What is Social Security in the context of GCC countries?
Social Security benefits are provided to employees in GCC countries (UAE, Oman, Kuwait, Bahrain, Saudi, and Qatar) by their respective governments. Each GCC country has its own policies and regulations regarding social security and employee benefits.
If your organization is based in the Saudi but has employees from other GCC states, it is essential to consider the social security regulations of the employee’s respective country to accurately calculate their pension.
Here’s the list of social securities we support for the GCC member states as of now:
| Authority | Employees’ Contribution | Employer’s Contribution | Can be renewed at the start of the fiscal year? | Applicable for Citizens of |
|---|---|---|---|---|
| General Pension And Social Security Authority (GPSSA) | 5.00% | 12.50% | Yes | UAE |
| Abu Dhabi Pension Fund (ADPF) | 5.00% | 15.00% | Yes | Abu Dhabi |
| General Organization for Social Insurance (GOSI) | * 9.00% (for employees who joined before July 3, 2024) * 9.50% (for employees who joined on/after July 3, 2024) | * 9.00% (for employees who joined before July 3, 2024) * 9.50% (for employees who joined on/after July 3, 2024) | Yes | Saudi Arabia |
| Social Insurance Organization (SIO) | 7.00% | 12.00% | Yes | Bahrain |
| Social Protection Fund (SPF) | 7.00% | 10.50% | Yes | Oman |
| Public Institution for Social Security (PIFSS) | 7.50% | 11.00% | Yes | Kuwait |
| General Retirement and Social Insurance Authority (GRSIA) | 7.00% | 14.00% | Yes | Qatar |
NOTE GOSI has increased the contribution rate for employees who joined on or after July 3, 2024 to 9.50%. This revised rate is effective from July 3, 2025, and will increase by 0.5% every year until it reaches 11% on July 3, 2028.