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Social Security and WelfareBack to top Back to main Skip to menu
Ecuador - Social Security and Welfare
In order to claim the old age pension a worker must be at least 55 years of age and have a minimum of 30 years contributions. If you choose to retire later at the age of 65 the minimum contributions drops to 15 years although an additional option of retiring at 60 with 30 years of contributions is planned. There are circumstances under which a person can retire earlier, although this depends on personal situation and the number of contributions.
There are several sickness benefits available and these include a permanent disability pension, a temporary disability allowance and sickness benefit. Which one of these you would qualify for depends upon the severity of the illness or injury and whether or not you would be able to work again in the future. If a person is injured at work then they do not have to have a minimum number of contributions and are covered immediately although a work related illness (for example an illness contracted by those working with asbestos) does require a minimum of 6 months of contributions.
Maternity benefits are paid to those who have worked and made contributions for a minimum of 360 days prior to the beginning of maternity leave. The amounts that are paid out in all of these benefits are calculated on the average salary earned prior to finishing work, so everybody’s benefit will be different.
Medical costs are also covered in this system with a worker needing to have made a minimum of 180 days of contributions in the six months prior to becoming ill in order to qualify for help. Occasionally a worker will be covered for treatment in a private clinic. This also covers medications, any time spent in hospital and dental care. Children under the age of one are entitled to free medical care.
Other benefits include unemployment payments for those who have lost work through no fault of their own, as well as death and survivor payments for those who have lost a relative.
As an expat it is unlikely that you will qualify for any of these benefits until you have been in the country for some time. If you are moving to Ecuador for work then you may be expected to contribute to the system, in which case your rights are the same as any other worker.
Expat Health Insurance Partners
Our award-winning expatriate business provides health benefits to more than 650,000 members worldwide. In addition, we have helped develop world-class health systems for governments, corporations and providers around the world. We want to be the global leader in delivering world-class health solutions, making quality health care more accessible and empowering people to live healthier lives.
At Bupa we have been helping individuals and families live longer, healthier, happier lives for over 60 years. We are trusted by expats in 190 different countries and have links with healthcare organisations throughout the world. So whether you're moving abroad for a change of career or a change of scene, with our international private health insurance you will always be in safe hands.
Cigna has worked in international health insurance for more than 30 years. Today, Cigna has over 71 million customer relationships around the world. Looking after them is an international workforce of 31,000 people, plus a network of over 1 million hospitals, physicians, clinics and health and wellness specialists worldwide, meaning you have easy access to treatment.