Understanding how social security contributions work in Rwanda is essential for both employers and employees. These contributions provide financial protection in retirement, during illness, after workplace injuries, and when taking maternity leave.
Key Social Security Schemes in Rwanda
1. Pension Scheme
Contribution: 6% of gross salary
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3% by the employer
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3% by the employee
Covers: Retirement benefits, disability, and survivor pensions.
2. Occupational Hazards Insurance
Contribution: 2% of salary
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Paid by the employer only
Covers: Work-related injuries, medical care, disability, and death benefits.
3. Medical Insurance
Contribution: 15% of gross salary
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7.5% by the employer
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7.5% by the employee
Covers: General healthcare and hospitalization.
4. Maternity Leave Benefits
Contribution: 0.6% of salary
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0.3% by the employer
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0.3% by the employee
Covers: Paid maternity leave and post-delivery support.
5. Voluntary Long-Term Savings (Ejo Heza)
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Open to all workers, including those in informal sectors
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Flexible contributions
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Supports retirement savings and includes added insurance benefits for eligible members
Staying Compliant
Employers are required to:
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Register employees with the social security system
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Declare and pay contributions monthly
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Adhere to payment deadlines to avoid penalties
Rwanda’s social security system plays a key role in protecting the welfare of workers and their families. By understanding your obligations and rights, you can better plan for the future and ensure compliance with national regulations.
Need assistance with payroll or contribution compliance?
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