Q & A

  • What is the status of pensions and benefits previously paid before the implementation of the new law?

    The insured person or entitled family members receiving, as of the date of implementing this law, due benefits or pensions shall be treated in accordance with the social insurance law as follows:

    1. If any pension or benefit received by the insured person is less than SR. 1,500, such amount shall be raised to this limit.

    2. If such amount of pension or benefit divided after the death or the insured person between survivors was less than SR. 1,500, such amount shall be raised to this limit and shares will be recalculated in accordance to the new amount.

    3. If any share of a family member is less than SR. 300, such amount shall be raised to this limit, provided that the total shares of survivors do not exceed the limit of SR. 1,500, per month or the average wage that pension or benefit calculations were base on, whichever is the higher.
    Implementing the previous paragraphs shall be on the first day of the following months of putting the new law into force.

  • Are there any specified dates for submitting claims for payments of social insurance entitlements?

    Claims for transportation, lodging allowances and deceased's family grant shall not be accepted after the expiry of one year, and claims for remaining benefits shall not be accepted after the expiry of five years from the date on which the entitlement to benefits arises, unless there is an excuse accepted to GOSI.

  • Is the employer committed to pay compensation to the injured insured person who suffered from an occupational injury, or to pay the survivors for such injury?

    Basically, GOSI is obligated to pay the lawful benefits to the insured person or family members and the employer is not committed to pay unless the injury occurred intentionally by the employer, due to an obvious mistake, not complying to rules and regulations regarding healthy and safe working environment.
    In case this is proven correct, the insured person or entitled survivors may return to the employer for any claims or rights given by Islamic Sari'ah or other applicable rules implied in Saudi Arabia. GOSI will pay in any case all the amounts of benefits and pensions due by law.

  • What are the amounts payable to survivors of the insured person?

    GOSI pays to survivors of the insured person a grant of three months to a maximum of SR. 10,000 in any of the following cases:

    1. In case of death of the insured person while performing his job and has the qualifying period of service for pension.

    2. In case of death of the insured person because of an occupational injury, or in case of death of a person who was entitled a benefit for reasons of total or partial permanent disability.

    3. In case of death of retired pensioner or a pensioner for non-occupational disability.

  • Are there certain provisions regarding benefit payment under OHB for non-Saudi?

    For non-Saudi injured person, it has been decided by law to replace the right of benefit payment with a lump sum compensation payment. There will be no right to apply for another payment after that. This shall be done according to the following rules:

    1. In case the injury resulted in 100% total disability to the insured person, such person shall be entitled to a lump sum compensation amounting 84 months of the benefit amount to a maximum of SR. 330,000. For example, the wage of that insured person is SR. 4,000 and received a disability percentage of 100%, the compensation shall amount: 4,000 x 84 = SR. 336,000. Whereas this amount has exceeded the maximum limit provided by law, this amount shall be reduced to SR. 330,000.

    2. If disability degree is (50% - 99%), partial disability, the lump sum compensation shall amount 66 months of the benefit amount to a maximum of SR. 165,000. For example, the insured person’s wage is SR. 2,000, and has a disability degree of 55%, the compensation shall amount: 2,000 x 55 x 60 = SR. 66,000.

    3. In case of the insured person died while performing his job because of an occupational injury, his survivors shall receive lump sum compensation equals 84 months and will be divided equally.
    Note that lump sum compensation payment ends all right for the insured person or survivors due from GOSI, taking into consideration that such payment shall not exceed, in this case, the sum of SR. 330,000.

  • It has been mentioned many times the words “benefit” and “pension”, what is the deference between them?

    The pension is the amount which is paid monthly under Annuities Branch, while the benefit is paid monthly under OHB. Pension and benefit can be added together.

  • What happens in the event of discontinuing one of the survivors share?

    In case of suspending a share of one family member for any reason – such as death, reaching the maximum limit for entitlement for boys, marriage of girls – this share shall be divided to the remaining survivors, provided that the total shares do not exceed the average wage which calculation basis of the benefit were built upon or the amount of SR. 1,500 for each share.

  • When does the injured insured person’s family members are entitled to payment of their benefits in case the injured person died, and what are their shares?

    In case of the death of the injured person who was entitled to a partial or total disability benefit, or in the event of the insured person death while working as a result of an occupational injury, the survivors are entitled to the following:
    -Full benefit, in case the survivors are three persons or more and shall be divided equally.
    -75% of the benefit, in case the survivors are two persons and shall be divided equally.
    -50% of the benefit, in case there was only one survivor.
    Provided that the share of any survivor shall not be less than SR. 300 and the total shares do not exceed the average wage which the basis of calculation of the benefit was built upon, or SR. 1,500 per month, whichever is higher. If the total exceeds this amount, each share of survivors shall be deducted equally to any of the said two limits.

  • What happens if the injured person that was entitled an allowance or benefit before he had suffered a new injury?

    Determining the status of the insured person who was entitled to a benefit for a partial disability that had suffered a new injury as follows:

    a. In case the person who was entitled to a benefit for a partial disability had suffered a new injury resulting in a degree of disability, the injured person shall be entitled to a new benefit calculated an the basis of the total injuries sustained by this person, i.e. total percentage of the disabilities, provided that the total does not exceed 100% of disability. The benefit shall be calculated on the basis of the average wage of the first injury or the previous average wages of the month prior the second injury, whichever is higher.

    b. In case the injured person received lump sum compensation and had suffered from another injury resulting in a disability degree, whereas the total percentage became 50% or more, the injured person shall be entitled to a benefit according to what has been mentioned previously, with deducting the previous compensation amount on a 36 regular basis. Collecting such deductions shall stop in case of discontinuing benefit payment or death of the injured person.

    c. Degree of disability resulting from different injuries shall be added together even without such addition the injured person may not be entitled to pension, whenever this may increase the amount of lump sum compensation.

  • What does the injured Saudi and non-Saudi insured person entitled to if the degree of disability was less than 50%?

    If the disability degree for an injury is less than 50%, the insured person is entitled to a lump sum compensation equals 60 times the monthly benefit for partial disability, whereas the age of this insured person did not exceed 40 years at the date when the injury occurred.

    Example: (age 39 – disability degree 32%), for this case, if the average wage is SR. 1,000, the lump sum compensation shall be:
     32 x 1000 x 60 = SR. 19,200

    If the age was more than 40 years, the compensation shall be decreased to the number of monthly benefit equivalent to the number of years which are above 40. If we assume in the previous example that the age of the insured person is 47 years, the compensation shall be decreased 7 times the monthly benefit:

     32 x 1000 x 53 = SR. 16,900

    Provided that the compensation shall not be less than 36 times the monthly benefit and does not exceed the amount SR. 165,000. For the interest of the insured person, the fraction of any year shall be considered as a whole year if such fraction year has completed six months or more. Fewer fractions shall be discarded.

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