Pensions

Old Age Pension

It is a pension paid on a monthly basis to the insured employee who is covered under the Social Insurance Law and at the same time has reached the legal age and completed the contribution period that qualifies for this type of pension.

Entitlement requirements:
  • The male insured has reached the age of sixty and his insurance service period is (15) actual years.
  • The female insured has reached the age of fifty-five years and her insurance service period is (10) actual years.
  • The insured does not receive another pension from any other government unit.
Calculation Method

3%x av. gross salary of the last five years x number of full-year contributions under the insurance scheme.

Required Documents
  • True copy of the document indicating the bank account number.

Early Old Age Pension

It is an early old-age pension paid monthly to the insured employee who is covered under the Social Insurance Law and has reached the age of 45 and completed the contribution period that qualifies for this type of pension. This pension is deducted by percentage based on the age of the insured employee at the time of submitting the payment application.

Entitlement requirements:
  • The insured has reached the age of 45 at the minimum.
  • The service period is not less than (20) years for males and (15) years for females.
  • The insured does not receive another pension from any other government unit.
Calculation Method
  • The (early) old age pension is calculated using the following formula:

3%x av. gross salary of the last five years x number of full-year contributions under the insurance scheme.

The pension is deducted by percentage based on the age of the insured according to the following table:

 

Males Femals
Age at the time of application for pension % of pension deduction Age at the time of application for pension % of pension deduction
60 and above null
59-60 To less than 6%
58-5 To less than 7%
57-58 To less than 8%
56-57 To less than 9%
55-56 To less than 10% 55 and above null
54-55 To less than 12% 54-55 To less than 7%
53-54 To less than 14% 53-54 To less than 9%
52-53 To less than 16% 52-53 To less than 11%
51-52 To less than 18% 51-52 To less than 13%
50-51 To less than 20% 50-51 To less than 15%
49-50 To less than 22% 49-50 To less than 17%
48-59 To less than 24% 48-59 To less than 19%
47-48 To less than 26% 47-48 To less than 21%
46-47 To less than 28% 46-47 To less than 23%
45-46 To less than 30% 45-46 To less than 25%

 

Required Documents
  • True copy of the document indicating the bank account number.

Pension for Non-Occupational Death

The entitlement to the death pension is a result of PASI’s interest in providing decent and stable life for the families of any insured employee after his/her death. Consequently, in case of the death of the insured employee, the family members shall inform PASI of the death so that it can pay the pension at the earliest possible.

Entitlement requirements:
  • The deceased should have completed at least six consecutive months of contributions service just before his/her death or (12) non-consecutive months out of which (3) months at least should be consecutive just before his/her death.
  • The deceased insured does not receive another pension from any other government unit.
  • The death should have occurred during the employment of the deceased or within one year as of the date of end of service.
  • There are beneficiaries entitled to this benefit in accordance with the provisions of the law.
Calculation Method

3% x average gross salary of the last five years x numbers of full-year contributions, or
50% of the last gross salary, whichever is higher.

Required Documents
  • True copy of the death certificate.
  • True copy of legal notification of the entitled heirs.
  • True copy of the legal power of attorney of the beneficiaries.
  • True copy of the IDs for the beneficiaries and the legal representative(s).
  • Bank statement under the name of the beneficiary, representative or the heirs.

Pension for Non-Occupational Disability

The social insurance law made this type of pension available for any insured employee if his health prevents him from performing his job if he wants to benefit from medical pension.

Entitlement requirements:
  • The age of the insured employee is less than 60 for males or 55 for females.
  • The insured should have completed at least six consecutive months of contributions service or (12) non-consecutive months out of which (3) months at least should be consecutive.
  • The insured does not receive another pension from any other government unit.
  • The non-occupational disability is proven by a certificate issued by the competent medical committee.
Calculation Method

يحتسب معاش العجز بسبب غير مهني وفقاً لإحدى الطريقتين التاليتين أيهما أفضل:

3% x average gross salary of the last five years x numbers of full-year contributions, or
50% of the last gross salary, whichever is higher.

Required Documents
  • True copy of the document indicating the bank account number.

Benefits

End of Service Benefits for reaching pension age for those who do not qualify for old age pension in terms of period of service:

  • This benefit is to the insured employee who has reached the normal retirement age (60 years for male and 55 years for female) but does not satisfy the service period required for pension.
Entitlement requirements:
  • The insured employee has reached the normal retirement age (60 year for males and 55 years for females.
  • Contribution duration in insurance the service shall not be less than one full year.
Calculation Method

It is calculated based on the last gross salary received by the employee at the end of his service as one month salary for each year of the first three years and two month salary from the fourth year and beyond.

Required Documents
  • True copy of the bank account number document
  • Retirement card from another institution if the pension is available.

End of service benefit for those not entitled to non-occupational disability pension

This benefit shall be paid to the insured whose disability is established proven by a certificate from the competent medical committee, but at the same time he is not entitled for non-occupational disability pension for reasons set forth in the provisions of the Social Insurance Law.

Entitlement requirements:
  • Contribution duration in insurance the service shall not be less than one full year.
  • He does not meet the entitlement requirements for disability pension due to the fact that the non-occupational disability has been established after one year from the date of the end of service, due to receiving a pension from another government unit; or due to the end of the service due to non-occupational disability after reaching the age of sixty for men and fifty-five for women.
Calculation Method
  • It is calculated based on the last gross salary received by the employee at the end of the service as one-month salary per year for the first three years and two-month salary from the fourth year and beyond.
Required Documents
  • Recent medical report issued by a Government hospital in the Sultanate indicating that the insured is medically not fit for work.
  • True copy of the bank account number document
  • Retirement card from another institution if the pension is available.

End of service benefit prior to the enforcement of the Social Insurance Law for individuals registered with authorities whose systems allow the exchange of contributions or benefits with the Public Authority for Social Insurance

  • This benefit shall be paid to individuals who work in a government unit with a pension fund that allows the exchange of contributions only. The insured person shall be paid an end of service benefit transferred to PASI by the employer for the period of service of the insured that precedes the application of the Social Insurance Scheme as of 07/01 / 1992.
    Entitlement requirements:
    • To be covered by the social insurance as of 01/07/1992.
    • No less than one full year of service prior to being covered by Social Insurance Scheme on 01/07/1992.
    • The availability of an end of service benefit transferred by the employer.
    • Working in one of the government units with a pension fund that allows the exchange of contributions with the Public Authority for Social Insurance.
    Calculation Method

    This benefit shall be paid in the same value of which it has been transferred for the first time to the Social Insurance by the employer. It should be calculated in accordance with the provisions of the Oman Labor Law on the basis of the gross salary received by the employee at the end of June 1992 at the rate of 50% of the monthly salary per year for the first three years and one month salary per year starting from the fourth year.

      Required Documents
    • Approved employment letter or certificate issued by the employer or the pension fund, showing the date of employment.
    • True copy of the bank account number document

End of service benefit for Individuals working for government units with pension schemes that do not allow the exchange of contributions or benefits with the Public Authority for Social Insurance

Entitlement requirements:
  • Working for one of the government units whose pension schemes do not allow the exchange of contributions or benefits with the Public Authority for Social Insurance.
  • Contribution duration in insurance the service shall not be less than one full year.
Calculation Method
  • It is calculated on the basis of the last gross salary received by the employee at the end of his service by one month's salary for each year of the first three years and two month salary from the fourth year and beyond.
Required Documents
  • Recent approved employment letter/certificate issued by the unit which he/she is enrolled in, showing the date of joining.
  • True copy of the bank account number document

Benefit for full-time engagement with family affairs

The social insurance scheme allows payment of end of service benefit to the female insured person who no longer wishes to continue working in order to take care of her family affairs. She is entitled to this benefit only once during her contribution period.

Entitlement requirements:
  • Marriage , divorce or widowhood
  • Contribution duration in insurance the service shall not be less than one full year.
  • Not receiving this benefit from PASI in the past.
Calculation Method
  • It is calculated on the basis of the last gross salary received by the employee at the end of his service by one month's salary for each year of the first three years and two month salary from the fourth year and beyond.
Required Documents
  • approved Marriage , divorce or widowhood Document
  • True copy of the bank account number document

End of service benefits due to loss of Omani nationality

The social insurance system allows paying end of service benefit to those who no longer contribute in the insurance due to loss of their Omani citizenship and obtaining another

Entitlement requirements:
  • Contribution duration in insurance the service shall not be less than one full year.
  • Losing the Omani citizenship and obtaining another.
Calculation Method
  • It is calculated on the basis of the last gross salary received by the employee at the end of his service by one month's salary for each year of the first three years and two month salary from the fourth year and beyond.
Required Documents
  • True copy of the passport of the state of which the employee has obtained the new nationality.
  • Letter or certificate from Royal Oman Police indicating the loss of Omani nationality as well as the date of loss.
  • True copy of the original bank account number.

End of Service benefit for Insured persons who receive pension

The social insurance system allows paying end of service benefit to those who no longer contribute in the insurance due to loss of their Omani citizenship and obtaining another.

Entitlement requirements:
  • The duration of contribution (Years of Service) is not less than one full year
  • The insured is receiving pension from any other pension funds
  • Not receiving this benefit from PASI in the past
Calculation Method
  • It is calculated based on the last gross salary received by the insured person at the end of his service as a month's salary for each year of the first three years and two months' salary from the fourth year and beyond
Required Documents
  • True copy of the bank account number document
  • Retirement card or any supporting document

Grants

End of Service Grants

The following categories of the insured persons, who are going to be entitled to receive pensions or some of the end of service benefits, shall be paid end of service grants:

  • Those who are entitled for old-age pension upon reaching the age of sixty for men and fifty-five for women.
  • Those who are entitled to receive a non-occupational disability pension.
  • Those who are entitled for full total occupational disability pension.
  • Those who are entitled to receive an occupational/non-occupational death pension.
  • Those who are entitled to receive an end of service benefit which does not meet the requirements for death pension.
  • Those who are entitled to receive an end of service benefit which does not meet the requirements for non- occupational disability pension.
  • Those who are entitled to receive an end of service benefit which does not meet the requirements of old-age pension by reaching the age of sixty for men and fifty-five for women.

Calculation Method

It is calculated on the basis of the last gross contributory salary at one month's salary for each year of contribution and a maximum of ten years.

Death Grant

  • This grant is paid to the insured person’s widow or his oldest child, or the parents or one of them in the absence of the widow or adult sons. In case of non-existence of any individuals mentioned under this category, the right to this grant shall be relinquished.
  • Entitlement requirements:
    • The occurrence of death while being on the job.
    • Less than one year from the date of entitlement without submitting the payment application.
    • The deceased insured is not receiving any pension from any other government unit.

Calculation Method

  • It is calculated on the basis of the three gross salaries as of the last basic salary received by the insured or three salaries if the deceased was receiving pension from PASI.

Required Documents

  • True copy of the death certificate.
  • True copy of legal notification of the entitled heirs.
  • True copy of the legal power of attorney of the beneficiaries.
  • True copy of IDs of the beneficiaries and the legal agent.

Funeral and condolence expenses grant

This grant is paid to the widow of the deceased or to the eldest child. If there is no widow or adult sons, this grant shall be paid to the person who is found to have paid the funeral expenses by virtue of an approved letter from the Wali or an official of senior rank than the Wali

Entitlement requirements:

  • The occurrence of death while being on the job.
  • Less than one year from the date of entitlement without submitting the payment application.
  • The deceased insured is not receiving any pension from any other government unit.

Calculation Method

  • It is calculated on the basis of the three gross salaries as of the last gross salary received by the insured or three salaries if the deceased was on pension from PASI provided that this grant shall not exceed in all cases one thousand Omani rials.

Required Documents

  • True copy of the death certificate.
  • True copy of legal notification of the entitled heirs.
  • True copy of the legal power of attorney of the beneficiaries.
  • True copy of the IDs for the beneficiaries and the legal agent.

Marriage Grant

This grant is paid to the daughter who receives pension for her marriage, which is equal to 15 times of the value of the pension amount paid to her

Entitlement requirements:

    • The period of the daughter’s marriage has not competed 5 years.

Required Documents

    • True copy of the marriage contract
    • True copy of the bank account number document

Work-related Injuries

Work-related Injuries

In case the insured person was injured, the employer or whoever represents the establishment must notify PASI within 24 hours from knowing about the accidents by accessing e-service section in our website (www.pasi.gov.om ) and select inspection system (report work injury) and fill the required data, attach supporting document and send the application. After that, the insured must hand over the following forms:

  • Initial medical report (Social Insurance Form 18) to be filled out by the treatment unit.
  • Follow up card of the treatment unit (Social Insurance Form 19) to monitor the sick leave(s) obtained by the insured because of the injury.
  • End of treatment notification and his return to the work (Social Insurance Form 20) and the insured may submit a request to PASI to reconsider the decision of the treatment unit within one week from the date of the end of treatment, or returning to work and shall attach a medical certificate supporting his view

After carrying out the necessary inspection on the circumstances of the injury and if it is proven that the injury is linked to work, the insured may receive the following benefits as per the complications of the injury:of the injury:

Type of Benefit Required documents for payment Method of Calculation
Non-attendance to work Compensation Calculating of the non-attendance days as recorded in the follow up card and approved by Doctor and  treatment unit. Number of days x Gross Salary/30 x 100%
Lump-Sum Compensation for Injury If the employee happen to have a disability, he/she should be seen by the competent medical committee in order to assess the disability; its type and degree.
The compensation of the injury becomes payable if the  disability percentage is less than (30%).		 gross salary x 75% x Disability percentage x 36
Permanent Partial Occupational Disability Pension If the  disability confirmed by the competent medical committee is equal or more than 30% and does not reach total disability (100%). Gross salary x 75% x Disability percentage
Permanent Total Occupational Disability Pension The injured suffers a  disability of 100%. 75% of the pensionable salary at a minimum of  OMR 202.500 or old age pension, whichever is higher.
Death pension due to occupational reason Death of the insured due to the accident. 75% of the pensionable salary at a minimum of  OMR 202.500 or old age pension, whichever is higher.

 

Notes:

  • The disease is considered occupational if it is listed among the diseases in Table (1) annexed to the Law. The disability percentage in the case of organ loss shall be determined by the above mentioned Medical Committee as per the percentages shown in Table (2) annexed to the Law. The insured has the right to request PASI to reconsider the decision of the medical committee within one month from the date of notification of the committee’s decision and shall submit an application with a supporting medical certificate.
  • In case of death by injury, the beneficiaries of the insured person who are specified in Chapter 6 of the Law shall be entitled to receive a pension for death caused by an occupational reason.
  • The documents required for payment of the due amounts arising from death caused by a work-related injury are the same documents required for natural death, except for the acknowledgment of not receiving a pension salary

The Occupational Diseases Table

The Occupational Diseases Table

S.No Type of the disease Operations or works causing the disease
1 Lead poisoning and its complications Any work involving the use or handling of lead or its compounds or materials containing it, including: Handling of raw materials containing lead. Casting old lead and old zinc (scrap) into alloys. Work in the manufacturing of tools from alloys of old lead and old zinc (scrap), in the manufacturing of lead compounds. Lead smelting. Preparation and use of the lead glazes used for brilliance and hardness of ceramic. Preparation or use of paints or colors or pigments containing lead … etc.. And any work involving exposure to dust or fumes of lead or its compounds or materials containing it
2 Mercury poisoning and its complications Any work involving the use or handling of mercury or its compounds or materials containing it, and any work involving exposure to dust or fumes of mercury or its compounds or materials containing it,this includes : Work in the manufacturing of mercury compounds and laboratories devices and mercury meters and the preparation of the raw material in the manufacture of hats, gilding processes, gold-mining, and mercury crackers . . .etc..
3 Arsenic poisoning and its complications Any work involving the use or handling of arsenic or its compounds or materials containing it as well as any work involving exposure to dust or fumes of arsenic or its compounds or materials containing it. This includes: Processes that generate arsenic or its compounds, as well as work in the production or manufacture of arsenic or its compounds.
4 Antimony poisoning and its complications Any work involving the use or handling of antimony or its compounds or materials containing it, and any work involving exposure to dust or fumes of antimony or its compounds or materials containing it.
5 Phosphorus poisoning and its complications Any work involving the use or handling of phosphorus or its compounds or materials containing it, and any work involving exposure to dust or fumes of phosphorus or its compounds or materials containing it
6 poisoning with Benzol or similar substances or its Amide or nitrogenous compounds or their derivatives and complications of this poisoning Every work involving the use or handling of these materials, as well as all work involving exposure to vapors or dust.
7 Manganese poisoning and its complications Every work involving the use or handling of manganese or its compounds or materials containing it, as well as all work involving exposure to fumes or dust of manganese or its compounds or materials containing it. This include Work in the extraction or preparation of manganese or its compounds and its grinding and packing .. etc
8 Sulphur poisoning and its complications Every work involving the use or handling of Sulphur or its compounds or materials containing it as well as all work involving exposure to fumes or dust of Sulphur or its compounds or materials containing it. This includes: Exposure to gaseous and non- gaseous Sulphur compounds…etc
9 Affected by chromium and resulting ulcers and complications Every work involving the preparation, generation, use or handling of chromium or chromic acid, or chromate or bi-chromate sodium, potassium or zinc or any material containing it.
10 Affected by nickel or resulting ulcers and complications Every work involving the preparation, handling or generating nickel or its compounds or any substance containing nickel or its compounds. This includes: Exposure to dust of nickel carbonyl
11 Carbon monoxide poisoning and resulting complications Every work involving exposure to carbon monoxide include :its preparation , use or generation as happens in garages, brick kilns, lime …etc
12 Cyanic acid and its compounds poisoning, and the resulting complications Every work involving the use or handling of a cyanic acid or its compounds, as well as all work involving exposure to vapors or spray of the acid or its compounds or its dust or materials containing it
13 Poisoning with chlorine, fluorine, bromine and their compounds Every work involving the preparation or the use or handling of chlorine, fluorine, or bromine or their compounds, as well as any work involving exposure to such materials or vapors or dust
14 Poisoning by petroleum or its Gases or its derivatives and its complications Every work involving the handling or use of petroleum or its gases or derivatives, as well as any work involving exposure to these materials in solid, liquid or gaseous state
15 Poisoning by Chloroform and carbon tetrachloride Any work involving the use or handling of chloroform or carbon tetrachloride, and any work involving exposure to vapors or fumes containing the same
16 Poisoning by tetrachloroethane and trichloro ethylene and other halogene derivatives of the aliphatic hydrocarbon compounds Any work involving the use or handling of these materials and exposure to vapors or fumes containing it
17 Diseases and pathological symptoms caused by the radium, radioactive materials or X-rays Any work involving exposure to radium, and any other material of radioactivity or X-rays
18 primary skin cancer and chronic inflammations and ulcers of skin and eyes Any work involving the use or handling or exposure to tar or asphalt or bitumen or mineral oil (including paraffin) or fluorine, or any compounds or products or residues of these materials, as well as exposure to any other irritant solid or liquid or gaseous materials
19 Heat effect on eyes and resulting complications Any work involving repeated or continuous exposure to glare or radiation from molten glass, hot or molten metals or exposure to strong light or intense heat, resulting in damage to the eye or visual impairment
20 Pulmonary dust diseases (Pneumoconiosis )arising from the dust of: 1 -Silica (Silicosis) 2 -Asbestos (Asbestosis) 3 –Cotton (Byssinosis) Any work involving exposure to recent nascent silica dust, or substances containing silica material by more than 5% such as working in mines and quarries, or carving stone or its crushing , or in the manufacture of sharpening stone or metal polishing with sand or any other acts that require the same exposure. And any work involving exposure to asbestos dust and cotton dust so give rise to these diseases
21 Anthracis (Anthrax) Every work involving contact with animals infected with the disease or handling dead infected animals or parts of them, their products or raw offal, including leather, hooves, horns and hair as well as work in loading and unloading of goods containing raw animal products and their offal
22 Glanders Every work involving contact with animals infected with the disease, and handling their dead body or parts of them
23 Tuberculosis Work in the hospitals designated for the treatment of this disease
24 Poisoning by Beryllium Any work involving the use or handling of this element or its compounds or materials containing it
25 Poisoning by Selenium Any work involving exposure to its dust or Fumes or materials containing it
26 Symptoms and diseases resulting from exposure to changes in atmospheric pressure Every work involving sudden exposure to or work under high pressure or sudden change in atmospheric pressure or work under low pressure for a long time
27 Symptoms and Pathological diseases that result from hormones or their derivatives Every work involving exposure to the influence of hormones or hormone derivatives
28 Infectious fever diseases Work in the designated hospitals for the treatment of fever disease, or bacteriological laboratories or in any work involving contact with fever patients
29 Occupational deafness Every work involving exposure to high noise and includes, for example, work in guidance or maintenance of the aircrafts and operations of roads, mining, work next to the machines that create high noise or exposure to chemicals or drugs that affect hearing
30 Acute and chronic Skin inflammation and, eczema, and primary skin cancer, and eye inflammation and ulcers Any work involving exposure to any irritant, flammable or corrosive solid , liquid or gaseous, includes for example, exposure to mineral oils including paraffin and its products, tar or asphalt or bitumen, acids and alkalis …etc

Employment Security

conditions to be eligible for the benefit

1- If he has completed the required period for the entitlement of the benefit provided for in article (12) of this scheme.
2- If he does not have a pension in accordance with the provision of any law, pension scheme or social insurance.
3- If he hasn’t quit the job willingly.

4- If he wasn’t dismissed from the job due to disciplinary reasons.

5- If he is capable of working and serious in looking for a job in accordance with the principles and conditions approved by the board of directors.

6- If he is not registered in one of the educational institutions in the regular studying system.

Disbursement

The benefit shall be disbursed monthly for a maximum period of (6) six continuous or separate months, at (60%) sixty percent of the average contribution wage during (24) months that precede the termination of service, or the period of contribution if it is less than this, provided that the benefit value shall not be less than the minimum amount of the pensions provided for in the Social Insurance Law referred to.

Disbursement of the benefit shall be stopped

The disbursement of the benefit shall be stopped under the following two cases:

1-If the insured person loses any of the conditions mentioned in article (11) of this scheme.

The death of the insured person.

If the disbursement of the benefit is stopped under one of the above two conditions, and then the condition under which the disbursement was stopped ceased to exist, the benefit will commence to be disbursed on the following day of giving notice of this. In all cases, the benefit cannot be disbursed after (24) twenty-four months of the entitlement date in a single claim.

Steps to apply for the benefit:

  1. Check your ID if it is activated to log in the website through :

 

    • Card reader
    • ‘tamm’ service on the mobile by exchanging the SIM card that supports the electronic authorization in Omantel , Ooredoo outlets.
    • Electronic authorization of the ID through the National Centre for electronic authorization under the Ministry of Transportation, Telecommunication and Information Technology. https://omanportal.gov.om/tam/home.htm
  2. Log in the Ministry of labour website or the Public Authority for Social Insurance.
  3. Choose ‘Employment Security
  4. Register the entry of the user through your mobile application ‘Tamm’ or through ID card reader .
  5. Go to ‘Security benefit
  6. It will be shown if you are eligible for the benefit or not:

A- If you were eligible, apply for the benefit.

B-If you were not eligible, the reason will appear and the procedure you may take.

The electronic service is offered by the Ministry of Labour and the Public Authority for Social Insurance through the following websites: www.manpower.gov.om www.pasi.gov.om The terminated employees can apply and know the reasons whether they are eligible or not to get the benefit and apply for benefit disbursement from home without visiting to the two authorities.