Frequently Asked Questions (FAQs) Booklet
The Governmental Sector:
The Private Sector:
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.
- 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)
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
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.
- If a special vacation is given to accompany a diplomat
- If a special vacation is given to accompany a scholar enjoying scholarship vacation.
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.
Pension shall be payable in this case to beneficiaries of the insured heirs and no conditions expressly provided in the Law in relation to certain period of service for pension entitlement where the insured registration or contribution to the Authority shall be sufficient.
In addition to pension, a death compensation for AED 60.000 shall be paid.
- When the insured reaches the age of sixty years.
- Pension shall be payable if the insured has completed 15 years in service.
- 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.
- 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.
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.
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
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.
- Governmental sector: average of Contribution Calculation Salary for the last 3 years of service (i.e. total Contribution Calculation Salaries through 3 years divided by 36).
- Private sector: average of Contribution Calculation Salary for the last 5 years of service (i.e. total Contribution Calculation Salaries through 5 years divided by 60).
- 60% x Pension Calculation Salary = pension for 15 years of service.
- 2% of Pension Calculation Salary for each year after 15 years of service.
Example: 20 years of service, average of Pension Calculation Salary is (AED 25.000)
Pension rate: 60% for the 15 years of service
+ 10% for the 5 additional years
70% x AED 25.000 = AED 17.500
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.
It means the pension that the individual is entitled to, known also as eligible or designated pension from a certain date.
work injuries are:
Death resulting from work stress and exhaustion.
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).
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
End of Service Remuneration shall be calculated as follows:
Example: An insured worked for 11 years in a governmental authority and his average Pension Calculation Salary was AED 20.000 during the last three years of his service.
1.5 x 20.000 x 5 = AED 150.000
2 x 20.000 x 5 = AED 200.000
3 x 20.000 x 1 = AED 60.000
Total due gratuity = AED 410.000
Yes, there is a minimum limit to the share of beneficiaries where if this share is less than the said limit, share shall be increased to it:
Distributing pension between two persons differs according to the eligible remaining one. If two children remain (two sons or a son and a daughter), they are eligible for the full pension, and if two widows eligible for pension, remain, they shall be entitled to 3/8 of the pension.
Basically, retirement pension does not decrease; because when any heir becomes ineligible for his/her pension share, the pension is redistributed, unless, for instance, the only eligible is a dead widow or a single dead son then the right in pension stops.
In case the wife (widow) died, or got married, after being eligible for a share in her husband’s pension, her share shall be equally divided among her sons and daughters eligible for pension. In case there are no sons or daughters, her share shall be equally divided among other widows present at the time of death. In case there isn’t any widow, the share shall return to GPSSA.
Yes, he is entitled provided that:
The son age, upon death, shall be less than 21 years and his share shall be discontinued when his age becomes 21 years old.
If the sun/daughter becomes employed, his/her share shall stop, and the pension shall be redistributed. So, if five children get 5/8 of the pension, the remaining four will get the same rate after one of them joins a work.
Exception: Payment of son share shall continue even if he reaches 21 years old in the following cases:
- Yes, she is entitled to pension provided that she is not married.
- Share discontinues in the following cases:
- Share may be restored in the following cases:
Note: If a person, retired due to total disability or non-fitness for work, returned to work, then his pension shall be cancelled.
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.
The insured shall have the right to apply for his previous service period according to the following conditions:
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.
- It can be paid in one lot.
- or on installment as follows:
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.
Service periods, which may be purchased, are 10 years for the female insured and 5 years for the male insured.
How purchase cost is paid:
- It can be paid in one lot.
Yes, he can add his previous service period, to which he received pension, to his new service period according to the following conditions:
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.
Yes, seizure may be applied according to the following conditions:
Each pensioner and beneficiary or their agent undertake to update their personal particulars annually through filling the annual acknowledgement as instructed by the Authority in the form of announcements with a view to ensure the legitimacy of continued payment of pensions. They shall keep the Authority informed of any reasons which may lead to suspend payment of pension once occurred or if the pensions were transferred from beneficiaries to others to avoid accumulation of any amounts which the Authority shall claim for in accordance with the Law. These reasons include:
Pensioner (the retired person)
Joining work for any authority in the state
Through this service, all customers may submit their complaints and suggestions that will be diverted to the concerned department.
Through this service, employers and contributors can request to get training on the laws and procedures of the General Pension and Social Security Authority (GPSSA).
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