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The indemnity is not related to insurance, but it is more of an end-of-the-term bonus, and is required by law to be paid to expatriate workers thanking them for serving the state.
A worker is entitled to an end of service gratuity, upon expiry of his service. The worker should have completed atleast five years of employment. The gratuity will be agreed upon by the two parties, provided it is not less than three-week wages for each year of employment and if one exceeds 5 years of service, gratuity could even be calculate at 30 days per year.
The last drawn basic wage will be the base for calculation of gratuity. The employer is entitled to deduct from service gratuity , the amount due to him by the worker, if any. The employer usually fixes the date of annual leave for the worker as per the work requirements and may divide the leave with the consent of the worker, provided, it should not be divided for more than two periods. In case the employee submits a written application for postponement of the annual leave, it can be postponed to next year, but, it should not be more than half of the annual leave.
Generally, after one year of continuous service, employee is eligible for an annual paid leave of at least three weeks if the service is less than five years, and at least four weeks if the service is more than five years. The worker is eligible to take leave for fractions of the year, based on the period of service rendered. The worker is not allowed to waive his entitlement to the annual leave, and any agreement done on the contrary would be considered as void.
Some companies also offer payment in lieu of annual leave of the employee, equivalent to the wage of the employee for the leave days for which he is entitled, in case the contract is terminated before the worker claims his leave. Also if your child is in school you will need a subsidy on their education.
This will allow you to live in a modest 2-bdrm apartment with a decent lifestyle and allow you to save some money per month — that amount will be dependent on yourself. All the above benefits. This should allow you to live very well and comfortably with money to save.
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