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Burkina Faso

Benefits and Entitlements Overview

Learn about mandatory and optional employee benefits in Burkina Faso

Mandatory benefits

In Burkina Faso, employees are entitled to a specific set of mandatory benefits. These benefits aim to provide financial security and time off for workers.

Social Security

Burkina Faso's social security system provides various benefits, including retirement, medical care, and maternity leave. Both employers and employees contribute to the system through payroll deductions.

  • Employer Contributions: Employers contribute 16% of the employee's salary, split between occupational accidents (3.5%), family allowances (7%), and old-age pensions (5.5%).
  • Employee Contributions: Employees contribute 5.5% of their salary towards old-age pensions, withheld by the employer.

Benefits Covered by Social Security:

  • Retirement Pensions: Social security provides retirement income for qualifying employees upon reaching retirement age.
  • Medical Care: Employees with work-related accidents or illnesses are entitled to medical benefits. This includes coverage for hospitalization, medication, and rehabilitation.
  • Maternity Leave: Female employees receive 14 weeks of paid maternity leave, funded partially by social security contributions.

Burkina Faso mandates various forms of paid leave for employees.

  • Annual Leave: Employees accrue a minimum of 22 paid leave days after one year of service. Unused leave can be carried over to the following year, with a maximum accumulation of 45 days.
  • Public Holidays: There are 13 national holidays throughout the year that employees are entitled to paid leave for.
  • Sick Leave: While there isn't a mandated duration for sick leave, employers are typically required to provide paid sick leave for a reasonable period based on the employee's illness.

Other Mandatory Benefits

  • Paternity Leave: Fathers are entitled to 20 days of paid leave upon the birth of a child.
  • Severance Pay: The amount of severance pay depends on the duration of employment and ranges from 25% to 40% of the monthly wage per year of service.

Collective Bargaining Agreements (CBAs) may provide additional benefits or modify existing ones. It's crucial to consult the relevant CBA for a complete picture of employee benefits in a specific industry or company.

Optional benefits

In Burkina Faso, employers often offer a range of optional benefits to attract and retain talent. These benefits go beyond the mandated ones and can significantly influence a candidate's decision-making process.

Comprehensive Health Insurance

While basic medical coverage is provided through social security, comprehensive health insurance plans are a valuable benefit for employees. These plans can cover a wider range of medical services, including dental, vision, and specialist care. Offering health insurance demonstrates employer commitment to employee well-being.

Life and Disability Insurance

Life insurance and disability insurance provide financial security to employees and their families in case of unforeseen circumstances.

  • Life insurance: This benefit pays a death benefit to the employee's designated beneficiary in the event of their passing.
  • Disability insurance: This benefit provides financial support to the employee if they are unable to work due to a disability.

These insurances offer peace of mind to employees and demonstrate employer concern for their long-term well-being.

Family-Friendly Benefits

Several family-friendly benefits can enhance employee morale and productivity:

  • Childcare Assistance: Employers may subsidize childcare costs or provide on-site childcare facilities. This benefit is particularly attractive to working parents.
  • Educational Assistance: Employers may offer tuition reimbursement or scholarships for employees pursuing further education. This benefit helps employees grow professionally and can contribute to a more skilled workforce.

Transportation and Meals

  • Transportation Allowances: Employers may provide allowances to help employees cover commuting costs. This can be especially helpful in areas with limited public transportation.
  • Meal Vouchers or Subsidized Meals: Employers may offer meal vouchers or subsidized meals in the cafeteria, reducing employee lunch expenses and fostering a sense of community within the company.

These benefits can ease financial burdens on employees and improve overall job satisfaction.

Other Potential Perks

  • Wellness Programs: Companies may offer wellness programs that encourage healthy lifestyles, such as gym memberships, fitness classes, or health screenings.
  • Flexible Work Arrangements: Offering flexible work arrangements, such as remote work options or compressed workweeks, can improve work-life balance for employees.

By providing a combination of these optional benefits, employers in Burkina Faso can create a more attractive and competitive work environment.

Health insurance requirements

In Burkina Faso, the health insurance landscape involves both social security contributions and private health insurance plans.

Social Security Coverage

Basic medical care is provided through Burkina Faso's social security system. This system is funded through employer and employee contributions. The Social Security Code 2006 outlines the benefits covered under social security, including hospitalization, medication, and rehabilitation for work-related illnesses and accidents.

Private Health Insurance

While social security offers basic coverage, it may not encompass all medical needs. Employers are not required to provide private health insurance, but many do so to enhance their employee benefits package. Private health insurance plans can cover a wider range of medical services, including dental, vision, and specialist care, offering a significant benefit to employees.

Employer Discretion

The decision to provide private health insurance lies with the employer. Some employers may offer comprehensive plans, while others may offer more limited coverage or no private health insurance at all.

Importance of Private Health Insurance

Private health insurance can significantly impact employee well-being and satisfaction. It can provide financial security in case of unexpected medical situations and offer access to better quality healthcare.

Retirement plans

In Burkina Faso, retirement planning is facilitated through a dual approach, encompassing a mandatory public system and potential private options.

Public Pension Scheme (CNSS/CARFO)

All formal sector employees in Burkina Faso are required to contribute to a public pension scheme. This scheme is managed by two entities: CNSS (Caisse Nationale de Sécurité Sociale), which covers private sector workers, and CARFO (Caisse Autonome de Retraite des Fonctionnaires), which caters to civil servants. Both employers and employees contribute a portion of the employee's salary towards the pension plan.

Retirement Age and Benefits

The minimum retirement age in Burkina Faso varies depending on the profession and social security scheme. For blue-collar workers, white-collar workers under 58, and voluntarily insured individuals, the retirement age is 56 years old. White-collar workers aged 58-60 retire at 58 years old, while supervisors, managers, technicians retire at 60 years old. Doctors and university teachers retire at 63 years old.

Upon reaching retirement age and fulfilling contribution requirements, individuals qualify for a monthly old-age pension. The amount is determined by the scheme (CNSS or CARFO), the number of years of contributions, and the average monthly covered earnings during the highest earning years.

Private Pension Plans

Private pension plans are an optional way for individuals to supplement their public pension income. These plans are offered by private insurance companies and allow for voluntary contributions throughout an individual's working career. The benefits of private pension plans vary depending on the specific plan chosen. They can offer higher payouts upon retirement compared to the public pension alone, investment options to potentially grow the retirement corpus, and flexibility in choosing contribution amounts and withdrawal options.

The best retirement plan option depends on individual circumstances and financial goals. Public pension plans offer a guaranteed income stream but may not provide sufficient income for everyone. Private pension plans offer the potential for higher returns but require discipline with contributions and carry some investment risk.

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