Know your rights: When are you entitled to receive money from Bituah Leoumi?

bitouah leoumi allocations

When are you entitled to Bitouah leoumi benefits in Israel?

In this article we take a closer look at what Bitouah Leoumi is and quote you when you can receive benefits of the Bitouah Leoumi.
  • Unemployment benefit in Israel.
  • Old-age pension in Israel
  • Revenu minimum d'insertion.
  • Work accident.
  • Temporary or permanent disability.

First of all, let's know: Who pays for the Bitouah Leoumi and how much?

Social security or "bitouah leoumi" is supposed to ensure a more equitable distribution of the national income among the population. residents Israel. The Bitouah Leoumi collects contributions from all residents according to their income and status, and pays benefits to those entitled to them. But despite this system of "redistribution", the amount of Bitouah Leoumi's allowances is not enough to ensure a decent standard of living and basic subsistence. All residents of Israel pay their contributions on a regular basis, and make use of this insurance in the event of unemployment, disability or pension. The Bitouah Leoumi pays annuities to eligible persons and assists policyholders in the event of an event such as redundancy, disability or industrial accident. Citizens pay according to their ability and receive according to their needs. Unfortunately, despite these provisions aimed at balancing the standard of living of residents, Bitouah Leoumi benefits are sometimes insufficient. On the other hand, there are also cases where we do not receive what is due to us due to lack of knowledge or understanding.
  • Who is insured and how much is paid to Bitouah leoumi?
All Israeli residents aged 18 must be insured by the Bitouah Leoumi and pay contributions. Are not concerned :
  • A married woman whose spouse is insured and who is a housewife.
  • A person who immigrated to Israel and became a resident of Israel for the first time at the age of 62.

Read also: Minimum contribution to Bitouah Leoumi!
In this respect, we need to distinguish between salaried and self-employed workers, between citizens who do not work and have an income that does not come from work, and those who have no income at all. Payroll deduction at source an employee employee is 3,5% (national insurance contributions of 0.4% and health insurance costs of 3.1%) for the part of the salary that reaches 60% of the average salary; then 12% (national insurance contributions of 7% and health insurance contributions of 5%) for the portion of salary above 60 % of average salary. The calculation for self-employed is different: national insurance contributions and health insurance contributions are of 5.97%  (for the share of earnings at 60% of the average wage). For earnings above 60 % of average earnings, national insurance contributions and health insurance contributions are deducted. of 17,83%.

What do you get from Bitouah leoumi?

Many claims are made against the national insurance scheme, which does not provide a minimum pension. It is therefore advisable to build up good retirement savings over the years, and even to invest sums (not necessarily large ones) in the capital or property markets. Social security pays pensions and benefits, but does not provide any compensation.

The main benefits paid by the Bitouah leoumi are as follows:

  • Work accident :
When an employee or self-employed person is injured, he or she is entitled to compensation, regardless of who is responsible for the accident. Note : the accident must have been caused to a person in the course of his or her work or as a result of his or her work, including accidents on the way to or from work. The same applies to a work-related illness. If the disability due to the accident reaches 19%, a one-off grant will be paid to the insured. If the disability is 20% or more, the injured person will receive a permanent disability pension.
  • General disability :
General disability concerns patients and the elderly. An allowance will be granted if the degree of disability exceeds a certain threshold.
  • Unemployment benefit :
In order for an employee to benefit from a unemployment benefitThe employee must have worked for at least six months. This allowance depends on the salary received by the employee prior to resignation or dismissal. The Bitouah leoumi provides a certain percentage of this salary, up to a certain ceiling.
  • Income support :
Bituah leoumi must ensure a minimum income - אבטחת הכנסה.
  • Childbirth allowance :
A maternity benefit is paid in a single lump sum. The mother is then entitled to a certain percentage of her monthly salary for 3.5 months after the birth. It should be noted that a man can also take paternity leave (in place of the woman) and receive part of his salary.
  • Family allowances :
Family allowances are paid on a regular basis according to the number of children and their ages.
  • Nursing allowance :
Bituah Leumi provides long-term care benefits for people who are unable to perform three out of five basic activities: eating, bathing, standing, walking and controlling closures.
  • Old-age pension :
The pension is paid at retirement age: for a man at 67 and for a woman at 62. If you made aliyah after the age of 60 or 62 (men or women), you may be entitled to a special old-age pension. Click on this link for more information.
  • Survivors' pension :
Survivors are those whose spouse or parent has died. They will receive a survivor's pension until retirement, and then an old-age pension, provided they do not remarry. Children will receive this pension if they are minors.
  • Payment for IDF reservists:
Payment depends on the reservist's salary level.
  • Payment to bankrupt employees of an employer :
If the employer has no money to pay severance, the Bituah leumi pays instead. Compensation is limited to a certain percentage. In this way, the Bitouah Leumi pays the employees and becomes a creditor of the company in liquidation.
  • Alimony and child support :
If a husband or father is unable to pay alimony in Israel, the Bitouah leumi pays alimony to the wife.



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