Generally speaking, the Social Insurance Scheme applies to all persons in Guernsey, Alderney, Herm and Jethou who are over school leaving age.  There are three classes of insured persons, paying different rates of contributions. 

The reason you pay contributions is to give yourself the protection of insurance. Your payments will then entitle you to claim various benefits.  Different classes of contributors are entitled to different benefits, subject to having fulfilled the basic conditions.

The classes are:

Class 1 - Employed persons

Most people who work for wages or a salary under a contract of service are in this class.

In general, contributions are required from both the employer and employee in respect of any employed person who is over school-leaving age and under age 65.

Class 2 - Self-employed persons

Those people who are in business for themselves and other people who are working for gain but are not under the control of an employer are in this class.

Class 3 - Non-employed persons

All insured persons who are not employed or self-employed are in this class.

Please click on the links to the right for more detailed information and advice about classification, paying contributions, etc.

Please click the links below to find out the relevant rates and limits for each class of contributor.