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17 September 2026Read more →

Payroll in Mali: pay on time, in the right place, and keep the proof

In Mali, wages are paid in money, at the workplace, no later than eight days after month-end, and as soon as work ends when an employee leaves. Each payment requires a complete payslip, copied into a register kept for five years; a computerised register must be validated by INSTAT. Each delay is an offence, counted per employee. Signing "in full and final settlement" does not remove the employee's right to claim, which lasts three years. …

Pension: Early pension with reduction

An insured person with thirteen years of contributions may liquidate their pension from 53 (Social Security Code, art. 143 and 144): it then suffers a reduction of 5% per year remaining before 55, i.e. 10% at 53 and 5% at 54, which does not go away later. A person unfit for work may leave at 53 without reduction (art. 145). Before 55, departure follows resignation rules; have the INPS calculate the pension before deciding. …

Pension: Early retirement without a reduction

An insured person with thirteen years of contributions may liquidate their pension without reduction from their 55th birthday (Social Security Code, art. 144), or from 53 if medically unfit for work (art. 145). The pension is still calculated at 2% per year contributed. On the contract side, leaving is not a resignation from 55, or 57 for category A (Labour Code, art. L.60 bis). Leaving before the birthday costs 5% for life. …

Pension: Old-age allowance in Mali

The old-age allowance, which the INPS calls the solidarity allowance, is due to an insured person aged 53 who stops all salaried work with six to less than thirteen years of insurance (Social Security Code, art. 147). Its amount is fixed: 26% of twice the SMIG (art. 156). The application must reach the INPS within two years. It gives no survivor’s pension: compare it with the pension before any departure.

Pensions: Changing pension scheme INPS <==> CMSS

When a civil servant becomes a private-sector employee, or vice versa, the fund they leave transfers to the receiving fund the contributions, employee and employer shares, collected on their behalf (Social Security Code, art. 161). Their periods of service add up, often making it possible to reach the thirteen years needed for a pension; they prove them at liquidation (art. 155). Only contributions actually paid are transferred: declare every hiring to the INPS within eight days.

Pensions: INPS allowances and pensions

The INPS pays pensions to insured persons who meet the insurance-period conditions (13 years for retirement, 8 years for disability) and allowances when those conditions are not met: the old-age allowance, a fixed amount from 6 years of insurance and age 53, and the survivor’s allowance, paid once. Only pensions give rise to a survivor’s pension (art. 152). There is no disability allowance.

Pensions: Retirement of foreign workers in Mali

A foreign worker employed in Mali contributes to the INPS like a Malian employee. If they stay and reach thirteen years of insurance, they receive the pension under the same conditions. If they leave Mali at retirement, they may obtain reimbursement of their personal contributions, subject to reciprocity, or a proportional pension if their country has an agreement with Mali (Social Security Code, art. 160).

Pensions: Survivor’s allowance

When an insured person dies with less than thirteen years of insurance, the survivors receive an allowance paid once (Social Security Code, art. 154): one instalment of the 156-month reference pension, i.e. 26% of average pay, per six months of contributions (art. 157). A spouse married for two years and dependent children share it using the survivor’s pension keys. The employer reports the death within eight days.

Pensions: Survivor’s pension

On the death of a retiree, or of an employee with at least thirteen years of contributions, the spouse married for two years and the dependent children receive a survivor’s pension (Social Security Code, art. 152 and 153). The spouse receives 50% of the deceased’s pension and each orphan 10%, with all orphans together capped at 50% (art. 157). File the claim within six months: after that, the months that have passed are lost.

Pensions: The employee’s contribution does not belong to the company

Pensions for employees covered by the Labour Code are managed by the INPS and funded by a double contribution: the employee share, deducted from salary, represents 40% of the rate set by decree (Social Security Code, art. 197). The employer must pay over this withheld amount immediately, even if it cannot pay its own share (art. 202). Delay costs 2% per month; keeping the withheld amount exposes it to criminal courts (art. 214).

Periodic medical check-ups in Mali: the follow-up you owe every employee, every year

Every employee must have a medical check-up at least once a year, and every three months if under 18 (Social Security Code, art. 44). Dangerous jobs, pregnant women and mothers of a child under two are under special monitoring. A return-to-work examination is compulsory after an occupational disease, more than three weeks off sick or more than fifteen days of absence in six months (art. 45). The time spent is paid.

Permissions for family events

Permissions for marriage, birth or bereavement may not be deducted from accrued leave, within the ten-day limit set by the Code, and carry no deduction from pay. The list of events and their durations come from the collective agreement, and supporting documents must be provided within three days of the event.