The countries of the Middle East all have traditional social insurance type social security programs. The move towards defined contribution individual accounts that is occurring in some regions has not affected this region The social security programs in the Middle East are not facing the problems of financing found in Europe and North America, in part because they still have relatively high fertility rates and are thus little affected by population aging. They tend to have low retirement ages and some of the wealthy countries of the region provide very generous benefits. Many of them need to consider reforms that raise retirement ages. A characteristic of many of the social security old-age benefit programs of the region is that they exclude foreign workers, who in some countries account for more than half the workforce.