SOCIAL SECURITY INSURANCE

QUESTION 

 Some countries require companies to provide insurance for their employees and workers;  Where the company pays compensation on behalf of each employee or worker, and this huge amount is kept in a place under the Social Security Fund, and this fund belongs to the government, as well as a part of the employees' salaries every month.  Deductions are added to this fund so that employees can have medical insurance, similarly pension [pension] is also available with the same deduction provided the service period is 25 or 30 years.  The question is, is this type of insurance haram or halal?  And if I have the option to get insurance or not, can I ask the company not to deduct my salary and not provide me with insurance facilities?  Are there groups and investigations about this?

Social Insurance: This type of insurance is provided by the government and not for profit.  In this insurance, financial contributions are paid by the members, the government and the company.  In some cases, any of these three.  Financial support is also exempt, so every member gets paid once the required conditions are met.

ANSWER

There are many forms of this insurance, including:

 Social security:

in which the employee receives compensation in the event of illness, disability, incapacity or reaching old age, but this compensation is in exchange for a deduction from the monthly salary.

 Retirement record system:

 In this, a small amount is deducted from the monthly salaries of employees at the government level and this amount is given to the employee in one payment after completing the service period or reaching a certain age [it is called] retirement in our country.  ]

Medical Insurance: Under this, the government provides medical treatment facilities to the patients and in return makes a monthly deduction from the salary.

 In some countries, unemployment allowance is a form of this, in that it provides a sufficient amount of financial support to the unemployed until they find work, or insurance for families affected by premature death, or while working.  Personal injury insurance is also covered.

So “social insurance” is actually based on social welfare, and aims to protect the hard-working breadwinner from future negative worries, for example: if they suffer from sickness, old age, unemployment, etc.  In the event of work or disability, they are supported on the basis of this insurance, this insurance is usually mandatory and necessary, and the company and the government together with the beneficiary workers pay the premiums for this insurance.  Make a fixed contribution, but the government's share is always the highest in installments paid.

This type of insurance is part of the government policy, so the government itself sets up the insurance programs, it determines its limits;  In order to benefit all sections of the society and increase their development and welfare, sometimes the government itself becomes an insurance provider, for example these types of insurance include: pension scheme, social security,  And medical insurance etc. are also types of it” end

Second:

 There is no harm to all these plans, insurance, etc. Administration and major cooperation under the government, and this is the following reasons: 1 - The Social Insurance Fund or Social Security should not benefit by receiving episodes of members, but this fund is also granted to all employees who are subject to it. But this does not happen in commercial insurance; Since the first targeted profit in commercial insurance is earnings, and also, the shares of the profit insurance company go to the owners of the company. Insurance on the Supreme Scholars Council is in the article: “The difference between social and commercial insurance is the first target cooperation in the social insurance fund or social security, as it does not target trade or profit, if it is involved in doubt, which is doubtful, it can be disposed of. The first goal in commercial insurance is to achieve profit from blunt methods, and commercial insurance cannot be empty, but the commercial basis may have come (Naal) (4/305

Prof. Dr. Ali Ahmed Salous says:

  “Social insurance is not really an individual who takes risks and is included in the category of commercial insurance, it is a general insurance in which profit is not the goal, but it happens that many people are supported, so sometimes the number of those people is several million people, on the  For example, some countries provide social insurance for their youth, employees and workers, which is usually a pension.This is called a pension, which is collected by deducting a certain percentage of the monthly salary, so when the employee reaches the retirement limit, a pension is paid to him, either monthly or as a lump sum, and the  Provide support, including social security fund and medical insurance.

  "Encyclopedia of Contemporary Fiqh and Islamic Economics" (p. 372).

Social security fund or social security is the right of the public to the government, which is given to the public in case of disability, old age or illness, as well as financial support to the families of employees after their death.  .

  Because it is the government's responsibility to meet the basic needs of the people.

   Dr. Wahba Zaheili (may Allaah have mercy on him) says:

   "The social security fund or pension fund or insurance of workers and employees working for the government, etc. established by the government is permissible according to me, because meeting the needs of the common man in case of illness, disability and old age is the responsibility of the government It is the responsibility of the government to manage the welfare of the people even in the state of unemployment and incapacity for work.

   "Islamic Jurisprudence and Adlatah" (5/116)

   Therefore, the amount paid by the government, which is sometimes more than the amount of installments paid, is not interest, nor is it bad, but rather it is a duty and a debt of the government, it is separate.  It is said that the employee deposited some amount to the government monthly or annually from his salary and the remaining amount was given to the employee by the government in his own name.

   Sheikh Ibn Uthaymeen (may Allaah have mercy on him) says:

   "There is no doubt of any kind in the pension that is received upon retirement; as it is paid from the treasury, it is not a matter of one person to another, that we have to say: the interest is found in it."  rather, it becomes the right of this Baitul-Mal employee at the time of retirement, so there is no doubt about it."

   "Al-Maqqah Al-Shahri" (58/28, according to the automatic arrangement of Maktaba al-Shamila

3- The social security fund or social security fund is insurance similar to cooperative insurance, and cooperative insurance is justified by scholars;  Because the relationship between the employee and the government is based on mutual cooperation and support, the relationship is not based on profit, and the objective of the social security fund or social security fund is to take positive measures for the well-being of the whole society.  , while in commercial haram insurance, the main objective is the profit of the insurance company.

 Dr Yusuf Shabeli says:

  "This type of insurance is actually cooperative insurance; because it is not primarily for profit, it is operated by the government or by a general authority, with the aim of protecting employees who reach a certain age and who are old age Those who cannot do any work should be supported, so it is actually group and cooperative insurance, not commercial insurance."

  Cassette "Stocks and Contemporary Financial Transactions" No: (6/12)

  4- Most contemporary scholars have taken the same position, and there is a very small number of people who oppose them, rather Sheikh Muhammad Siddique Zarir says:

  “I don't know of any contemporary scholar who opposes the idea of ​​health insurance that I have put before you, just as I don't know of anyone who disagrees with the idea of ​​a social security fund.  As for the justification, the same is the case of medical insurance based on the Social Security Fund, and several Islamic councils have approved resolutions on its justification, in addition to encouraging its extension to the people.

  "Journal of Islamic Jurisprudence" (13/1378)

  In the second conference held in 1385 Hijri / 1965 in Cairo-Egypt under the leadership of "Majma-ul-Pakhu-e-Islamiy", this resolution was also passed that: "The government pension system and the prevailing social welfare in other countries similar to it funds, social security, all these are allowed "

  For more see: "Fiqh al-Nawazl" by: Jizani (3/266)

 Similarly, in the resolutions of the Islamic Fiqh Academy [which is the text of the Supreme Council of Ulama], it is also stated that: "The government has already agreed that the amount granted at the time of retirement should be given to their subjects." Because the government is accountable to the citizens, and by giving this money, the government has supported an employee who has served the nation, so the government has set up a system for this and in it the families of the employees.  Care has also been taken, as well as the need to support them financially in such a situation.

Similarly, in the resolutions of the Islamic Fiqh Academy [which is the text of the Supreme Ulama Council], it is also stated that: "The government has already agreed that the amount given at the time of retirement should be given to its subjects."  Because the government is responsible to the citizens, and by giving this money, the government has supported such an employee who has served the nation, so the government has set a system for this and in it the families of the employees.  Care has also been taken, as well as the need to support them financially in such a situation.

 Therefore, the amount received on retirement is not a property-for-property transaction between the government and the employees, so there is no uniformity in pension and commercial insurance in which the contract is property-for-property and anyway the target of insurance companies is insurance.  The solicitors have to use them for their own benefit, the insurance companies use them internally for their own benefit.  The reason for the difference between pension and insurance is that the amount given to the employee at the time of retirement is a right recognized by the government in favor of its employees, the government gives these amounts to a person who has  has lived in the service of the nation, so in recognition of his services, and in return for his physical and mental co-operation with the Government, this amount is given to him;  that he spent his time for the welfare of the people" Anthei

 "Qaraat al-Mujama al-Fiqhi al-Islami" for Al-Rabbitah (p. 39), "Researches by the Scholars" (4/313).Some countries require companies to provide insurance for their employees and workers;  Where the company pays compensation on behalf of each employee or worker, and this huge amount is kept in a place under the Social Security Fund, and this fund belongs to the government, as well as a part of the employees' salaries every month.  Deductions are added to this fund so that employees can have medical insurance, similarly pension [pension] is also available with the same deduction provided the service period is 25 or 30 years.  The question is, is this type of insurance haram or halal?  And if I have the option to get insurance or not, can I ask the company not to deduct my salary and not provide me with insurance facilities?  Are there groups and investigations about this?

Social Insurance: This type of insurance is provided by the government and not for profit.  In this insurance, financial contributions are paid by the members, the government and the company.  In some cases, any of these three.  Financial support is also exempt, so every member gets paid once the required conditions are met.

   There are many forms of this insurance, including:

   Social security: 

in which the employee receives compensation in the event of illness, disability, incapacity or reaching old age, but this compensation is in exchange for a deduction from the monthly salary.

   Retirement record system: In this, a small amount is deducted from the monthly salaries of employees at the government level and this amount is given to the employee in one payment after completing the service period or reaching a certain age [it is called] retirement in our country.  ]

Medical Insurance: Under this, the government provides medical treatment facilities to the patients and in return makes a monthly deduction from the salary.

  In some countries, unemployment allowance is a form of this, in that it provides a sufficient amount of financial support to the unemployed until they find work, or insurance for families affected by premature death, or while working.  Personal injury insurance is also covered.

  So “social insurance” is actually based on social welfare, and aims to protect the hard-working breadwinner from future negative worries, for example: if they suffer from sickness, old age, unemployment, etc.  In the event of work or disability, they are supported on the basis of this insurance, this insurance is usually mandatory and necessary, and the company and the government together with the beneficiary workers pay the premiums for this insurance.  Make a fixed contribution, but the government's share is always the highest in installments paid.

This type of insurance is part of the government policy, so the government itself sets up the insurance programs, it determines its limits;  In order to benefit all sections of the society and increase their development and welfare, sometimes the government itself becomes an insurance provider, for example these types of insurance include: pension scheme, social security,  And medical insurance etc. are also types of it” end

 "Researches of the Higher Scholars" (4/45)

Second: There is no harm to all these plans, insurance, etc. Administration and major cooperation under the government, and this is the following reasons: 1 - The Social Insurance Fund or Social Security should not benefit by receiving episodes of members, but this fund is also granted to all employees who are subject to it. But this does not happen in commercial insurance; Since the first targeted profit in commercial insurance is earnings, and also, the shares of the profit insurance company go to the owners of the company. Insurance on the Supreme Scholars Council is in the article: “The difference between social and commercial insurance is the first target cooperation in the social insurance fund or social security, as it does not target trade or profit, if it is involved in doubt, which is doubtful, it can be disposed of. The first goal in commercial insurance is to achieve profit from blunt methods, and commercial insurance cannot be empty, but the commercial basis may have come (Naal) (4/305

Prof. Dr. Ali Ahmed Salous says:

  “Social insurance is not really an individual who takes risks and is included in the category of commercial insurance, it is a general insurance in which profit is not the goal, but it happens that many people are supported, so sometimes the number of those people is several million people, on the  For example, some countries provide social insurance for their youth, employees and workers, which is usually a pension.This is called a pension, which is collected by deducting a certain percentage of the monthly salary, so when the employee reaches the retirement limit, a pension is paid to him, either monthly or as a lump sum, and the  Provide support, including social security fund and medical insurance.

  "Encyclopedia of Contemporary Fiqh and Islamic Economics" (p. 372).

Social security fund or social security is the right of the public to the government, which is given to the public in case of disability, old age or illness, as well as financial support to the families of employees after their death.  .

   Because it is the government's responsibility to meet the basic needs of the people.

   Dr. Wahba Zaheili (may Allaah have mercy on him) says:

   "The social security fund or pension fund or insurance of workers and employees working for the government, etc. established by the government is permissible according to me, because meeting the needs of the common man in case of illness, disability and old age is the responsibility of the government It is the responsibility of the government to manage the welfare of the people even in the state of unemployment and incapacity for work.

   "Islamic Jurisprudence and Adlatah" (5/116)

   Therefore, the amount paid by the government, which is sometimes more than the amount of installments paid, is not interest, nor is it bad, but rather it is a duty and a debt of the government, it is separate.  It is said that the employee deposited some amount to the government monthly or annually from his salary and the remaining amount was given to the employee by the government in his own name.

   Shaykh Ibn Uthaymeen (may Allaah have mercy on him) says:

   "There is no doubt of any kind in the pension that is received upon retirement; as it is paid from the treasury, it is not a matter of one person to another, that we have to say: the interest is found in it."  rather, it becomes the right of this Baitul-Mal employee at the time of retirement, so there is no doubt about it."

   "Al-Maqqah Al-Shahri" (58/28, according to the automatic arrangement of Maktaba al-Shamila

3- The social security fund or social security fund is insurance similar to cooperative insurance, and cooperative insurance is justified by scholars;  Because the relationship between the employee and the government is based on mutual cooperation and support, the relationship is not based on profit, and the objective of the social security fund or social security fund is to take positive measures for the well-being of the whole society.  , while in commercial haram insurance, the main objective is the profit of the insurance company.

  Dr Yusuf Shabeli says:

  "This type of insurance is actually cooperative insurance; because it is not primarily for profit, it is operated by the government or by a general authority, with the aim of protecting employees who reach a certain age and who are old age Those who cannot do any work should be supported, so it is actually group and cooperative insurance, not commercial insurance."

  Cassette "Stocks and Contemporary Financial Transactions" No: (6/12)

  4- Most contemporary scholars have taken the same position, and there is a very small number of people who oppose them, rather Sheikh Muhammad Siddique Zarir says:

  “I don't know of any contemporary scholar who opposes the idea of ​​health insurance that I have put before you, just as I don't know of anyone who disagrees with the idea of ​​a social security fund.  As for the justification, the same is the case of medical insurance based on the Social Security Fund, and several Islamic councils have approved resolutions on its justification, in addition to encouraging its extension to the people.

  "Journal of Islamic Jurisprudence" (13/1378)

  In the second conference held in 1385 Hijri / 1965 in Cairo-Egypt under the leadership of "Majma-ul-Pakhu-e-Islamiy", this resolution was also passed that: "The government pension system and the prevailing social welfare in other countries similar to it funds, social security, all these are allowed "

  For more see: "Fiqh al-Nawazl" by: Jizani (3/266)

  Similarly, in the resolutions of the Islamic Fiqh Academy [which is the text of the Supreme Council of Ulama], it is also stated that: "The government has already agreed that the amount granted at the time of retirement should be given to their subjects." Because the government is accountable to the citizens, and by giving this money, the government has supported an employee who has served the nation, so the government has set up a system for this and in it the families of the employees.  Care has also been taken, as well as the need to support them financially in such a situation.

Similarly, in the resolutions of the Islamic Fiqh Academy [which is the text of the Supreme Ulama Council], it is also stated that: "The government has already agreed that the amount given at the time of retirement should be given to its subjects."  Because the government is responsible to the citizens, and by giving this money, the government has supported such an employee who has served the nation, so the government has set a system for this and in it the families of the employees.  Care has also been taken, as well as the need to support them financially in such a situation.

 Therefore, the amount received on retirement is not a property-for-property transaction between the government and the employees, so there is no uniformity in pension and commercial insurance in which the contract is property-for-property and anyway the target of insurance companies is insurance.  The solicitors have to use them for their own benefit, the insurance companies use them internally for their own benefit.  The reason for the difference between pension and insurance is that the amount given to the employee at the time of retirement is a right recognized by the government in favor of its employees, the government gives these amounts to a person who has  has lived in the service of the nation, so in recognition of his services, and in return for his physical and mental co-operation with the Government, this amount is given to him;  that he spent his time for the welfare of the people" Anthei

 "Qaraat al-Mujama al-Fiqhi al-Islami" for Al-Rabbitah (p. 39), "Researches by the Scholars" (4/313).Some countries require companies to provide insurance for their employees and workers;  Where the company pays compensation on behalf of each employee or worker, and this huge amount is kept in a place under the Social Security Fund, and this fund belongs to the government, as well as a part of the employees' salaries every month.  Deductions are added to this fund so that employees can have medical insurance, similarly pension [pension] is also available with the same deduction provided the service period is 25 or 30 years.  The question is, is this type of insurance haram or halal?  And if I have the option to get insurance or not, can I ask the company not to deduct my salary and not provide me with insurance facilities?  Are there groups and investigations about this?

Social Insurance: This type of insurance is provided by the government and not for profit.  In this insurance, financial contributions are paid by the members, the government and the company.  In some cases, any of these three.  Financial support is also exempt, so every member gets paid once the required conditions are met.

   There are many forms of this insurance, including:

  Social security: in which the employee receives compensation in the event of illness, disability, incapacity or reaching old age, but this compensation is in exchange for a deduction from the monthly salary.

   Retirement record system: In this, a small amount is deducted from the monthly salaries of employees at the government level and this amount is given to the employee in one payment after completing the service period or reaching a certain age [it is called] retirement in our country.  ]

Medical Insurance: Under this, the government provides medical treatment facilities to the patients and in return makes a monthly deduction from the salary.

  In some countries, unemployment allowance is a form of this, in that it provides a sufficient amount of financial support to the unemployed until they find work, or insurance for families affected by premature death, or while working.  Personal injury insurance is also covered.

  So “social insurance” is actually based on social welfare, and aims to protect the hard-working breadwinner from future negative worries, for example: if they suffer from sickness, old age, unemployment, etc.  In the event of work or disability, they are supported on the basis of this insurance, this insurance is usually mandatory and necessary, and the company and the government together with the beneficiary workers pay the premiums for this insurance.  Make a fixed contribution, but the government's share is always the highest in installments paid.

This type of insurance is part of the government policy, so the government itself sets up the insurance programs, it determines its limits;  In order to benefit all sections of the society and increase their development and welfare, sometimes the government itself becomes an insurance provider, for example these types of insurance include: pension scheme, social security,  And medical insurance etc. are also types of it” end

 "Researches of the Higher Scholars" (4/45)

Second: There is no harm to all these plans, insurance, etc. Administration and major cooperation under the government, and this is the following reasons: 1 - The Social Insurance Fund or Social Security should not benefit by receiving episodes of members, but this fund is also granted to all employees who are subject to it. But this does not happen in commercial insurance; Since the first targeted profit in commercial insurance is earnings, and also, the shares of the profit insurance company go to the owners of the company. Insurance on the Supreme Scholars Council is in the article: “The difference between social and commercial insurance is the first target cooperation in the social insurance fund or social security, as it does not target trade or profit, if it is involved in doubt, which is doubtful, it can be disposed of. The first goal in commercial insurance is to achieve profit from blunt methods, and commercial insurance cannot be empty, but the commercial basis may have come (Naal) (4/305

Prof. Dr. Ali Ahmed Salous says:

  “Social insurance is not really an individual who takes risks and is included in the category of commercial insurance, it is a general insurance in which profit is not the goal, but it happens that many people are supported, so sometimes the number of those people is several million people, on the  For example, some countries provide social insurance for their youth, employees and workers, which is usually a pension.This is called a pension, which is collected by deducting a certain percentage of the monthly salary, so when the employee reaches the retirement limit, a pension is paid to him, either monthly or as a lump sum, and the  Provide support, including social security fund and medical insurance.

  "Encyclopedia of Contemporary Fiqh and Islamic Economics" (p. 372).

Social security fund or social security is the right of the public to the government, which is given to the public in case of disability, old age or illness, as well as financial support to the families of employees after their death.  .

   Because it is the government's responsibility to meet the basic needs of the people.

   Dr. Wahba Zaheili (may Allaah have mercy on him) says:

   "The social security fund or pension fund or insurance of workers and employees working for the government, etc. established by the government is permissible according to me, because meeting the needs of the common man in case of illness, disability and old age is the responsibility of the government It is the responsibility of the government to manage the welfare of the people even in the state of unemployment and incapacity for work.

   "Islamic Jurisprudence and Adlatah" (5/116)

 Therefore, the amount paid by the government, which is sometimes more than the amount of installments paid, is not interest, nor is it bad, but rather it is a duty and a debt of the government, it is separate.  It is said that the employee deposited some amount to the government monthly or annually from his salary and the remaining amount was given to the employee by the government in his own name.

 Shaykh Ibn Uthaymeen (may Allaah have mercy on him) says:

   "There is no doubt of any kind in the pension that is received upon retirement; as it is paid from the treasury, it is not a matter of one person to another, that we have to say: the interest is found in it."  rather, it becomes the right of this Baitul-Mal employee at the time of retirement, so there is no doubt about it."

   "Al-Maqqah Al-Shahri" (58/28, according to the automatic arrangement of Maktaba al-Shamila

3- The social security fund or social security fund is insurance similar to cooperative insurance, and cooperative insurance is justified by scholars;  Because the relationship between the employee and the government is based on mutual cooperation and support, the relationship is not based on profit, and the objective of the social security fund or social security fund is to take positive measures for the well-being of the whole society.  , while in commercial haram insurance, the main objective is the profit of the insurance company.

  Dr Yusuf Shabeli says:

  "This type of insurance is actually cooperative insurance; because it is not primarily for profit, it is operated by the government or by a general authority, with the aim of protecting employees who reach a certain age and who are old age Those who cannot do any work should be supported, so it is actually group and cooperative insurance, not commercial insurance."

  Cassette "Stocks and Contemporary Financial Transactions" No: (6/12)

  4- Most contemporary scholars have taken the same position, and there is a very small number of people who oppose them, rather Sheikh Muhammad Siddique Zarir says:

  “I don't know of any contemporary scholar who opposes the idea of ​​health insurance that I have put before you, just as I don't know of anyone who disagrees with the idea of ​​a social security fund.  As for the justification, the same is the case of medical insurance based on the Social Security Fund, and several Islamic councils have approved resolutions on its justification, in addition to encouraging its extension to the people.

  "Journal of Islamic Jurisprudence" (13/1378)

  In the second conference held in 1385 Hijri / 1965 in Cairo-Egypt under the leadership of "Majma-ul-Pakhu-e-Islamiy", this resolution was also passed that: "The government pension system and the prevailing social welfare in other countries similar to it funds, social security, all these are allowed "

  For more see: "Fiqh al-Nawazl" by: Jizani (3/266)

  Similarly, in the resolutions of the Islamic Fiqh Academy [which is the text of the Supreme Council of Ulama], it is also stated that: "The government has already agreed that the amount granted at the time of retirement should be given to their subjects." Because the government is accountable to the citizens, and by giving this money, the government has supported an employee who has served the nation, so the government has set up a system for this and in it the families of the employees.  Care has also been taken, as well as the need to support them financially in such a situation.

Similarly, in the resolutions of the Islamic Fiqh Academy [which is the text of the Supreme Ulama Council], it is also stated that: "The government has already agreed that the amount given at the time of retirement should be given to its subjects."  Because the government is responsible to the citizens, and by giving this money, the government has supported such an employee who has served the nation, so the government has set a system for this and in it the families of the employees.  Care has also been taken, as well as the need to support them financially in such a situation.

 Therefore, the amount received on retirement is not a property-for-property transaction between the government and the employees, so there is no uniformity in pension and commercial insurance in which the contract is property-for-property and anyway the target of insurance companies is insurance.  The solicitors have to use them for their own benefit, the insurance companies use them internally for their own benefit.  The reason for the difference between pension and insurance is that the amount given to the employee at the time of retirement is a right recognized by the government in favor of its employees, the government gives these amounts to a person who has  has lived in the service of the nation, so in recognition of his services, and in return for his physical and mental co-operation with the Government, this amount is given to him;  that he spent his time for the welfare of the people" Anthei

 "Qaraat al-Mujama al-Fiqhi al-Islami" for Al-Rabbitah (p. 39), "Researches by the Scholars" (4/313).