Pakistan Social Security (PESSI / SESSI) Calculator
Calculate employer social security contributions and worker entitlements under the Provincial Employees' Social Security Ordinance, 1965 across Punjab (PESSI), Sindh (SESSI), Khyber Pakhtunkhwa (ESSI), and Balochistan (BESSI). Computes the 6% employer-only contribution, confirms the 0% worker deduction guarantee, and estimates cash sickness, workplace injury, and funeral grants.
Ideal for corporate compliance auditors, HR controllers, and industrial workers seeking transparency in social welfare benefits. All calculations execute client-side with complete privacy.
Provincial Social Security Architecture in Pakistan
Social security for industrial and commercial workers in Pakistan is administered at the provincial level under the Provincial Employees' Social Security Ordinance, 1965. Following the 18th Constitutional Amendment, the institutions operate autonomously under provincial labor departments:
| Province | Governing Social Security Body | Employer Contribution Rate | Employee Contribution Share |
|---|---|---|---|
| Punjab | PESSI (Punjab Employees Social Security Institution) | 6.0% of Wages (Capped at PKR 40k) | 0% (100% Free for Workers) |
| Sindh | SESSI (Sindh Employees Social Security Institution) | 6.0% of Wages (Capped at PKR 40k) | 0% (100% Free for Workers) |
| Khyber Pakhtunkhwa | KPK ESSI (Employees Social Security Institution) | 6.0% of Wages | 0% (100% Free for Workers) |
| Balochistan | BESSI (Balochistan Employees Social Security) | 6.0% of Wages | 0% (100% Free for Workers) |
Comprehensive Medical Care and Cash Indemnity Rights
Under Sections 35 to 45 of the Ordinance, registered insured persons carrying a computerized Social Security Card (Mazdoor Card) are statutorily entitled to:
- Outpatient & Inpatient Hospitalization: Comprehensive diagnostic pathology, MRI, CT scans, major surgeries (including cardiac stent placement and orthopedic procedures), and prescription pharmaceuticals at specialized Social Security hospitals.
- Sickness Cash Allowance: Under Section 35, when an insured worker is certified incapable of work due to illness, they receive 75% of their daily wage for up to 121 days in a calendar year (extended to 365 days for chronic illnesses like tuberculosis or cancer).
- Employment Injury Cash Indemnity: Under Section 39, injury sustained arising out of and in the course of employment is compensated at 100% of daily wages for the entire duration of temporary disablement.
Frequently Asked Questions
How much does an employer contribute to PESSI and SESSI in Pakistan?
Under Section 20 of the Provincial Employees' Social Security Ordinance 1965, the employer is legally obligated to contribute 6% of the monthly wages of every covered employee, capped at the statutory wage limit (PKR 40,000 per month).
Is any amount deducted from an employee's salary for PESSI or SESSI?
No. By law, social security contributions are 100% employer-financed. It is strictly illegal under the Ordinance for an employer to deduct any portion of the 6% social security contribution from an employee's salary.
What is the wage ceiling for social security registration in Pakistan?
The statutory qualifying wage ceiling is pegged to the provincial minimum wage (up to PKR 40,000 per month). Workers earning within this limit are enrolled as insured persons, entitled to free medical care and cash benefits.
What medical benefits do insured workers receive under PESSI and SESSI?
Insured workers and their registered dependents (spouse, minor children, dependent parents) are entitled to comprehensive free medical treatment, specialist consultations, hospital surgeries, diagnostic lab tests, cancer chemotherapy, and free medications at all Social Security hospitals and dispensaries.
What cash allowances are provided by Social Security institutions?
Cash allowances include: Sickness Benefit (75% to 100% of daily wage for up to 121 days), Employment Injury Benefit (100% of daily wage during recovery), Disablement Pension (for permanent disability), 12 weeks Maternity Benefit, and a lump-sum Funeral Grant of PKR 40,000 upon a worker's death.