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Q: What are the conditions for entitlement to old age pension?
A: The insured is entitled to old age pension depending
on his/her contributions periods from the application date of
this law, whether they are regular or irregular in the following
cases:
Termination of service of the insured on reaching sixty years of
age or above as long as his service period is (180) months as
minimum for male worker or on reaching fifty five years of age
or above for the female worker as long as her service period is
(120) months a minimum.
Termination of service of the insured before reaching sixty
years of age as long as his service period is (240) months as
minimum for male worker or before reaching fifty five years of
age for the female worker as long as her service period is (180)
months as minimum provided any of them reaches the age of forty
five at least.
The pension due in
this case would be reduced at a rate valuated according to the
age of the insured (male or female) as per schedule 3 attached
thereto provided the pension in this case should not be less
than RO. 80/- per months.
The said reduced
pension shall be due on the first day of the month in which the
encashment application is submitted.
The referred
reduction shall not be applicable in case of submission of
encashment application by the insured or his/her beneficiaries
for confirmation of disability or occurrence of death.
Q: What are the conditions for
entitlement to pension for disability and death arising from
non-occupational cause?
A: In case of the termination of the service of the
insured due to non-occupational disability or death before
reaching the age of sixty years for the male worker and fifty
five years of age for the female worker or if the service
expires due to death at any age, the insured or their
beneficiaries will be entitled to the pension upon fulfillment
of one of the following conditions:
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If the
contributions period reaches 6 consecutive months at least
immediately before the occurrence of disability or death.
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If the disability or death did not take place after meeting
the minimum limit of the contribution periods referred to
under aforesaid clause (A) and any of the two insured
discontinues contribution for any reason, he or his
beneficiaries, as the case may be, are entitled to pension if
the disability takes place within one year from the
contribution discontinuation date and before reaching sixty
years of age for the male worker or fifty five years of age
for the female worker, or if the death takes place within one
year from the contribution discontinuation date regardless the
age, unless any of them meets the conditions for the
entitlement to the pension stated provided for in the
aforesaid old age pension, and if the said pension is better.
Q: How the pension for old age and
death owing to non-occupational cause is computed?
A: The pension is computed @ 1/40 of the average monthly
basic salary due to the insured on which basis the contribution
is paid for the last five years of the contribution period or
the contribution period if it is less multiplied by the number
of the full contribution years with a minimum limit of RO. 80/-
per month and maximum limit of 80% of the referred average.
The disability or
death pension is also computed on the basis of (40%) of the
contribution wage when the death or disability occurs or the old
age pension, whichever is higher.
Q: From which source the insurance
against the work-related injuries or occupational diseases is
financed?
A: The insurance for the work-related injuries and
occupational diseases is financed from the following sources:
-
Monthly
contributions paid by the employers to the Authority @ (1%) of
the wages of their workers, and only the employer is
responsible for payment of this contributions.
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Yields generated
from investing the contributions referred to under the
aforesaid clause.
Q: What are the due compensations and
pensions for the work-related injury?
A: To answer this question, we have to differentiate
between two cases: -
Firstly: In case of the partial permanent disability
resulting from the work-related injury, which does not reach
(30%) of the total permanent disability, the injured is eligible
for lump sum compensation equivalent to (36) times of the
monthly pension set for the partial permanent disability, which
the insured was supposed to claim as per clause (A) of secondly
below depending on the percentage of disability.
The inured worker is entitled to draw daily allowance for the
work-related injury @ (75%) of the basic salary.
The employer is not allowed to terminate the service of the
worker owing to the partial disability stated under the
aforesaid paragraph.
Secondly:
(A) In case of the partial permanent disability arising from
work-related injury, which is equivalent to or above (30%) but
it does not reach to total disability, the inured is entitled to
pension equivalent to the percentage of that disability of the
total disability pension. The injured is entitled to join his
pension and wage without limitation as long as the injury does
not reach to the total permanent disability level.
(B) However, if the work-related injury causes permanent total
disability or death, the insured or his/her beneficiaries are
entitled to monthly pension equivalent to (75%) of the
contributable wage with a minimum limit of RO. 80/- per month or
the old age pension, whichever is higher.
Q: Upon the death of the insured or
pensioner, to whom the pension is paid and what are the
entitlement conditions?
A: In case of the death of the insured or pensioner, the
following beneficiaries are entitled to shares in the pension
according to the following:
Firstly: Group (A): It includes the sons and daughters
and they are entitled to half of the due pension, which is
distributed equally if they are more than one.
Secondly: Group (B): It includes the widow or widows (or
the widower if the deceased is a female).
They are entitled to quarter of the due pension and it is
distributed equally amongst the widows if they are more than
one.
Thirdly: Group (C): It includes the father, mother,
brothers and sisters and they are entitled to quarter of the due
pension, which is distributed equally if they are more than one.
The above beneficiaries entitled to the pension are required to
meet the following conditions:
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The son whose
disability to gain is established by a report from the
medical Authority concerned, and the disability is
ascertained every two years unless the medical Authority
confirms that the insured might not recover, in which case
it is not necessary to ascertain the case and the
entitlement to pension shall subsist.
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The student at
any educational level that does not exceed the university
level provided he should not be above twenty-six years of
age.
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The daughter:
She should be unmarried and her right in the pension shall
cease once she gets married. However, her right in the pension
is reinstated if she is divorced or becomes widow.
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The widow:
She should not get married and her right in the pension shall
cease once she gets married. However, her right in the pension
is reinstated if she is divorced or becomes widow.
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The husband:
He should be suffering from disability preventing him from
work or gaining based on a report from the medical Authority
concerned and the disability is ascertained every two years
unless the medical Authority confirms that he might not
recover, in which case it is not necessary to ascertain the
case and the entitlement to pension shall subsist.
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The father &
mother: They should be depending for their living on the
pensioner based on a certificate to be issued by the Ministry
of Social Development and their right in the pension shall
cease if the said reason comes to an end.
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The brother:
He should be depending for his living on the pensioner as per
a certificate to be issued by the Ministry of Social
Development provided he should not be above twenty-two years
of age with the following exceptions:
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If his
disability to gain is established by a report from the
medical Authority concerned, and the disability is
ascertained every two years unless the medical Authority
confirms that he might not recover, in which case it is not
necessary to ascertain the case and the entitlement to
pension shall subsist.
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The student at
any educational level, which does not exceed the university
level, provided he should not be above twenty-six years of
age.
Q: What are the other benefits guaranteed
by the law other than the above-mentioned pensions?
A: Apart from the above-mentioned pensions, the law
stipulates the end of service benefit and additional grants as
follows:
Firstly: End of service benefit: If the service of
the insured expires and he/she does not meet the conditions for
entitlement to pensions, he/she will be eligible for end of
service benefit provided his/her contributions period should not
be less than one full year.
The end of service benefit is computed on the last basic salary
drawn by the worker at the end of his/her service @ one- month
salary per annum for the first three years and two-month salary
per annum for the years next to the first three years.
Secondly: Additional Grants: In case of the death
of the insured or the pensioner, the following beneficiaries
shall have shares in the pension as follows:
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The widow or the
eldest son or the parents or any of them, in case of
non-existence of a widow or adult children are paid a grant
equivalent to three-month salary depending on the
contributable wage if he/she is in the service and it is
equivalent to three-month pension if he/she is a pensioner.
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The daughter
drawing pension under the provisions of this law gets - for
her marriage - marriage grant equivalent to 15 times of the
pension amount. Payment of pension is discontinued by the end
of the month during which the marriage takes place and the
marriage grant is paid once.
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Upon the death of
the insured or the pensioner, a funeral expenses grant
equivalent to three-month salary based on the basic salary
subject to the contributions if the deceased is in the service
and it is equivalent to three- month pension if he/she is a
pensioner. The funeral expenses grants should not exceed
RO.1000/- under all circumstances.
Payment is made to
the widow or the eldest son of the deceased, if any, otherwise
it is made to the person proven to have paid the funeral
expenses as per a certificate approved by the Wali or his
authorized person.
Q: What are the entitlements of the person
joining the Government units?
A: The dues of person joining any ministry affiliated to
the civil service or MOD or DRC, the contributions are
transferred to the unit, which he/she is joining.
The person joining the ROP apparatus is entitled to end of
service benefit from the Authority.
Q: What are the additional grants provided for by the social
insurance law for the insured?
1.
Funeral and
Consolation Grant: It is paid to the widow of the insured, the
widow of the pensioner, to his eldest son. If there are no widow
or adult children, the grant will be paid to the person who
confirms that he has paid the funeral and consolation expenses
as per a certificate approved by the Wali or his designate. The
grant is equivalent to three-month wage or three-month pension
if the pensioner is dead provided the grant should not exceed
RO. 1000/- in any case.
2. Death Grant: it
is paid to the widow, the eldest son, the parents or any of them
in case there are no widow or adult sons. The grant is
equivalent to three-month wage or three-month pension if he is a
pensioner.
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Marriage Grant: It
is paid to the daughter of the deceased at the rate 15 times
of its share in the pension and it lapses after 5 years.
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