FREQUENTLY ASKED QUESTIONS

Saned (104)

Saned a page contain the most questions related to Saned and any related issues

Below are the list of Saned related FAQ's

What are the data required for SANED Application?

The national ID number
Bank name and IBAN number
Address and contact details

When is SANED monthly compensation paid?

SANED compensation is paid at the beginning of each Hijri month

What is the difference between "SANED" and "Hafiz"?

SANED is a system targeting unemployed individuals (previous employees)
Hafiz is a support program for job seekers.

My fixed-term Employment Contract has expired and has not been renewed, Am I entitled to SANED compensation

Yes, if other eligibility conditions are met

Is there a specific age for application of SANED system?

Contributor's age at the date of system application must be under 59

Is SANED system's role limited to those who lose their jobs or are already unemployed?

Application of SANED system is limited to unemployment for those have been unemployed for reasons beyond their control.

What are the requirement for entitlement to SANED compensation?

The following requirement must be met by the Contributor:
· The Contributor shall be a Saudi national.
· Availability of contributions entitling to compensation.
· Contributor shall not be dismissed from work for a reason attributed to him.
· Contributor shall not have income from private work or business.
· Contributor shall not have willingly left work.
· Contributor shall be capable to work.
· Contributor shall not have attained the age of sixty.
· Registration shall be at the MLSD (through the Human Resources Fund).
· Contributor shall be seeking job actively and seriously.
· Contributor shall commit to training as determined by HRDF.

Contributor shall adhere to the instructions and directives issued by HRDF.

Do I have to attend in person and provide personal forms and documents?

Attendance is not required, instead you can apply via GOSI website.

I didn’t manage to apply within 90 days of leaving my job, because of a claim filed with the High Commission for Settlement of Labor Disputes against my employer, or because of a delay in processing the transaction by GOSI, how can I apply now?

In case there is a proof that there are procedures that prevented the application within 90 days of leaving the job, such as an existing claim with the Ministry of Labor or a transaction at GOSI, kindly provide us with such proof at this email: saned@gosi.gov.sa with your personal data: full name, national ID number and personal contact details.

My SANED compensation was suspended due to my return to work, then I was terminated for a reason beyond my control, Am I entitled to SANED compensation?

Yes, but you must apply within 3 months from the end of the reason preventing receiving the compensation.

I was dismissed from work two months ago, and then I applied for compensation and received it. Why the payment is not from the date of dismissal?

Article 9 of the Unemployment Insurance Law stipulates that the beneficiary shall be entitled to compensation as from the first of the month following the date on which he meets the conditions stipulated under the Law, provided that the registration was made during the period provided for by the Law. Accordingly, the beginning of compensation shall be from the month following the application for SANED compensation and not from the date of dismissal from work.

What is the guarantee that contributors will not leave their work to receive such compensation?

The program is applicable in many countries, and has clear specific conditions that prevent such exploitation, that leads to negative results on job stability. Such conditions include the non-eligibility of the Contributor to obtain the financial return before the elapse of a certain period from the date of admission into the program. The Contributor also will not be able to obtain compensation, when he leaves his work voluntarily or in case he was dismissed for a reason attributed to him, rather the compensation is paid in case he lost his job for circumstances beyond his control with a desire to work and seek jobs.

My application was rejected because of 1, 2, 3, knowing that I am eligible?

You can file a complaint via GOSI website.

I do not have a bank account. Can I get the compensation in cash or by check?

No, a bank account must be opened, as the compensation will be deposited in the contributor's bank account.

what is the payment period of compensation ?

The payment period of compensation is 12 consecutive or sporadic months for each time of entitlement

What are the procedures required of employers or workers to contribute?

No procedure is required, as all Saudi workers under the Pensions branch will be subject to unemployment insurance, provided that the age of Contributor is under the age of fifty-ninth.

What is the subscription rate in SANED?

Subscription rate is 1.5%, the employer pays 0.75%, and the contributor pays 0.75%.

What is the main purpose of launching this program?

This program aims to achieve social protection for Saudi employees participating in the Pensions branch of the GOSI, and to provide a monthly source of income during the transitional period between the previous job and the opportunity to obtain a new job

Does the Contributor have the right to refuse to pay the insurance value of (0.75%)?

No Contributor has the right to refuse to pay the subscription, as it is a mandatory and obligatory statute.

I was dismissed from work by my employer for a reason not entitling me to SANED compensation; while the real reason for dismissal is entitling me to compensation, how can I modify the reason for the dismissal?

To modify the reason for dismissal, your employer must attend the Social Insurance Office and submit the documents proving the reason for dismissal. If the employer do not respond, you shall apply to the nearest insurance office for modification of dismissal reason and submit the supporting documents, or you can file a complaint against the employer with the High Commission for Settlement of Labor Disputes.

Will the new system (SANED) stimulate unemployment?

No, but the system will be among the most effective programs in fighting unemployment, as it doesn’t make sense for an employee who is fully paid and has other benefits, not to mention his hierarchical order to leave his current job voluntarily and go to the unknown, seeking a temporary compensation. The program was developed only to deal with an emergency and temporary case beyond the employee's and employer's control. The program aims to give the employee a kind of job reassurance, knowing that the Contributor's access to the compensation does not mean that he is on a paid leave, as he must seriously seek a job in order to ensure the continuity of compensation. In addition, the Contributor must promptly accept any appropriate job offer, knowing that HRDF will support and follow up employment and job search programs through Taqat centers.

Does any employee have the right to refuse to pay an insurance subscription fee of (0.75%)?

The employee may not refuse to pay the subscription fee. The system shall be compulsory for all Saudi nationals without sex discrimination, provided that the worker’s age at the beginning of the application is under the age of 59

The current system does not allow establishments to dismiss the Saudi employee, what is the benefit of SANED?

There are cases other than termination that enable the beneficiary to benefit from SANED such as bankruptcy and lockdown, leading to the demobilization of all labor, or demobilization of some of labor by the establishments in case of economic crises.

When do I get a training course?

All the cases that are entitled to SANED compensation and the extent of their need for training will be considered.

Are SANED’ beneficiaries entitled to optional subscription to the insurance system during the compensation receiving period?

Yes, the beneficiary shall be entitled to optional subscription in the insurance system.

What is the mechanism for registration in the system?

All Contributors will be automatically registered with pensions branch under unemployment insurance system without any further procedures.

When does compensation payment to the beneficiary begins?

The Beneficiary is entitled to compensation from the beginning of the month following the date on which the contributor meets eligibility conditions, and registered with MLSD represented by HRDF within three months of leaving the work.

Is "SANED" system is only for Saudi contributors?

Yes, the system is mandatory for all Saudi nationals registered with the Pensions branch of Social Insurance System.

Is the compensation payment ceased in the event of the failure to obtain a work or reach the age of 60 years, even though the Contributor has paid subscriptions like others?

Compensation period shall be 12 months. The contributor shall be assisted to find a job, and may, after the end of such period, join other unemployment support programs provided by the State. If the contributor reaches the age of 60 years and is not entitled to a pension, he shall be entitled to continue receiving the compensation until the expiry of the payment period (12 months). However, he shall not be paid for more than 12 months at each time of entitlement.

What is the contributions periods entitling to compensation?

1. The Contributor shall be entitled to compensation for the first time if he is employed in a job subject to this System for a period not less than 12 months during the 36 months preceding the first claim.

2. The Contributor shall be entitled to compensation for a second time if he is again employed in a job subject to this System for a period not less than 18 months during the 36 months preceding the second claim.

3. The Contributor shall be entitled to compensation for a third time if he is again employed in a job subject to this System for a period not less than 24 months during the 36 months preceding the third claim.

4. The Contributor shall be entitled to compensation at any subsequent time if he is again employed in a job subject to this System for a period of not less than 36 months during the forty-eight months preceding the last claim.

I have a judgment delivered by the High Commission for Settlement of Labor Disputes ruling to compensate me against the employer's failure to comply with the essential terms of the contract according to Article 81 of the Labor Law; am I entitled to SANED

Yes, if other eligibility conditions are met.

The establishment has been restructured and I have been dismissed; am I entitled to SANED compensation?

Yes, if other eligibility conditions are met.

What are the conditions for entitlement to SANED compensation?

•   The Contributor shall be a Saudi national.
•   Availability of contributions entitling to compensation.
•   Contributor shall not be dismissed from work for a reason attributed to him.
•   Contributor shall not have income from private work or business.
•   Contributor shall not have willingly left work.
•   Contributor shall be capable to work.
•   Contributor shall not have attained the age of sixty.
•   Registration shall be at the MLSD (through the Human Resources Fund).
•   Contributor shall be seeking job actively and seriously.
•   Contributor shall commit to training as determined by HRDF.

What is the system benefit for contributors?

The system provides the unemployed contributors with the following:
- Material income.
- Training and qualification for work.
- Help finding job opportunities.

I am a beneficiary of SANED system, and I currently receive the compensation, and I want to change the bank account number; How can I do that?

You can login to your personal account on GOSI website, then select "modify bank data".

How long is the eligible contribution period?

(A) Compensation shall be payable for the first time if beneficiary has worked for at least 12 months during the 36 months preceding the first claim.
(B) Compensation shall be payable for the second time if beneficiary has worked again for a period not less than 18 months during the 36 months preceding the second claim.
(c) Compensation shall be payable for the third time if beneficiary has worked again for at least 24 months during the 36 months preceding the third claim.
(D) Compensation shall be payable at any subsequent time if beneficiary has worked again for at least 36 months during the 48 months preceding the last claim.

"Entitlement may not be claimed if the contribution period is less than the period described above".

I am a partner in a company, am I entitled to SANED compensation?

No, according to the eligibility requirements, you should have no income from a work or special activity.

What are the competences of MOL represented by the Human Resources Development Fund?

- Registration of unemployed contributors.
- Identification and provision of training needs.
- Checking the availability of eligibility requirements for beneficiaries related to training, qualification and job opportunities

What are GOSI's competencies ?

- Registration of contributors and subscriptions collection.
- Compensation payment to beneficiaries.
- Manage and invest the account of this system.
- Check the other entitlement conditions for beneficiaries.

Is there a specific age to stop subscribing to the system?

Yes, the subscription is ceased if the contributors reaches the age of 60.

My services have been terminated under Article (77) of the Labor Law; am I entitled to SANED compensation?

Yes, if other eligibility conditions are met.

Is there a higher limit for combining SANED compensation with other compensation?

There is no higher limit for combination as per the compensations stipulated in Article 19 of Unemployment Insurance Law.

The Enterprise has been bankrupt and I have been dismissed. Am I entitled to SANED compensation?

Yes, if other eligibility conditions are met.

If you are unable to work either due to unprofessional or occupational disability, will the compensation continue?

No, payment shall be ceased, but if the obstacle is removed, the unemployed person shall be entitled to resume compensation.

When the compensation payment shall be ceased?

The compensation payment to the beneficiary shall be ceased for each entitlement dates in any of the following cases:
- Death
- If the beneficiary have income from a work or private business.
- If the beneficiary becomes unable to work.
- If the beneficiary is no longer registered with MLSD.
- If the beneficiary no longer looking seriously and actively for work.
- If the beneficiary fails to comply with the training without an acceptable justification.
- If the beneficiary does not comply with the instruction and guidance issued by MLSD.
- If the beneficiary stay outside KSA exceeds (60) continuous or intermittent days.
- If the beneficiary reaches the age of sixty and was entitled to a pension in accordance with the provisions of insurance system.
- In the absence of the eligibility conditions.

What is the penalty in case of the contributors' non-compliance with the rules?

Without prejudice to any more severe penalty stipulated under another law, any person who deliberately submits incorrect data for the benefit of third parties from compensations shall be subject to a fine not exceeding SAR 2,000 riyals, which shall be doubled in case of repetition.

Any person who deliberately submits incorrect data for benefiting from compensations shall be subject to a fine not exceeding the amount of compensations, which unlawfully paid to him, and shall be obliged to pay back the amount of compensation he received.

I received a text message stating that the entered account number was incorrect, what is the problem?

The bank account number should be entered in IBAN format, and the account number should be linked to the national ID number of the beneficiary. If a text message is received stating that the entered account number is incorrect, you should log in the personal account and modify the entered IBAN number.

I have a shop license, a commercial register; am I entitled to SANED compensation?

No, the entitlement conditions stated that the beneficiary should not have income from a work or private activity.

Why whoever travels outside the KSA is deprived from benefitting from the system, although he may travel for a necessity such as treatment?

Because one of the eligibility conditions is that the beneficiary shall be serious for seeking a job, qualification, joining training courses and attendance at dates to be determined by HRDF for personal interviews, and therefore the beneficiary shall be within the Kingdom.

To which legislative bodies, the system and its phases were submitted?

Endorsement of this system has passed through all legislation stages in force for the approval of statutes within the KSA, and no step was skipped. It was submitted to His Royal Highness, studied by the Bureau of Experts, the Supreme Economic Council and the Shura Council. Then, the Royal Decree No. M/18 dated 12/03/1435 AH was issued in this regard. SANED system is not new, but is one of the forms of social insurance systems aimed at social solidarity, from which the beneficiaries benefit such as pensions and occupational hazards. This system also realizes the public interest of the contributor and his family members by protecting him against need, when he is dismissed from work and loses his income by providing alternative sources of income. It also protects society against further cases of poverty and homelessness because of unemployment, and hence it is a kind of social solidarity systems aimed at protecting the individual, family and society and is an addition to other social insurance systems in force such as pensions and occupational hazards.

Is there an expected statistic for the number of beneficiaries?

The system will apply to all contributors, who are currently registered with pensions branch, amounting to about one and a half million subscribers, and all those who are eligible for compensation will benefit from SANED system.

To which legislative bodies, the system and its phases were submitted?

Compensation disbursement shall be ceased if the beneficiary leaves KSA; is the period open-ended?

Compensation disbursement to the beneficiary shall be ceased if the period of his stay outside KSA exceeds sixty (60) consecutive or sporadic days during the period of compensation disbursement.

What is the contribution payment mechanism?

The contribution rate shown in the system (0.75% on the employer and 0.75% on the contributor) shall be paid according to the same payment date of contribution to the two branches of notification and pensions of social insurance system.

If the disbursement is ceased for some reason, may the compensation claimed again?

If the obstacle that ceased disbursement is removed, disbursement shall be resumed as of the first of the month following the date on which MLSD is so notified, provided that such notice is within three months from the date on which the obstacle is removed.

What is the main purpose of launching the system?

This system is intended to bridge the transitional gap between the previous job and the opportunity to obtain a new job for private sector and the government sector employees covered by the social security system, who lost their jobs for reasons beyond their control.

Why the employer pays 1% and the contributor pays 0.75%?

With a view to achieving a balance between the contributions and expenditures.

Does the State contribute to the financing of the system?

The State guarantees the system and is obliged to pay the compensation if the expenses of the system exceeded the contributors' contributions. In addition, all employment support and training services provided by HRDF are provided with the full support of the State.

When did SANED compensation apply to contributors?

As of 1/11/1435 AH for establishments that follow the Hijri calendar, and as of 1/9/2014 for establishments that follow the Gregorian calendar.

How can I check my eligibility for compensation?

Through the Sanad eligibility check page on GOSI website at http://www.gosi.gov.sa/portal/web/guest/saned-eligibility-check, using the national ID number.

What is the registration mechanism for both SANED employers and contributors?

All Saudi contributors in the social insurance system were automatically registered in SANED compensation.

When should I register in the social insurance system?

A- The employer shall be required to register the employee within 15 days of the month following his employment.
B- The employee shall have the right to require its registration within 15 days following the expiry of the employer's deadline for the registration of employment

I am a partner in a company, am I entitled to SANED compensation?

No, according to the eligibility requirements, you should have no income from a work or special activity.

Why whoever travels outside the KSA is deprived from benefitting from the system, although he may travel for a necessity such as treatment?

Do the heirs benefit from SANED compensation?

No, the death of the person entitled to compensation leads to the suspension of compensation payment permanently.

What is the penalty if the contributors do not comply with the provisions of the law and its executive regulations?

- Any person who deliberately submits incorrect data to help other party to obtain the compensation shall be charged a penalty not exceeding SAR 2000 and the amount shall be doubled in case of repetition.

A person who submits incorrect data for the benefit of the compensation shall be charged a penalty not exceeding the value of the unjustly paid compensation as well as recovery of payment made of such compensation.

What is the penalty in case employers do not abide by the provisions of the Law and its Executive Regulations?

An employer who does not comply with any of the provisions of the Law and Executive Regulations shall be liable to a penalty not exceeding SAR 10,000 and the amount shall be doubled in case of repetition. The penalty shall be multiplied by the number of joint employees for whom the employer has committed one or more violations.

What is the benefit of the program for employers?

Employers will benefit from the program by removing the fear of job seekers from joining the private sector because of lack of job security so that they can retain their qualified staff and attract more staff.

Does the program include employees under working contracts?

The system will be applied to all Saudi employees subject to the pension branch under the social insurance system, whether in the private sector or the public sector.

What happens if the employer does not pay the contributions?

The employer's non-payment of contributions shall not prejudice the beneficiary's entitlement to compensation.

How to monitor the program application and how to deal with irregularities?

The application of this system shall be monitored by the MLSD and GOSI inspectors according to the system. Inspectors shall submit reports of irregularities, if any, to MLSD and GOSI to take the necessary action.

What measures should be taken in case of dissatisfaction with the Organization's decisions regarding compensation?

Employers and contributors may submit a sequent objection against any decision issued by any competent body of the Organization concerning its functions in applying the system.

The objection shall be submitted to the supreme authority in sequence for the body from which the objection decision was issued as indicated:

- GOSI Governor for the decisions taken by the Director of the Office
- Board of Directors for decisions taken by the Governor
- Employers and contributors, who their objections were not accepted, may file a complaint before the competent judicial authority in order to hear cases of labor.

Is SANED system in conformity with the Sharia Law?

Yes, it is a social insurance and solidarity system.

Why are contributions not refunded to contributors who are not unemployed?

The Social Insurance System is based on cooperation and integration among the contributors, and the entitlement of benefit for each of them is subject to the need and not only according to the paid contributions. As it is not a saving system to recover amounts at the end of term.

I have workers under my sponsorship, am I entitled to SANED compensation?

No, it a condition of SANED entitlement not to have income from private work or business. One example of private business is the presence of non-Saudi workers under the sponsorship of contributor, excluding domestic labor.

Knowing that I am qualified, will the system save the date 1, 2, 3 if the application was rejected?

Yes, the system will save the date of the request even if it is rejected.

I have a question regarding compensation for unemployment, how do I communicate with specialists?

If you have any further questions, you can contact us by calling our Call Center at 920020301

or by email: saned@gosi.gov.sa

If there are complaints about the system, you can enter them through GOSI website

How is HRDF managed? Is it a fund within the social insurance fund against unemployment or an item from the current fund will be allocated for this type of spending?

An independent account was created for this system in the General Organization for Social Insurance as a branch of social insurance

To whom SANED system is applied?

SANED system is mandatory applied for all Saudis under the age of 59, who are subject to the pension branch under the social insurance system. If the contributor reaches the age of 60, his or her contribution in SANED shall be ceased.

Is it permissible to combine this compensation with other social insurance benefits?

The beneficiary is entitled to combine this compensation with the following social insurance benefits:

• Lump-sum compensation and single payment compensation due to the beneficiary according to occupational hazards and pensions.
• Proceeds due to the beneficiary according to occupational hazards branch.
• The pension due to the beneficiary as a member of the family according to the pension branch.

Does SANED include any training programs for contributors?

Yes, training is one of the benefits that the unemployed contributor receives.

What happens if the employer does not pay the contributions?

The employer's non-payment of contributions shall not affect the beneficiary's entitlement to compensation

Is there a specific mechanism or requirements for contribution or deduction? What is requirement for employers and employees?

The contribution rate shown in the system (0.75% to the employer and 0.75% to the contributor) shall be complied with and no procedures are required from the contributors or the employers.

How can I benefit from training and employment services?

To benefit from the training and employment services, you must register on Taqat website www.taqat.sa
For more information, you can contact Taqat call center No. 920020301.

Is it permissible to combine this compensation with other social insurance compensation?

The beneficiary is entitled to combine this compensation with the following social insurance compensation:

- Lump-sum compensation for contributor with an occupational disability less than 50% and the woman who has disbursed her dues (single payment) is entitled to a combine with SANED compensation.
- A contributor with occupational disability of (50%) and not exceeding (84%) is entitled to combine the disability benefit and SANED compensation.
- The heir is entitled to combine the heir pension and SANED compensation.

What are the reasons that lead to the suspension of the compensation payment and can resume the disbursement in the event of its demise?

According to the following reasons:
- If the beneficiary has a monthly income from work or incapable to work.
- If the beneficiary is no longer a Saudi national.
- If the beneficiary has a special activity.

What are the consequences when I get a job and I do not tell the Social Insurance Organization?

A fine not exceeding SAR 10,000 shall be imposed on the employer who does not comply with any of the Law and Regulations' provisions, and the amount shall be doubled in case of repetition. The fine shall be multiplied by the number of contributors for whom the employer has committed one or more offenses.

What is the benefit of the program for contributors?

Protection for contributors who have lost their jobs for circumstances beyond their control, whereas the program will bridge the transition gap between the previous job and the opportunity to find a new job by providing contributors with:

Monthly income.

Training and qualification.

Career opportunities and offers

Will compensation payment stopped if the beneficiary leaves the Kingdom?

Yes, the payment ceases if the beneficiary's stay outside the Kingdom exceeds (60) days -consecutive or sporadic- during the compensation payment period.

How can I apply for SANED?

Application shall be submitted Online through the website of General Organization for Social Insurance
www.gosi.gov.sa

How were percentages determined and what was the purpose of sharing the contribution amount between the contributor and the employer?

These program controls have international and valid standards in many countries of the world, which is one of the protection programs deployed in the international community and it was developed in cooperation with the International Labor Organization after studying similar experiences that are applicable in the world. Taking into account views of employers and beneficiaries in Saudi Arabia in order to achieve financial balance between contributions and expenses. The aim of contribution is to distribute the charge rate, as both parties will benefit directly or indirectly from the new system. As the employer is ultimately responsible for all his employees and termination of their contract is the responsibility of the employer, and employers in the private sector will enjoy presence of national cadres as a result of achieving career greater security for employees of the private sector.

I have resigned from work, Am I entitled to SANED compensation?

No, leaving the job must be for a reason beyond the employee will.

The establishment has been closed and I have been dismissed; am I entitled to SANED compensation?

Yes, if other eligibility conditions are met.

Will the amounts deducted after retirement be recovered, if the employee is not dismissed during employment years?

No, as the contributions amounts that are paid for Social Insurance Systems, including this system, are to provide social protection for the employee in order to ensure cash the compensation for the employee and others who are covered by its provisions, if the specified entitlement conditions set out by the system are available

I have been dismissed from work, do I entitled SANED compensation?

No, leaving work shall be for a reason beyond the employee's will in order to benefit from the compensation.

What is the minimum limit for compensation?

Compensation shall not be less than the subsidy amount provided to job seekers, provided that compensation does not exceed the contributor average monthly salary before leaving the job.

Who will determine existence of an alternative job?

Can I register in SANED system (retroactively)?

No previous period will be retroactively recorded in SANED system after expiration of the registration deadline.

How long does you take advantage of SANED compensation?

The period of compensation is 12 months, whether consecutive or interrupted, within 24 months at each time of entitelment

How compensation is calculated?

Compensation is paid at 60% of the monthly average salaries, which are subject to contribution for each of the first three months and 50% of this average for each additional month.

When does entitlement of compensation begin?

Entitlement to compensation begins on the first day of the month following the date of entitlement conditions and compensation shall be paid in advance from that date.

Applying to the program (SANED) is compelet, when do I get compensation ?

The transaction will be first approved, then compensation amount will be transferred to the account number registered upon submission. The compensation amount will be transferred at the beginning of every Hijri month, if the eligibility for compensation continues.

I do not know how to use the computer. Can I request compensation by attending GOSI in person?

No, compensation must be applied for via GOSI online.

What are the reasons that lead to the cessation of the compensation payment permanently at each time of entitelment in the event of its occurrence?

According to the following reasons:
- Death
- If the beneficiary reaches the age of sixty and is entitled to a pension in accordance with the provisions of the insurance system.
- Stay outside the Kingdom for more than 60 days -connected or intermittent- during the period of the compensation payment.
- If beneficiary refused three suitable work offers -consecutive or sporadic- from HRDF or any other party assigned by HRDF.
- If the beneficiary did not enroll or succeed in a training course, including distance training for four periods –consecutive or sporadic– without any excuse accepted by HRDF.
- If the beneficiary does not attend on the dates determined by HRDF for interviews four times -consecutive or sporadic- without any excuse accepted by HRDF.
- In case of not accessing the electronic profile in the database of job applicants at least once a week for six consecutive weeks or different without an excuse accepted by HRDF.
- In case of not attending at HRDF or any agency authorized by HRDF to obtain qualification, training or employment services for four consecutive or sporadic periods without an excuse accepted by HRDF.
- If the beneficiary is not serious in the search for work or qualification as determined by HRDF.

Saned (104)

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