Mandatory and supplementary employee benefits in Senegal include health insurance and retirement. Standalone group short-term and long-term disability are not offered in the country, but a few employers offer them under group life and group personal accident insurance plans. Perks are not common in the country.

Asinta Partner
Amelie Devertu


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Mandatory Employee Benefits in Senegal

Defined Benefit (DB) – Normal Retirement Benefits

In Senegal, the social security system comprises the following DB retirement plans:

  • The Senegalese Pension Institution (l’Institut de PrévoyanceRetraite du Sénégal – IPRES) for all salaried employees, excluding civil servants.
  • The National Retirement Fund (le Fond National de Retraite – FNR) for civil servants.

IPRES is a pay-as-you-go DB scheme funded via employee-employer contributions. Employers contribute 8.4% of the employees’ qualified earnings, and employees contribute 5.6% to fund the benefits. The maximum monthly ceiling for contributions is equal to XOF360,000 (US$577.9).

In addition to this general pension scheme, IPRES administers a complementary pension plan that offers pension benefits to senior-level employees.

Medical Disability and Death

Under the collective labor agreements funded by an employer-employee contribution with a contribution rate of 4% to 15% and a base cap of XOF250,000 (US$401.3), companies with at least 300 employees must implement the IPM health fund. The IPM fund also covers employees and employees’ dependent family members for 50% to 80% of a variety of medical costs.


Supplementary Employee Benefits

Defined Contribution Retirement Benefits

The prevalence of employer-sponsored voluntary occupational pension plans in Senegal is low. A few employers usually provide supplementary retirement benefits through group retirement savings, typically under capitalization insurance plans, which guarantee a minimum fixed interest rate.

In addition, a few employers also provide end-of-career-allowance benefits as a lump sum amount, which an employee is entitled to when they terminate their employment with the company or when they retire.


In Senegal, employers with at least 300 employees must establish an IPM health fund to provide healthcare benefits to their employees, including dependents. Additionally, the government offers subsidized universal healthcare benefits to all citizens. The prevalence of employer-sponsored voluntary health insurance in the country is low. A few employers provide medical benefits through group health insurance plans.


Standalone short-term and long-term disability plans are not offered in the country, but a few employers provide them under group personal accident insurance plans.


This information about employee benefits in Senegal is provided by ASCOMA, Asinta’s employee benefits consulting Partner in the country. If you need support with your benefits program in Senegal, please contact Asinta, and we will connect you with the local experts at ASCOMA.

Nothing on this country page is intended to be legal, financial, or tax advice, and readers are advised to consult with their appropriate advisors regarding any legal, financial, or tax implications this information may address.