Overview

The current pension system basically covers all employed persons between ages 18 and 65 residing in the country, Self-employed persons may contribute voluntarily. There is a special system for government employees and the armed forces and employees of national oil industry.

Qualifying condition
Old-age pension: Age 65 (men) or age 60 (women) with at least 10 years of contributions; at any age (men and women) with 30 years of work. Age 50 (men) or age 45 (women) with between 20 and 25 years of work in an unhealthy working environment or in a physically demanding natural environment. Retirement from insured employment is necessary.

Early pension: Age 60 (men) or age 55 (women) with at least 10 years of contributions. Deferred pension: A deferred pension is possible with the agreement of the employer. The old-age pension is not payable abroad.

Disability pension: Total disability (2/3 loss of earning capacity). One year of contributions in the last 10 years, including 90 days in the year before the onset of disability. There is no provision for partial disability. The disability pension is not payable abroad.

Survivor pension: Payable to a widow or dependent widower, children younger than age 18 (age 20 if a student or disabled), an unmarried daughter until she marries or becomes unemployed, and aged dependent parents (father older than age 60; mother older than age 55).The survivor pension is not payable abroad

Payments

Old-age pension: 1/35th of the insured’s average earnings during the last 24 months times the number of years of contributions. For insured persons working in difficult or hazardous occupations, each year of paid contributions counts as 1.5 years. The minimum pension is 50% of the insured’s average earnings but not less than 1,060,000 rials a month (the minimum wage of an unskilled laborer), plus food coupons.

Spouse allowance: A married male pensioner receives up to 188,000 rials for his spouse. The maximum pension is 100% of the insured’s earnings up to 4,500,000 rials a month.

Early pension: 1/35th of the insured’s average earnings during the last 24 months times the number of years of contributions.

Deferred pension: 1/35th of the insured’s average earnings during the last 24 months times the number of years of contributions.

Benefit adjustment: Benefits are adjusted annually according to wage changes

Contact Details
Ministry of Labour and Social Affairs
Azadi Ave.
P.O. Box 14185 - 963
Tehran, Islamic Republic of Iran