يتيح  قانون التأمينات الاجتماعية والمعاشات للمؤمن عليهم فرصة الحصول على معاش إضافي وفقًا لشروط محددة.

ونص قانون التأمينات الاجتماعية والمعاشات على أنه يجوز لأي مؤمن عليه يزيد راتبه عن الحد الأقصى لأجر الاشتراك التأميني أن يتقدم بطلب للحصول على معاش إضافي.

هذا المعاش يتم منحه عن الجزء الذي يزيد عن الحد الأقصى لأجر الاشتراك التأميني، على ألا يتجاوز ذلك الجزء نسبة 100% من الحد الأقصى.

ووفقا للقانون يتم إنشاء حساب شخصي في صندوق التأمين الاجتماعي المنصوص عليه في المادة الخامسة من القانون، والذي يتيح للمؤمن عليه فرصة الاشتراك فيه من أجل الحصول على المعاش الإضافي.

وتحدد اللائحة التنفيذية للقانون النظام التأميني المكمل، ونسبة الاشتراكات التي يتحملها المؤمن عليه، بالإضافة إلى الشروط والقواعد التي تحدد كيفية الاستفادة من هذا المعاش الإضافي.

ونص القانون على أن تؤدي الاشتراكات الشهرية على أساس أجر أو دخل الاشتراك الزائد عن الحد الأقصى لأجر الاشتراك التأميني بما لا يجاوز  100من الحد الأقصى لأجر الاشتراك وفقا لإجمالي نسبة الاشتراكات المستحقة عن تأمين الشيخوخة والعجز والوفاة .

شروط الحصول على المعاش الإضافي في قانون التأمنيات

للحصول على معاش إضافي، يشترط القانون الالتزام بعدد من الخطوات:

عدم استقالة المؤمن عليه من العمل:

من الشروط الأساسية أن يكون المؤمن عليه لا يزال في عمله ولم يستقِل، ويُعتبر بحكم القانون أيضا منقطع عن العمل في حالات الغياب المستمرة عن العمل دون مبرر.

عدم وجود حكم نهائي ضد المؤمن عليه:

يُشترط ألا يكون المؤمن عليه قد أنهى خدمته نتيجة صدور حكم قضائي نهائي في جناية أو جنحة تتعلق بالشرف أو الأمانة أو الآداب العامة.

الاشتراك في المعاش الإضافي:

يجب أن يكون المؤمن عليه قد اشترك في تأمين المعاش الإضافي لمدة لا تقل عن سنة، ويُشترط أن تكون الستة أشهر الأخيرة من هذه السنة مستمرة بدون انقطاع.

سجل المتعطلين بمكتب القوى العاملة:

يجب أن يكون اسم المؤمن عليه مقيدًا في سجل المتعطلين بمكتب القوى العاملة المختص، وهذا يساعد في التحقق من حالته.

تحسين مستوى المعيشة

وتتيح هذه الشروط للمؤمن عليهم فرصة الحصول على معاش إضافي والذي من شانه العمل على دعم دخلهم التقاعدي وتحسين مستوى معيشتهم بعد التقاعد.

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