Occupational Hazards

The Occupational Hazards Branch applies mandatory to Saudis and non-Saudis. The contribution rate is
2% of the wage paid only by the employer
http://www.gosi.gov.sa/portal/web/guest/oh-definition
Definition of the occupational injury
The injury is considered an occupational injury in any of the following cases:
1. Accident sustained by the contributor during work or from which it resulted.
2. Accident sustained by the contributor on his way from his residence to his place of work and vice
versa, or while en route from his place of work to the place where he eats his meals or perform his
prayers and vice versa.
3. Accident sustained by the contributor during his movements in order to perform the tasks entrusted
to him by the employer.
4. Any disease sustained by the contributor found to be caused by work.
5. Any disease sustained by the contributor specified in the table of occupational diseases.

Report an injury
The injured person, or his representative, must notify the employer within seven days after the injurys
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.

Source : http://www.gosi.gov.sa/portal/web/guest/oh-advantages
Benefits of the Occupational Hazards Branch
1. Medical care:
The Occupational Hazards Branch provides the following benefits:
GOSI provides a comprehensive medical care in hospitals and medical centers that GOSI contracted with
in order to treat those who sustained occupational injuries. It is done without time limits so long that
the medical treatment is needed. The medical care includes diagnoses, treatments, medicine, medical
supplies and prosthetics.

2. Cash compensations, and include:

a. Daily allowances
If the occupational injury led to a temporary disability to the injured and can not do his work, he is
entitled to a daily allowance for each day of his disability by 100% of the daily wage of the injured. It is
reduced to 75% if the injured is under treatment at the expense of GOSI. The allowance is paid in the
case of in-patient or sick leave.
The wage and daily allowance may not be combined, nor the wage with the benefit. The allowance is
paid as of the day following the day of injury occurrence until the injured has restored his ability to
work, recovered, proven permanent disability or died.
The injured receives transportation and residence expenses for himself and his companion if the medical
board decides the necessity of a companion being present.
b. Benefit for total permanent disability
If the injury leads to a total permanent disability of the Saudi contributor, he is entitled to a monthly
benefit of 100% of the average wage during the last three months of the month when the injury
occurred.
The contributor receiving a total disability benefit is periodically examined by the competent medical
board for a period of five years after the date of payment of benefit. The benefit is re-considered on the
basis of the degree of disability which is determined.
If the competent medical board decides that there is a need for the injured contributor to have the
Assistant of Others allowance, he also receives it at a rate of 50% of the value of benefit provided that it
does not exceed more than S.R. 3,500. The contributor will be periodically examined for a period of ten
years to assess the continuing need for such an allowance. After that, it becomes permanent.
Example of a permanent total disability:
An injured Saudi contributor whose percentage of disability is 100%. What is he entitled to if the
average of his wage is S.R. 5,000?
He is entitled to a monthly benefit and is calculated as follows: 5,000 100% = S.R. 5,000 per month.
If he needs the assistance of others, he is granted 50% of the benefit: 5,000 50% = S.R. 2,500.
The total benefit: 5,000 + 2,500 = S.R. 7,500.
In case the Saudi contributor dies due to a work injury, or the receiver of a total or partial permanent
disability dies, the family members are paid a monthly benefit.
The minimum for the benefit is S.R. 1,750.

c. Benefit of permanent partial disability

If the injury leads to a partial disability of the contributor by 50% to 99%, the contributor receives a
benefit equaling the percentage of his disability from the total disability. The injured will be entitled to
the allowance of Assistance of Others if the medical board decides his eligibility, subject to the previous
provisions of medical examinations whether to the benefit or the allowance of assistance of others.
Example of permanent partial disability:
An injured Saudi contributor whose percentage of disability is 60%. What is he entitled to if his average
wage is S.R. 5,000.
He is entitled to a monthly benefit and is calculated as follows: 5,000 60% = S.R. 3,000 per month.
If he needs the assistance of others, he is granted 50% of the benefit: 3,000 50% = S.R. 1,500.
Total of benefit: 3,000 +1,500 = S.R. 4,500 per month.
d. Lump sum compensation for permanent disability.
If the percentage of disability is less that 50%, the injured (whether Saudi or non-Saudi) is entitled to a
lump sum compensation, and is calculated on the basis of the percentage of such disability multiplied by
the total disability, limited by the following:
1. If the age of the injured contributor did not exceed forty, he receives a lump sum compensation
equaling 60 times the monthly benefit (value of total disability benefit disability percentage 60
times).
2. If the age of the contributor is over forty, the compensation is reduced by the number of monthly
benefit equaling to the number of years exceeding forty, provided that the compensation does not
become less than 36 times its value.
The lump sum compensation in paragraphs (1 & 2) must not exceed the amount of S.R. 165,000.
Example:
An injured aging 39 year whose percentage of disability is 48% and his average wage during the three
months preceding the month in which the injury occurred is S.R. 2,000. The compensation is calculated
as follows: 2,000 48% 60 = S.R. 57,600.
Assuming that the injured is 54 year old, the compensation will drop 14 time, becoming (60 - 14 = 46).
Thus, the value of compensation is: 2,000 48% 46 = S.R. 44,160.
e. Lump sum compensation paid to a non-Saudi contributor
In the event that the non-Saudi contributor sustains a work injury, he will be compensated with a lump
sum instead of a benefit as follows:

- If the injury resulted in a permanent total disability (100%), the injured is entitled to a lump sum
compensation of 84 months of the benefit value, which he was supposed to receive it up to a maximum
of S.R. 330,000. The calculation of the compensation takes into account the amount of the assistance of
others allowance decided by the competent medical board.
- If injury resulted in a partial disability with a percentage of 50% to 99%, the injured is entitled to a
lump sum compensation equivalent to 60 months from the value of the assumed benefit up to a
maximum of S.R. 165,000.
- If the injury resulted in the death of the contributor, his family members receive a lump sum
compensation equivalent to 84 months. It is calculated on the basis of the benefit, which he was
supposed to receive up to a maximum of S.R. 330,000. It is equally distributed among the family
members.
f. Expenses of preparing and transporting of body
GOSI bears all the expenses for the transport of the body of the contributor who dies as a result of an
employment injury or the deceased recipient of a permanent disability benefit, to his home country.

For more information about social insurance law please visit

http://www.gosi.gov.sa/portal/web/guest/regulation