Article 56 of the Saudi Social Insurance Law
المادة 56 من نظام التأمينات الاجتماعية · الباب الخامس: الأحكام المشتركة
The article sets the permitted cases of combining compensation for a subscriber and family members, the limits on combining a benefit with a pension, and prohibits all other combinations except as the Regulations provide.
Official text (Arabic)
This article has not been amended since the law was issued.
أولاً: يحق للمشترك الجمع بين التعويضات الآتية:
1- الجمع بين العائدة والمعاش بما لا يتجاوز (100 %) من أكبر المقدارين الآتيين:
أ - متوسط الأجر أو الراتب الشهري الخاضع للاشتراك الذي حسبت على أساسه عائدة العجز المهني بعد زيادته بنسبة (7 %) عن كل سنة من السنوات الكاملة الواقعة بين تاريخ ثبوت العجز وتاريخ استحقاقه للمعاش، على ألا يتجاوز ذلك السن النظامية لاستحقاق المعاش.
ب - متوسط الأجر أو الراتب الخاضع للاشتراك الذي حسب على أساسه المعاش.
2- الجمع بين تعويض الدفعة الواحدة أو الدفعات الشهرية وتعويضات الأخطار المهنية.
3- الجمع بين التعويض المقطوع وتعويضات فرع المعاشات.
4- الجمع بين تعويضات الأخطار المهنية وتعويض التأمين ضد التعطل عن العمل.
5- الجمع بين تعويضات الأخطار المهنية وتعويض الأمومة.
ثانياً: يحق لأفراد العائلة الجمع بين تعويضات فرع المعاشات وتعويضات الأخطار المهنية في الحالات الآتية:
1- يجمع الأبناء والبنات بين نصيبهم المستحق لهم عن الأب والمستحق لهم عن الأم.
2- يجمع الأرمل أو الأرملة بين المستحق له عن نفسه ونصيبه المستحق له عن زوجه.
ثالثاَ: فيما عدا الحالات الواردة في البندين (أولاً) و(ثانياً) من هذه المادة، لا يجوز الجمع بين أكثر من تعويض إلا في الحالات والحدود التي تحددها اللائحة.
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 56 explained in plain English
This article answers a common question: may more than one compensation be received at the same time?
First: what a subscriber may combine:
- A benefit and a pension, not exceeding 100% of the greater of two amounts:
- The average wage on which the occupational disability benefit was calculated, increased by 7% for each full year between the date the disability was established and the date of entitlement to the pension, provided that does not go beyond the statutory age of entitlement to a pension.
- The average wage on which the pension was calculated.
- Lump-sum compensation or monthly installments with occupational hazards compensation.
- Lump-sum compensation with the compensation of the pensions branch.
- Occupational hazards compensation with unemployment insurance compensation.
- Occupational hazards compensation with maternity compensation.
Second: what family members may combine from the compensation of the pensions branch and of occupational hazards:
- Sons and daughters: their share from the father and their share from the mother.
- The widower or widow: what is due to the person in their own right and their share from their spouse.
Third: the rule otherwise is prohibition; more than one compensation may not be combined except in the cases and within the limits the Regulations set.
To calculate the maximum for combining in a particular case, it is advisable to consult a lawyer specialized in social insurance matters.
Practical example
Reem's parents both died, and both were subscribers in social insurance. She is entitled to combine her share due from her father with her share due from her mother. Likewise, a wife who is a subscriber and has a pension in her own right is entitled, after her husband's death, to combine her pension with the share due to her from her husband.
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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Active contributorFrequently asked questions about Article 56 of the Saudi Social Insurance Law
Can a retirement pension be combined with an occupational disability benefit?
Yes, not exceeding 100% of the greater of the two amounts set in the article: the benefit's average wage increased by 7% for each full year, or the pension's average wage.
Do children combine the father's and the mother's pension?
Yes. Sons and daughters combine their share due from the father with their share due from the mother.
Can SANED compensation be combined with work injury compensation?
Yes. Occupational hazards compensation may be combined with unemployment insurance compensation.
What about cases not mentioned?
More than one compensation may not be combined in them except in the cases and within the limits the Regulations set.
More articles on Combining Pensions and Compensation
- 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 36
The article explains how the average wage for the occupational disability benefit is calculated, its temporary nature during five years of periodic exams, a 50% increase for those who need another person's help, and combining it with a wage.
1- يحسب متوسط الأجر أو الراتب الشهري المنصوص عليه في الفقرة (1) من المادة (الخامسة والثلاثين) من النظام بأخذ ثلث مجموع الأجور أو الرواتب الخاضعة للاشتراك خلال ا
- Article 50
The article gives the primary medical committees the power to establish disability and determine the type and duration of the injury, with a right to object before the appeal committees within 30 days of notification.
1- يكون إثبات العجز المهني والعجز غير المهني وتحديد نوع الإصابة أو المرض فيما إذا كان مهنياً أو غير مهني، وتحديد المدة المقدرة للعجز؛ من قبل اللجان الطبية الابت
- Article 51
The article allows the Institution to stop daily allowances, benefits and the non-occupational disability pension if the subscriber, without a legitimate excuse, refuses treatment, examinations or medical instructions.
يجوز للمؤسسة وقف البدلات اليومية والعائدات ومعاش العجز غير المهني إذا ثبت رفض المشترك -دون عذر مشروع ووفق ما تحدده اللائحة- الخضوع للعـلاج أو الفحوص الطبية اللا
- Article 52
The article treats a missing or absent person as deceased for the compensation of their family, and governs what happens if the person is found alive, depending on whether the person was a pension or benefit holder.
1- يعامل المفقود أو الغائب فيما يتعلق بالتعويضات المستحقة لأفراد عائلته معاملة من ثبتت وفاته. 2- إذا تبينت حياة المفقود أو الغائب فإنه يوقف صرف المعاش أو العائد
- Article 53
The article sets a general rule that compensation starts from the first of the month following the month conditions are met, and stops at the end of the month in which the event ending the right occurs.
1- مع مراعاة الفقرة (6) من المادة (السادسة والثلاثين) والفقرة (2) من المادة (الثانية والأربعين) من النظام، يبدأ الحق في صرف التعويضات اعتباراً من اليوم الأول في
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.