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Home › › Saudi Arabia GOSI Social Insurance & WPS Guide 2026: Contribution Rates & Rules

Saudi Arabia GOSI Social Insurance & Wage Protection Guide 2026

The General Organization for Social Insurance (GOSI) (المؤسسة العامة للتأمينات الاجتماعية) administers mandatory social insurance coverage, occupational hazards benefits, and unemployment assistance across the Kingdom of Saudi Arabia.

Mandatory GOSI Contribution Rates 2026

Scheme / CategorySaudi National EmployeeExpatriate / Foreign WorkerTotal Contribution Rate
Annuities Branch (معاشات التقاعد)18.00% (9% Employer + 9% Employee)Not Applicable (0.00%)18.00% (Saudi only)
Occupational Hazards (الأخطار المهنية)2.00% (Employer Paid)2.00% (Employer Paid)2.00% (All Employees)
SANED Unemployment (ساند ضد التعطل)1.50% (0.75% Employer + 0.75% Employee)Not Applicable (0.00%)1.50% (Saudi only)
Total Statutory Monthly Contribution21.50% of Gross Wage2.00% of Gross Wage—

Wage Protection System (WPS / Mudad Platform)

  1. Mandatory Monthly Payroll: 100% of employees must receive salaries through Saudi commercial bank accounts.
  2. Mudad Compliance Platform (منصة مدد): Payroll files must be submitted within 10 days of the salary due date.
  3. SSCO Occupation Code Matching: Job titles on payroll records must align with registered SSCO codes in Qiwa and GOSI.

Regulatory Authority & Trust Note

Official Authority: General Organization for Social Insurance (GOSI)

Payroll Platform: Mudad Platform (mudad.com.sa)