Article 25 of the Saudi Social Insurance Law
المادة 25 من نظام التأمينات الاجتماعية · الباب الثاني: فرع المعاشات
The article provides compensation calculated on the contributions paid, after revaluation, to someone who reached the statutory age or became disabled and is not entitled to a pension, and to the family of a deceased subscriber in specified cases.
Official text (Arabic)
This article has not been amended since the law was issued.
1- المشترك الذي بلغ أو تجاوز السن النظامية للاستحقاق، والمشترك المصاب بالعجز المنصوص عليه في المادة (الحادية والعشرين) من النظام، اللذان توقفا عن العمل الخاضع لأحكام النظام ولا تتوافر لديهما الشروط اللازمة للاستفادة من المعاش المستحق وفق أحكام أي من المواد (السادسة عشرة) و(التاسعة عشرة) و(العشرين) من النظام، يعاملان وفق الآتي:
أ - إذا كانت مدة الاشتراك (60) شهراً فأكثر، يحق للمشترك الحصول على تعويض محسوب على أساس مجموع الاشتراكات المؤداة من صاحب العمل والمشترك عن مدة اشتراكه، بعد إعادة تثمينها -بما لا يقل عن مجموع الاشتراكات المؤداة من صاحب العمل والمشترك-، وله الخيار في الحصول على التعويض على دفعات شهرية أو دفعة واحدة وفق الأحكام التي تحددها اللائحة.
ب - إذا كانت مدة الاشتراك أقل من (60) شهراً، يحصل المشترك على تعويض الدفعة الواحدة المحتسب وفق حكم الفقرة الفرعية (أ) من هذه الفقرة.
2- في حال وفاة المشترك الذي لا تتوافر فيه شروط استحقاق المعاش المنصوص عليها في المادة (الثالثة والعشرين) من النظام، يحق لأفراد عائلته الحصول على كامل تعويض الدفعة الواحدة المحتسب وفق حكم الفقرة الفرعية (أ) من الفقرة (1) من هذه المادة.
3- في حال وفاة المشترك الذي يحصل على دفعات التعويض الشهرية قبل استيفاء كامل الدفعات، يحق لأفراد عائلته الحصول على المبالغ المتبقية من استحقاقه.
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 25 explained in plain English
This article addresses someone who does not meet the conditions for a pension, giving them compensation so that their contributions are not lost.
First: whom it covers: a subscriber who has reached or passed the statutory age, and a subscriber with the disability provided for in Article 21, if they have stopped working in employment subject to the Law and do not meet the conditions for a pension under any of Articles 16, 19 or 20.
Second: the type of compensation according to the contribution period:
- 60 months or more: compensation calculated on the basis of the total contributions paid by the employer and the subscriber, after revaluation, and not less than the total of those contributions. The subscriber has the choice of receiving it in monthly installments or as a lump sum under the Regulations.
- Less than 60 months: the subscriber receives the lump-sum compensation, calculated in the same way.
Third: cases of death:
- If the subscriber dies without meeting the conditions for a death pension in Article 23, the subscriber's family members are entitled to the full lump-sum compensation calculated as above.
- If someone receiving monthly installments dies before receiving all of them, the family members are entitled to the remaining amounts.
Family members means those specified in Article 24: the widower or widow, sons and daughters subject to the age conditions, and the parents if they were dependent on the deceased. Note that the compensation is in no case less than the total of what the employer and the subscriber paid. In case of a dispute over the calculation, a lawyer specialized in social insurance matters can be consulted.
Practical example
Mona reached 65 and stopped working. Her contribution period is only 50 months and she is not entitled to a pension. Because her period is less than 60 months, she receives the lump-sum compensation calculated on the total contributions paid for her, after revaluation, and not less than their total.
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 25 of the Saudi Social Insurance Law
What does someone who has reached 65 but is not entitled to a pension receive?
Compensation calculated on the total contributions paid by the employer and the subscriber, after revaluation, and not less than their total, once the person has stopped working in employment subject to the Law.
Can the compensation be paid in monthly installments?
Yes, if the contribution period is 60 months or more, the subscriber may choose between monthly installments and a lump sum. If it is less than 60 months, a lump sum is paid.
Is the deceased's family entitled to compensation if the deceased was not entitled to a pension?
Yes. If the deceased did not meet the conditions of Article 23, the family members are entitled to the full lump-sum compensation, and if the deceased dies while receiving monthly installments, they are entitled to the remaining amounts.
Articles this article refers to
- Article 16
The article sets the statutory age of entitlement at 65, the conditions for obtaining a pension on reaching it, and the possibility of early retirement of no more than 120 months under conditions.
1- يقصد بالسن النظامية للاستحقاق لغرض تطبيق أحكام النظام: سن (الخامسة والستين). 2- يحق للمشترك الحصول على المعاش إذا بلغ السن النظامية للاستحقاق، وكانت مدة اشتر
- Article 19
The article sets the conditions for a non-occupational disability pension, how it is calculated with a minimum, and a 50% increase for someone who needs another person's help in daily life.
1- يحق للمشترك الذي يصاب بعجز غـير مهني الحصول على معاش العجز غير المهني متى بلغت مدة اشتراكه (12) شهراً متصلة أو (18) شهراً متقطعة تالية لتاريخ تسجيله الفعلي ف
- Article 20
The article gives a subscriber the right to a pension if a non-occupational disability occurs while not in service, once the contribution period has reached the qualifying period for a pension.
إذا حدث العجز غير المهني والمشترك ليس على رأس العمل الخاضع لأحكام النظام وبلغت مدة اشتراكه المدة المؤهلة لاستحقاق المعاش المنصوص عليها في الفقرة (2) من المادة (
- Article 21
The article sets when a subscriber is considered to have a non-occupational disability, makes the disability pension temporary subject to periodic examinations, and makes it final on reaching the statutory age of entitlement.
1- يعد المشترك مصاباً بعجز غير مهني وفق أحكام المادتين (التاسعة عشرة) و(العشرين) من النظام إذا توافرت لديه الشروط الآتية: أ- ذا استحال عليه -بسبب حالته الصحية ا
- Article 23
The article sets the cases in which a deceased subscriber's family members are entitled to a death pension: death while in service, death after leaving work, or death of a pensioner.
1- إذا توفي المشترك وهو على رأس العمل الخاضع لأحكام النظام، يحق لأفراد عائلته الحصول على معاش الوفاة إذا كان المشترك المتوفى قد توافرت لديه مدة اشتراك لا تقل عن
More articles on Disability and Death Pension
- Article 19
The article sets the conditions for a non-occupational disability pension, how it is calculated with a minimum, and a 50% increase for someone who needs another person's help in daily life.
1- يحق للمشترك الذي يصاب بعجز غـير مهني الحصول على معاش العجز غير المهني متى بلغت مدة اشتراكه (12) شهراً متصلة أو (18) شهراً متقطعة تالية لتاريخ تسجيله الفعلي ف
- Article 20
The article gives a subscriber the right to a pension if a non-occupational disability occurs while not in service, once the contribution period has reached the qualifying period for a pension.
إذا حدث العجز غير المهني والمشترك ليس على رأس العمل الخاضع لأحكام النظام وبلغت مدة اشتراكه المدة المؤهلة لاستحقاق المعاش المنصوص عليها في الفقرة (2) من المادة (
- Article 21
The article sets when a subscriber is considered to have a non-occupational disability, makes the disability pension temporary subject to periodic examinations, and makes it final on reaching the statutory age of entitlement.
1- يعد المشترك مصاباً بعجز غير مهني وفق أحكام المادتين (التاسعة عشرة) و(العشرين) من النظام إذا توافرت لديه الشروط الآتية: أ- ذا استحال عليه -بسبب حالته الصحية ا
- Article 22
The article provides that a non-occupational disability pension is suspended if its holder returns to work subject to the Law before the statutory age, during the period of work preceding the date of entitlement to the Article 16 pension.
في حال عاد صاحب المعاش المستحق وفق أحكام المادتين (التاسعة عشرة) و(العشرين) من النظام لعمل خاضع لأحكام النظام قبل بلوغه السن النظامية للاستحقاق، يتم إيقاف معاشه
- Article 23
The article sets the cases in which a deceased subscriber's family members are entitled to a death pension: death while in service, death after leaving work, or death of a pensioner.
1- إذا توفي المشترك وهو على رأس العمل الخاضع لأحكام النظام، يحق لأفراد عائلته الحصول على معاش الوفاة إذا كان المشترك المتوفى قد توافرت لديه مدة اشتراك لا تقل عن
- Article 24
The article defines the family members of a deceased subscriber entitled to the pension and the conditions for each, the percentage of distribution, and redistribution when someone's entitlement ends.
1- في تطبيق أحكام النظام، يقصد بأفراد العائلة كل من: أ - أرمل أو أرملة المشترك المتوفى (حسب الحال). ويوقف الاستحقاق في حال الزواج، ويتم استئناف الاستحقاق في حال
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.