Understanding the social security system in Malta can be complex, especially when it comes to understanding the different types of benefits available. One of the key distinctions to be aware of is between contributory and non-contributory benefits. Here’s a look how they differ.

Contributory Benefits

Contributory benefits are based on the social security contributions that an individual has paid over their working life. These contributions are typically deducted from your salary and are essential for qualifying for various benefits. Here are some examples of contributory benefits:

• Retirement Pension
• Injury Benefit
• Maternity Benefit

The primary requirement for contributory benefits is that specific contribution conditions are met. This ensures that individuals who have consistently contributed to the social security system are supported  when they retire from work, in case of a work-related injury, or during maternity leave.

Non-Contributory Benefits

On the other hand, Non-contributory benefits are designed for individuals who may not have sufficient social security contributions. These benefits are typically means-tested, meaning they are based on the individual’s income and assets. Examples of non-contributory benefits include:

• Social Assistance
• Disability Assistance
• Age Pension

Non-contributory benefits aim to provide financial support for those who are most vulnerable, while ensuring that everyone has access to basic financial support regardless of how much they have paid in social security contributions.

Key Differences

• Eligibility: Contributory benefits require that social security contributions are paid, while non-contributory benefits are based on financial need and are means-tested.
• Application Process: The application process for contributory benefits typically involves verifying contribution records, while non-contributory benefits require a means test to assess financial need.

Knowing these differences can help you understand the social security system better and make sure you get the support you deserve. Whether you have been contributing for a long time or need financial help, Malta’s social security system has various benefits to support you.

To view a classification of contributory and non-contributory social security benefits, click here.