FREQUENTLY ASKED QUESTIONS

VIC (22)

VIC a page contain the most questions related to VIC and any related issues

Below are the list of VICs related FAQ's

What is the legal age for voluntary contributor?

The age of voluntary contribution applicant should be at least 18 years and under 60 years. As for a former contributor, he has the right to apply for voluntary contribution irrespective of his age on the date of applying for voluntary contribution

What is the percentage of contributions to the Annuities Branch?

a.The percentage of contributions to the Annuities Branch is 18% of the contributory wage, of which 9% is payable by the employer and 9% is payable by the contributor.

b.The percentage of voluntary contributions is 18% of the income category chosen by the contributor. This percentage is wholly payable by the contributor

What is the maximum and minimum contributory wage?

The maximum contributory wage is SR 45,000. This limit may be raised by the Regulations as revealed by a revision of wage levels to be made from time to time. The minimum contributory wage is SR 400.

When does the voluntary contributor pay these contributions?

The contributor should pay the contribution due for each month in advance within the first fifteen days of each month. The advance payment of contributions may be accepted for any period

How is the voluntary contribution year determined?

The contribution year in respect of the voluntary contributor is the Hijrah calendar year which starts at the beginning of the month of Muharram and ends at the end of the month of Dhual-Hijjah, or the Gregorian calendar year which starts at the beginning of the month of January and ends at the end of the month of December as opted by the contributor who may not change his option

Can the worker be re-covered by the Annuities Branch?

Yes, the Law allows any contributing worker, whose compulsory contribution to the Annuities Branch is discontinued, to continue his contribution to that branch in order to complete the qualifying period for entitlement to a pension. This is subject to submitting a request whereby the worker undertakes to pay the prescribed contributions payable by both the employer and the worker (18% of the wage category) in addition to refunding the lump sum compensation if its is paid after 01/01/1422 H. (the date of applying the new Law).

Can the voluntary contributor change the income category?

Yes, the Law allows the voluntary contributor to change the income category to a higher or lower one, provided that he submits his application for the change before the beginning of the insurance year or within the first fifteen days of the first month of the said year.

Can the voluntary contributor designate representatives to act on his behalf when dealing with GOSI?

The contributor may designate the name or names and specimen signatures of the representatives who act on his behalf for the purposes of application of the provisions of the Social Insurance Law and Regulations, particularly for submission of documents, completion of forms and reporting the events required to qualify to benefits. Any actions taken through any of such representatives will be deemed as binding to the contributor. The contributor may replace such representatives any time after giving GOSI a notice to this effect. If he does not designate any representative to act on his behalf to do so, he should be liable to deal with GOSI by himself.

What does the contributor's share mean?

The term "contributor’s share" means the 9% of the contribution payable by the compulsory contributor for each contribution month, or the contribution payable by the voluntary contributor for each contribution month by 18% of the desired income category.

What does the income category mean?

It is the monthly amount chosen by the voluntarily contributor from among the 40 income categories included in Schedule No. (1) in the Law, starting from S.R.1,200 up to S.R. 45,000. The desired category is taken as a basis for the computation of the amount of the monthly contribution payable by the contributor and the amount of benefits he may be entitled to, and it is regarded the same as the contributory wage in respect of the compulsory contributor

What is the legal action of a voluntary contributor who employs workers?

If the applicant for voluntary coverage employs workers, his application for voluntary coverage will not be accepted unless he registers his establishment and all his workers, and pays the contributions due in respect of such workers so long as they fulfill the conditions of compulsory coverage under the Scheme

How is the contributory wage for voluntary contributors identified?

The voluntary contribution applicant chooses an income category of the schedule attached to the Social Insurance Law. The category will be considered as the contributory wage. The table includes 40 categories starting from SR 1,200 to SR 45,000.

The contributor may apply for changing his current contributory income category to the immediately higher or lower one, provided that he submits his application for the change before the beginning of the insurance year or within the first fifteen days of the first month of the said year.

As for the contributor who has a compulsory contribution period and applies for voluntary contribution, the contribution should be based on the income category that does not exceed the last contributory wage he was receiving during his compulsory contribution by more than 10%. If his previous wage plus the said percentage fall between two categories, he may chose the higher one. Nevertheless, he may elect any category higher than that one, in which case the benefits he will eventually be entitled to will be computed on the grounds that his compulsory contribution period is considered as an independent period.

What does the income category mean?

Who is the voluntary contributor?

He is any Saudi national belonging to the following categories:

1.(a) The person who is engaged in liberal professions such as physicians, engineers, lawyers, consulting office owners, etc., subject to obtaining from the appropriate authority a license to practice such professions.

(b) The person who conducts, for himself, or in partnership with others, a commercial, industrial, agricultural or service activity.

2.The worker who is employed abroad but has no work relationship with an employer who has a head office within the Kingdom.

3.The contributor whose compulsory coverage under the Annuities Branch has ceased due to his departure from the scope of compulsory coverage and has expressed his wish to continue his membership.

4.The Saudi citizen working in foreign international, diplomatic or military missions in the Kingdom, if not being compulsorily covered.

What is the legal action if the activity of voluntary contributor is discontinued?

If an activity on which basis a voluntary contributor has been registered is discontinued, his contribution will be terminated at the end of the month in which his activity is discontinued or at the end of the last month for which contributions have been paid if his activity has already been discontinued. However, if it is discovered that he has continued payment of contributions beyond the date of discontinuation of the activity, the contributions paid for the months following the said date will be refunded to him

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.

What are the provisions applied to the voluntary contributor?

The provisions applied to the compulsory contributor are also applied to the voluntary contributor, unless the Law provides for exceptions.

Is it allowed for civil or military government retirees to contribute to the social insurance scheme? And what are the conditions?

Any civil or military government retiree who joins the private sector is compulsory subjected to the Scheme. He may also request a voluntary contribution if he is a tradesman, or conducts, for himself, or in partnership with others a commercial, industrial, agricultural or service activity, or if he is one of the workers who are employed abroad but have no work relationship with an employer who has a head office within the Kingdom, or working in foreign diplomatic missions in the Kingdom and is not compulsorily covered.

In the previous cases, the contributor must be under the age of sixty when applying to register

What does fines for delay mean?

The term "fines for delay" means the amounts which the employer or voluntary contributor is liable to pay for the periods of delay in payment of the monthly contribution

How can I register with the Scheme?

The registration of voluntary contributors and non-governmental employers and their workers is done by filling out and submitting of approved forms. The workers in the government sector are registered in accordance with a decision of appointment and are excluded in accordance with a decision of termination

هل يحق للمشترك الاختياري الذي تتوافر لديه مدة اشتراك إلزامية أكثر من 60 شهراً، ولم يكمل 120 شهراً في الاشتراك الاختياري طلب معاش التقاعد؟

يحق للمشترك الذي بلغ عمر 60 سنة ولديه مدة إلزامية 60 شهراً فأكثر ومدة اختيارية، ولم يكمل مجموع 120 شهراً، طلب معاش التقاعد بإكمال مدة اعتبارية على الاشتراك الإلزامي، كما يحق له رد اشتراكات الاشتراك الاختياري وصرف المعاش.

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VIC (22)

Below are the list of VICs related FAQ's

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