Glossary
| Beneficiary | Individual or individuals entitled to a share of the pension after the death of an insured individual or pensioner. |
| Employer | A federal, local governmental, or private entity/company, establishment, or business that hires Emiratis for their services. |
| End of Service | Refers to the end-of-service benefits/award that the contributor is entitled to at the end of his/her service period with an employer/entity. |
| Insurance Benefits | The benefits that are entitled to pensioners and contributors as per the provisions of the law, mainly the end-of-service benefits and pension. |
| Insurance Protection Extension System (for GCC nationals) | This system enables a Gulf national working outside of his/her own country, yet still employed in a GCC country, to enjoy insurance protection as if he/she were working in their own home country. |
| Insured (Contributor) | An Emirati that is subject to the provisions of the federal law on pension and social security. |
| Pension Calculation Salary | The salary that is used to calculate the insurance benefits. |
| Pensioner | An Emirati who ends his/her service with an employer and is eligible for a monthly pension salary, according to the provisions of the law. |
| Professional | Emiratis whose profession relies upon their expertise such as doctors, engineers, accountants and any other profession that requires the issuance of a license from a specialized body. |
| Salary of Subscription Calculation | The salary that is used to calculate the contribution rate. |
| Self-Employed | This includes Emirati entrepreneurs who run commercial, industrial or agricultural activities. The law requires him/her to register in the commercial registration or any other applicable official record. |
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What periods may the Insured merge?
• Previous service periods with any employer subject to the provisions of the Federal Decree-Law
•Previous service period prior to acquiring the UAE nationality
•Previous service periods in any entity determined by the Cabinet
What are the conditions for an insured’s registration with the GPSSA?
• The individual must be a United Arab Emirates national
• The individual must be between the ages of 18 to 60
• The individual must be medically fit to work upon appointment, as evidenced by an approved medical report
• He/she must work for an employer subject to the provisions of the law applied by the GPSSA
If a pensioner from the GPSSA returns to work, and their pension disbursement was suspended because their salary was greater than the pension amount, and they contribute again under the provisions of the law, how will their service be settled in the future if they leave work?
· If they become entitled to a pension for their subsequent service period, they shall be disbursed the larger of the two pensions, whether it's the one they are entitled to for their previous service period or for their subsequent service period
· If they become entitled to a gratuity for their subsequent service period, the gratuity shall be disbursed to them, and the suspended pension shall be reinstated for disbursement
If an employer paid excess amounts to the GPSSA, is there a specific period within which they have the right to claim them back?
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.
Is there a mechanism that the Insured, Pensioner, Beneficiary, or any interested party must follow to claim their rights and have reconsidered before resorting to litigation?
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 end-of-service payment. This means the committee must be petitioned before taking legal action against the employer, and the appeal has a five-year deadline.
