Qatar Social Insurance (GRSIA) Pension Contribution Calculator

About the Qatar Social Insurance (GRSIA) Pension Contribution Calculator

Work out the social-insurance contributions for a Qatari employee under the Social Insurance Law promulgated by Law No. 1 of 2022, which the General Retirement and Social Insurance Authority (GRSIA) runs: the contribution salary — basic salary, social allowance and housing allowance counted up to QAR 6,000 a month, at most QAR 100,000 — with 7% deducted from the employee and 14% paid by the employer. On QAR 30,000 basic, QAR 5,000 social and QAR 8,000 housing allowance that is QAR 2,870.00 and QAR 5,740.00 a month.

The Payroll list tab works out a whole staff list pasted from a spreadsheet, line by line with totals, and the Pension tab estimates the pension with the law’s formula — 1/30 of the pension salary for each year of contributions, the conditions of Article 24 and the reductions for an early end of service. Nothing you type leaves your browser. Without a pass the page gives a free preview of your own result: the rates, caps and conditions that apply, with every amount worked out hidden until you unlock it with a Premium pass.

Who is covered

The law covers Qatari employees of the government and of the private sector who are at least 18 and in a regular, permanent job of a year or more, continuous or not (Articles 2 and 3). It does not cover the military, who have their own law, or staff under a scheme that gives better benefits (Article 5); the self-employed may join on income brackets at 21% (Article 4). Employees who are not Qatari are not insured under it: under the Labour Law they get the end-of-service gratuity — see the Gulf gratuity calculator and the Qatar final settlement calculator. Citizens of other Gulf states working in Qatar are covered through the GCC’s unified scheme for extending insurance protection, which this calculator does not work out.

The contribution salary and the rates

The contribution salary is the basic salary or wage plus the social allowance and the housing allowance (Article 1). The housing allowance counts up to QAR 6,000 a month, also when the employer or the state provides housing instead (Article 12), and the contribution salary is at most QAR 100,000 a month, except for someone already contributing on more before the law began (Articles 11 and 13).

Contributions are 21%: 7% deducted from the employee and 14% paid by the employer, by the 5th of the following month (Article 11). Late payment costs 2% a month of the amount late (Article 21), and staff not registered or declared below their real pay cost 10% more (Article 22). The Cabinet can change the rates and limits by decision (Article 84), so the calculator lets you edit them. The law’s text is on Al Meezan.

How the pension is worked out

The pension is 1/30 of the pension salary for each year of contributions, at most the pension salary itself, so 30 years give the full salary (Article 34). The pension salary is the last contribution salary in the government sector, and the average of the last three years — at most 130% of the first of them — in the private sector (Article 29). In counting the years and the age, a part month counts as a month and more than six months as a year (Articles 20 and 35).

Except on death or disability, a pension needs 25 years of contributions, 20 of them actual service; after a resignation it is paid from age 50 (Article 24). It is reduced by 2.5% for each year the age at the end of service falls short of 60 for men or 55 for women after a resignation or another end of service, and by 3% after a disciplinary dismissal or a conviction (Article 36). In the government sector it is at least QAR 15,000 a month after retirement, death or disability (Article 30).

Death, disability and people insured before

On death or disability the pension is worked out on the contribution years or 25 years, whichever is more, and on 30 years after a work injury (Article 26). People insured under Law No. 24 of 2002 who reach retirement age with 20 years or more are worked out on 30 years, and with 15 to under 20 years on 25 to 29 years (Article 82; the calculator reads it as the years plus ten). Without a pension right, more than a year of contributions gives a one-off payment set by the law’s regulation, and under a year your own contributions are returned (Article 42).

Official sources

• Al Meezan — Law No. 1 of 2022 promulgating the Social Insurance Law (Arabic)
• General Retirement and Social Insurance Authority (DAMAN)

Al Meezan is the State of Qatar’s legal portal; the law’s official text is in Arabic. GRSIA’s website is daman.gov.qa.

Limitations

• Uses the rates and limits written in the law; if a Cabinet decision has changed them (Article 84), enter the new figures under Rates and limits.
• Does not work out the self-employed income brackets, military pensions, the contributions of other Gulf states’ citizens, the Cabinet’s early-pension table (Article 83), the bonus for service beyond 30 years (Article 31), the pension of a mother who resigns to care for a child with a disability (worked out on 25 years without the reduction, Article 28) or the shares of the people a pension passes to.
• Article 20 counts more than six months as a year; the estimate leaves out a remainder of six months or less.
• The payroll list works out up to 2,000 employees at a time, each on the law’s cap; use One employee for someone covered by the Article 13 exception.
• Contributions are rounded to the dirham here; GRSIA’s statement and its pension decision are what count.

Privacy

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