Article 20 of the Saudi GCC Insurance Protection Extension Law
المادة 20 من النظام الموحد لمد الحماية التأمينية لمواطني دول مجلس التعاون لدول الخليج العربية العاملين في غير دولهم في أي دولة عضو في المجلس · الباب الخامس: أحكام ختامية
The article provides that applying the Law creates no financial obligations on the workplace state's retirement or insurance body toward the employee, worker, beneficiaries or employer.
Official text (Arabic)
This article has not been amended since the law was issued.
لا يترتب على تطبيق هذا النظام أية التزامات مالية على جهاز التقاعد المدني / التأمينات الاجتماعية في الدولة مقر العمل قبل الموظف / العامل أو المستحقين أو صاحب العمل .
This is the official Arabic wording, the only legally binding version. We do not translate the law itself; the explanation below is ours. Official source: Bureau of Experts at the Council of Ministers
Article 20 explained in plain English
This article sets a clear limit on the liability of the retirement or insurance body in the state of the workplace.
The rule: applying the Law creates no financial obligations on this body toward:
- the employee or worker,
- those entitled through him,
- the employer.
What does this mean? Whatever the role of the workplace state's body in applying the Law, that role does not make it liable to pay pensions, compensation, entitlements or any other amounts under this Law.
Who then bears the financial obligations? The body whose law the employee is subject to. Article 19 provides that the provisions of the home state's law apply to the employee on matters the Law does not specifically address.
In practical terms, the GCC national or his heirs do not claim from the workplace state's body the pension or entitlements provided for under this Law. Nor may the employer claim any amounts from this body because of the application of the Law.
Article 21 confirms that the Law does not affect the rights and benefits guaranteed by the laws of the state of the workplace to employees or workers, which is a different matter from the obligations arising under this Law.
To apply this to a specific case, it is advisable to consult a lawyer who specializes in social insurance and retirement laws.
Translated from our Arabic explanation with machine assistance. For guidance only; it does not replace advice from a lawyer on your situation.
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Frequently asked questions about Article 20 of the Saudi GCC Insurance Protection Extension Law
Does the insurance body of the workplace state pay a GCC employee's entitlements?
No. Applying the Law creates no financial obligations on it toward the employee, the beneficiaries or the employer.
Does the rule include the employer?
Yes. No financial obligation arises for the workplace state's body toward the employer either because of applying the Law.
More articles on Duties of the Retirement and Insurance Bodies
- Article 3
The article entrusts the application of the Unified Law Extending Insurance Protection to the civil retirement and social insurance bodies in the GCC states.
يعهد إلى أجهزة التقاعد المدني / التأمينات الاجتماعية في دول المجلس تطبيق هذا النظام .
- Article 6
The article obliges the retirement and insurance bodies of the home state to prepare and circulate a guide to their rules and contribution rates, send the other bodies their insurance forms, open a bank account in the state of the workplace, and designate a follow-up unit.
تلتزم أجهزة التقاعد المدني / التأمينات الاجتماعية في دولة موطن الموظف / العامل بما يلي : 1 - إعداد دليل بشأن التعريف بأحكام النظام / القانون المعمول به لديها مت
- Article 7
The article obliges the retirement and insurance bodies of the state of the workplace to take measures to make employers apply the Law, raise their awareness, give them the home state's guide and forms, and designate a follow-up unit.
تلتزم أجهزة التقاعد المدني / التأمينات الاجتماعية في الدولة مقر العمل بما يلي : 1 - اتخاذ الإجراءات الكفيلة بإلزام أصحاب العمل بتطبيق أحكام هذا النظام . 2 - اتخ
- Article 10
The article requires the retirement or insurance bodies of the state of the workplace to keep special records and statistics on the GCC nationals working there, based on data received from employers.
تحتفظ أجهزة التقاعد المدني / التأمينات الاجتماعية في الدولة مقر العمل بسجلات خاصة وإحصائيات عن مواطني دول المجلس العاملين فيها، وذلك في ضوء البيانات التي ترد إل
The texts are reproduced from the official website of the Bureau of Experts at the Council of Ministers for reference; where they differ, the officially published Arabic text prevails. This content is not legal advice.