FREQUENTLY ASKED QUESTIONS

Retired (46)

Retired a page contain the most questions related to Retirement and any related issues

Below are the list of Retirement related FAQ's

I am receiving an early retirement pension from GOSI, can I be self-employed and register the activity in GOSI?

Yes, you can be self-employed and register the activity in GOSI without having any effect on your monthly pension.

I am a female contributor covered under the Social Insurance Law and stopped work before attaining the age of sixty, can my insurance entitlements be paid?

Yes, the insurance entitlements of the female contributor may be paid as a lump sum benefit at any time, provided that she leaves the employment. In such case, she has to approach the nearest GOSI office to apply for entitlement payment.

Who are the family members entitled to a pension?

According to Paragraph (8) of Article (2) of the Social Insurance Law, the following are the family members entitled to pension:

1.Widow: The wife of the contributor until the date of his death.

2.Widower: The one whose contributing wife died and is suffering a loss of earning capacity until he is no more incapacitated. The widower is considered as disabled if he attains 60 and does not work.

3.Sons of the deceased contributor: The sons who are under 21 years of age until they complete such age. This age is extended to 26 years if they are continuing their studies in educational or vocational institution. No age limit is set so long as they are unable to engage in any occupation by reason of chronic disease or infirmity.

4.Daughters of the contributor until they marry.

5.The grandsons and granddaughters whose father died during the lifetime of the contributor and were supported by the contributor until the date of his death, subject to the same conditions as prescribed in respect of the sons and daughters.

6.The father of the contributor who was supported by the contributor himself at the time of his death, provided that the father is unable to work or over sixty years of age and not working.

7.The mother of the contributor who was supported by the contributor himself at the time of his death.

8.The grandfather of the contributor who was supported by the contributor himself at the time of his death, subject to the same conditions required in respect of the father.

9.The grandmother who was supported by the contributor himself at the time of his death.

10.The brothers and sisters, subject to the same conditions required in respect of the sons and daughters, provided that they were supported by the contributor at the time of his death.

Can a contributor who received a lump sum compensation returns it to aggregate the previous service to a new contribution period?

Under the Law, a contributor who returns to employment after receiving a lump sum compensation after 1/1/1422H may request adding his previous service to a new contribution period, provided that he returns the compensation in full within one year from the date of his return.

What is the difference between the terms "Benefit" and "Pension"?

The Pension is the amount periodically paid under the Annuities Branch. The Benefit is the amount periodically paid under the Occupational Hazards Branch. The two terms have the same meaning

What will happen if a pensioner returns to work after receiving the pension, and how the period of the new employment is dealt with?

a.If the pensioner re-engages in employment which is not subject to the scheme, payment of his pension shall continue no matter how long that period goes. But if he returns to a work that is subject to the scheme, payment of his pension will discontinue for the duration of this employment, taking into account the following:
1. If the pensioner returns to employment before attaining the age of sixty, his pension will be suspended for the duration of this employment.
2. If his age at the date of returning to employment between the ages (60 and 65) the pensioner can choose between exemption from contribution for his new work or resumption of contribution in the scheme. In the case of choosing the exemption from contribution, payment of his pension will continue. If he chooses to continue payment of contribution, his pension will discontinue. In the latter case, if his wage is less than the average wage over the last two years or his last contributory wage on which the calculation of this average was based, the pensioner is paid an amount to raise his income to be equal to such average.
3. If his age at the date of returning to employment is 65 years or over, his new work period will not be subjected to the Annuities Branch. His pension will not be suspended and will be subjected to the Occupational Hazards Branch.
b. If the pensioner leaves his new employment, his entitlements are settled based on one of two ways, whichever is greater:
1.Re-calculating the pension following the aggregation of the new period to the previous one, on the basis of the average wage over the last two years of the last contribution period.
2.Or, setting the due amount of the new employment period on the basis of its average wages for the last two years, or the total contribution period. If this settlement is less than such average, settlement will be added to the first pension. The contributor will receive the total of these two pensions.
3.If the new contribution period is ended due to non-occupational disability or death, the contributor or his family members will receive a pension in accordance with the previous calculation rules, or according to the method of calculating the non-occupational disability or death pension, whichever is greater

What are the conditions of pension payment?

Entitlement to pension requires the following:

1- Attaining the age of sixty or over
2- Stop engaging in any work subject to the scheme
3- The contribution period shall not be less than (120) months

Is it possible to send the annual declaration by regular mail?

Yes, the annual declaration can be sent by the regular mail but should be followed-up to ensure that GOSI office officials receive it.

Does the contributor who sustains non-occupational disability receive any other amounts?

If the competent medical board decided that the contributor who has a non-occupational disability needs in his daily life the assistant of another person, he will receive a payment of assistant -of –other which is 50% of the pension, provided that such amount does not exceed the amount of S.R. 3500.

When is the contributor entitled to pension payment?

The contributor is entitled to the pension payment if he is no more engaged in any activity covered under the Law; has attained the age of sixty; and has a contribution period of no less than 120 months

Is there a penalty for those who provide incorrect data in order to benefit or benefit others from the compensation?

Yes, in the following cases

A person who willfully gives incorrect information for the purpose of obtaining for others any undue benefits will be penalized with a fine no more than SR 2,000. The said fine limit will be doubled if the same violation is committed again

A person who gives incorrect information for the purpose of obtaining for himself undue benefits will be penalized with a fine not exceeding the total amount of benefit unduly paid to him by GOSI. Furthermore, he will be required to repay whatever is paid of such social insurance benefits

Are the prisoner's family members entitled to a pension during the period of his imprisonment?

Yes, the family members of the contributor who is sentenced for a term of imprisonment on temporary basis are entitled to a monthly pension, provide that the contributor has a contribution period of no less than 120 months and that the contributor has been sentenced by virtue of a judicial decision for a term of imprisonment of not less than three months, or the contributor remains in prison for that period. The right to the pension expires at the end of the last day of the month, in which the imprisoned contributor is released, with the next months added there to.

Is it allowed to agree upon rules that violate the Law?

According to the Law, any agreement or settlement that violates the Law is invalid; if these agreements affect the rights of beneficiaries or impose extra liabilities on the contributors or their families.

When is the contributor entitled to the payment of a non-occupational disability pension?

The contributor is entitled to a non-occupational disability pension if the disability has occurred before the contributor attains the age of sixty and while the contributor is in employment covered under the Law; the contributor has a contribution period of no less than 12 consecutive months or 18 non-consecutive months; and the state of disability is established by the Medical Board within 18 months at the most from the date of termination of the contribution period

Out monthly pension was not deposited in the bank account this month, what can we do?

You should contact the Benefit Department at GOSI office or log on to GOSIONLINE to inquire about reasons for holding the pension. The reasons for holding the pension are as follows:
1. The annual declaration is not sent to GOSI office.
2. Three years elapse following the date of the power of attorney.
3. A male family member exceeds the age of 21 and GOSI was not provided with a document proving the continuity of study

Can the Medical Board subject the recipient of pension or benefit to a medical examination after he reaches age sixty and after the lapse of five years?

Yes, the Medical Board may subject the recipient of pension or benefit to a medical examination after he reaches age sixty in non-occupational disability cases, and after the lapse of five years from the allocation of benefit in occupational disability cases, in order to verify whether the beneficiary is still in need of assistance of others in performing his everyday life activities.

The allowance determined for this purpose becomes final by completion by the contributor of sixty five years of age for non-occupational disability and by the lapse of ten years from the date of allocation of benefit for occupational disability.

Can a contributor or his family members combine Occupational Hazards Branch with benefits from Annuities Branch?

Combining benefits from the Occupational Hazards Branch with benefits from the Annuities Branch shall be within the limits of the following terms:

a.The contributor may combine both the benefit and the pension, provided that the total does not exceed 100% of the greater of the following two: First: the average wage on which the occupational disability was computed after increasing such average by a default annual increase amounting 7% for each completed year between the date of disability and the date of retirement, provided that the age of the contributor does not exceed sixty. Second: The average wage on which the pension was computed.

b.The contributor or his eligible family members, as applicable, may combine the lump sum compensation payable under the Occupational Hazards Branch with the benefits payable under the Annuities Branch. He or they may also combine the lump sum compensation payable under the Annuities Branch with the benefits payable under the Occupational Hazards Branch.

c. Combination of payable benefits with pensions to family members shall be within the limits of the following terms:

1.The widow may combine her share of the benefit or pension payable in respect of her husband. The same provision is applied to the qualifying widower. The widow my also combine her pension share with her employment wage.

2.The sons and daughters may combine their pension or benefit share payable in respect to their father with that payable in respect to their mother.

3.The grandsons and granddaughters may combine their benefit or pension payable in respect of the contributor with that payable in respect to their father or mother.

4.The disabled family member who is eligible for pension may combine his pension with the benefit due to him.

5.In case the parents, brothers, sisters or grandparent were qualified for more than one pension, they are only paid the greater of such amount. However, if the greater benefit or pension is less than SR 3,000 (three thousand Saudi Riyals), they are paid from the amount of the other benefit or pension with an amount to reach S.R. 3,000.

6. In case any eligible survivor, except for the widow, has an income equal to or more than his share of the benefit or the pension, the payment of his share will discontinued. If the pension is more than the wage itself, he is paid from the pension or the benefit the amount to reach the maximum of S.R. 3,000.

What is the legal status of a contributor who sustained a non-occupational disability after leaving employment?

If the disability occurred while the contributor is not in an employment covered under the scheme, even before the age of sixty, he is entitled to pension if he has a service period of 120 months of contribution, or a period of five or more years of contribution with the aggregation of credited period complementary to 120 months, as well as bearing the contribution rate 18%. This amount is paid in full or through installments by 25% of the monthly pension.

Can the Medical Board issue its decision on the establishment of the state of non-occupational disability even after the contributor attains sixty years of age?

Yes, the Medical Board may issue its decision on the establishment of the state of non-occupational disability even after the contributor attains sixty years of age in the following two cases:

1. If the case had been presented to the Board before the contributor attained age sixty and the procedures had taken some time until he reached such age.

2. If the case had been presented to the Board for the first time on the date the contributor attained age sixty or thereafter and the Board had been certain that the disability state was established before the contributor reached such age.

What is the legal status of the benefit payable to the widow, daughter, sister or granddaughter if she gets married, divorced or widowed?

1. If the widow, daughter, sister or granddaughter marries, the benefit payable to her is suspended and repaid to the other eligible family members. She is paid a marriage grant equals in amount 18 times her share. For example, if the pension is SR 500, the marriage grant is 500 × 18 = SR 9,000.

2. If she is divorced or widowed, payment of her suspended share is resumed to her. In this case, the shares of other eligible family members are redistributed to grant the divorced or widowed her share of the pension or benefit.

Is it allowed to grant a waiver or attachments of dues?

Originally, the entitlement is the contributor’s right or his family members. He is not allowed to waive his rights nor it is allowed to seize his dues, except in accordance with the provisions of the Labor and Workmen Law.

What is the legal status with pensions and benefits already paid prior to the application of the new Law?

The contributor or any of his family members receiving within the Kingdom on the date this Law is put into effect, a monthly benefit or pension payable under the former Social Insurance Law, the payment will be as follows:
1. If the benefit or pension received by the contributor is less than SR 1,500 per month, it will be raised to this amount.
2. If the benefit or pension which has, after the death of the contributor, been divided among his family members is less than SR 1,500 per month, the shares of the eligible family members will be raised to this amount.
3. If the share of any of the family members in the benefit or pension is less than SR 300, it will be raised to this amount, provided that the total amount of the shares of the family members pursuant to this provision must not exceed SR 1,500 per month or the average wage taken as a basis for the calculation of the benefit or pension payable to the deceased contributor, whichever is greater.
4.The provisions of the preceding paragraphs are applicable with effect from the beginning of the month immediately following the date of putting this Law into effect, which is 01/02/1422H.

What are the cases in which the Medical Board may consider the medical reports as sufficient for the purposes of establishment or continuity of the disability state?

The Medical Board itself examines the contributor or beneficiary. However, the Medical Board may consider the medical reports as sufficient for the purposes of establishment or continuity of the disability state in the following cases:

a.If the case is appealed against to the Appeal Medical Board, the contributor has left the Kingdom and the Board is satisfied with the adequacy of the report submitted in respect of this case.

b.In case the medical reports required by the Medical Boards for the establishment of the state of disability are submitted after the contributor’s departure from the Kingdom as supplementary to previous medical examination by the Medical Board.

c.If the contributor, who is afflicted with a non-occupational disability, is only entitled to a lump sum compensation.

d.In case of submission of the medical reports required by the Medical Boards for periodical re-examination of the contributor or beneficiary.

e.Where the case of any family member is considered for the establishment of his earning incapacity.

f.Such other cases as the Governor may permit the Board to be satisfied with the medical reports without the requirement of the contributor to appear before the Board.

What is the legal status of a contributor who does not have actual or credited qualifying periods for him or his family members to receive a pension?

In case the contributor reaches the age of sixty years, sustained a non-occupational disability, or in case of his death and did not have a qualifying period of contribution to receive a pension, he or his family members will receive a lump-sum compensation

I am a voluntary contributor, can I benefit from the addition of a credit period in order to be entitled to a retirement pension?

The voluntary contributor may not benefit from the addition of a credit period order to be entitled to a retirement pension. A contribution period of no less than 120 months as well as attaining the age of sixty are needed to be entitled to a retirement pension.

Are there specific dates for claiming for insurance rights?

Claiming for the daily injury allowance as well as the transportation and accommodation allowances and the funeral grant after the expiry of one year will not be accepted. After five years from the date of becoming entitled to benefits, application for the remaining benefits will not be accepted unless there is an excuse accepted by GOSI.

What is the legal status of a contributor who attained sixty years of age and had a contribution period of at least five years?

Under the Social Insurance Law, it is allowed for the contributor who attains the age of sixty and had at least 60 months of contribution, or his family members in case of his death, to apply for complementary period aggregation which will entitle the contributor or his family members to a pension up to a maximum of five years. The contributor or his family, in case of his death, shall pay the shares of the employer and the contributor i.e., 18%. The credited period is paid in full or by installments.

I am a female beneficiary of the pension of my deceased father and the marriage contract was signed last month and I will be married after three months, can I inform GOSI before or after the marriage?

You should inform GOSI immediately after the marriage contract. The date of marriage contract will be relied on when paying the marriage grant which equals in amount 18 times the monthly benefit or pension you were receiving.

How the non-occupational disability pension and the death pension are calculated?

Non-occupational disability pension and death pension are calculated with the same equation used to calculate the retirement pension, provided that the pension amount is not less than 50% of the average wage on which the pension was calculated. The contributor must be in employment at the time of disability or death.

How the lump-sum compensation is calculated?

The calculation of a lump sum compensation for those whose period of contribution discontinues after the implementation of the new Law shall be 10% of the average wage during the last two years of the contribution period on which the calculation of pension is based for each month of the first five years, and 12% of the average wage for each month after such five years.

Example: If we assume that the contributor had a period of 84 months and his average wage is S.R. 1,000, the lump sum compensation is calculated as follows:

1,000 × 10% × 60 = S.R. 6,000 (contribution period up to five years - the first period -). The lump sum compensation for the second period is 1,000 × 12% × 24 = S.R. 2,880; thus, the total lump-sum compensation is 6,000 +2,880 = S.R. 8,880.

As for the contribution period prior to the implementation of the new Law, it shall be 6% of the average wage over the last two years for each month of the first five years, and 7% of the average wage for each month after such five years.

1,000 × 6% × 60 = S.R 3,600 + 1,000 × 7% × 24 = S.R. 1,680. The total becomes S.R. 5,280. As for the family members of the deceased, the compensation is equally distributed among them.

Is there a minimum pension share for each family member?

According to the Law, the minimum share of each member of the family is at least S.R. 396.75, provided that the total shares of family members do not exceed the average wage over the last two years of contribution, or S.R. 1983.75 whichever is higher. If the shares are higher than such amounts, they are reduced to equal shares to reach any of such two amounts

ما هو الوضع النظامي في حالة عودة صاحب معاش العجز غير المهني إلى عمل جديد خاضع للنظام بعد تاريخ صرف المعاش؟

في حالة عودة صاحب معاش العجز غير المهني إلى عمل جديد خاضع للنظام بعد تاريخ صرفه للمعاش يتم عرضه على اللجنة الطبية المختصة فإذا تبين أن حالة العجز قد زالت وشفي منها، يتم إيقاف صرف معاشه واستئناف الاشتراك.

ما هو الوضع النظامي للمشترك الذي يحكم عليه بالسجن؟

إذا توافرت لدى المشترك مدة اشتراك لا تقل عن (120) شهراً، وحُكم عليه قبل بلوغه سن الستين بعقوبة السجن مدة لا تقل عن ثلاثة أشهر، وأنهى صاحب العمل خدمته، وأخطرت المؤسسة بذلك فإنه يحق لأفراد عائلته صرف معاش تقاعد، ويستمر الصرف لهم طوال فترة سجنه.

وفي حال صدور حكم بالسجن لمدة 5 سنوات فأكثر وتوفرت لدى المشترك مدة اشتراك تقل عن 120 شهراً، فإنه يُصرف لأفراد عائلة المشترك المسجون دفعة سجين.

لمن يصرف معاش أفراد عائلة السجين؟

يصرف عن طريق مفوض يتم تحديده من جانب المشترك، فإذا لم يتم تحديد شخص يصرف المعاش لمن ينيبه أفراد العائلة المستحقين منهم، فإذا لم ينيبوا أحداً يصرف المعاش للزوجة أو لأرشدهم. يبدأ استحقاق المعاش من أول الشهر التالي لتاريخ دخول المشترك السجن لمن صدر بحقه حكم أو أمر من صاحب الصلاحية، أومن أول الشهر التالي لانقضاء ثلاثة أشهر لمن بقي في السجن هذه المدة, وينتهي الحق في المعاش بنهاية اليوم الأخير من الشهر الذي خرج فيه المشترك من السجن، بالإضافة إلى ثلاثة أشهر تالية لـه.

- يصبح المعاش نهائياً في حالة بلوغ المشترك سن الستين أثناء سجنه.

ما هو الوضع النظامي للمشترك الذي يصاب بعجز غير مهني بعد تركه العمل؟

يُصرف له معاش التقاعد متى توافرت لديه مدة اشتراك لا تقل عن (120) شهراً، أو مدة خمس سنوات فعلية على الأقل مع ضم المدة الاعتبارية* المكملة لمدة (120) شهراً، ويحصل على الحد الأدنى للمعاش (1983.75) ريال إذا كان المعاش يقل عن ذلك، وإذا كانت المدة أقل من (60) شهراً يتم صرف تعويض دفعة واحدة.

هل يجوز أن تصدر اللجنة الطبية قرارها بثبوت حالة العجز غير المهني ولو بعد بلوغ المشترك سن الستين؟

نعم يجوز ذلك في الحالتين الآتيتين: -
1- إذا كانت الحالة قد عرضت على اللجنة قبل بلوغ المشترك سن الستين واستغرقت الإجراءات بعض الوقت إلى حين بلوغ هذا السن.
2- إذا كانت الحالة قد عرضت على اللجنة لأول مرة في تاريخ بلوغ المشترك سن الستين أو بعد ذلك وتأكد للجنة أن حالة العجز كانت ثابتة لدى المشترك قبل بلوغ هذا السن.

كيف يحدد السن لاستحقاق التعويضات؟

يتم تحديد السن في مجال استحقاق التعويضات وفقا للتقويم الهجري، وإذا كان تاريخ الميلاد محدداً بالتقويم الميلادي يؤخذ بالتاريخ المناظر لـه بالتقويم الهجري.

ما هو الوضع النظامي للمشترك الذي لم تتوافر لديه المدد المؤهلة سواء كانت فعلية أو اعتبارية لاستحقاقه أو أفراد عائلته للمعاش؟

في حالة بلوغ المشترك سن الستين من عمره، أو في حالة وفاته ولم تتوافر لـه المدة المؤهلة لصرف المعاش، فللمشترك أو أفراد العائلة في هذه الحالة الحصول على تعويض من دفعة واحدة.

ماهي الحالات التي يحق للمشترك طلب صرف تعويض الدفعة الواحدة قبل بلوغ سن الستين؟

يجوز للمشترك طلب صرف التعويض قبل بلوغه سن الستين في الحالات الآتية:

إذا انتقل إلى عمل خاضع لنظامي التقاعد المدني أو العسكري وكانت مدة اشتراكه في التأمينات الاجتماعية أقل من سنة.
إذا كان من المشتغلين بالأعمال الشاقة أو الضارة بالصحة، مع توفر مدة اشتراك لا تقل عن 120 شهراً.
إذا كان قد صدر بحق المشترك حكم قضائي بالسجن مدة خمس سنوات فأكثر، وكانت مدة اشتراكه في التأمينات أقل من 120 شهراً.
إذا كان المشترك قد أسقطت عنه الجنسية السعودية.

كيف يتم حساب تعويض الدفعة الواحدة؟

يحسب تعويض الدفعة الواحدة بواقع (10%) من متوسط الأجر خلال السنتين الأخيرتين عن مدة الخمس سنوات الأولى وبواقع (12%) عن كل شهر يزيد عن هذا القدر بالنسبة للفترة اللاحقة على 1/1/1422هـ، وبواقع (6%) من المتوسط عن كل شهر من أشهر الخمس سنوات الأولى، وبواقع (7%) عن كل شهر يزيد عن هذا القدر عن الفترة السابقة على 1/1/1422هـ.

هل هناك حدود قصوى للمعاش؟

لا يجوز أن يتجاوز المعاش نسبة (100%) من متوسط الأجر الذي تم حساب المعاش على أساسه.

متى يبدأ استحقاق المعاش ومتى ينتهي؟

يبدأ استحقاق المعاشات من أول الشهر التالي للشهر الذي حدثت فيه الواقعة الموجبة للاستحقاق ويتم استحقاق المعاش مقدما اعتبارا من ذلك التاريخ، ويتم صرف هذه المعاشات وفق التقويم الميلادي ويراعى ألا تتجاوز مواعيد الصرف الدوري للمعاشات الأسبوع الأول من كل شهر من ذات التقويم

كيف تحسب الاشتراكات المستحقة عن المدة الاعتبارية* وكيف يحسب المعاش عنها؟

في حالة ضم مدة اعتبارية* إلى مدة الاشتراك الفعلية فإن الاشتراكات المستحقة عن هذه المدة ُتحسب على أساس متوسط الأجر* خلال السنتين الأخيرتين من مدة الاشتراك الفعلية ×المدة المكملة ×نسبة (18%).

يُحسب معاش المدة الاعتبارية* على أساس (متوسط الأجور* الذي احتسب على أساسه المعاش × المدة المضافة /480) ويضاف ناتجها إلى ناتج حساب المدة الفعلية ويحصل المشترك أو أفراد عائلته على معاش بمجموع هذين المعاشين

هل يمكن صرف المعاش للمشترك قبل بلوغ سن الستين؟

أجاز النظام للمشترك الذي لم يبلغ سن الستين وفق الحالات التالية:

1- معاش التقاعد المبكر إذا توقف عن مزاولة أي عمل خاضع للنظام وتوافرت له مدة اشتراك لا تقل عن (300) شهرا أي (25) سنة.

2- إذا كان المشترك من بين العاملين في الأعمال الشاقة أو الضارة بالصحة (مثل أعمال المناجم وتكسير الأحجار) وكانت له مدة اشتراك قدرها (120) شهرا وبلغ سن الخامسة والخمسين أو تجاوزها (وأن يكون قد استمر في مزاولة الأعمال الشاقة بصورة فعلية طوال الخمس سنوات الأخيرة من مدة اشتراكه).

إذا حكم على المشترك بالسجن لمدة ثلاثة أشهر أو أكثر وكانت لـه مدة الاشتراك لا تقل عن (120) شهراً فإنه يصرف لأفراد عائلته معاش التقاعد.

ماهي الشهادات التي يمكن للمتقاعد الحصول عليها من خلال الاون لاين؟

1- شهادة بمقدار معاش.

2- شهادة مفصلة بمقدار المعاش.

3- شهادة بمقدار معاش باللغة الانجليزية.

4- شهادة التزام تحويل مستحقات.

ماهي آلية إضافة المعالين إلى معاش التقاعد؟

يتم احتساب نسبة إضافية للمعالين عن مدد الاشتراك التي تسبق 1/1/1422هـ . وفي حال وجود معال واحد يضاف نسبة 10% إلى المعاش، ونسبة 15% إذا كان عدد المعالين اثنين، ونسبة 20% إذا كان عدد المعالين ثلاثة معالين أو أكثر.

Retired (46)

Below are the list of Retirement related FAQ's

يمكنك أيضًا إتمام معاملتك عن طريق زيارة الروابط أدناه.

لخدمتك بشكل أفضل،الرجاء الاختيار :