Every employee is registered with GOSI (General Organization of Social Insurance) in Saudi Arabia. Your employer is paying a certain percentage of your salary every month as GOSI contribution. We have discussed this concept in detail in the following link “Contribution to GOSI for Saudi and Non-Saudi Employees”. Do you know that you are entitled to many rights against this contribution paid by your employer to GOSI? I think 90% of the expatriate and Saudi employees living in Saudi Arabia are not aware of these rights. I have explained the benefits an expatriate and Saudi employee is entitled to against the GOSI contribution below.
Medical Care: In case an expatriate or Saudi employee is injured due to occupational injury, GOSI will take care of his all medical treatment without any limit of time.
Daily Allowance: If occupational injury leads to a temporary disability in a way that injured person cannot perform his duties, he is entitled to a daily allowance which is equivalent to 100% of his daily wages. This allowance will be reduced to 75% of his daily wages if GOSI is taking care of his medical expenses. It is very important to mention here that apart from the benefits from GOSI, the employer is also responsible for compensating employee with some benefits as per Saudi Labor Law. I strongly recommend you to go through this link “Compensation in case of Work Injury as per Saudi Labor Law“
It is important to mention here that every employee is also entitled to 4 months fully, partially and unpaid sick leave from the employer. Recommended: Entitled Leaves as per Saudi Labor Law
Disability of an expatriate (non-Saudi) employee: In the case of permanent disability or Death of an expatriate or Non-Saudi Employee due to occupational injury, he is entitled to a lump sum amount equivalent to 84 months’ salary of calculated based upon the average salary of last three months. However, this amount cannot exceed SR 330,000/-.
In the case of partial disability of an expatriate or Non-Saudi Employee from 50% to 99% due to occupational injury, he is entitled to a lump sum amount equivalent to 60 months’ salary of calculated based upon the average salary of last three months. However, this amount cannot exceed SR 165,000/-.
Permanent Disability of a Saudi Employee: In the case of permanent disability of a Saudi Employee, GOSI will pay him for the lifetime an average salary of his last three months. This salary will be reviewed after 5 years and then after 10 years.
- *Salary: Basic Salary + Housing Allowance
Occupational Injury: Medical Care and Cash Compensation are the two types of benefits assured by the GOSI (General Organization of Social Insurance) in the case of occupational injury takes place. Before going into detail about the benefits, I think we should clarify the definition of occupational Injury. The injured person, or his representative, must notify the employer within seven days after the injury’s occurrence, deterioration or complication takes place or the disease is discovered. The employer, or his representative, must notify GOSI Field Office of the employment injury for which first-aid is insufficient, within three days after he is informed of the injury or takes note of its occurrence. The injury is considered occupational injury in the following 5 cases.
- If accident takes places during work or it resulted from the work
- If an accident takes place on his way to the workplace from his home, on the way back to home from the workplace, while going somewhere to have lunch or perform prayers from the workplace.
- If an accident takes place during his movements in order to perform the tasks entrusted to him by the employer.
- Any disease caused by the work
- Any disease sustained by the contributor specified in the table of occupational diseases