Israeli Bituach Leumi

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  "category": "government-services",
  "tags": {
    "he": [
      "ביטוח-לאומי",
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  "display_name": {
    "he": "ביטוח לאומי",
    "en": "Israeli Bituach Leumi"
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  "display_description": {
    "he": "ניווט בביטוח לאומי: זכאות לקצבאות (זיקנה, אבטלה, לידה, ילדים, נכות, מילואים, סיעוד), שיעורי דמי ביטוח (כולל תיקון 252 משנת 2025), וטפסי תביעה (טופס 900, 355, 480, 1500, 211, 7801 ועוד) להגשה דיגיטלית באזור האישי. סכומים לפי הודעת ביטוח לאומי 2026. אין להשתמש לשאלות על ביטוח פרטי או קופת חולים.",
    "en": "Navigate Israeli National Insurance (Bituach Leumi) benefits, eligibility, contributions, and claim forms (טפסים). Use when user asks about bituach leumi, national insurance, retirement pension (kitzbat zikna), unemployment (dmei avtala), maternity leave (dmei leida), child allowance (kitzbat yeladim), disability (nechut), work injury, reserve duty (miluim), survivors pension, long-term care (siyud), income support (havtachat hachnasa), birth grant (ma'anak leida), savings-for-every-child, or NI contribution rates. Includes form numbers (Form 900, 355, 480, 1500, 211, 7801, etc.) for filing each claim. Do NOT use for private insurance or health fund (kupat cholim) questions."
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}


# Bituach Leumi Benefit Programs Reference

Complete program catalog with 2026 rates, qualifying periods, claim forms, and contact channels. Source: BTL 2026 announcement (`btl.gov.il/About/news/Pages/hadasaidkonkitzva2026.aspx`), kolzchut.org.il, and the per-program forms portals at `btl.gov.il/טפסים-ואישורים`.

## Macroeconomic Anchors (2026)

| Anchor | Value | Used for |
|---|---|---|
| Average wage section 1 (sachir memutza) | 13,566 NIS/month | Contribution bracket break, child-allowance reference |
| Average wage section 2 (for benefit calcs) | 13,769 NIS/month | Maternity, miluim, work-injury daily caps |
| Maximum insurable income (תקרה) | 51,910 NIS/month | All benefits with a daily cap |
| Bracket boundary (60% of avg wage) | 7,703 NIS/month | NI contribution tier split |

Both average-wage figures update twice yearly (January and July). Verify before any calculation that depends on them.

## Programs at a Glance

| Program | Hebrew | Eligibility Summary | Main Form |
|---------|--------|-------------------|-----------|
| Old Age Pension | קצבת אזרח ותיק / זיקנה | Men 67, Women 62-65 by birth cohort; qualifying contributions | 480 |
| General Disability | נכות כללית | Resident 18 to retirement age; medical incapacity 60%+; 12 months NI | 7801 |
| Special Services (SHRM) | שירותים מיוחדים | Severely disabled needing daily care | 7849 |
| Disabled Child | ילד נכה | Parent of disabled child | 7821 |
| Unemployment | דמי אבטלה | 12 of 18 months as employee, terminated (not resigned) | 1500 |
| Maternity | דמי לידה | 6-15 months employed | 355 |
| Birth Grant | מענק לידה | Every birth in Israel | (auto, 300) |
| Child Allowance | קצבת ילדים | All residents with children under 18 | (auto, 5025) |
| Saving for Every Child | חיסכון לכל ילד | All children under 18 (auto-enrolled) | (auto) |
| Work Injury | פגיעה בעבודה | Workplace injury or commute injury | 211 |
| Reserve Duty | מילואים | IDF reserve service (any duration) | 502 (personal) / 501 (employer) |
| Income Support | הבטחת הכנסה | Below minimum income, asset test, employment test if <55 | 5619 |
| Long-term Care | סיעוד | Retirement age + ADL dependence test | 2600 |
| Survivor Pension | קצבת שאירים | Widow/widower 40+ or with kids/disability | 410 |
| Mobility Allowance | ניידות | Mobility-impaired (medical determination by MoH) | 8220 → 8200 |
| Hostile Action Victims