1. FAQ
    1. What are the procedures to register and insure UAE nationals under the provisions of Pension and Social Security Law?
      1. An employer (of governmental or private sector) shall register UAE national employees with the Authority no later than one month  from their joining date.​​​
    2. What is meant by work injury in Pensions Law?
      1. work injuries are:

        • The injury caused by an accident, which happened during the working hours or because of work.
        • The injury happens to the insured while going to or returning from his work.
        • The profession related illness resulting from the nature of the materials used in work.

        Death resulting from work stress and exhaustion​.

    3. What is meant by Purchase of Nominal Service Periods?
      1. Nominal Service Periods are non actual service periods deemed by the Pensions Law as actual periods, which the insured may apply for purchasing from the Authority and be added to his actual service periods to increase pension amount.
    4. When shall the insured who suffers work injury be entitled to pension?
      1. Yes. The concerned insured person shall be entitled to pension if work injury resulted in death or total disability regardless of the service period.​
    5. What is the number of Nominal Service Periods, which purchase may be requested and what are the conditions for purchase?
      1. ​Service periods, which may be purchased, are 10 years for the female insured and 5 years for the male insured.

        ​Purchase conditions:

        • Apply for purchase before end of service.  
        • Service year upon purchase shall be 20 years.
        • Payment of purchase cost at the rate of 20% x Contribution Calculation Salary on the date of purchase application x the service periods requested to be purchased.

        How ​purchase cost is paid:

        ​- It can be paid in one lot.

        - or on installment as follows:

        • Via first cash payment equal to 50% of total purchase cost.
        • Purchase cost remaining shall be paid on monthly installments not less than quarter of the monthly salary provided that the installment period shall not extend beyond four years or the date on which the insured shall become 60 years old, whichever comes earlier.
        • The insured shall submit an acknowledgement to deduct purchase cost installments from his monthly salary deposited in his bank account until full repayment and receipt of a release from the Authority.
        • If the insured person service is terminated without payment of total purchase cost, purchased period shall be calculated against the sums already paid.

           
        • Payment of the remaining installments shall be continued by deducting them from the pensions of his beneficiaries of the insured if the service of the insured is ended by death prior to full repayment.​
    6. How rate of pension of death or total disability (resulted from work injury) is calculated?
      1. The insured shall be entitled to retirement pension by the assumption that the period of his service extended to 35 years (i.e. maximum limit 100% of average of Pension Calculation Salary regardless of the service period).

        • Rate of disability shall be determined under a decision by the Medical Committee of the Authority. ​
    7. What is meant by the insured?
      1. A UAE national  subject to the provisions of the present law, whether a male or female,  becomes insured by the General Pension and Social Security Authority and covered by the Pension and Social Security law, and enjoys all benefits such as pension and gratuity (benefit). ​​
    8. Are there any other benefits in relation to cases of death and total disability resulted from work injury together with pension?
      1. Yes, there is a compensation for AED 75.000 to be given to heirs in case of death and to the insured who suffered total disability due to work injury.
    9. What are the provisions of law applicable if the insured service period exceeded 35 years?
      1. The insured shall be given a gratuity against the extra period at the rate of 3-month salary per year using the category of Pension Calculation Salary.

        Example: An insured whose service period lasted for 38 years and his average of Contribution Calculation Salary was AED 25.000.

        Gratuity = 3 x AED 25.000 x 3 = AED 275.000 plus retirement pension.​​

    10. If the Pensioner's service is terminated while he has not completed the last month of his service, shall this part of month be calculated in pension?
      1. The insured shall be entitled to the full month even if he works for a sole day in that month.​
    11. How addition cost is paid? Can it be paid on installments to the Authority?
      1. - It can be paid in one lot.

        - or on installment as follows:

        • Via cash payment equal to End of Service Indemnity the addition applicant received against the period requested to be added and remunerations shall be deducted from total addition costs.
        • Addition cost remaining shall be paid on monthly installments not less than quarter salary of the insured provided that the installment period shall not extend beyond four years or the date on which the insured shall become 60 years old, whichever comes earlier.
        • The insured shall submit an acknowledgement to the Authority to deduct addition installments from his monthly salary deposited in his bank account until full repayment and receipt of a release from the Authority.
        • If the insured person service is terminated without payment of total addition cost, added period shall be calculated against the sums already paid.

        The obligation to pay such installments shall be forfeited, if the service of the insured is terminated by death as he had paid 50% of the total addition cost payable by him. If the amount paid is less than 50% the remaining part of such percentage shall be deducted from the pensions of his beneficiaries.