The General Organization for Social Insurance (GOSI) is responsible for providing social protection and insurance coverage in the Kingdom of Saudi Arabia. It covers civil and military government employees, those working in the private sector, and wage-based workers in the government sector. It is an entity with its own legal personality and enjoys financial and administrative independence. Administratively, it is affiliated with the Minister of Finance, who heads its Board of Directors. This board is the supreme authority in managing its affairs. Its headquarters is located in the capital, Riyadh.

History of GOSI

GOSI was established on November 15, 1969, and its law was implemented in February 1973. On March 3, 2003, the Council of Ministers issued a decision approving the transfer of the retirement pensions department to the Public Pension Agency (PPA). Then, on June 15, 2021, the Council of Ministers issued a decision to merge the PPA into GOSI. Under this decision, GOSI assumed the responsibilities, authorities, rights, obligations, and assets in all kinds of the PPA, in order to unify efforts to achieve an appropriate environment and necessary means for the optimal implementation of insurance and retirement laws. This consolidation aimed to improve the management of the organization and develop its resources in line with its nature and current and future obligations, with the benefits reflecting on its clients.

Tasks of GOSI

GOSI is responsible for implementing the Social Insurance Law, its branches, executive regulations, and both the civil and military pension laws in the Kingdom in accordance with the provisions of laws and regulations issued in this regard.

The retirement and social insurance laws are responsible for managing retirement affairs for civilian and military government employees, as well as providing care for workers in the private sector and those working under wage contracts in the public sector. These laws aim to ensure a decent life for them and their families after leaving work due to retirement, disability, or death. Additionally, the law provides healthcare and necessary compensation for work-related injuries or occupational disabilities through the Occupational Hazards branch, which is mandatory for all workers in the labor market. The law also provides care through the payment of Unemployment Compensation (Saned), along with training and job search support, for Saudi workers who left their jobs due to circumstances beyond their control.

Insurance laws within GOSI

The insurance laws within the GOSI include the following:

- The Social Insurance Law regulates insurance rights, obligations, and compensations, including the Pension Branch and Occupational Hazards Branch.

- The Civil Retirement Law is designed to provide financial support to retired Saudi civilian employees who were appointed to positions within the general state budget or the budgets of public entities. These benefits continue to be paid even after the retiree's passing.

- The Military Retirement Law regulates the retirement rights and obligations of all Saudi military personnel. It ensures a financial resource for them upon the completion of their service due to retirement, disability, or other circumstances. Benefits continue to be paid to eligible beneficiaries in the event of the retiree's passing.

- The Benefit Exchange Law between the civil and military retirement laws and the Social Insurance Law defines the conditions required when a subscriber subject to either the civil or military retirement laws wishes to merge their services with the Social Insurance Law. This allows for the continued insurance coverage of the subscriber according to the provisions of the law.

- The Unemployment Insurance Law (Saned) guarantees insurance protection for Saudi subscribers when they are unemployed, provided that the conditions stipulated in the law or regulations are met.

- The Unified Law for Extending Insurance Protection Cover to Gulf Cooperation Council nationals working in countries other than their own in any member state of the GCC.

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