الاشتراك الاختياري في معاشات التأمينات الاجتماعية : صورته و حكمه

Abstract EN

Furthermore, Pensions is one of “Social Insurance” branches, which taking-part in it is between compulsory and voluntary.

For the voluntary subscription, it is mainly for the workers who are not covered by the compulsory contribution, and it may also be a continuation of a mandatory subscription after it has been discontinued.

The researchers differed regarding social insurance, is it a commercial insurance or cooperative? However, it is more likely to be cooperative than other opinion for some reasons; Firstly, to separate social insurance funds from the state's finance.

Lastly, it is a non-profit scheme, even though there are issues in some aspects of it.

Based on the aforementioned reasons, it might be concluded that the voluntary participation in “Social Insurance Pension” is permissible; however, with condition of determine the amount of pension by looking at a fair wage of the pensioner, in order to avoid trade-off insinuation that may generate from that deal, and provided that the subscriber does not pay “delay penalty”, because he can waive the late payment period from the subscription without paying the fines.

Nevertheless, there are some suspicion issues arising from such contract.

So, it is better refrain from it.