Terminologies

GOSI

Minister of Finance

Social Insurance Law, Civil Pension Law, Military Pension Law, Unemployment Insurance Law (SANED), Benefits Exchange Law, and the Unified Law of Insurance Protection Extension For civilians and military

GOSI Board of Directors

GOSI Chairman of the Board of Directors

GOSI Governor

It is the Social Insurance Law, and it includes the Annuities Branch, and the Occupational Hazards Branch

They are the employers, contributors, beneficiaries, and eligible family members of the beneficiary

A set of rules and detailed and procedural provisions for the statutory texts contained in the Social Insurance Laws

The benefits provided by the Insurance Laws, which can be cash benefits (Insurance benefits), or treatment services and other associated services

It is a fund that contains the entitlements of contributors, beneficiaries, and eligible family members of the beneficiary, which aims to provide insurance coverage for them

It appears on the financial statement to understand the nature of the financial performance after deducting the Organization's liabilities

Increase or decrease in the market value of investments assets during a given period due to fluctuations in the financial markets (such as the increase or decrease in the prices of stocks, bonds, and foreign currencies). These profits/losses are not resulting from the investment activity from the sale and purchase of investment assets

All returns resulting from the GOSI investments, including but not limited to realized and unrealized profits/losses on all investment transactions, stocks dividends, bond returns, real estate rental returns, and other returns

The amount that the employer or voluntary contributor is obligated to pay due to late payment of contributions, as per the Social Insurance Law.

Compensations that are entitled by Social Insurance Laws for contributors, beneficiaries, and eligible family members of the beneficiary based on th eligibility conditions.

Civil and Military Retirement Law.

Military forces affiliated with the Ministry of Defense, Internal Security Forces, National Guard Forces, military organization for General Intelligence, Presidency of State Security, and Royal Guard.

The additional period, other than the considered periods, which the military contributor spends in service.

A law which addresses the status of Saudi nationals who are subject to Social Insurance Law when they move to a job that is subject to one of the two laws of retirement, or vice versa. They are entitled to one pension when they retire in accordance with the latter law.

Civil Retirement Law, Military Retirement Law, or Social Insurance Law to which the contributor had been subject before moving to a job, which is subject to the latter law as provided for by the Benefits Exchange Law.

Civil Retirement Law, Military Retirement Law, or Social Insurance Law governing the work to which the contributor moved and his service terminated in the meantime. That is as provided for by the Benefits Exchange Law.

The paid value from the former law to the latter law, which is calculated depending on actuarial tables within the Benefits Exchange Law in accordance with the reason for termination of service.

It is a law that aims at achieving the insurance coverage for the GCC citizens whom are working abroad in one of the GCC countries.

The Unified Law of Extending the Insurance Coverage for civilians from the GCC citizens whom are working abroad in one of the GCC countries

The Unified Law of Extending the Insurance Coverage for Military from the GCC citizens whom are working abroad in one of the GCC countries

The Cooperation Council for the Arab countries of the Gulf.

Member Countries of the Cooperation Council for the Arab countries of the Gulf.

The GCC country in which the contributor works.

Any of GCC countries, where the contributor has its nationality.

Contributors who are nationals of a GCC countries, working outside their country in other GCC countries.

Social Insurance Laws/ Regulations that applicable in GCC countries.

Any citizen of the GCC countries is working for a wage under any employer in either GCC countries and is subject to the laws/regulations of social insurance in the countries of the Cooperation Council.

The concerned Agencies in the GCC countries entrusted with the application of Social Insurance laws

The contributory wage on the basis of which the contributions are paid in accordance with the provisions of the law / regulation of the contributor's home country.

A worker's loss of employment through no fault of his own despite being able and willing to work and actively seek work.

The amounts that paid by the employer and the Saudi contributor as a share of the wage that subject to the unemployment Insurance contribution.

A branch entrusted with providing compensations for the contributor and his family members in cases of retirement and death in accordance with the Social Insurance Law and its Implementing Regulations.

The amounts deducted from the contributory wage of the contributor in addition to the amounts covered by the employer for the insurance coverage in accordance with the annuities branch under the Social Insurance Law.

A person who has the conditions of entitlement to an compensations in accordance with the provisions of the Social Insurance Laws.

A contributor who has the conditions of entitlement to an insurance benefit depending on his contributions' registry or his disability case in accordance with the provisions of the Social Insurance Laws.

The unemployed contributor who has the conditions of entitlement to a compensation in accordance with the provisions of the Social Insurance Laws.

A person who is eligible for the entitlement due to kinship with the beneficiary in accordance with the provisions of the Social Insurance Laws.

The monthly amount to which the beneficiary is entitled in accordance with the provisions of the Social Insurance Laws.

The amount to which the beneficiary is entitled for one time, in accordance with the provisions of the Social Insurance Laws.

The age specified within the social insurance law for receiving the periodical insurance benefit whenever the contribution period is fulfilled in accordance with each law.

The calculation through which the insurance benefits is allocated.

The process of executing seizure of periodical insurance benefits or part of it, or deducted insurance benefits or part of it, in favor of a person or an entity.

The procedure by which the payment of benefits to the person is suspended due to cessation of conditions of eligibility for periodical insurance benefits. Discontinuity of the Settlement.

The procedure by which the payment of periodical insurance benefits is delayed temporarily by the organization to the eligible person, owing to incomplete required procedures for the payment. However, the payments shall be resumed following the completion of the required procedure.

A form to prove the state of the entitled family members on behalf of the beneficiary.

Receiving more than one periodical insurance benefit, provided that the sum thereof does not exceed the amount stated within Social Insurance Laws and its Implementing Regulations.

Completing the total benefits of entitled family members on behalf of beneficiary, of no less than a specified percentage or the minimum of periodical insurance benefit in accordance with Social Insurance Laws.

The additional amount payable from periodical insurance benefit to another beneficiary, subject to certain controls.

Any amounts paid to a person who is not entitled to them leading into indebtedness.

Ratio of periodical insurance benefits to contributory wage during work.

It means cash housing allowance and in-kind housing allowance. As Cash Housing allowance is valued upon an agreement between the employer and the contributor while In-kind housing allowance's value is subjected to contribution deduction, equivalent to two months' basic salary.

The rate that represents the percentage of entitlement defined by the law in the entitlement equation, and upon which the settlement is carried out.

The Person who is entitled to benefits due to their kinship with the beneficiary in accordance with the provisions of Social Insurance Laws and they are:-

A- Son:

Son of the contributor or beneficiary who has the conditions of entitlement in accordance to GOSI's laws and regulations, provided that he is under (21) years and until he completes such age, which is extendible to (26) years if he is pursuing his studies, and no age limit is set as long as he is suffering a disability.

B - Daughter

Daughter of the contributor or beneficiary who has the conditions of entitlement in accordance to GOSI's laws and regulations until she gets married.

C - Brother:

Brother or half-brother of the contributor or beneficiary, subject to the same conditions provided for in respect of the son, provided that they have been supported by the contributor, their brother.

D- Sister:

Sister or Half Sister of the contributor or Beneficiary, subject to the same entitlement conditions; where they are under their brother's support

E - Father

Father of the contributor or beneficiary who was supported by the contributor or beneficiary , provided that he is suffering a disability preventing him from workm or if he is over (60) years and not working and he is considered as disabled if he was over sixty and not working.

F- Sons and Daughters of a Dead Son

Grandsons and granddaughters of the contributor or beneficiary if the Son died during the lifetime of the contributor or the beneficiary, provided that they have been supported

G- Mother:

The mother of the contributor or beneficiary if she was supported by the contributor

H - Widow:

The wife/wives of the contributor or beneficiary or his divorcee by revocable divorce, if the death occurred during the waiting period. This entitlement doesn’t apply for the divorcee by an irrevocable divorce.

I- Wife:

She is a wife/wifes of the contributor or beneficiary in the law.

J- Husband:

He is a husband of contributor or beneficiary in the law, if he is disable of earning money until his disability disappears

K- Grandfather:

Grandfather of the deceased contributor or beneficiary who was supported by the contributor, with the same conditions of the father.

L - Grandmother:

Grandmother of the contributor or beneficiary who was supported by the contributor

It is a one-time grant payable to an entitled female among family members due from her periodical insurance benefit in the event of her marriage. It amounts to (18) times the value of her share. Her payment will discontinue from the end of the month in which the marriage was performed in accordance with Social Insurance Law.

The compensations payable to the contributories and their family members in accordance with the annuities branch within the Social Insurance Law

Each person has an effective guardianship, entrusting him with the capacity to receive the insurance benefits of the beneficiary "the one to whom he is assigned, who is under the age of majority or mental maturity" from the Organization.

Every person has an effective legal power of attorney, entitles him to receive insurance benefits of the beneficiary "The agent" from the Organization.

Retirement before the legal age, for which the contributor is entitled to get a periodic insurance benefit.

Under the application of the provisions of the Social Insurance Law, a person is considered to be under the ‎dependency of the contributor or beneficiary if he depends (relies) on the expenses that the contributor or beneficiary provides him to deal with any of his livelihood basic issues.

The former contributor return to contribution, according to one of the following cases:

1. The discontinued contributor who returns to contribution in one of the Social Insurance Laws

2. The beneficiary of the two retirement laws who returns to contribution in one of them after his retirement.

3. The beneficiary of the Social Insurance Law who returns to Contribution in the same law after his retirement.

The period excluded from the durations spent by the person as a contributor in one of the Social Insurance Laws.

The transfer of the contributor’s job for a certain employer temporarily to another employer, such as government agencies, private sector institutions, non-profit institutions, foreign governments, or regional or international entities or organizations

It is the study leave made with the decision of the employer and resulted in the contributor obtaining the academic qualification for which the leave was given.

The beneficiary renouncing from retirement according to one of the following cases:

1. The beneficiary of the Pension Laws who returns to contribute in one of the two pension laws (Civil and military) or in case of the entity cancels the retirement decision after allocating the periodic insurance benefits to the beneficiary.

2. The beneficiary of the Social insurance Law who returns to contribution in the same law after his retirement.

A part of twenty-four parts of the average contributory wage during the last twenty-four months of the contribution period according to the Social Insurance Law.

Practical steps taken by GOSI to implement Social Insurance Laws in registering employers and contributors.

The client submits a request stating that he is not convinced with the decision issued by any authority in GOSI and requests a reconsideration of the decision according to the Social Insurance Laws.

The fixed registration number of the entity in the Social insurance Law.

The month for which the contribution is paid.

Every person who is subjects to the Social Insurance Laws through an employment relationship with the employer in addition to the voluntary contributor according to the articles of the Social Insurance Laws.

The contributor wage that is subject to Social Insurance Laws, regardless of the method of performance or its calculation, after excluding grants, annual bonuses, and in-kind benefits.

The refunded percentage deducted from the contributor for non-compliant Contributions or Voluntary Contribution according to social insurance laws

The considered period spent by the person as a contributor in the social insurance laws.

The legal entity through which the employer conducts his activity, and bears his name or trade name for this activity.

It is the one that proves to the establishments if they are free-standing and not related to their owner and have their own legal entity and financial disclosure independent of the financial disclosure of their owners.

The card that is given to the contributor or beneficiary to identify them for the purposes of the Social Insurance Laws, which proves his contribuation or entitlement

The one that GOSI approves from among its employees to monitor the implementation of the Social Insurance Law and the measures taken to implement it, and who have legal powers within the limits of their prescribed duties

The person appointed by the employer, who specializes in managing operations (registration, exclusion, updating, etc.) at the establishment, in the social insurance account.

A branch specialized in regulating compensations in case of work injuries according to the Social Insurance Law and its implementing regulations.

A study handling a detailed examination of the financial position of the funds, estimating their existing and future liabilities, and measuring their ability to fulfil their liabilities in the long term, through estimating the current and future liabilities.

The present value of the accrued liabilities due in the future, based on economic and demographic assumptions.

A ratio that measures the ratio of current assets to actuarial liabilities.

It is the deficit/surplus resulting from the difference between the present value of the actuarial assets and liabilities.

The present value of the total deferred amounts to be disbursed to the contributor, which is calculated according to actuarial tables.

The amounts paid by the employer on behalf of all his Saudi and non-Saudi workers, at a specific rate of the monthly contributory wage for protection from work hazards according to the social insurance law.

The disability resulting from an injury or disease that does not fall under the description of occupational injury that prevents the employee from continuing his work.

Disability due to work, which is caused by occupational injury or disease and reduces the contributor's ability to earn.

The contributor who is paid an insurance benefit if he is injured and fulfils the eligibility conditions in accordance with the provisions of the Social Insurance Laws.

The injury resulting from an accident that occurred to the contributor during work, or the injury occurred in an accident on the way from his home to his workplace and vice versa, or that occurred on his way from his workplace where he eats or prays and vice versa, or the injury that occurs during the movements he makes to do a task assigned to him by the employer. Also, occupational injury is considered to be the diseases that prove to be caused by work, as well as the diseases specified in the Occupational Diseases Table.

The disease that arises due to work in a profession or industry that causes this disease, and is not due to factors beyond this work, provided that this disease is included in the occupational diseases table, which specifices these diseases and it is considered the first medical observation by the date of the injury.

The duration from the date of the injury and the entry of the injured person to the treatment provider until he recovers, becomes medically stable, his disability is proven, or he dies, including the period of visits to the clinic at the treatment provider and hospitalization.

Instructions issued by the medical party to the injured contributor, according to which, the organization may stop paying some of his benefits if he does not comply with these instructions in accordance with the Social Insurance Law.

The date specified by the competent medical committee to prove the disability.

Disability ratio resulting from the injury to the full workability, which is a percentage that is estimated by the medical committees according to the disability of the worker, whether it is physical, mental, or psychological due to the injury.

The injured person gets periodic medical examinations during the five years following the allocation of the benefit, re-estimation of disability includes either an increase, a decrease, or the continuation of the percentage of disability as it is. Determining that the percentage of disability is due to the assessment of the competent medical committees, in accordance with the Social Insurance Law.

Recurrence of the symptoms of the injury that was recovering or getting worse. This is considered the basis for the injured right to be re-examined to re-estimate his degree of disability. A relapse or complications are considered the original occupational injury, according to the Social Insurance Law.

The daily allowance is the monetary amount that is spent during the contributor’s absence from work due to injury. It is estimated at (100%) of the wage and is reduced to (75%) if he is on treatment at the expense of GOSI. This allowance shall remain effective until the date of their recovery, incapacity or death according to the Social Insurance Law.

The due amount that is paid once to the injured contributor in the event that he does not fulfil the conditions for the periodic insurance benefits whenever his disability percentage is (1%) or more and less than (50%) according to the Social Insurance Law.

The contributor who has an accident or suffers from a disease and is covered according to the Social Insurance Law.

The due monthly amount that is paid to the injured person due to total or partial disability, or that is paid to family members in the event of death due to injury, when applying the Occupational Hazards Branch.

The amount that is added to the insurance benefit, which is estimated at (50%) of its value in case where the injured person is in constant need of assistance and help from others to carry out the burdens of his daily life. The medical committees determine the extent of the injured person need for this benefit, with a maximum of (3500) riyals, according to the Social Insurance Law.

The committee appointed by GOSI to discuss medical matters in accordance with the Social Insurance Law which determines the degree of disability of the injured or patient with an occupational disease or the case of non-occupational disability. It is composed of at least two doctors, one of them represents GOSI where applicable.

A committee composed of specialized members selected from higher medical authorities to consider any appeals against the decisions of the elementary medical committees in the event that the contributor or GOSI objects to the last decisions of these committees.

A strategic relationship between GOSI and third parties to provide additional services to all GOSI clients or part of them upon the agreement made with the partner.

The provider of the service or offer to the GOSI clients.

Taqdeer Program is a national initiative provided by GOSI in appreciation of the beneficiaries for their efforts in serving the country. It is also based on important partnerships with many success partners to provide various services to beneficiaries through its stages.

A financing investment program to buy a home.

Failure to comply with the implementation of the Social Insurance Law provisions and executive regulations for the subject to contributors and