALES FEMALES MALES & FEMALES AVERAGE MONTHLY RATE($) Pensions in payment at the beginning of the year Pensions granted during the year Pensions terminated during the year Pension in payment as at 31-12-2002 17,384 4,973 22,357 10,849.00 1,053 680 314 115 1,367 13,055.00 795 10,453.00 17,757 5,172 22,929 10,994.00 Table G in the Annex shows the number of Old Age Pensioners as at 31.12.2002, by Age, Employment Status and Sex.
OLD AGE GRANT Two hundred and fifty-five Old Age Grants were paid during 2002.

The Recipients were 168 Males and 87 Females.

The average amount paid to Males was $20,170 and to the Females, $28,883.

The overall average was $23,142.

Table 6 overleaf shows the number of Old Age Lump sum Payments by Sex of Recipients and average amount paid.
2 2 GUYANA NATIONAL INSURANCE SCHEME TABLE 6 NUMBER OF OLD AGE LUMP SUM PAYMENTS BY SEX OF RECIPIENT AND AVERAGE AMOUNT PAID 2002 DESCRIPTION MALES FEMALES MALES & FEMALES Number of persons Percentage 168 57 87 43 255 100 Average Amount ($) 20,170.00 28,883.00 23,142.00 An analysis of the Contribution-spread reveals that the Males qualified for the Grant with an average of 278 contributions, while the females qualified with an average of 327.
Overall, the Recipients qualified with an average of 295 paid and credited contributions.

This is shown in Table 7 below.

TABLE 7 OLD AGE LUMP SUM PAYMENTS AND NUMBER OF PAID AND CREDITED CONTRIBUTIONS 2002 DESCRIPTION MALES FEMALES MALES & FEMALES No.

Of Recipients Total Contributions paid & credited Average per insured person 168 46,765 278 87 28,456 327 255 75,221 295 The ages of the Recipients ranged from 60 years to 77 years, with the age group (60-65) years accounting for 209 or approximately 82%.
The ages of the Self employed ranged from 60 years to 69 years.

The overall average age was 63 years.

The number of Old Age Grants awarded by Age, Sex and Employment Status of Recipients is shown in Table H in the Annex.

During 2001, 616 Old Age Grants were awarded.

The 2002 total of 255 represents therefore a decrease of approximately 59% by comparison.
2 3 GUYANA NATIONAL INSURANCE SCHEME Table 8 below shows the number of Old Age Grants awarded by Employment Status of Recipients and Average Amount Paid for the period 1998 to 2002.
TABLE 8 NUMBER OF OLD AGE GRANTS PAID BY EMPLOYMENT STATUS OF RECIPIENTS AND AVERAGE AMOUNT 1998 - 2002 DESCRIPTION 1998 1999 2000 2001 2002 Employed Self-Employed TOTAL 539 45 584 504 43 547 591 75 666 508 108 616 212 43 255 Average Amount ($) 11,473.00 13,404.00 18,069.00 17,995.00 23,142.00 The Table above exhibits a fluctuating trend in the number of Old Age Grants awarded over the period under consideration, while the average amount paid has shown an overall increasing trend over the period with a small anomaly in the year 2001.
INVALIDITY PENSION A total of 167 Invalidity Pensions were awarded during 2002.

The Recipients were 136 Males and 31 Females with 9 of the Male and 6 of the Female Recipients originating from the Self-employed category.

An age analysis shows that 44 or approximately 26% of the Recipients were in the age-group (24-59) years, 36 or approximately 21% were in the age-group (50-54) years and 48 or approximately 29% were in the age-group (45-59) years.
Further, 22 or approximately 13% of the Pensioners were in the age-group (40-44) years, 7 or approximately 4% were in the age-group (35 - 39) years and 8 or approximately 5% were in the age- group (30-34) years.

The age group (25-29) years and (20-24) years accounted for 1 each or approximately 1% each of the total Pensioners.

The average age of the male Recipients was 49 years and that of the female, 48 years.

The overall average age was 49 years.


An examination of the contribution status shows that the Recipients qualified with an average of 999 contributions of which approximately 75% were paid and 25% were credited.

The males were awarded the Pension with an average of 1,030 contributions of which 76% were paid, while the females qualified with an average of 836 contributions of which approximately 65% were paid.

The Average Monthly Pension was $12,788.00.


2 4 GUYANA NATIONAL INSURANCE SCHEME Table 9 below shows the number of Invalidity Pensions awarded annually over the period 1998 – 2002.
TABLE 9 NUMBER OF INVALIDITY PENSIONS AWARDED BY SEX AND AVERAGE AMOUNTS 1998 - 2002 DESCRIPTION Males Females Males & Females AVERAGE AMOUNTS ($) 1998 158 44 202 1999 2000 2001 2002 191 55 246 175 38 213 204 53 257 136 31 167 7,790.00 9,024.00 11,437.00 12,488.00 12,788.00 The Table above displays a fluctuating trend in the number of Pensions awarded annually and a steady increase in the average monthly amount.
At the beginning of the year, there were 2,019 Pensioners on stream consisting of 1,551 males and 468 females.

During the year, 167 Pensions were awarded and 216 were terminated.

Of the amount terminated, 141 were due to the Pensioners’ attainment of age 60 years and 75 were due to death of the Pensioners.

At the end of the year therefore, there were 1,970 Pensioners on stream comprising 1,520 males and 450 females.
2 5 GUYANA NATIONAL INSURANCE SCHEME Table 10 below shows the Movement of Invalidity Pensions.
TABLE 10 MOVEMENT OF INVALIDITY PENSIONS 2002 DESCRIPTION MALES FEMALES MALES & FEMALES AVERAGE MONTHLY RATE($) Pensions in payment at the beginning of year Pensions in Payment during the year Pensions terminated during the year by: (a) Death (b) Attaining age 60 Pensions in payment as at 31.12.2002 1,551 468 2,019 11,581.00 136 66 101 31 9 40 167 12,788.00 75 141 11,204.00 11,148.00 1,520 450 1,970 11,729.00 The number of Invalidity Pensions paid by Age, Sex and Contributions Paid and Credited is shown in Table I in the Annex.
INVALIDITY GRANT Ten Invalidity Grants were awarded during 2002.

The Awardees were 5 males and 5 females.

The ages of the male Recipients ranged from 24 years to 59 years and the females from 45 years to 59 years.

The average age of the males was 38 years and that of the females, 53 years.

The overall average age was 45 years.

The Recipients qualified with an average of 126 Paid and Credited Contributions.

Fifteen Grants were awarded during 2001.


The 2002 figure represents therefore a decrease of approximately 33%.

Table 11 overleaf shows the number of Invalidity Grants awarded and the average amount paid over the period 1998 to 2002.
2 6 GUYANA NATIONAL INSURANCE SCHEME TABLE 11 INVALIDITY GRANTS AWARDED BY SEX OF RECIPIENTS AND AVERAGE AMOUNTS 1998 - 2002 DESCRIPTION 1998 1999 2000 2001 2002 Males Females Males & Females 15 9 24 12 3 15 13 6 19 10 5 15 5 5 10 Average Amounts ($) 13,062.00 17,118.00 18,257.00 17,249.00 28,508.00 The Table above exhibits a fluctuating trend in the number of Invalidity Grants awarded over the period under consideration, while the average amount paid has shown an overall increasing trend over the period with a small anomaly in the year 2001.
Table J in the Annex gives the number of Invalidity Grants awarded by Age, Sex, Number of Contributions (paid and credited) and Amount Paid.

SURVIVOR’S PENSION During 2002, 652 Survivors’ Pensions were awarded.

The Recipients were 545 Widows who qualified because they were 45 years and over, 94 Widows who had children of the Deceased in their care, 1 Widower and 12 Orphans.

Additionally, 34 Awards of Annuity payments were shared among 54 other Dependants.
The Recipients were all children of the deceased insured persons.

The Age Analysis of the Recipients of the Survivors’ Pension shows that the ages of the widows who had children of the deceased in their care ranged from 21 years to 44 years.

Their average age was 35years.

The age range of the widows who were 45 years and over was 45 years to 94 years.

Their average age was 60 years.

The ages of the Orphans ranged from 6 years to 47 years.

Their average age was 17 years.


One (1) of the Orphans received the Benefit on the grounds of being an Invalid.

The age of this Orphan was 47 years.

The age of the widower was 68 years.

The Widows who had children of the Deceased in their care had 212 children among them.

The ages of the children ranged from below 1 year to 17 years.

The average age of the children was approximately 10 years.
The Widows, who qualified for the Pension because they had children of the Deceased in their care, received an average monthly pension of $9,538.00, while the Widows who qualified because they were 45 years 2 7 GUYANA NATIONAL INSURANCE SCHEME of age and over received an average monthly pension of $5,787.00.

The Widower received an average monthly pension of $5,225.00, and the Orphans received an average monthly pension of $3,798.00.
At the beginning of the year, there were 7,948 Pensions in payment to 6,491 Widows who were 45 years and over, 1,415 Widows who had children of the Deceased in their care, 33 Orphans and 9 Widowers.

During the year, 652 Pensions were awarded and 152 Pensions were terminated.

Of the total terminated, 116 were due to the death of the Recipients, 28 Widows were recipients of either Old Age or Invalidity Pension, and 8 widows had remarried.
Additionally, 25 Pensions were altered due to the attainment of the age-limit of the children who were included in the Benefit, or the Widows who had died or remarried.

At the end of the year therefore, there were 8,448 Pensions in payment to 6,888 Widows who were 45 years of age and over, 1,505 Widows who had children of the Deceased in their care, 45 Orphans and 10 Widowers.

The Movement of Survivors’ Pensions is shown in Table 12 overleaf.
2 8 GUYANA NATIONAL INSURANCE SCHEME TABLE 12 MOVEMENT OF SURVIVORS’ PENSIONS 2002 DESCRIPTION WIDOWS OVER 45 YEARS WIDOWS WITH CARE OF CHILDREN ORPHANS WIDOWERS TOTAL No.

OF AVERAGE No.

OF AVERAGE No.

OF AVERAGE No.

OF AVERAGE No.
OF AVERAGE CASES RATE ($) CASES RATE ($) CASES RATE ($) CASES RATE ($) CASES RATE ($) Pensions in payment at the beginning of the year Pensions granted during the year Pensions terminated by (a) Death (b) Receipt of Old Age/ Invalidity Pension (c) Attaining Age 16 / 18 (d) Impediment to Marriage Alterations Pensions in payment as at 31-12-2002 6491 5,752 1415 7,432 33 4,361 9 5,225 7,948 6,045 545 5,787 94 9,538 12 3,798 1 5,225 652 6,290 113 28 - 7 5,177 5,500 - 5,157 3 - - 1 11 1,763 14 7,316 - - 6,142 1,999 - - - - - - - - - - - - - - - - - - - - 116 28 - 8 5,232 5,500 - 5,280 25 1,895 6,888 5,763 1,505 7,546 45 4,211 10 5,225 8,448 6,072 SURVIVOR’S GRANT There were 63 awards of Survivors’ Grants during 2002.
The awards were made to 35 males and 28 females.

The ages of the deceased ranged from 24 years to 69 years.

Their average age was approximately 38 years.

The Recipients of the Benefit included 26 Widows.

Three of the widows qualified for the benefit because they were over the age of 45 years, 8 because they had children of the deceased in their care and 15 were dependent widows under 45 years of age.
The remaining grants were awarded to other dependants of the deceased insured Persons and included 30 children.

The ages of the widows ranged from 26 years to 60 years.

Their average age was approximately 36 years.

A total of 30 children were included in the benefit payment.

Their ages ranged from below 1 year to 18 years.

Their average age was approximately 11 years.

2 9 GUYANA NATIONAL INSURANCE SCHEME The amounts paid out as Grants ranged from $137.00 to $226,200.00.
The average amount paid was $69,833.00.

During 2001, 85 Survivors’ Grants were awarded.

The 2002 total therefore, represent a decrease of approximately 26%.

FUNERAL GRANT During 2002, 1,393 claims for Funeral Benefit were processed.

Of this amount, 80 were not paid and 1,313 were paid.
Of the 80 cases which were not paid, 42 were submitted late, 23 did not satisfy the contribution requirement for the receipt of the benefit, 13 persons submitted duplicate claims and 2 did not provide sufficient information for the claim to be processed.

Of the 1,313 claims, which were paid, 1,014 or approximately 77% were related to males and 299 or approximately 23% were related to females.
The distribution of the Claims by employment category shows that 1,245 or approximately 95% were in respect of employed persons and 68 or approximately 5% were in respect of Self-employed Persons.

Of the 1,245 Claims paid in the employed category, 1,126 were on behalf of persons who were directly insured and 119 were on behalf of persons whose spouses were insured.

Similarly, in the self-employed category, 67 of the deceased were directly insured and 1 was the spouse of an insured person.
This is shown in Table 13 below.
TABLE 13 NUMBER OF FUNERAL CLAIMS PAID BY SEX, INSURED STATUS AND EMPLOYMENT CATEGORY 2002 DESCRIPTION EMPLOYED SELF-EMPLOYED DIRECTLY SPOUSE DIRECTLY SPOUSE INSURED INSURED INSURED INSURED BOTH CATEGORIES Males Females Males & Females 946 180 1,126 12 107 119 56 11 67 - 1 1 1,014 299 1,313 An age analysis of the Deceased shows that 47 or approximately 3% were in the age-group (16-30) years, 90 or approximately 7% were in the age-group (31-40) years and 166 or approximately 13% were in the age- group (41-50) years.
3 0 GUYANA NATIONAL INSURANCE SCHEME Additionally, 263 or approximately 20% were in the age-group (51-60) years and 747 or approximately 57% were over 60 years.

The average age of the deceased persons was 62 years.

Table L in the Annex shows the number of Funeral Benefit Claims paid by Age group, Employment Category, Sex and Insured Status.

The average amount paid as Funeral Benefit was $9,438.00.

The number of Funeral Claims paid in 2001 was 1,453.
The amount paid in 2002 represents therefore a decrease of approximately 10%.

Table 14 below shows the number of Funeral Claims paid during the period 1998 - 2002.

TABLE 14 NUMBER OF FUNERAL CLAIMS PAID 1998 - 2002 YEAR DIRECTLY INSURED SPOUSE INSURED BOTH CATEGORIES 1998 1999 2000 2001 2002 1,317 1,245 1,189 1,118 1,193 131 118 133 335 120 1,448 1,363 1,322 1,453 1,313 The Table shows an overall decreasing trend in the number of Funeral Claims paid during the period except for the increase in 2001.
SHORT TERM BENEFITS BRANCH SICKNESS BENEFIT During 2002, 28,548 Claims for Sickness Benefit were processed.

Of this amount 15,652 were not paid and 12,896 were paid.
Of the 15,652 claims which were not paid, 6,933 or approximately 44% were spells of less than 4 days duration, 3,024 or approximately 19% of the Claimants were fully paid by their Employers, 2,388 or approximately 15% of the Claimants provided insufficient information for the processing of their claims, 1,614 or approximately 10% did not satisfy the qualifying conditions for the receipt of the benefit and 662 or approximately 4% submitted duplicate claims.
Of the remaining 1,031claims, 354 submitted their claims late, 200 had received payment for the maximum period of 26 weeks, 259 were over 60 years, 156 submitted invalid medical certificates and 62 submitted invalid claims.

3 1 GUYANA NATIONAL INSURANCE SCHEME Of the 12,896 Claims, which were paid, 7,914 or approximately 61% were in respect of Males and 4,982 or approximately 39% were in respect of Females.
In addition, 11,512 or approximately 89% of the Awardees were Employed and 1,384 or approximately 11% were Self-employed Persons.

The ages of the recipients ranged from 16 years to 60 years.

The average age of the Male Recipients was 39 years and that of the Females, 37 years.

The overall average age was 38 years.


An age analysis reveals that 7,236 or approximately 56% were in the age-group (21-40) years, 5,427 or approximately 42% were in the age-group (41-60) years, while the remaining 233 or approximately 2% were in the age-group (16-20) years.

Table M in the Annex classifies the number of Sickness spells paid by Age Group, Employment Status and Sex.
An analysis of the spells paid by Sector shows that 2,430 or approximately 19% of the spells arose from workers in the Sugar Sector while 10,466 or approximately 81% arose from workers in the other industries combined.
An analysis of the spells paid by Diagnosis revealed that 2,901 or approximately 22% were due to conditions such as Accidents, Poisoning and Violence, 2,018 or approximately 16% were due to conditions such as Epilepsy, diseases of the Nerves and Urinary System and 1,927 or approximately 15% were due to diseases of the Respiratory System.
Diseases of and injury to the Eye and diseases of the Veins and Heart accounted for 525 and 942 or approximately 4% and 7% respectively of the spells paid, while complications of Pregnancy accounted for 449 or approximately 3%.

The entire classification of Sickness Spells by Diagnosis and Sector is given in Table N in the Annex.

The average duration of the spells paid was approximately 12 Benefit Days.
The average duration of spells in the Sugar Sector was 14 Benefit Days and in the other industries combined, 11 Benefit Days.

The average duration of spells paid to the Males was 12 Benefit Days and to the Females, 11 benefit days.

This is shown in Table 15 overleaf.


3 2 GUYANA NATIONAL INSURANCE SCHEME TABLE 15 NUMBER OF SICKNESS SPELLS PAID BY SEX, SECTOR AND AVERAGE DURATION 2002 DESCRIPTION SUGAR NON-SUGAR BOTH SECTORS NUMBER AVERAGE NUMBER AVERAGE NUMBER AVERAGE DURATION DURATION DURATION 2,104 326 2,430 14 11 14 5,810 4,656 10,466 12 11 11 7,914 4,982 12,896 12 11 12 Males Females TOTAL A total of 13,590 spells were paid during 2001.

The 2002 total of 12,896 represents a decrease of approximately 5% by comparison.
Table 16 below shows the average duration of spells and the percentage arising from the Sugar Sector during the period 1998 - 2002.
TABLE 16 NUMBER OF SICKNESS SPELLS PAID, AVERAGE DURATION AND PERCENTAGE ARISING FROM SUGAR SECTOR 1998 - 2002 DESCRIPTION Spells arising from Males Females 1998 1999 2000 2001 2002 8,746 6,437 7,676 5,112 8,294 5,483 8,014 5,576 7,9l4 4,982 Males and Females 15,183 12,788 13,777 13,590 12,896 Average duration (Benefit days) Percentage Arising from Sugar Sector 10 17 10 20 11 16 12 19 11 20 3 3 GUYANA NATIONAL INSURANCE SCHEME The Table shows a fluctuating trend in the number of spells paid and the percentage arising from the Sugar Sector, while the average duration has remained relatively stable.
SICKNESS BENEFIT MEDICAL CARE A total of 17,511 Claims for the reimbursement of Medical Expenses incurred through Sickness were paid during 2002.

Of this total, 9754 or approximately 56% were related to Males and 7,757 or approximately 44% to Females.

The Sugar Sector accounted for 3,402 or approximately 19% of the Claims, and the other Industries combined accounted for 14,109 or approximately 81%.
Of the Claims from the Sugar Sector, 2,908 or approximately 85% were from Males, and 494 or approximately 15% were from Females.

Correspondingly, the other Industries combined had 6,846 or approximately 48% Males and 7,263 or approximately 52% Females.

Table 17 below gives the distribution of Sickness Benefit Medical Care Claims by Sex and Sector.

TABLE 17 DISTRIBUTION OF PAID SICKNESS BENEFIT MEDICAL CARE CLAIMS BY SEX AND SECTOR 2002 DESCRIPTION SUGAR NON-SUGAR BOTH SECTORS NO.

PERCENTAGE NO.
PERCENTAGE NO.

PERCENTAGE NO.

PERCENTAGE MALES 2,908 FEMALES 494 85 15 6,846 7,263 49 51 9,754 7,757 56 44 MALES & FEMALES 3,402 100 14,109 100 17,511 100 The ages of the Claimants ranged from 16 years to 59 years.

The average age of the Males was 40 years and that of the Females, 38 years.

The overall average age was approximately 39 years.

Table O in the Annex gives the distribution of Sickness Benefit Medical Care Claims by Age Group, Sex and Sector.
An examination of the expenditure on Medical Care reveals that approximately 74% was expended on Out-patient care and approximately 26% on In-patient care.

3 4 GUYANA NATIONAL INSURANCE SCHEME An analysis of the total reimbursement reveals that approximately 46% was in relation to Drugs and dressing, approximately 9% was in respect of Orthopic and Prosthetic Care, approximately 8% was in respect of Medical Examinations and approximately 5% for treatment.
Further 4% each was expended on Specialist Care and Hospitalisation and the remaining approximately 24% was in relation to miscellaneous expenses.

This is shown in Table 18 below.

TABLE 18 PERCENTAGE DISTRIBUTION OF SICKNESS BENEFIT MEDICAL CARE EXPENDITURE BY TYPE OF CARE 2002 DESCRIPTION HOSP.

MED.

EXAM.

SPEC.

CARE In-Patient Care 3.8 Out-Patient Care - In and Out- Patient Care 3.8 0.9 6.8 7.7 2.1 2.4 4.5 DRUGS & DRESS.

7.6 38.7 46.3 TREAT -MENT ORTH.

& PROST.


CARE 1.4 4.1 5.5 - 8.6 8.6 MISCE LLAN- EOUS 10 TOTAL 25.8 13.6 74.2 23.6 100 The distribution by Sector shows that approximately 5% of the reimbursement of expenses for In- patient care arose from claimants in the Sugar Sector, while approximately 95% arose from claimants in the other Industries combined.
Similarly, for Out-patient care, approximately 11% of the expenses were reimbursed to claimants from the Sugar Sector and approximately 89% to claimants from the other Industries combined.

The average amount reimbursed was $8,572.

Of the 17,511 Claims, which were reimbursed, 10,860 had attached the payment of Sickness Benefit- replacement of income.

The remaining 6,651 were reimbursed for medical expenses only.

The number of Claims paid during 2001 was 10,296.


The 2002 total of 17,511 therefore represents an increase of approximately 70% by comparison.

3 5 GUYANA NATIONAL INSURANCE SCHEME OVERSEAS MEDICAL CARE A total of 193 claims were reimbursed for medical expenses incurred abroad.

Of this total, 134 or approximately 69% were to Males and 59 or approximately 31% to Females.

The total amount reimbursed was $47,756,935, of which $34,088,757 was paid to Males and $12,668,178 was paid to Females.
The average amount reimbursed was $247,445.

EXTENDED MEDICAL CARE One thousand and fifteen Claims were reimbursed for medical expenses under the Extended Medical Care Programme.

The Claims were made by or on behalf of Old Age and Invalidity Pensioners.

A total of 79 or approximately 8% of the Claims were made in respect of Eye Care, 112 or approximately 11% in respect of Dental Care and 824 or approximately 81% for other types of Medical Care.
Additionally, 768 or approximately 76% of the Claimants were males and 247 or approximately 24% were females.

The average amount expended for Eye Care was $8,074 and for Dental care, $10,649.

The overall average amount expended was $11,772.

During 2001, 935 Claims were paid.

The number of Claims paid during 2002 represents therefore an increase of approximately 8%.

MATERNITY ALLOWANCE During 2002, 1,959 Maternity Claims were paid to 1,899 Employed and 60 Self-employed women.
The age-distribution of the Recipients shows that 74 or approximately 4% were in the age-group (16-20) years, 598 or approximately 30% were in the age-group (21-25) years, 622 or approximately 32% were in the age group (26-30) years and 430 or approximately 22% were in the age group (31-35) years.

Further, 200 or approximately 10% were in the age-group (36-40) years and 35 or approximately 2% in the age-group (41-45) years.
The ages of the Recipients ranged from 16 years to 45 years and the average age was 28 years.

Table P in the Annex classifies the Maternity Allowances paid by Age Group, Employment Status and Benefit Days.
The distribution of cases paid by Benefit Days shows that, of the 1,908 cases which received normal Maternity Allowance, that is, payment up to a maximum of 13 Benefit Weeks, 759 or approximately 40% were paid for the full period of 13 weeks, 771 or approximately 40% were paid for periods ranging from 3 weeks to 12 weeks and 378 or approximately 20% were paid for periods ranging from 1 day to 17 days.
3 6 GUYANA NATIONAL INSURANCE SCHEME Fifty-one women were paid the Extended Maternity Allowance, having developed complications as a result of their pregnancy.

These Recipients were paid for additional periods ranging from 1 week to 6 weeks.

The average amount of Maternity Allowance was $50,164.00 and the average duration was 59 Benefit Days.

During 2001, 2,420 Claims for Maternity Allowance were paid.

The 2002 total of 1,959 represents therefore a decrease of approximately 19%.
The number of cases paid annually, along with the average duration for the period 1998 to 2002, is shown in Table 19 below.

TABLE 19 NUMBER OF MATERNITY ALLOWANCES PAID AND AVERAGE DURATION 1998 - 2002 DESCRIPTION Number of Cases Average Duration (Benefit Days) 1998 2,527 1999 2,312 2000 2,253 2001 2,420 2002 1,959 52 66 49 51 59 The Table above exhibits a fluctuating trend in both the number of cases paid and the average duration.
Table Q in the Annex shows the number of Maternity Allowances by Amount Paid and Benefit Days.

MATERNITY GRANT One thousand, nine hundred and fifty two claims for Maternity Grant were processed during 2002.

Of this amount, 1,590 were paid and 362 were not paid.

An analysis of the claims, which were not paid reveals that 284 Claimants submitted duplicate claims, 31 submitted duplicate medical certificates and 20 did not satisfy the contribution requirement for the receipt of the Benefit.
In addition, 27 claimants submitted invalid claims.

Of the 1,590 Claims that were paid, 1,428 or approximately 90% were paid to claimants who qualified for the Benefit in their own right and the remaining 162 or approximately 10% were paid to women whose spouses were insured and met the contribution requirement for the benefit.
3 7 GUYANA NATIONAL INSURANCE SCHEME The age analysis reveals that 40 or approximately 2% of the Recipients were in the age-group (16-19) years, 427 or approximately 27% were in the age-group (20-24) years and 485 or approximately 30% were in the age-group (25-29) years.

Further, the age-group (30-34) years accounted for 347 or approximately 22% of the Recipients, the age-group (35-39) years accounted for 219 or approximately 14%, and the age-group (40-44) years accounted for 65 or approximately 4%.
Seven recipients were in the age-group (45 - 59) years.

The average age of the Recipients was 29 years.

Table 20 below shows the number of Maternity Grants paid by Age group, Employment Category and Insured Status.
TABLE 20 NUMBER OF MATERNITY GRANTS PAID BY AGE GROUP, EMPLOYMENT CATEGORY AND INSURED STATUS 2002 AGE EMPLOYED SELF-EMPLOYED BOTH CATEGORIES TOTAL GROUP DIRECTLY SPOUSE DIRECTLY SPOUSE DIRECTLY SPOUSE INSURED INSURED INSURED INSURED INSURED INSURED 16-19 20-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 28 389 441 302 184 53 2 - - 12 31 36 37 27 12 2 1 1 - 5 7 8 8 - 1 - - TOTAL 1,399 159 29 - 2 1 - - - - - - 3 28 394 448 310 192 53 3 - - 12 33 37 37 27 12 2 1 1 40 427 485 347 219 65 5 1 1 1,428 162 1,590 The rate of Maternity Grant is presently fixed at $2,000.00.
The Recipients had amongst them 3,368 children under the age of eighteen years.

An age distribution of these children shows that 1,604 or approximately 48% were under 1 year old, 1,128 or approximately 33% were between the ages of 1 year and 5 years, 425 or approximately 13% were between the ages of 6 years and 10 years and 211 or approximately 6% were over 10 years old.

During 2001, 1,859 Maternity Grants were paid.

The 2002 total of 1,590 therefore represent a decrease of approximately 14%.
3 8 GUYANA NATIONAL INSURANCE SCHEME INDUSTRIAL BENEFITS BRANCH INJURY BENEFIT A total of 2,042 Claims for Injury Benefit were processed during 2002.

Of this amount, 381 were disallowed and 1,661 were allowed.
An examination of the spells which were disallowed reveals that 115 or approximately 30% were related to claimants who were incapacitated for less than 4 days, 94 or approximately 25% were spells where the claimants were fully paid by their employers, 60 or approximately 16% did not provide sufficient information for the processing of the claim and 46 or approximately 12% were spells that had reached the limit for the benefit, that is, 26 weeks of payment.
Further, 43 claimants submitted duplicate Claims, 5 claims were in respect of injuries not arising out of the course of insurable employment, 4 submitted claims late, 4 submitted invalid Medical Certificates and 10 claimants submitted invalid claims.

Of the 1,661 spells that were paid, 1,660 were terminated upon full recovery of the Insured Persons.

The average duration of these spells was approximately 15 Benefit Days.

The remaining 1 spell was terminated after the full period of 26 weeks.
This is shown in Table 21 overleaf.
3 9 GUYANA NATIONAL INSURANCE SCHEME TABLE 21 NUMBER OF INJURY SPELLS PAID BY REASON FOR TERMINATION, BENEFIT DAYS AND SEX 2002 REASON FOR TERMINATION MALES FEMALES MALES & FEMALES NUMBER OF CASES BENEFIT DAYS NUMBER OF CASES BENEFIT DAYS NUMBER OF CASES BENEFIT DAYS Recovery 1,591 23,694 69 1,820 1,660 25,514 Termination of Benefit after full 26 weeks period Provisional Disablement TOTAL 1 157 - 1,592 - 23,851 - - 69 - 1 157 - 1,820 - 1,661 - 25,671 There were 1,592 Male Recipients of the Benefit and 69 Females.
The distribution by Sector reveals that 1,208 or approximately 73% of the spells originated from workers in the Sugar Sector and consisted of 1,164 Males and 44 Females.

The remaining 453 or approximately 27% of the spells were from workers in the other Industries combined and consisted of 428 Males and 25 Females.

See Table 22 overleaf.


4 0 GUYANA NATIONAL INSURANCE SCHEME TABLE 22 NUMBER OF INJURY SPELLS PAID BY SEX AND SECTOR 2002 DESCRIPTION SUGAR NON-SUGAR BOTH SECTORS NUMBER OF CASES % NUMBER OF CASES % NUMBER OF CASES % Males 1,164 70 428 26 1,592 96 Females Males & Females 44 1,208 3 73 25 1 453 27 69 1,661 4 100 An age analysis shows that 966 or approximately 58% of the paid spells were related to persons in the age group (16-35) years and 685 or approximately 41% to the age group (36-60) years.
There were 7 persons who were over 60 years and 3 below 16 years.

The average age of the male Recipients was 34 years and that of the females, 40 years.

The overall average age was 34 years.

Table R in the Annex gives the number of Injury cases paid by Age group and Sex.

The average duration of the spells that were paid to males was 15 benefit days and that for the females, 18 benefit days.

The overall average duration was 15 benefit days.


The number of Injury spells paid by Benefit Days, Sector and Sex is given in Table S in the Annex.

The average amount paid as Injury Benefit was approximately $22,064.00.

A total of 2,136 Claims were paid during 2001.

The 2002 total therefore represent a decrease of approximately 22%.
The number of spells paid during the period 1998 to 2002, the percentage arising from the Sugar Sector and the average duration of these spells are shown in Table 23 overleaf.
4 1 GUYANA NATIONAL INSURANCE SCHEME TABLE 23 NUMBER OF INJURY SPELLS PAID, PERCENTAGE ARISING FROM THE SUGAR SECTOR AND AVERAGE DURATION OF SPELLS 1998 - 2002 DESCRIPTION Number of Spells 1998 2,407 1999 2,172 2000 2,618 2001 2,136 2002 1,661 Percentage Arising from Sugar Sector Average Duration (Benefit Days) 65 17 72 15 58 12 60 16 73 15 The Table above shows a fluctuating trend in the number of spells paid, the percentage arising from the Sugar Sector and average duration.
INJURY BENEFIT MEDICAL CARE Two thousand, six hundred and seven Claims for Injury Benefit Medical Care were paid during 2002.

The Recipients were 2,293 or approximately 88% Males and 314 or approximately 12% Females.

The distribution by Sector shows that 1,011 or approximately 39% of the claims were from workers in the Sugar Sector and 1,596 or approximately 61% were from workers in the other Industries combined.
Further analysis shows that the Recipients from the Sugar Sector comprised 971 Males and 40 Females, while those from the other Industries combined consisted of 1,322 Males and 274 Females.

This is shown in Table 24 below.

TABLE 24 NUMBER OF INJURY BENEFIT MEDICAL CARE CLAIMS PAID BY SEX AND SECTOR 2002 DESCRIPTION SUGAR NON-SUGAR BOTH SECTORS NO.

PERCENTAGE NO.

PERCENTAGE NO.


PERCENTAGE Males Females Males & Females 971 40 1,011 37 2 39 51 10 61 2,293 314 2,607 88 12 100 1,332 274 1,596 4 2 GUYANA NATIONAL INSURANCE SCHEME An age analysis shows that 2,544 or approximately 97% of the Recipients were between the ages of 16 years and 60 years while 63 Recipients were over 60 years of age.

The average age of the Male Recipients was approximately 37 years and that of the Females, 39 years.

The overall average age was 37 years.


Table T in the Annex shows the number of Injury Benefit Medical Care Claims paid by Age group, Sector and Sex.

An examination of the type of care extended shows that approximately 42% of the cost related to In- patient care and approximately 58% to Out-patient care.

Further, of the total expenditure, 2% was related to workers in the sugar sector who received In-patient care and 40% to workers in the other Industries combined.
Correspondingly, for Out-patient care, 8% was related to workers in the Sugar Sector and 50% to workers in the other Industries combined.

This is shown in Table 25 below.


TABLE 25 INJURY BENEFIT MEDICAL CARE COST BY SECTOR AND TYPE OF CARE (PERCENTAGE-WISE) 2002 TYPE OF CARE In-Patient Out-Patient TOTAL SUGAR 2 8 10 NON-SUGAR 40 BOTH SECTORS 42 50 90 58 100 A further analysis shows that approximately 19% of the reimbursements were in respect of Drugs and Dressing, approximately 18% each in respect of Treatment and Specialist Care, approximately 9% was for Medical Examination and approximately 7% for Hospitalization.
In addition, approximately 2% was for Traveling and Subsistence and 27% was for other expenses.

Fees to Medical Referees and such expenses as Laboratory and X-Ray accounted for less than 1% of the total expenses.

Table 26 overleaf shows the percentage distribution of Injury Benefit Medical Care cost by the Type of Care given.

4 3 GUYANA NATIONAL INSURANCE SCHEME TABLE 26 PERCENTAGE DISTRIBUTION OF INJURY BENEFIT MEDICAL CARE COST 2002 DESCRIPTION Hosp.

Med.

Exam.

Special Treat- Drugs Sub.


& Fees to Travel Medical & Care Referee Dressing ment Others Expenses Referee TOTAL In-Patient 6.6 1.22 15.03 8.73 5.15 - - 5.79 42.52 Out-Patient - 8.04 2.73 9.09 14.22 2.39 0.04 20.97 57.48 In and Out - Patient 6.6 9.26 17.76 17.82 19.37 2.39 0.04 26.76 100 Of the Claims paid, 2,041 or approximately 97% had attached the payment of Injury Benefit - Replacement of Income, while the remaining 566 were for Medical Expenses only.
During 2001, 2,122 Claims for Injury Benefit Medical Care were paid.

The 2002 total of 2,607 therefore represent an increase of approximately 23%.

OVERSEAS MEDICAL CARE Thirty-five claims, 30 from male insured persons and 5 from females were reimbursed for Injury Benefit Medical Care expenses incurred overseas.

The total reimbursement amounted to $26,564,342.

DISABLEMENT PENSION During 2002, 71 Disablement Pensions were awarded to 64 Males and 7 Females.
The age distribution reveals that 17 pensioners were in the age-group (16-29) years, 25 were in the age- group (30-44) years, 27 were in the age-group (45-59) years and 2 were in the age-group (60-74) years.

The average age of both the Males and Females was 40 years.

4 4 GUYANA NATIONAL INSURANCE SCHEME The Sugar Sector accounted for 39 of the Recipients, while the other Industries combined accounted for 32 Recipients.
The 39 Recipients in the Sugar Sector comprised 35 males and 4 females, while those in the other Industries combined comprised 29 males and 3 females.

An analysis by Percentage of Disability shows that 64 or approximately 90% of the pensioners were assessed at disabilities ranging from 20% to 40%, 3 or approximately 4% were assessed at 50% disability and 1 each or approximately 1% each were assessed at 60% , 70%, 90%, and 100% disability.

This is shown in Table 27 below.
TABLE 27 DISABLEMENT PENSIONS BY PERCENTAGE OF DISABILITY, SECTOR AND SEX 2002 PERCENTAGE OF DISABILITY SUGAR NON-SUGAR BOTH SECTORS MALES FEMALES TOTAL MALES FEMALES TOTAL MALES FEMALES TOTAL 20 30 40 50 60 70 80 90 100 22 5 6 1 - 1 - - - TOTAL 35 3 1 - - - - - - - 4 25 6 6 1 - 1 - - - 7 6 11 2 1 - - 1 1 39 29 2 1 - - - - - - - 3 9 7 11 2 1 - - 1 1 29 11 17 3 1 1 - 1 1 32 64 5 2 - - - - - - - 7 34 13 17 3 1 1 - 1 1 71 The distribution by nature of disability reveals that 16 cases resulted from Amputations, 10 from Fractures, 9 from Injuries to the eyes, 5 from Sprains and Strains and 3 from cuts and lacerations.
Further, 2 cases each resulted from Burns and Scalds and Post Traumatic Paralysis of Joints, Limbs or other parts of the body.

The remaining 22 cases were as a result of Other Injuries.

Table 28 overleaf gives the number of Disablement Pensions awarded by Nature of Disability and Location of Injury.
4 5 GUYANA NATIONAL INSURANCE SCHEME TABLE 28 NUMBER OF DISABLEMENT PENSIONS BY NATURE OF DISABILITY AND LOCATION OF INJURY 2002 NATURE OF DISABILITY Head Trunk Eyes Others Upper Extremities Others Fingers TOTAL Lower Extremities Legs & Feet Injuries Not Specifically Located in any part of the Body Cuts and Lacerations Fractures Injury to Eye Amputations Head Injuries Sprains and Strains Burns & Scalds Post-Traumatic Paralysis of Limbs or Parts of the Body Other Injuries TOTAL - - 9 - - - - - - 9 - 1 - - 2 - - - - 3 - 1 - - - 4 - - 12 17 1 - - 11 - - - 1 1 - 4 - 2 - - - - 5 2 4 - 3 - 1 - 1 4 14 11 15 - - - - - - 2 - - 2 3 10 9 16 2 5 2 2 22 71 The Table above shows that 25 or approximately 35% of the disabilities were confined to the upper Extremities, 17 or approximately 24% to the trunk, 15 or approximately 21% to the lower extremities and 12 or approximately 17% were confined to the Head.
There were 2 cases where the disabilities were not specifically confined to any particular part of the body.

4 6 GUYANA NATIONAL INSURANCE SCHEME Twenty-six (26) Cases resulted from persons falling, 10 from power driven means of transport, 8 from the use of Hand tools (other than cutlasses) and 6 from falling objects.
Further, 5 cases were as a result of persons striking or coming into contact with objects, 4 from flying objects and 2 each were from Fire and Explosions, power driven machinery and contact with animals.

In addition three (3) cases each were as a result of the use of cutlasses and other causes.

The Occupational Analysis shows that 44 or approximately 62% of the Awardees were Manual Workers, 15 or approximately 21% were Technical and Craft Workers, and 12 or approximately 17% were Clerical Workers.
The average monthly amount awarded was approximately $6,531.00.

Table U in the Annex gives the number of Disablement Pensions awarded by Nature of Disability and Total Monthly Amount.

A total of 84 Disablement Pensions were awarded during 2001.

The 2002 total of 71 represents therefore a decrease of approximately 15%.

The number of Disablement Pensions awarded over the period 1998 - 2002 is shown in Table 29 below.
TABLE 29 NUMBER OF DISABLEMENT PENSIONS AWARDED ANNUALLY 1998 - 2002 DESCRIPTION 1998 1999 2000 2001 2002 SUGAR NON-SUGAR BOTH SECTORS 23 38 61 31 37 68 24 30 54 46 38 84 39 32 71 The Table above displays a fluctuating trend in the number of Disablement Pensions awarded annually.

At the beginning of the year, there were 1,654 Pensions in payment to 1,478 males and 176 females at an average monthly rate of $2,541.
During the year, 71 Pensions were awarded and 27 were terminated due to the death of the Recipients.

At the end of the year therefore, there were 1,698 Pensions in payment to 1,519 Males and 179 Females at an average monthly rate of $2,712.

Table 30 overleaf shows the Movement of Disablement Pensions during 2002.
4 7 GUYANA NATIONAL INSURANCE SCHEME TABLE 30 MOVEMENT OF DISABLEMENT PENSIONS 2002 DESCRIPTION MALES FEMALES TOTAL NUMBER OF CASES AVERAGE AMOUNT ($) NUMBER OF CASES AVERAGE AMOUNT ($) NUMBER OF CASES AVERAGE AMOUNT ($) Pensions in payment at the beginning of the year Pensions granted during the year Pensions terminated during the year Pensions in payment as at 31-12-2002 1,478 2,574.00 176 2,267.00 1,654 2,541.00 64 6,752.00 23 2,481.00 7 4 4,510.00 71 6,531.00 1,103.00 27 2,227.00 1,519 2,751.00 179 2,381.00 1,689 2,712.00 DISABLEMENT GRANT During the year under review, 48 Disablement Grants were awarded to 41 males and 7 females.
The average age of the Males was 38 years and that of the Females, 40 years.

The overall average age was 38 years.

The Sugar Sector accounted for 22 or approximately 46% of the recipients while the other industries combined accounted for 26 or approximately 54 %.

This is shown in Table 31 overleaf.


4 8 GUYANA NATIONAL INSURANCE SCHEME TABLE 31 NUMBER OF DISABLEMENT GRANTS PAID BY SEX AND SECTOR 2002 DESCRIPTION SECTOR BOTH SECTORS Males Females Total SUGAR NON-SUGAR 21 1 22 20 6 26 41 7 48 An analysis by Nature of Injury shows that 11 Awardees suffered from Fractures, 5 from Cuts and Lacerations, 3 from Post Traumatic Ankylosis of Joints and 2 each from Dislocation and Sprains and Strains.
Further, 1 person suffered Injury to the eye and 24 suffered other injuries.

See Table 32 overleaf.
4 9 GUYANA NATIONAL INSURANCE SCHEME TABLE 32 NUMBER OF DISABLEMENT GRANTS PAID BY NATURE OF DISABILITY AND LOCATION OF INJURY 2002 LOCATION OF INJURY Nature of Disability Head Upper Extremities Lower Extremities Trunk & other Uro- Genital Organs Total General Injury– not located in any particular part of the Body Eyes Others Fingers Others Legs & Feet Cuts & Lacerations - Dislocations Fractures Injury to Eye Sprains & Strains Post Traumatic Ankylosis of Joints Other Injuries TOTAL - - 1 - - - 1 - - - - - - 1 1 - - 1 - - 1 4 6 3 - - - - - 7 1 2 6 - 1 - 3 1 - 4 - 1 2 8 10 13 16 - - - - - - 1 1 5 2 11 1 2 3 24 48 The Table also shows that 23 of the Awardees suffered Injuries that were confined to the Upper Extremities, 16 to the Lower Extremities, 6 to the Trunk, 2 to the Head and 1 to other unspecified parts of the body.
An analysis by Cause of Accidents reveals that 26 of the Injuries sustained resulted from persons falling, 13 from persons coming into contact with objects, 4 from falling objects and 2 from the use of Cutlasses.

Further, 1 each of the injuries resulted from flying objects and Power Driven means of Transport and 1 was as a result of other injuries.
The distribution by Degree of Disability shows that 23 persons were assessed at 10% disability, 7 at 5% disability, 5 at 14% disability and 4 at 12% disability.

Further, 3 persons were assessed at 6% disability, 2 each at 7% disability and 9% disability and 1 each at 4% disability and 11% disability.

This is shown in Table 33 overleaf.
5 0 GUYANA NATIONAL INSURANCE SCHEME TABLE 33 NUMBER OF DISABLEMENT GRANTS PAID BY PERCENTAGE OF DISABILITY, SEX AND SECTOR 2002 NON-SUGAR Males Females Total Males Females Total Males Females Total BOTH SECTORS SUGAR Percentage of Disability - - - 4 - 2 - - 9 - 3 - 3 TOTAL 21 - - - - - - - - 1 - - - - 1 - - - 4 - 2 - - 10 - 3 - 3 - - 2 3 - - 2 9 1 1 - 2 22 20 - - 1 1 - - - - 4 - - - - 6 - - 1 3 3 - - 2 - - - 6 3 2 - 2 13 18 1 1 - 2 1 4 - 5 26 41 - - - 1 - - - - 5 - - - - 7 - - 1 7 3 2 - 2 23 1 4 - 5 48 The average amount paid as Disablement Grant was $136,995.00.
During 2001, 68 Disablement Grants were awarded.

The 2002 total of 48 therefore represents a decrease of approximately 29%.

Table V in the Annex classifies the number of Disablement Grants paid by age Group, Sex and Amount Paid.

INDUSTRIAL DEATH PENSION Five Industrial Death Pensions were awarded during 2002.

The Recipients were 3 Widows who had the children of the Deceased in their care, 1 Widow who was over 45 years of age and 1 parent of the deceased.
5 1 GUYANA NATIONAL INSURANCE SCHEME The ages of the Deceased ranged from 31 years to 56 years.

Their average age was 42 years.

The ages of the Widows who had the children of the Deceased in their care ranged from 31 years to 46 years.

Their average age was 40 years.

The ages of the children who were included in the Benefit ranged from 5 years to 14 years.

Their average age was approximately 10 years.

The age of the Widow who qualified because she was over 45 years of age was 55 years.
Two of the Deceased Insured Persons were in the Sugar Sector while 3 were in the other Industries combined.

An examination of the Nature of Injury that resulted in the deaths shows that 1 person died from punctured wounds, 1 from burns and scalds and 3 as a result of multiple injuries.

An analysis by Cause of Accident reveals that 1 death was due to power driven means of transport, 1 from fire or explosion, 1 from electric shock and 2 from other causes.

This is shown in table 34 overleaf.
5 2 GUYANA NATIONAL INSURANCE SCHEME TABLE 34 NUMBER OF INDUSTRIAL DEATHS BY NATURE OF INJURY AND CAUSE OF ACCIDENT 2002 NATURE OF INJURY CAUSE OF ACCIDENT POWER D R I V E N MACHINERY MEANS OF TRANSPORT P R I M E MOVER POWER D R I V E N ACCIDENTS CAUSED OTHERWISE THAN BY MACHINERY, HANDLING GOODS OR MEANS OF TRANSPORT FIRE OR EXPLOSION PERSON FALLING ANIMALS FALLING OBJECTS Punctured Wounds (Gunshots) Burns and Scalds Other Injuries (Multiple Injuries) TOTAL - - - - - - 1 1 - 1 - 1 - - - - - - - - - - - - STRIKING AGAINST O R COMING INTO CONTACT WITH OBJECTS - - - - Electrical Shock Other Causes TOTAL - - 1 1 1 - 1 2 1 1 3 5 Table W in the Annex gives a distribution of Industrial Death Pensions by Nature of Injury and Condition of Award.
At the beginning of the year, there were 462 Industrial Death Pensions in payment to 384 Widows, 62 Parents and 16 Orphans.

During the year, 5 new pensions were paid at an average monthly rate of $12,470.00.

Moreover, four (4) Pensions paid to Widows and 1 to an Orphan were terminated due to death of the Recipients.

At the end of the year therefore, there were 462 Pensions in payment to 384 Widows, 63 Parents and 15 Orphans.

The Movement of Industrial Death Pensions is shown in Table 35 below.
5 3 GUYANA NATIONAL INSURANCE SCHEME TABLE 35 MOVEMENT OF INDUSTRIAL DEATH PENSIONS 2002 WIDOWS NO.

AVERAGE AMOUNT PAID ($) PARENTS NO.

AVERAGE AMOUNT PAID ($) ORPHANS NO.

AVERAGE AMOUNT PAID ($) TOTAL NO.
AVERAGE AMOUNT PAID ($) 384 7,669 62 5,727 16 3,725 462 7,272 4 4 - 14,281 7,226 - 1 - - 5,225 - - - 1 - - 2,724 - 5 5 - 12,470 6,326 - 384 7,742 63 5,719 15 3,792 462 7,338 DESCRIPTION Pensions in payment at the beginning of the year Pensions granted during the year Pensions terminated during the year Alterations Pensions in payment as at 31-12-2002 Figure III overleaf allows a comparison of all benefits payments for the years 2001 and 2002 MEDICAL ADJUDICATION OF CLAIMS During 2002, a total of 14,433 persons were seen by Personnel of the Medical Department.
Of this total, 11,888 were seen in homes, 845 at Hospitals and 1,700 were seen by the Medical Advisor of the Organization.

CASES REFERRED TO MEDICAL BOARD (INDUSTRIAL) The Industrial Medical Board dealt with 145 cases during the year under review.

This total comprised 79 new cases and 66 review cases, that is, cases that were previously placed before the Board but required follow up action.
The results of the determinations reveal that 46 persons were considered fit for work with Permanent Partial Disability, 60 was referred for further treatment and 28 were considered completely fit for work.

Further, 11 cases were not processed due to the absence of the claimants.

5 4 GUYANA NATIONAL INSURANCE SCHEME 5 5 GUYANA NATIONAL INSURANCE SCHEME The number of cases placed before the Industrial Medical Board during the period 1998 to 2002 is shown in Table 36 below.
TABLE 36 CASES PLACED BEFORE MEDICAL BOARD (INDUSTRIAL) 1998 - 2002 DESCRIPTION 1998 1999 2000 2001 2002 Number of Cases Boarded Medical Treatment Recommended Cases Awarded Disablement Benefit Medical Treatment Not Recommended Cases Struck Off Claimants Absent Percentage Genuine Cases 138 120 147 126 145 53 54 31 - - 78 21 50 35 - 14 59 43 42 31 - 31 59 57 38 25 - 6 75 60 46 28 - 11 73 The Table above shows a declining trend in the number of genuine cases placed before the Medical Board during the period 1998 to 2000 and then a reversal.
CASES REFERRED TO MEDICAL BOARD (NON INDUSTRIAL) During the year under review, 258 Non-Industrial cases were placed before the Medical Board.

This total consisted of 181 new cases and 77 cases that were up for review.

The results of the determinations show that 80 persons were recommended for further treatment, of which 12 were referred for medical attention overseas.

Further, 106 cases were disallowed, 44 persons were deemed invalids and 1 was recommended for a change in benefit.
In addition, 27 cases were not processed due to the absence of the claimants.

5 6 GUYANA NATIONAL INSURANCE SCHEME MEDICAL TREATMENT ABROAD A total of 109 Insured Persons were given permission to seek medical treatment abroad and were reimbursed a maximum of 80% of their Medical Expenses subject to a ceiling of $801,800.

The distribution by country of treatment reveals that 81 persons went to Trinidad, 11 to the United States of America, 10 to Barbados and 3 each to Canada and Cuba.
Further, 1 person went to England.

The main reasons for Overseas Treatment were Heart and Kidney Diseases, Malignant conditions and various Technical conditions.

VISITS BY NURSES A total of 12,894 visits were made by Nurses / Sick Visitors of the Medical Department during 2002.

Of this total, 12,452 were made to the homes of Insured Persons and 442 to hospitals.
The number of persons seen amounted to 11,888 of which approximately 77% were Pensioners and approximately 23% were claimants or prospective claimants.

Table 37 below shows the number of visits made by the Nurses / Sick Visitors during the period 1998 to 2002.
TABLE 37 VISITS MADE BY NURSES/SICK VISITORS 1998 – 2002 DESCRIPTION 1998 1999 2000 2001 2002 Number of visits 20,829 18,629 13,168 4,327 12,894 The Table above shows a decreasing trend in the number of visits made since 1998, followed by an increase in 2002.

APPEALS TO TRIBUNAL During 2002, there were 1,192 appeals for processing.

Of this total, 534 were brought forward from 2001 and 658 were received during 2002.

Eight appeals were withdrawn during the year.


Old Age Benefit accounted for 691 or approximately 58% of the appeals and Sickness Benefit accounted for 301 or approximately 25%.

The Appeals Tribunal adjudicated on 206 of the appeals, of which 15 were allowed, 110 disallowed and 81 adjourned.

Further, the General Manager reviewed and allowed 286 appeals.

At the end of the year therefore, there were 773 appeals outstanding.
5 7 GUYANA NATIONAL INSURANCE SCHEME ESTABLISHMENT AND ORGANISATION STAFFING At the beginning of the year, the Organization had in its employ *482 Staff, consisting of 449 Permanent and *33 Temporary Employees.

During the year, 79 persons, comprising 13 permanent and 66 temporary employees were recruited.

There were 49 exits, consisting of 25 persons from the permanent category and 24 from the temporary category.

In addition 27 temporary employees were appointed to permanent positions.
A breakdown of the exits from the permanent category shows that 17 persons had resigned, 4 had their services terminated, 2 were dismissed and 2 retired.

At the end of the year therefore, there were 545 employees on roll, of which 497 were permanent and 48 were temporary.

* Adjusted Figures TRAINING During 2002, a total of 42 training programmes were mounted for employees of the Scheme, of which 25 were internal training programmes and 17 were external courses sponsored by agencies within the country.
This resulted in 530 employee exposures through internal programmes, and 23 employee exposures through external programmes.

The internal programmes comprised training sessions in areas of Employees’ Orientation, Human Resource Management, Supervisory Skills, Occupational Safety and Health, promoting the image of National Insurance Scheme, constructive discipline and claiming and processing of Benefits, among others.
The external programmes comprised exposures in areas of Computer based office Practice, Deduction of Tax/NIS from emoluments, Health Seminars, Computer Software, Human Resource Management, Safety Procedures and Information and Library Technicians Programmes, among others.
The courses were sponsored mainly by the Ministry of Health, The Business School, Human Resource Practitioners Association, Guyana Training Agency and Guyana Library Association in collaboration with the Institute of Distant and Continuing Education (IDCE) Eight (8) employees concluded studies at the University of Guyana during the year.

A breakdown of the Awards received shows that 5 persons were awarded the Degree in Public Management and 2 were awarded the Diploma in the same discipline.
The remaining 1 employee was awarded the Degree in Social Work.

Eighteen (18) Lecture / Discussion Sessions were held for employers and employees from the Private and Public Sector on matters pertaining to National Insurance Regulations and Procedures.

A total of 417 persons attended these programmes.

5 8 GUYANA NATIONAL INSURANCE SCHEME Part 2 INCOME AND EXPENDITURE INCOME Income received from all sources during 2002 amounted to approximately $7,210M.
This amount was made up as follows: CONTRIBUTIONS INVESTMENT INCOME OTHER INCOME G $ 000 - - - ——————— 5,544,283 1,574,900 90,728 7,209,911 ——————— The income was distributed among the three (3) Benefit Branches as follows: DESCRIPTION LONG TERM SHORT TERM INDUSTRIAL TOTAL Contributions 3,836,644 1,014,604 693,035 5,544,283 Investment Income 1,172,985 Other Income 30,243 152,923 30,242 248,992 1,574,900 30,243 90,728 TOTAL 5,039,872 1,197,769 972,270 7,209,911 * Figures in G $ 000 During 2001, the total income received was approximately $7,050M.
The income for 2002 therefore, represents an increase of approximately 2.3%.

The income received during 2001 and 2002, is compared overleaf.

5 9 GUYANA NATIONAL INSURANCE SCHEME DESCRIPTION YEAR 2001 2002 PERCENTAGE INCREASE Contributions 5,095,951 5,544,283 Investment Income 1,936,937 1,574,900 Other Income 16,982 90,728 TOTAL 7,049,870 7,209,911 8.8 -18.69 434.26 2.3 * Figures in G $ 000 EXPENDITURE Total Expenditure during 2002 amounted to approximately $5,305M.
Of this amount, approximately $4,475M was expended on Benefit Payments and approximately $829M on Administrative Expenses.

An analysis of the Benefit Payments shows that the Long Term Branch accounted for $3,544M or approximately 79% of the total Benefit Expenditure, with Old Age Benefit accounting for $2,768M.

The Short Term Branch accounted for $715M or approximately 16%, while the Industrial Benefit Branch accounted for $216M or approximately 5% of the amount expended on Benefit Payments.
The Table overleaf shows the distribution of Benefit Expenditure among the three (3) Branches.
BENEFIT BRANCH AMOUNTS ($ 000) PERCENTAGE OF BENEFIT EXPENDITURE PERCENTAGE OF TOTAL EXPENDITURE LONG TERM 3,544,111 SHORT TERM INDUSTRIAL TOTAL 714,906 216,344 4,475,361 79 16 5 100 67 13 4 84 6 0 GUYANA NATIONAL INSURANCE SCHEME The Table also shows that the Long Term Benefit Branch accounted for approximately 67% of the total Expenditure, the Short Term Branch approximately 13%, and the Industrial Branch approximately 4%.
The amounts expended on Benefits during 2001 and 2002 are compared in the Table below.

BENEFIT BRANCH AMOUNT EXPENDED DURING PERCENTAGE INCREASE 2001 2002 LONG TERM 3,147,646 SHORT TERM INDUSTRIAL TOTAL * Figures in G $ 000 703,515 172,613 4,023,774 3,544,111 714,906 216,344 4,475,361 12.6 1.6 25.3 11.2 The table above shows an increase of approximately 11% in total Benefit Payments between the years 2001 and 2002.

Administrative Expenses amounted to approximately $829M.
This represents an increase of approximately 9.5% over the 2001 total of approximately $757M.

6 1 GUYANA NATIONAL INSURANCE SCHEME NATIONAL INSURANCE FUND At the beginning of the year, the National Insurance Fund was $19,569M.

Income received during the year totaled $7,210M, while Expenses amounted to $5,305M.

The Fund therefore realised a surplus of $1,774M which, when added to the Fund at the beginning of the year, amounted to $21,343M.
The Fund as at 31.12.2002 was represented as follows: Fixed Assets valued at $ 000 721,804 Investments valued at 19,887,327 Net current assets valued at 733,957 National Insurance Fund 21,343,088 6 2 GUYANA NATIONAL INSURANCE SCHEME FIGURE IV INCOME AND EXPENDITURE 2002 0.9 B 6 3 GUYANA NATIONAL INSURANCE SCHEME NATIONAL INSURANCE SCHEME FINANCIAL STATEMENTS 31 DECEMBER 2002 Contents Auditors’s Report Statement of Changes in Reserves Income and Expenditure Account Balance Sheet Cash Flow Statement Notes on the accounts I N D E X Page Nos.
65 66 67 68 69 (70 - 82) 6 4 GUYANA NATIONAL INSURANCE SCHEME 6 5 GUYANA NATIONAL INSURANCE SCHEME 6 6 GUYANA NATIONAL INSURANCE SCHEME 6 7 GUYANA NATIONAL INSURANCE SCHEME 6 8 GUYANA NATIONAL INSURANCE SCHEME 6 9 GUYANA NATIONAL INSURANCE SCHEME 7 0 GUYANA NATIONAL INSURANCE SCHEME 7 1 GUYANA NATIONAL INSURANCE SCHEME 7 2 GUYANA NATIONAL INSURANCE SCHEME 7 3 GUYANA NATIONAL INSURANCE SCHEME 7 4 GUYANA NATIONAL INSURANCE SCHEME 7 5 GUYANA NATIONAL INSURANCE SCHEME 7 6 GUYANA NATIONAL INSURANCE SCHEME 7 7 GUYANA NATIONAL INSURANCE SCHEME 7 8 GUYANA NATIONAL INSURANCE SCHEME 7 9 GUYANA NATIONAL INSURANCE SCHEME 8 0 GUYANA NATIONAL INSURANCE SCHEME 8 1 GUYANA NATIONAL INSURANCE SCHEME 8 2 GUYANA NATIONAL INSURANCE SCHEME PART 3 TABLES IN ANNEX TABLE DESCRIPTION PAGE A B C D E F G H I J K L NUMBER OF EMPLOYEES REGISTERED BY INDUSTRY AND SIZE - 2002 NUMBER OF EMPLOYED REGISTRANTS BY AGE GROUP, SEX AND MARITAL STATUS - 2002 NUMBER OF EMPLOYED REGISTRANTS BY INDUSTRY AND SEX - 2002 NUMBER OF SELF EMPLOYED REGISTRANTS BY INDUSTRY AND SEX - 2002 NUMBER OF SELF EMPLOYED REGISTRANTS BY AGE GROUP, SEX AND MARITAL STATUS - 2002 NUMBER OF OLD AGE PENSIONS AWARDED BY AGE, SEX AND CONTRIBUTION (PAID AND CREDITED) - 2002 NUMBER OF OLD AGE PENSIONERS ON STREAM BY AGE, EMPLOYMENT STATUS AND SEX AS AT 31.12.2002 NUMBER OF OLD AGE GRANTS AWARDED BY AGE, SEX AND EMPLOYMENT STATUS - 2002 NUMBER OF INVALIDITY PENSIONS GRANTED BY AGE, SEX AND NUMBER OF CONTRIBUTIONS (PAID AND CREDITED) - 2002 NUMBER OF INVALIDITY GRANTS AWARDED BY AGE, SEX, NUMBER OF CONTRIBUTIONS (PAID AND CREDITED) AND AMOUNT PAID - 2002 NUMBER OF SURVIVORS’ PENSIONS BY AGE GROUP AND CONDITION OF AWARD - 2002 NUMBER OF FUNERAL CLAIMS PAID BY AGE GROUP, EMPLOYMENT CATEGORY, SEX AND INSURED STATUS OF THE DECEASED - 2002 8 3 85 86 87 88 89 90 91 92 93 94 95 96 GUYANA NATIONAL INSURANCE SCHEME TABLE DESCRIPTION PAGE TABLES IN ANNEX (Cont’d) M N O P Q R S T U V W NUMBER OF SICKNESS SPELLS PAID BY AGE GROUP, EMPLOYMENT CATEGORY AND SEX OF RECIPIENTS - 2002 NUMBER OF SICKNESS
 SPELLS PAID BY DIAGNOSIS AND SECTOR - 2002 NUMBER OF SICKNESS BENEFIT MEDICAL CARE CLAIMS PAID BY AGE GROUP, SECTOR AND SEX - 2002 NUMBER OF MATERNITY ALLOWANCES PAID BY AGE GROUP, EMPLOYMENT STATUS AND BENEFIT DAYS - 2002 NUMBER OF MATERNITY ALLOWANCES PAID BY BENEFIT DAYS AND AMOUNT - 2002 NUMBER OF INJURY SPELLS PAID BY AGE GROUP AND SEX - 2002 NUMBER OF INJURY BENEFIT CASES PAID BY BENEFIT DAYS, SEX AND SECTOR - 2002 NUMBER OF INJURY BENEFIT MEDICAL CARE CLAIMS PAID BY AGE GROUP, SECTOR AND SEX - 2002 NUMBER OF DISABLEMENT PENSIONS BY NATURE OF DISABILITY AND AMOUNT PAID - 2002 NUMBER OF DISABLEMENT GRANTS BY AGE GROUP, SEX AND AMOUNT PAID - 2002 ANALYSIS OF INDUSTRIAL DEATHS BY CONDITION OF AWARD AND NATURE OF INJURY - 2002 97 98 100 101 102 103 104 105 106 107 108 8 4 GUYANA NATIONAL INSURANCE SCHEME 0 0 0 8 5 GUYANA NATIONAL INSURANCE SCHEME 8 6 GUYANA NATIONAL INSURANCE SCHEME 8 7 GUYANA NATIONAL INSURANCE SCHEME 8 8 GUYANA NATIONAL INSURANCE SCHEME 8 9 GUYANA NATIONAL INSURANCE SCHEME 9 0 GUYANA NATIONAL INSURANCE SCHEME 9 1 GUYANA NATIONAL INSURANCE SCHEME 9 2 GUYANA NATIONAL INSURANCE SCHEME 9 3 GUYANA NATIONAL INSURANCE SCHEME ) I D E T D E R C D N A D A P I ( I S N O T U B R T N O C I F O R E B M U N , X E S , ) $ ( I D A P .
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0 0 9 2 3 9 3 1 , 5 0 2 0 - - 5 2 5 - - - 1 - GUYANA NATIONAL INSURANCE SCHEME 9 5 GUYANA NATIONAL INSURANCE SCHEME 9 6 GUYANA NATIONAL INSURANCE SCHEME 9 7 GUYANA NATIONAL INSURANCE SCHEME 9 8 GUYANA NATIONAL INSURANCE SCHEME 9 9 GUYANA NATIONAL INSURANCE SCHEME 100 GUYANA NATIONAL INSURANCE SCHEME 101 GUYANA NATIONAL INSURANCE SCHEME 102 GUYANA NATIONAL INSURANCE SCHEME 103 GUYANA NATIONAL INSURANCE SCHEME 104 GUYANA NATIONAL INSURANCE SCHEME 105 GUYANA NATIONAL INSURANCE SCHEME 106 GUYANA NATIONAL INSURANCE SCHEME 107 GUYANA NATIONAL INSURANCE SCHEME Puncture Wounds (Gubshot) (Gunshot) Burns and Scalds Other Injuries (Multiple Injuries) 108 GUYANA NATIONAL INSURANCE SCHEME Anniversary 2002 - Georgetown staff visits the Mahaicony Local Office on their way to Berbice Anniversary 2002 - Georgetown staff visits the New Amsterdam Local Office during a tour to Berbice 109 GUYANA NATIONAL INSURANCE SCHEME Chairman of the Board, General Manager (ag) and other Senior Managers at the NIS Board/ Management Second Public Relations Outreach at Leonora - August 2002 Participants at the Second NIS Board/ Management - Public Relations Outreach at Leonora - August 2002 110 GUYANA NATIONAL INSURANCE SCHEME NOTES 111 GUYANA NATIONAL INSURANCE SCHEME NOTES 112