Yes, the employer may reclaim any amounts they paid to the GPSSA that exceed the required contributions, but under condition that they claim them within two years from the date of payment.
Before a rights holder can go to court, they must first appeal the pension or gratuity decision to the Insurance Appeals Committee formed by the Board of Directors, and this must be done within five years of becoming entitled to the pension or endofservice payment. This means the committee must be petitioned before taking legal action against the employer, and the appeal has a fiveyear deadline.
In such case, the employer shall be subject to a fine not exceeding AED 50,000.
Yes, it is permissible to return to work if he/she is not over the age of 60.
Only the share with the greater pension value is disbursed to the beneficiary. Receiving two shares is not allowed.
If the Insured’s salary is increased and such increase is applied retroactively to cover a period preceding the employer’s decision, the employer is obliged to pay the difference in contributions resulting therefrom to the GPSSA.
The employer shall be liable to pay an additional amount of AED 200 for each day delayed, multiplied by the number of Insured individuals.
Any data requested for the purposes of verifying the contribution rates for the insured.
Only the share with the greater pension value is disbursed to them. Receiving two shares is not allowed.
Yes, a widow may combine her personal pension share with that of her husband’s pension share.
To ensure the continuation of pension payments, pensioners and beneficiaries or their agents must notify the GPSSA of any reason that may lead to suspension of the pension or redistribution among the remaining beneficiaries. Such reasons include decease, employment, and the marriage of daughters and sisters.
Yes, it is permissible for him to return to work.
Yes, they will contribute again if their age is less than 60.
The gratuity or lump-sum payment is treated the same as a salary.
Yes, they can combine the pension and salary without limits if their service period reaches 25 years in the government sector.
They shall be deprived of the pension or gratuity, depending on the circumstance
Yes, it is possible. For example, the widow may combine her personal pension with her share of her husband’s pension.
The higher pension shall be distributed among the beneficiaries.
They combine both pensions, as each is from a different retirement fund.
One year
If the insured became entitled to an endofservice gratuity and then passed away before receiving it, it shall be distributed among the beneficiaries according to their eligible shares in the pension. However, if there are no beneficiaries, it shall be distributed according to the provisions of inheritance in Islamic Sharia.
The gratuity is due for one year and one month, as a part of a month is rounded up to a full month.
In such cases, the beneficiaries receive the full pension amount without deduction.
If the service of the Insured ends without entitlement to a pension in accordance with the provisions of the Law.
Service Period | Due Gratuity |
1 - 5 years | 1.5 months' salary for each year |
Next 5 years | 2 months' salary for each year |
Exceeding 10 years | 3 months' salary for each year |
The mother’s share of the son’s pension shall cease if she marries or becomes employed.
The difference shall be paid from the pension up to the limit of his pension share.
Her pension shall cease upon marriage
Employment with an entity registered with the GPSSA, provided that the salary from employment is equal to or exceeds her share of the pension
In such case, the pension amount is distributed equally.
The widow is entitled to her share of the pension if her marital relationship continued until the death of her husband
Compensation of AED 75,000 is granted to the insured in case of total disability and is payable to the heirs in case of his/her decease.
From the day following the date of termination of service due to a decease or termination of service because of a total disability.
A beneficiary is considered the heir to an insured individual or pensioner. If certain conditions specified by the law are met, the beneficiary and/or heir is entitled to receive a share of the insured or pensioners pension if and when dead/deceased.
Position | Two Years in Office | One Full Legislative Term |
Prime Minister / Deputy / Minister / Equivalent Officials | Pension equal to 100% of the pension account salary | |
- Speaker of the Federal National Council - Deputy to the Speaker - Controller - Member | - | Pension equal to 100% of the pension account salary |
Note: The contribution account salary of the spokesperson of the Federal National Council is the same as the contribution account salary, and for the members it is the membership allowance.
100% of the pension account salary.
AED 10,000 per month.
If the injury results in decease or total disability, regardless of the length of service.
What if the service period exceeds 35 years?
It is granted if the Insured’s service ends due to natural decease and is distributed among the legal heirs. Its amount is AED 60,000.
In the Government Sector: It is the average contribution account salary for the last three (3) years of service, meaning the sum of contribution account salaries over three years divided by 36.
In the Private Sector: It is the average contribution account salary for the last five (5) years of service. That is, the sum of contribution account salaries over five years divided by 60.
In the table below, the entitlement percentages from the average are shown.
Service Period | 15 | 20 | 25 | 30 | 35 |
Entitlement Percentage | 60% | 70% | 80% | 90% | 100% |
It is a hypothetical period granted by law, purchased for financial consideration, and is merged to the actual service period of the insured with the aim of improving the pension percentage upon retirement.
It is permissible if he/she has completed fifteen (15) years of actual service, subject to the purchase conditions.
Purchase is limited to a service period and not to age.
The endofservice gratuity is disbursed to the insured who requests "nondisbursement for merge purposes" upon their decease, if they reached the retirement age or if they recall their request, provided that these events occur before the completion of the merge request procedures.
The obligation to pay instalments shall be extinguished if the insured’s service ends by death, provided that at least fifty percent (50%) of the total due cost has been paid; if less than 50% has been paid, the remaining balance up to that percentage shall be deducted from the pensions of the beneficiaries. The insured’s obligation to pay the instalments of merging shall be extinguished if his/her service ends by death, if he/she has paid fifty percent (50%) of the total cost of addition. If less than 50% has been paid, the remaining balance up to that percentage shall be deducted from the pensions of the beneficiaries.
Yes. He/she shall be subject to the Law from the date of acquiring nationality and may add his/her previous service periods as any Insured in accordance with the merge provisions.
Yes, the Insured may pay the cost of the merge either in a lump sum or in monthly instalments over ten (10) years, provided that the monthly instalment is not less than onequarter of the contribution account salary, and the cost must be fully settled before the end of his/her service period or before reaching the age of 60, whichever occurs first.
The merged service periods shall be calculated corresponding to the amounts actually paid.
The insured may benefit from the “Shourak” service, which allows the insured whose service ends and who is entitled to an endofservice gratuity to choose not to receive the gratuity in order for that service to be considered continuous and connected with his/her subsequent service without bearing the cost of its addition.
The existence of a previous service period for which the insured person received an endofservice gratuity, then added to their current period of service.
The insured bears the cost of merging, which amounts to their share and the employer's share of contributions for the periods intended to be merged. This cost is calculated based on the Contribution Account Salary at the date of submitting the merge request.
The employer must register the employee with the GPSSA within (30) days from the date of their joining service.
The employer must provide the GPSSA with names of the insured employees whose service has ended within a maximum of one month from the date of termination of their service.
The violation shall be applied as follows:
The employer shall be penalized with a fine of AED 5,000 for each Insured individual.
An additional amount equal to (10%) of the value of the contributions due.
Contributions are paid to the GPSSA for the entire month in which the service begins and are not due for the portion of the month in which the service ends.
The primary employer remains obligated to pay contributions without any deductions as long as the insured individual is a contributor and works for the entity to which they are seconded, without any amendment to the registration file. The contributions paid by the seconded employer are collected in coordination with the original employer.
The employer shall be liable before the GPSSA for an additional amount calculated at 0.1% (onetenth of one percent) of the value of the overdue contributions for each delayed day without warning or notification. In all cases, the additional amount should not exceed the value of the due contributions.
In this case, the employer becomes obligated to pay an additional amount of ten percent (10%) of the value of the due contributions, without prior notice or warning.
If the Insured’s salary is increased and such increase is applied retroactively to cover a period preceding the employer’s decision, the employer is obliged to pay the difference in contributions resulting therefrom to the GPSSA.
Contributions are paid based on the contribution account salary.
Sector | Employer | Insured | Government Support | Total |
Government Sector | 15% | 5% | - | 20% |
Private Sector | 12.5% | 5% | 2.5% | 20% |
Sector | Maximum | Minimum |
Government Sector | AED 300,000 | NA |
Private Sector | AED 50,000 | AED 1,000 |
& AED 300,000
The date of enforcement of Law No. 7 of 1999 was set two months after its publication in the Official Gazette, Issue No. (331), dated 28 February 1999, while its enforcement date for the private sector was set six months after its publication.
A UAE national to whom the provisions of Federal Law No. 7 of 1999 regarding pension and social security and its amendments apply, whether male or female, whereby he or she becomes insured with the GPSSA, and is entitled to all insurance, pension and gratuity benefits.
Yes, the employer may reclaim any amounts they paid to the GPSSA that exceed the required contributions, but under condition that they claim them within two years from the date of payment.
Before a rights holder can go to court, they must first appeal the pension or gratuity decision to the Insurance Appeals Committee formed by the Board of Directors, and this must be done within five years of becoming entitled to the pension or endofservice payment. This means the committee must be petitioned before taking legal action against the employer, and the appeal has a fiveyear deadline.
In such case, the employer shall be subject to a fine not exceeding AED 50,000.
Yes, it is permissible to return to work if he/she is not over the age of 60.
Only the share with the greater pension value is disbursed to the beneficiary. Receiving two shares is not allowed.
If the Insured’s salary is increased and such increase is applied retroactively to cover a period preceding the employer’s decision, the employer is obliged to pay the difference in contributions resulting therefrom to the GPSSA.
The employer shall be liable to pay an additional amount of AED 200 for each day delayed, multiplied by the number of Insured individuals.
Any data requested for the purposes of verifying the contribution rates for the insured.
Only the share with the greater pension value is disbursed to them. Receiving two shares is not allowed.
Yes, a widow may combine her personal pension share with that of her husband’s pension share.
To ensure the continuation of pension payments, pensioners and beneficiaries or their agents must notify the GPSSA of any reason that may lead to suspension of the pension or redistribution among the remaining beneficiaries. Such reasons include decease, employment, and the marriage of daughters and sisters.
Yes, it is permissible for him to return to work.
Yes, they will contribute again if their age is less than 60.
The gratuity or lump-sum payment is treated the same as a salary.
Yes, they can combine the pension and salary without limits if their service period reaches 25 years in the government sector.
They shall be deprived of the pension or gratuity, depending on the circumstance
Yes, it is possible. For example, the widow may combine her personal pension with her share of her husband’s pension.
The higher pension shall be distributed among the beneficiaries.
They combine both pensions, as each is from a different retirement fund.
One year
If the insured became entitled to an endofservice gratuity and then passed away before receiving it, it shall be distributed among the beneficiaries according to their eligible shares in the pension. However, if there are no beneficiaries, it shall be distributed according to the provisions of inheritance in Islamic Sharia.
The gratuity is due for one year and one month, as a part of a month is rounded up to a full month.
In such cases, the beneficiaries receive the full pension amount without deduction.
If the service of the Insured ends without entitlement to a pension in accordance with the provisions of the Law.
Service Period | Due Gratuity |
1 - 5 years | 1.5 months' salary for each year |
Next 5 years | 2 months' salary for each year |
Exceeding 10 years | 3 months' salary for each year |
The mother’s share of the son’s pension shall cease if she marries or becomes employed.
The difference shall be paid from the pension up to the limit of his pension share.
Her pension shall cease upon marriage
Employment with an entity registered with the GPSSA, provided that the salary from employment is equal to or exceeds her share of the pension
In such case, the pension amount is distributed equally.
The widow is entitled to her share of the pension if her marital relationship continued until the death of her husband
Compensation of AED 75,000 is granted to the insured in case of total disability and is payable to the heirs in case of his/her decease.
From the day following the date of termination of service due to a decease or termination of service because of a total disability.
A beneficiary is considered the heir to an insured individual or pensioner. If certain conditions specified by the law are met, the beneficiary and/or heir is entitled to receive a share of the insured or pensioners pension if and when dead/deceased.
Position | Two Years in Office | One Full Legislative Term |
Prime Minister / Deputy / Minister / Equivalent Officials | Pension equal to 100% of the pension account salary | |
- Speaker of the Federal National Council - Deputy to the Speaker - Controller - Member | - | Pension equal to 100% of the pension account salary |
Note: The contribution account salary of the spokesperson of the Federal National Council is the same as the contribution account salary, and for the members it is the membership allowance.
100% of the pension account salary.
AED 10,000 per month.
If the injury results in decease or total disability, regardless of the length of service.
What if the service period exceeds 35 years?
It is granted if the Insured’s service ends due to natural decease and is distributed among the legal heirs. Its amount is AED 60,000.
In the Government Sector: It is the average contribution account salary for the last three (3) years of service, meaning the sum of contribution account salaries over three years divided by 36.
In the Private Sector: It is the average contribution account salary for the last five (5) years of service. That is, the sum of contribution account salaries over five years divided by 60.
In the table below, the entitlement percentages from the average are shown.
Service Period | 15 | 20 | 25 | 30 | 35 |
Entitlement Percentage | 60% | 70% | 80% | 90% | 100% |
It is a hypothetical period granted by law, purchased for financial consideration, and is merged to the actual service period of the insured with the aim of improving the pension percentage upon retirement.
It is permissible if he/she has completed fifteen (15) years of actual service, subject to the purchase conditions.
Purchase is limited to a service period and not to age.
The endofservice gratuity is disbursed to the insured who requests "nondisbursement for merge purposes" upon their decease, if they reached the retirement age or if they recall their request, provided that these events occur before the completion of the merge request procedures.
The obligation to pay instalments shall be extinguished if the insured’s service ends by death, provided that at least fifty percent (50%) of the total due cost has been paid; if less than 50% has been paid, the remaining balance up to that percentage shall be deducted from the pensions of the beneficiaries. The insured’s obligation to pay the instalments of merging shall be extinguished if his/her service ends by death, if he/she has paid fifty percent (50%) of the total cost of addition. If less than 50% has been paid, the remaining balance up to that percentage shall be deducted from the pensions of the beneficiaries.
Yes. He/she shall be subject to the Law from the date of acquiring nationality and may add his/her previous service periods as any Insured in accordance with the merge provisions.
Yes, the Insured may pay the cost of the merge either in a lump sum or in monthly instalments over ten (10) years, provided that the monthly instalment is not less than onequarter of the contribution account salary, and the cost must be fully settled before the end of his/her service period or before reaching the age of 60, whichever occurs first.
The merged service periods shall be calculated corresponding to the amounts actually paid.
The insured may benefit from the “Shourak” service, which allows the insured whose service ends and who is entitled to an endofservice gratuity to choose not to receive the gratuity in order for that service to be considered continuous and connected with his/her subsequent service without bearing the cost of its addition.
The existence of a previous service period for which the insured person received an endofservice gratuity, then added to their current period of service.
The insured bears the cost of merging, which amounts to their share and the employer's share of contributions for the periods intended to be merged. This cost is calculated based on the Contribution Account Salary at the date of submitting the merge request.
The employer must register the employee with the GPSSA within (30) days from the date of their joining service.
The employer must provide the GPSSA with names of the insured employees whose service has ended within a maximum of one month from the date of termination of their service.
The violation shall be applied as follows:
The employer shall be penalized with a fine of AED 5,000 for each Insured individual.
An additional amount equal to (10%) of the value of the contributions due.
Contributions are paid to the GPSSA for the entire month in which the service begins and are not due for the portion of the month in which the service ends.
The primary employer remains obligated to pay contributions without any deductions as long as the insured individual is a contributor and works for the entity to which they are seconded, without any amendment to the registration file. The contributions paid by the seconded employer are collected in coordination with the original employer.
The employer shall be liable before the GPSSA for an additional amount calculated at 0.1% (onetenth of one percent) of the value of the overdue contributions for each delayed day without warning or notification. In all cases, the additional amount should not exceed the value of the due contributions.
In this case, the employer becomes obligated to pay an additional amount of ten percent (10%) of the value of the due contributions, without prior notice or warning.
If the Insured’s salary is increased and such increase is applied retroactively to cover a period preceding the employer’s decision, the employer is obliged to pay the difference in contributions resulting therefrom to the GPSSA.
Contributions are paid based on the contribution account salary.
Sector | Employer | Insured | Government Support | Total |
Government Sector | 15% | 5% | - | 20% |
Private Sector | 12.5% | 5% | 2.5% | 20% |
Sector | Maximum | Minimum |
Government Sector | AED 300,000 | NA |
Private Sector | AED 50,000 | AED 1,000 |
& AED 300,000
The date of enforcement of Law No. 7 of 1999 was set two months after its publication in the Official Gazette, Issue No. (331), dated 28 February 1999, while its enforcement date for the private sector was set six months after its publication.
A UAE national to whom the provisions of Federal Law No. 7 of 1999 regarding pension and social security and its amendments apply, whether male or female, whereby he or she becomes insured with the GPSSA, and is entitled to all insurance, pension and gratuity benefits.
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