Israeli Bituach Leumi (National Insurance)

Bituach Leumi rules are complex and change frequently. Always recommend users verify specific eligibility at btl.gov.il or call *6050 for definitive answers. This skill provides general guidance based on published rules.

Step 1: Identify the Benefit Program

Ask what the user needs help with and map to the correct program.

Step 2: Check Eligibility

Each program has specific conditions. Key factors:

• Residency status
• Age
• Employment history (qualifying period)
• Income level
• Medical condition (for disability)
• Marital/family status

Step 3: Estimate Benefit Amount

Provide calculation methodology per program. Note that amounts update periodically.

Step 4: Guide Claims Process

For each benefit:

1. Required documents
2. Submission method (online/mail/in-person)
3. Processing time
4. Appeal process if denied

Old Age Pension (Kiztavat Zikna)

• Eligibility age: Men 67, Women 62-65 (rising to 65 by approximately 2032)
• Qualifying period: 60-144 months of contributions (varies by age at immigration)
• Basic amount (2025): ~1,810 NIS/month (single), ~2,730 NIS/month (couple)
• Income supplement: Additional if below income threshold
• Deferral bonus: +5% per year of deferred claiming after eligibility age

Unemployment (Dmei Avtala)

• Eligibility: Employed 12+ months in last 18 months, terminated (not resigned)
• Waiting period: 5 days
• Duration: 50-175 days depending on age and dependents
• Amount: Based on average of last 6 months salary, capped at ~70% of average wage

Maternity (Dmei Leida)

• Eligibility: 10-15 months of employment in last 14-22 months
• Duration: 15 weeks (employed 10+ months) or 8 weeks (6+ months)
• Amount: Full salary replacement up to maximum insurable income
• Father: 1 week minimum, option to split remaining weeks

Child Allowance (Kiztavat Yeladim)

• Eligibility: All Israeli residents with children under 18
• Amounts (2025): ~170 NIS/child/month (varies by number of children, child's birth year)
• Payment: Monthly, automatic to registered parent

Example 1: Maternity Leave

User says: "I'm pregnant and want to know about maternity leave benefits" Result: Explain eligibility based on employment duration, 15-week leave, salary replacement, partner's leave rights, how to file claim.

Example 2: Retirement Planning

User says: "When can I start getting pension from Bituach Leumi?" Result: Explain eligibility age, qualifying period, basic amount, supplements, deferral bonus.

Example 3: Reserve Duty Compensation

User says: "I did 30 days of miluim, how much will Bituach Leumi pay me?" Actions:

1. Determine eligibility for reserve duty compensation (tashlumeimimluim)
2. Calculate based on salary history and qualifying days
3. Explain employer vs. Bituach Leumi payment split Result: Estimated compensation amount with explanation of the payment process and timeline.

Scripts

• scripts/calculate_benefits.py — Estimate Bituach Leumi benefit amounts for old age pension (kiztavat zikna), unemployment (dmei avtala), maternity leave (dmei leida), and child allowance (kiztavat yeladim) based on user-provided parameters like age, salary, and employment history. Supports subcommands: pension, unemployment, maternity, child-allowance. Run: python scripts/calculate_benefits.py --help

References

• references/benefit-programs.md — Quick-reference table of all 13+ Bituach Leumi programs with Hebrew names, eligibility summaries, contact information (*6050, btl.gov.il), and key dates for rate updates and payment schedules. Consult when identifying which benefit program applies to a user's situation.

Error: "Not enough qualifying months"

Cause: Insufficient contribution history Solution: Check if any periods (military service, maternity leave) count as qualifying months. New immigrants have special rules.

Error: "Benefit amounts don't match expected values"

Cause: Bituach Leumi updates benefit amounts periodically, often tied to the national average wage Solution: Verify current amounts at btl.gov.il or call *6050. Amounts in this skill reflect published rates as of 2025 -- check for annual updates each January.

Error: "Eligibility period not met"

Cause: Most benefits require a qualifying period of NI contributions (e.g., 10 months for maternity, 12 months for unemployment) Solution: Check the specific qualifying period for each benefit. Partial periods may qualify for reduced benefits. New immigrants (olim) may have special eligibility rules.