As an expat in Bahrain's private sector, what does social insurance cover and what comes out of my salary?

Two schemes run through the Social Insurance Organization (SIO, also called GOSI) for expat workers in the private sector. 1. End-of-service gratuity (paid by the employer) · Your employer pays SIO 4.2% of your monthly wage for each of the first three years, then 8.4% for every year after that. Nothing comes out of your salary for this. · At the end of your job, SIO pays the gratuity as one lump sum: 15 days' pay per year for the first three years, then one month's pay per year after that. · It is worked out on your basic salary plus social allowance only. Housing, transport and other allowances do not count. · You apply on the SIO website with an advanced-level eKey and attach your bank account details. Payment is made within 5 working days. · If you move to another company, you still get the gratuity for your time at the old one. · If your employer refuses to pay, you can complain to the LMRA Expatriate Protection Centre in North Seha. 2. Unemployment insurance (shared) · 1% of your wage is deducted from your pay, your employer pays another 1%, and the government adds 1%. · Expats can claim only if they are legally resident for work and did not leave the job voluntarily. They also need 12 months of contributions for a first claim. · Compensation is 60% of your average wage over the last 12 months, capped at BD 1,000 a month. It is paid for up to 9 months. Steps · Check your SIO record with your eKey to see the contributions paid for you. · When your job ends, apply for the gratuity on the SIO website with an advanced eKey and your bank details. · If the employer refuses to pay, file a complaint with the LMRA Expatriate Protection Centre.

GOSI & social insurance in Bahrain

As an expat in Bahrain's private sector, what does social insurance cover and what comes out of my salary? — Two schemes run through the Social Insurance Organization (SIO, also called GOSI) for expat workers in the private sector. 1. End-of-service gratuity (paid by t

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