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. How contributions shall be paid during the insured secondment (secondment abroad without payment)? Or during his special vacation?
      1. The insured (contributor) shall bear his share as well as that of the employer share in the contributions.​
    3. When shall the employer pay contributions to the Authority (its share and that of the contributing insured)?

      1. Contributions shall be paid to the Authority as from the beginning of the month following that against which they are due and this period may be extended to the fifteenth (15th) day of the said month.

        Example:
        Contributions of October 2015 shall be transferred to the Authority from 01/11/2015 until 15/11/2015.
    4. Should a retired person returned to work in the state, what is status of his pension and may he combine his pension and work salary?
        • A retired person may contribute to the Authority again if his new job is in the Authority.
        • Pension payment shall be discontinued if work salary is equal or more than pension amount whether the return to work was with an entity associate to the Authority or other pensions fund in the state.
        • While if the work salary is less than pension amount, it shall be paid from pension within the limits of the difference between it and the salary.

        Note: If a person, retired due to total disability or non-fitness for work, returned to work, then his pension shall be cancelled.​​​


    5. 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.
    6. Can the retired person return to work in an entity associate to the Authority and be paid, upon service end, based upon the previous and subsequent service periods?
      1. Yes, he can add his previous service period, to which he received pension, to his new service period according to the following conditions:

        • Submit addition application within one year from the date in which he returned to work.
        • His age shall not be more than 55 years upon returning to work.
        • The period, which may be added, includes actual service period and nominal service period purchased.
        • Service period shall be added in full other than in part.
        • Pension payment shall be discontinued as from the date of returning to work excluding these who may combine their pensions and salaries. (See Question 58).
        • Payment of purchase cost at the rate of 20% x the difference between Pension Calculation Salary and Contribution Calculation Salary on the date of purchase application x the service period added in months.
        • Addition cost shall be paid in one lot or on installments not less than quarter of Contribution Calculation Salary provided that the installment period shall not extend beyond the date of the insured service end or the date in which the insured shall become 60 years old, whichever comes earlier.
        • Previous service period, to which the insured received his pension shall be added without addition cost if Contribution Calculation Salary, in the date of submitting addition application, is equal or less than the rate of the previous pension.​​
    7. What are the procedures taken by the Authority in relation to newly retired persons to avoid delayed payment of their pension?
      1. The Authority pays monthly advance equal to payable pension for 3 months until pension is finally settled after having finished such documents and papers required in this regard.

        A pensioner requests payment of advance through the employer.​

    8. What are the consequences of the insured service end under a disciplinary decision by the employer in relation to entitlement of pension or gratuity?
        • The insured shall be deprived from quarter of gratuity.
        • The pensioner shall be deprived from quarter of pension. ​
    9. What are the benefits of contribution in GPSSA Social Security System?
      1. ​The contribution in social security provides citizens with many benefits in return for contributions paid by employers and deducted from the employees’ salaries. These benefits include retirement pensions or one-time bonus for service termination for any reason.​​

    10. Is it mandatory to add all previous service periods?
      1. ​Adding previous service periods is an optional right for the employee (insured), thus he/she can add the service period or start over in a new job. The insurer can also choose a service period to be added in case of working for many employers, and also can include a part of a single service period. ​

    11. What is meant by the governmental and private sectors?
      1. The Federal Law on Pension and Social Security covers all nationals working in both the public and private sector all over UAE, except for Abu Dhabi where the workers are subject to Abu Dhabi pension law.

        It’s worth noting the private sector entities with headquarters in Abu Dhabi, Citi Bank for instance, are subject to the federal pension law, i.e. they shall be registered at GPSSA, and their other branches across the emirates, including Abu Dhabi, shall be subject to this Law.

        As per entities with headquarters in Abu Dhabi, including their branches all over UAE, they shall be subject to the Abu Dhabi pension law, First Abu Dhabi bank for instance.

        The Governmental Sector:

        • Ministries, public institutions, , agencies and companies, and banks in which the Federal Government owns shares.
        • Local governmental authorities (Governments of Dubai, Sharjah, Ras Al Khaimah, Umm Al Quwain, Fujairah)


        The Private Sector:

        • Each natural or juridical person (Sole Proprietorship, office, company) employing national workers wherein the federal government is not a shareholder.​​​
    12. What are the documents required for the registration of UAE Nationals with the Authority as contributors in order for them to become insured? And what are the registration requirements?
      1. Required documents

        • Passport Copy
        • Emirates ID Card Copy
        • Family Book ID Copy
        • Birth Certificate Copy or Age Estimation Document
        • 3 filled copies of 'service start form' of the insured (service start form no. 1).
        • Appointment letter, self-procedure or employment contract (for governmental sector).
        • Original copy of employment contract attested by the Ministry of Labor for citizens working for the private sector.
        • Photocopy of medical examination upon appointment.

        Registration conditions

        • An employee shall be fit for working upon registration.​
        • The national shall be working for any federal governmental entity (ministers, public authorities and associations, companies and banks with a government share) and local entities in the other emirates except for Abu Dhabi. 
        • The national shall not be enrolled in any pension funds affiliated to the military or the Ministry of Interior. ​
        • The age shall be 18+ and less than 60. 


    13. What is meant by Contribution Calculation Salary?
      1. -  Governmental sector: Basic monthly salary, social allowance of a national, allowance of children, allowance of cost of living and allowance of accommodation.

        -   Private sector: Such salary provided for in employment contract including basic salary, gratuities and allowances (to be paid regularly and monthly)

    14. If the insured is given unpaid vacation for study, shall he continue to pay contributions to the Authority and who is the person in charge of them?
      1. Governmental Sector: payment of contributions shall be continued during this vacation where the employer and the insured shall pay their shares in the contributions.

        Private Sector: payment of the contributions shall be continued where the insured shall pay its and employer shares in contributions.

    15. What are the consequences of the employer’s failure to pay contributions to the Authority in a timely manner?
      1. Under the Law, the employer shall become liable to pay as additional amount at the rate of 0.1% of the payable contributions per day of delay without the need for warning or notice by the Authority.​
    16. What is meant by retirement age? And what are the conditions of pension entitlement at retirement age?
      1. -   When the insured reaches the age of sixty years.

        -   Pension shall be payable if the insured has completed 15 years in service. ​

    17. Are there any exceptions, which allow the retired person or beneficiary to combine his pensions and work salary unlimitedly?
        • If the retired person has retired from an official job for 25 years or more (provided that his service shall have not been subject to termination due to dismissal or removal or under a disciplinary action or court judgment)
        • A widow may combine her share in her husband pension and her work salary or pension in her personal capacity.​
    18. How the insured (contributing to Authority) can add his previous service period to current service periods and calculate them within the period whereby the pension is to be calculated?
      1. The insured shall have the right to apply for his previous service period according to the following conditions:

        • Submittal of an application to the Authority prior to end of service .
        • Payment of addition fees for 20% of Contribution Calculation Salary on the date of submitting addition application divided by the period requested to be added in months.​
    19. 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.​
    20. What are the consequences of deprivation or withdrawal of nationality from the insured or pensioner?
      1. Deprivation from pension throughout the life of the pensioner.​
    21. Does the employer pay a share in contributions of the insured?
      1. Governmental Sector  = Employer share equals (15%) of Contribution Calculation Salary

        Private Sector              = Employer pays (12.5%) of Contribution Calculation Salary

                                            = Government pays (2.5%) of Contribution Calculation Salary​

    22. How contributions shall be paid on the insured internal secondment?
        • The employer, to which the insured is seconded, shall pay its share in contributions if the employer bears the insured salary during the period of secondment.
        • The insured shall bear its share in contributions.
        • Payment of contributions shall be based upon the insured salary with the employer it is seconded from.​
    23. If the employer fails to deduct the contributions of all its employees or some of them or paid the contributions based on incorrect salaries, what are the provisions of law applicable in this case?
      1. Under the Law, the employer in the private sector shall, in these events, pay an additional amount at the rate of 10% of the payable contributions without the need for warning or notice by the Authority to the employer.​
    24. If a retired person returned to work with an entity associate to the Authority reinstated his contribution, may he be given retirement pension for the subsequent service period?
      1. Yes, he may be given another pension if relevant entitlement requirements were met but he may not combine two pensions and shall be paid the pension with the larger amount. ​
    25. Is pension or gratuity is subject to deduction or seizure?
      1. Yes, seizure may be applied according to the following conditions:

        • The seizure shall be in payment of alimentary debt decided by the court.
        • The seizure shall be in payment of government debt for reasons relating to work or to recover amounts paid to the insured unreasonably during his service.
        • Rate of seizure shall not exceed ¼ of pension or gratuity.
    26. Is registration at GPSSA mandatory?
      1. ​Insurance and contribution in the General Pension and Social Security Authority (GPSSA) is deemed mandatory; as the Law on Pension and Social Security, like any other law, is mandatory and shall be applied to all entities of both public and private sectors. These entities shall register all national employees at GPSSA. 

        National employees shall inquire if they are registered at GPSSA, and shall immediately notify GPSSA of not being registered while insurance contributions are being deducted from their salaries as this is related to their rights and their families’ rights. 

        Accordingly, GPSSA advises private sectors entities, even if affiliated to the free zones, to register their national employees, otherwise GPSSA will strictly apply the provisions of the Law on Pension and Social Security and impose additional amounts on all employers to ensure the rights of nationals, in order to apply the law provisions that must be respected even by compliance. 
    27. Can the medical reports issued from specialized medical committees in UAE be considered to prove a case of total or partial disability?
      1. The Pension Law mandates a special medical committee, established by the Minister of Health, to prove cases of total disability and medical unfitness in compliance with the Law on Pension and Social Security provisions. ​​
    28. Should the employee be in service to be able to add previous service periods or purchase a legal service periods?
      1. ​Yes, the existing law requires that an employee shall be in service to be able to add the previous service periods or legal service periods; because the addition cost is calculated based on the salary at the time of addition request, and because the added service period is calculated with the pension to be disbursed from the next day of end of service date. 
    29. 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). ​​
    30. Are there minimum and maximum limits for Contribution Calculation Salary?
        •  Maximum limit in private sector: AED 50.000
        • Minimum limit in private sector: AED 1.000
    31. If the insured is given sick leave, shall contributions of this leave be calculated? and who bears them before the Authority?
        • The insured shall bear its share in contributions based on his actual salary he receives during leave.
        • The insured shall bear its share in contributions based on full salary (whether or not leave is paid).
    32. Is the insured entitled to pension in case of service termination due to dismissal or removal?
      1. -  Yes, the insured is entitled to pension in these cases if he has contribution period of 15 years in security scheme.

        -   The insured is also entitled to pension in case of service termination under a disciplinary decision by the employer or court judgment if he has contribution period of 15 years in security scheme.

        * Note: 10% of pension shall be deducted in such cases.​

    33. What are the provisions of law applicable if a national is eligible to his pension from Abu Dhabi Pension Fund and then he went to work with an entity, which is associate to the Authority and obtained another pension?
      1. The pensions may be combined and vice versa.
    34. Who is responsible for registering national employees in GPSSA records?
      1. ​Pursuant to the Pension Law, Employers shall bear the responsibility for registering national employees at GPSSA and shall pay contributions based on their salaries. In this context, national employees shall be kept aware of the importance of inquiring employers about their registration at GPSSA. In case employers refuse to clarify, employees shall report the matter to GPSSA.

    35. Can I choose between receiving a pension salary or end of service gratuity?
      1. ​​Employees eligible to pension cannot replace it with a reward; because the purpose of the Pension Law is to protect individuals from any risks during their service, and securing a periodical income for them and their families after the end of service.
    36. Is it possible after retirement to add the previous service period in an entity affiliated to Abu Dhabi Pension Fund?
      1. ​The only service duration that can be added is the previous service that the employee is being rewarded for. In other words, if the service of a national, eligible for a reward, working for an entity affiliated to ADRPBF is ended, this service period can be added if he/she returns back to work in an entity affiliated to ADRPBF or the Federal Pension Authority. 

    37. Shall I retroactively pay due contributions (5%) if I am not registered by my employer in GPSSA?​
      1. Yes, if a previously specified period of time has elapsed in the workplace, employees and employers shall pay contributions for the previous service periods.
    38. What is basis whereby contributions are to be calculated?
      1. - Governmental Sector: contributions shall be calculated based upon Contribution Calculation Salary of each month.

        - Private Sector
        • Contribution Calculation Salary of January of each year – this salary shall be as the basis of contributions payment within one complete year (i.e. to January of the next month).
        • No salary increase or decrease shall be considered after the month of January.
        • If the insured joins his work after the month of January, Contribution Calculation Salary of this month shall be as the basis of contributions payment until next January) wherein the salary shall thereafter be as the basis of contributions payment.
    39. How contributions shall be processed during periods of special vacation for a spouse to accompany the other spouse?
      1. -  If a special vacation is given to accompany a diplomat

        and

        -  If a special vacation is given to accompany a scholar enjoying scholarship vacation.

        (the government employer shall bear its share and that of the insured).
        -  If a special vacation is given to accompany an insured employed by the private sector(the insured shall bear its share and that of the employer).
    40. 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.​​

    41. 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.​
    42. Is it posisble to add previous service period of less than one year?
      1. The service period of less than one year can be added, provided paying related cost.
    43. How contributions shall be calculated for a part of month upon service commencement or termination?
      1. In relation to private sector, contributions shall be paid to the Authority for the full month in which service is started other than the part of the month wherein it is terminated.​
    44. What are the conditions of pension entitlement for the insured whose service is terminated due to health reasons?
      1. - The insured is entitled to pension if his service is terminated due to his total disability or non-fitness for work due to health reasons provided that total disability or non-fitness for work shall be evidenced by the Medical Committee of the Authority prior to termination by the employer of the insured service.

        -  No certain service period shall be required for pension entitlement in these cases where the insured contribution to the Authority shall be sufficient.

        -  Rate of disability or non-fitness shall be determined under a decision by the Medical Committee of the Authority.​

    45. 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.

    46. If work injury resulted in partial disability to the insured, what are the benefits which Pension Law gives to the insured?
      1. The insured shall be entitled to a compensation at the rate of disability resulted from work injury to total disability compensation.

        Example: an insured person suffered a work injury which resulted in amputation of his hand finger and the Medical Committee has estimated his partial disability at the rate of 40%, the insured shall be entitled to partial disability compensation according to the following equation:

        40% x AED 75.000 = AED 30.000

    47. Is it advisable to add service period in all cases? And is it better to add the service period after working for a while or when starting a new job immediately and why?
      1. Adding the previous service periods increases the possibility of getting a retirement pension or increasing it. It’s always advisable to add the previous service periods upon joining a new one; because the addition cost is calculated based on the contribution salary as per the addition request date. 
    48. If I recovered from a total disability for which I have received a retirement pension and I am willing to return to work again. What shall I do regarding the pension?
      1. ​If the pensioner who receives pension as a result of total disability is willing to return to work, his/her pension will be stop and he/she will be covered by the Pensions Law again.​

    49. If the insured has resigned out of his own will, what are the conditions of retirement pension entitlement?
      1. If the insured reached:

        48 years on 28/02/2015 + 20 years of service

        49 years on 26/02/2016 + 20 years of service

        50 years on 28/02/2017 + 20 years of service​

    50. If the insured has resigned in March 2015 and his years of service were 20 years but his age is 47 years, what are the provisions of law applicable to this case?
      1. Pension shall be suspended and not be paid to the insured until he reaches the age of 48 in March 2016.

        End of service remuneration may not be paid in this case instead of deferred pension.​

    51. Why am I always required to get a permission to leave the workplace during official mandates?
      1. ​The regulations adopted by employers regarding the official working hours and leaving the workplace shall be complied with to ensure the proper functioning of work. There is a link between leaving work for official mandates and the Pension Law application. In other words, if an employee has an accident, it is considered a work injury and related benefits are specified in the Law.
    52. What is my benefit, in terms of insurance, from increasing my service period?
      1. The longer the service period, the higher retirement pension you get, it may reach 100% of the pension salary after a period of (35) years of service. If the service period is longer, the extra period will be compensated by a salary of (3) months for each year, in addition to the retirement pension.​