Frequently asked questions

If an employer is closing, an employer should notify GPSSA and initiate the deregistration process through GPSSA's online Employer Portal.

Please note, once approved, any authorized representative(s) associated with the employer will no longer be able to access or avail GPSSA's online services.

All GCC nationals working in the UAE must be registered with GPSSA. Please note that all GCC nationals are covered by the pension authority/fund in their home country. Further, whilst monthly contributions will be paid by an employer, they will be paid into the employee's local pension fund/authority.

Through GPSSA System including the required doucments

All Emiratis working in the Federal and Local Government and the Private sector (including those affiliated to freezones) in the UAE, except those working in the Government and Private sector in Abu Dhabi and those working in the Government sector in Sharjah who are covered by another pension authority/fund, must be registered with the GPSSA by their employer within one month of their joining date.

An insured can apply for Shorak through their Employer

Yes, self employed individuals of UAE Nationality can be insured

To deregister from GPSSA, an employer must:

- be registered and have an account on GPSSA's Employer Portal
- settle any pending obligations (e.g. outstanding contribution(s), outstanding penalty(ies)) due
- settle all end of service cases

Once an employer has been de-registered from GPSSA, any authorized representative(s) associated with the employer will no longer be able to access or avail any of GPSSA's online services.

Please note, any pending obligations (e.g., outstanding contribution(s), outstanding penalty(ies) due and any End of Service cases must be settled to enable the de-registration request to be processed by GPSSA.

The previous and the new employer are both responsbile for an insured transfer

Government sector Salary components to be considered include 5 elements: basic salary, housing allowance, social allowance, cost of living allowance, and child allowance - provided that the salary of subscription calculation of the insured does not exceed that of the Minister.

Private sector:
Salary components to be considered include total salary, including all allowances mentioned in the labor contract.

If an employer is closing, an employer should notify GPSSA and initiate the deregistration process through GPSSA's online Employer Portal.

Please note, once approved, any authorized representative(s) associated with the employer will no longer be able to access or avail GPSSA's online services.

To deregister an employer from GPSSA, an employer should submit one of the documents below to GPSSA, depending on the reason the employer is closing.

> Proof of Bankruptcy
> Proof of Liquidation
> Proof of Closure
> Proof of Dissolution
> Proof of Acquisition
> Restructuring Decree Human Resource Policy

Any employer that employs one or more Emirati national and operates in the government or private sector in the UAE, other than the government or private sector in Abu Dhabi or the government sector in Sharjah, and/or that employs one or more GCC national must be registered with GPSSA.

Additionally, any multinational private companies that are headquartered in Abu Dhabi should be registered with GPSSA alongside their branches (including those located in Abu Dhabi).

Multinational private companies that are headquartered in Abu Dhabi, such as Citibank, are subject to the Federal Pension Law, i.e., they should be registered with GPSSA as well as their other branches across the UAE (including those in Abu Dhabi).

Local entities that are headquartered in Abu Dhabi and that have branches all over UAE are subject to the Abu Dhabi Pension Law (e.g. First Abu Dhabi Bank).

The Government Sector: Ministries, public institutions, agencies, companies, and banks in which the federal government owns shares, as well as government authorities ( of Dubai, Sharjah, Ras Al Khaimah, Umm Al Quwain and Fujairah).

The Private Sector: Each natural or juridical person (sole proprietorship, office, company) employing Emirati nationals wherein the federal government is not a shareholder.

If the Medical Committee claims that a work-related injury has resulted in being unfit to work, disability or decease, the insured starts receiving a monthly pension payment the day after his/her service is terminated.

If a person is receiving a monthly pension payment as a result of being unfit to work or a disability decides to return back to work, the pension payment is cancelled and he/she will once again be covered by the UAE Pension Law an 'insured individual'.

An insured is entitled to receive 100 percent of the average pension calculation salary if proof has been submitted that his/her service has been terminated due to injury, disability or death for work-related purposes. This amount is equivalent to completing 35 years of employment service, regardless of the actual number of years of service completed by the insured.

Once confirmed by the Medical Committee, an insured individual with a partial disability due to a work-related injury is entitled to receive compensation.

The amount due is based on the severity/rate (%) of his/her work-related injury and/or disability, as confirmed by the Ministry of Health and Prevention Medical committee.

Hypothetical example:
If an insured person suffered a work-related injury, which resulted in the amputation of his/her finger and the Medical Committee categorized the injury as a partial disability, the insured individual receives 40 per cent of the total disability compensation amount available, which amounts to Dh75,000.

In such cases the insured is entitled to a compensation amount based on the following calculation:
40% x Dh75,000 = Dh30,000 (one-off payment)

An insured individual is entitled to start receiving a monthly pension salary under the following conditions:

§A medical report from a governmental/public hospital is submitted to the Ministry of Health and Prevention Medical Committee within six months of the work-related injury occurrence
§The Medical Committee confirms that the work-related injury resulted in being 'unfit to work' due to a health-related condition, disability or decease

Please note: An insured is entitled to receive Dh75,000 if proof has been submitted that his/her service has been terminated due to injury, disability or death for work-related purposes.
This amount is distributed in accordance to the provisions of the inheritance regulations as per the Islamic Sharia. Additionally, the individual's eligible beneficiaries receive a monthly pension amount as per the provisions of the UAE Pension Law.

As per the UAE Pension Law, only the Ministry of Health and Prevention Medical Committee can take a decision on the exact medical condition of the individual, and whether the incident resulted in partial or total disability.

The medical committee was formed by the UAE Ministry of Health to determine the disability rate or non-fitness level an individual may have suffered as a result of a work-related injury. The medical diagnoses must be in line with the provisions of the UAE Pension Law.

As per the UAE Pension Law, if an insured individual gets into an accident while travelling to-or-from-work or during working hours, or is involved in a work-related injury, an official investigation and report must be prepared by the concerned authority to release and disburse the respective benefit (compensation or pension benefit) to the injured insured or his/her legal heirs.

An insured individual is entitled to receiving compensation for a work-related injury, with exception to the following:
§An insured intentionally injures him/her self
§The injury occurred due to an obscene and intentional misconduct by the insured; e.g. an act carried out by the injured individual under the influence of alcohol, narcotics or psychotropic substances
§An intentional breach of the safety instructions displayed in clear locations at the workplace

Please note that the above occurrences must be proven through a detailed investigative report in agreement with relevant parties.

Only an employer/entity can submit a work-related injury compensation request to the GPSSA through the Employer Portal.

Alongside the request, the employer must submit the following documentation:
§A work injury investigative report
§A medical report from a governmental/public hospital within six months of the workplace injury
§An attendance report specifying the date of injury
§The insured individuals IBAN certificate

Please note: The insured individual to whom the request pertains must be employed by the entity that has placed the request, in order to receive the requested compensation.

If an insured individual (UAE national employee) finds out that they are not registered with GPSSA, as per the requirement of the pension law, he/she should immediately:
1.Request his/her employer to register him/her with GPSSA
2.Report and explain this issue to GPSSA, if he/she has not been registered with GPSSA within one month of his/her joining date, and submit relevant supporting documentation (e.g., employment contract/decree)

As per the pension law, an employee and his/her employer must pay contributions from the day an employee started employment with the respective employer. Accordingly, if a new employee has been registered late and a contribution payment(s) has not been made, all parties should pay their share for the service period not yet paid.

Please also note, as per the pension law, an employer will incur a penalty/fine for any overdue contribution payment(s), and any period not paid for will be deducted from an individual's total service period.

As per the UAE Pension Law, a work-related injury is considered an injury that is caused due to an accident that occurred during or 'due-to-work-related purposes' and has resulted in an employee's occupational illness; in addition to decease as a result of work-related stress or exhaustion, as found applicable in par with the conditions and regulations issued by the Minister in agreement with the Ministry of Health. An accident that occurs during an employee's commute to-and-from work is also considered a work-related injury.

To register a new employee with GPSSA, an employer should submit the following documents to GPSSA:

-Employment contract/decree (signed by both employer and employee)
-Medical fitness certificate
-Proof of acquired nationality (if applicable)
-Proof of salary details (Federal and Local Government employer)

To be considered 'insured', an individual must:

1-be a UAE national that works for an employer/entity in the UAE other than the government or private sector in Abu Dhabi or the government sector of Sharjah
2-have a valid Emirates ID
3-work for an employer/entity that meets the conditions and is subject to the provisions of the Federal Pension Law
4-be deemed medically fit to work upon appointment
5-not be self-employed
6-not be covered by a pension fund that is affiliated with the military or the Ministry of Interior

To confirm that an individual has been registered with GPSSA, the Authority can issue an insurance number once an employee has been registered successfully with GPSSA.

Please note, an employee should confirm with his/her employer that the registration process has been successfully completed within one month from his/her joining date.

All Emiratis working in the Federal and Local Government and the Private sector (including those affiliated to freezones) in the UAE, except those working in the Government and Private sector in Abu Dhabi and those working in the Government sector in Sharjah who are covered by another pension authority/fund, must be registered with the GPSSA by their employer within one month of their joining date.

All GCC nationals working in the UAE must be registered with GPSSA. Please note that all GCC nationals are covered by the pension authority/fund in their home country. Further, whilst monthly contributions will be paid by an employer, they will be paid into the employee's local pension fund/authority.

An employer must register a new employee with GPSSA within one month of the employee's joining date and ensure that monthly contributions are being made as per the requirement of the pension law.

If a new employee has not been registered with GPSSA within one month of his/her joining date and monthly contributions are not being paid, GPSSA has the right to impose a penalty/fine on the employer, as per the provision of the law.

It is therefore of paramount importance that UAE nationals are fully aware of GPSSA's registration and monthly contribution requirements, and to immediately alert GPSSA if their employer has not registered them or is not paying a monthly contribution amount.

Please note, an employee should confirm with his/her employer that the registration process has been successfully completed within one month from his/her joining date.

Any outstanding payment(s) that are due to the GPSSA by either an employer or the insured should be settled with the GPSSA so that the insured's service period is not impacted. Please note that an outstanding payment may include an outstanding contribution amount or an outstanding merge years payment.

GPSSA was established in accordance with Federal Law No. 6 of the year 1999 to apply pension and retirement benefits to Emiratis working in the Federal, Local Government and Private sectors across the UAE (including those affiliated to free zones), except for those Emiratis working in the Government and Private sectors of Abu Dhabi and the Government sector of Sharjah.

An employer must submit the request through GPSSA's Employer Portal and submit the documents below:

> Transfer request letter
> Transfer acceptance letter
> Transfer letter

The following procedures apply to insured individuals who were previously covered by the GPSSA and are transferring to another pension authority / fund:

1- The insured's current employer must be registered and have an account on GPSSA's Employer Portal
2- The insured individual to which the service request relates must be registered and have an account on GPSSA's Member Portal, and have an up-to-date and complete profile on GPSSA's Member Portal
3- Any payment(s) due by an insured's employer and/or an insured must be settled with the GPSSA so as not to impact an insured's service period

Please note: Once the service request is approved, the point of contact at the other pension authority / fund will receive an email notification.

Yes. An insured individual can submit another purchase service period request through the MA'ASHI platform. However, please note that the cost to purchase a service period will be considered and be calculated based on an insured's contribution salary at the time at which the new application is submitted.

A service request to transfer and register an insured individual who is currently working for an organization that is covered by the GPSSA, and who was previously registered under another pension authority / fund (e.g. Abu Dhabi Pension Fund).

If an insured individual passes away and the total cost to purchase a service period was not been settled with GPSSA, the pending amount due will be deducted from the insured's beneficiary(ies)

Yes, the insured can request the cancellation of a purchase order for a service to be paid to the Authority through the" Pension "platform."
Please note:
- The insured person will be required to include the reason for cancellation on the platform.
- If the request for the purchase of the legal service is cancelled, the period of service paid will be added to the service calculated in the pension account.
- If a payment claim is in progress, the claim must be processed prior to the submission of the cancellation request. "

If the cost to purchase a service period is to be shared by an individual and his/her employer, the amount due should be agreed between both parties. However, by default the digital platform will display the amount to be paid by each party as 50% of the total cost to purchase a service period. The value due by each party can be edited and will be subject to employer approval.

If the cost of purchasing the nominal service period is supposed to be shared between the insured and the employer, the amount due must be agreed upon between the two parties. However, the MA'ASHI platform will automatically display the amount that each party has to pay as 50% of the total cost of purchasing the service period. The amount due can be modified by each party and will be subject to approval by the employer.

Insured: An insured individual can choose to settle his/her share of the payment through:
§a one-time payment
§An advance payment and the remaining payment due in monthly installments

Employer: An employer can only settle their share of the payment through a one-time payment.

Yes, the insured must pay 50% of the total purchase cost as an advance payment, and the rest is paid in monthly installments so that it is not less than a quarter of the contribution salary for a period of 48 months or until the insured reaches the age of 60.

If an employer declines to share the cost associated with a purchase service request placed by an individual on the portal, the purchase service request that has been placed with GPSSA will auto-cancel.

If an individual's service ends and a payment(s) for a purchase service period request is still pending, only the service period that has been paid for will contribute and count toward an insured's total service period, and the remaining period for purchasing a legal period will be cancelled.

Yes, the insured must pay 50% of the total purchase costs as an advance payment, and the rest is paid in monthly installments over a period of 48 months, noting that the installment value is not less than a quarter of the contribution salary or until the insured reaches the age of sixty.

If an employer agrees to pay for a purchase service period request that has been placed by an individual with GPSSA, the employer can only settle their share of the payment through a one-time payment.

The cost of purchasing a service period is calculated based on the insured's contribution salary at the time the application is submitted, multiplied by the number of months and days that the insured wishes to purchase.

The cost to purchase a service period can be paid by:
§An insured individual
§An individual's employer
§An insured individual and an insured individual's employer

Further, the payment can be made as follows:

Insured: An insured individual can choose to settle a payment through:
§a one-time payment
§paying an advance payment of 50 per cent of the total costs and the remaining installments on monthly basis

Employer: An employer can only settle a payment through a one-time payment.

Insured: An insured individual can only pay the cost to purchase a service period through Direct Debit

Employer: An employer can pay the cost to purchase a service period through:
§Direct Debit
§Fund Transfer System (FTS)

Only an insured individual who meets the required conditions can raise a purchase service period request, and any request should be raised through the MA'ASHI Platform.

However, the cost associated with purchasing a service period can be paid by:
§An insured individual
§An insured individual's employer
§An insured individual and an insured individual's employer

Please note: if the cost to purchase a service period is to be split between an insured and his/her employer, details pertaining to the purchase service period request will be shared with the employer for their approval.

The maximum service period an insured individual can purchase is ten (10) years if the individual is female and five (5) years if the individual is male.

The cost to purchase a service period is computed on the basis of an insured individual's contribution salary at the time of the request to purchase a service period is placed, multiplied by the number of months and days the insured individual wishes to purchase.

Purchasing a nominal service period refers to buying a non-actual service period from GPSSA. However, please note, this non-actual service period is considered to be actual years of service as per the Pension Law, and the service years purchased can be added to an insured individual's actual service period to increase his/her salary pension rate.

To purchase a nominal service period, the following conditions must be met:
•The insured must be active and registered with the GPSSA
•The insured must be registered and have an account on the MA'ASHI digital platform in order to be able to place the purchase service period request
•The insured must have completed 20 years of service. This may include a merged period for which the payment has made in advance
Please note:
1.It is advisable that an insured always has an up-to-date profile on the MA'ASHI platform to place a purchase service request more easily
2.The period an insured individual can purchase cannot exceed 5 years for a male insured member and 10 years for a female insured member
3.It is not possible to submit a purchase request for a legal period after the end of service date for the current service
4.It is not possible to pay the costs incurred for a purchase order for a legal period after the end of service date

Yes, as an outcome of the Benefits Exchange - Inward service, an insured's previous service period which was covered by a pension authority/fund - other than GPSSA, will auto-merge with the new service period that will be covered by GPSSA, to enable an insured's service period to be considered continuous.

Please note however, the cost of this will be shouldered by the previous pension authority/fund and the employer (if applicable) that the insured was previously associated with. Payment must be made in full to GPSSA for the service request to be approved by GPSSA.

Yes, all payments have to be received by GPSSA or the Benefits Exchange - Inward service request will not be approved by GPSSA.

An insured's employer must submit a Benefits Exchange - Inward request through GPSSA's Employer Portal and submit the documents below:

> Transfer request letter
> Transfer acceptance letter
> Transfer decision letter
> Employment contract/decree
> Certificate from the pension authority

To register an insured that was previously covered by another pension authority/fund with GPSSA:
1. The insured's current and future employer must be registered and have an account on the GPSSA's Employer Portal
2. The insured individual to which the service request relates to must be registered and have an account on GPSSA Member Portal and have an up-to-date and complete profile on the portal
3. Any payment(s) due from the pension authority/fund from and/or from the insured's new employer (if applicable) must be received by GPSSA for the Benefits Exchange - Inward request to be approved by GPSSA

A service request to register an insured individual that was previously employed by an organization that was covered by a pension authority/fund - other than GPSSA (e.g., Abu Dhabi Pension Fund) with GPSSA.

The insured shall consist of a pensioner who shall apply for a pension service within one year of the date of appointment in the new entity.

The cost of merge service and purchase service are calculated as follows: (subscription account salary * monthly deduction ratio according to the law subject to the insured * duration)

An additional amount is charged to the employer based on the text of Article No. (14) Federal Law No. 7 of 1999 and Article No. (11) Clause (4) of Federal Law No. (57) of 2023, which states that "the employer shall be obliged to supply his or her share and the insured person's share of the contributions due to the Authority and in case of delay in payment thereof shall be obliged to pay an additional amount in the amount of (0.1%) of contributions due for each delay day without the need for warning"

The contributions due from the insured are calculated according to the income bracket and the specific contribution rate by age group as shown in the following tables:

PLEASE ATTACH THE TABLE PROVIDED IN EMAIL

The pension rate is 70% of average pension calculation value

The insured does not recover the amount but the end-of-service bonus is paid for the period of the insured's subscription

If the pensioner has spent 25 years or more in the public sector and the reason for the pension's termination is article 16, paragraph (6), (11), of the Law on Grounds of Separation, he shall not be entitled to combine pension with salary.

The case is transferred to the Inspection Department within Customer Happiness Centre in GPSSA

Yes. An insured individual can submit another merge service period request through GPSSA’s Digital Platform. However, please note that the cost to merge a service period will be considered and be calculated on the basis of the individual’s contribution salary at the time at which the new request is placed.

- Under Law (7) of 1999, the insured person must have completed 20 years of service. The man is entitled to purchase 5 years of legal service, and the woman is entitled to purchase 10 years of legal service.
- Under Act No. 57 of 2023, the insured person shall be entitled to 25 years' active service and a woman and man shall be entitled to purchase 5 years' legal service.

If the pensioner has spent an actual period of service of 25 years and more in government work such as (Ministry of Labour, Health, Education, Local Sector etc.), he may combine pension and salary without limits. (The duration of the private sector is not considered to be a period of employment in the government sector and is excluded from the period of service.)

Yes, an insured individual can request to cancel a remaining payment(s) that is due to GPSSA for a merge service period request and has been approved by GPSSA on the MA’ASHI platform. However, please note the following:

 The insured will be requested to include the reason for cancelling on GPSSA’s MA’ASHI platform
 If a merge service request is cancelled, only the service period(s) that has been paid for will be added and contribute toward an individual’s total service period
 If a payment claim is in progress, the claim must be processed before a cancellation request can be submitted

Yes. If the insured and the employer agree to share the cost of adding a previous period(s) of service, the employer must approve the service request before the individual makes any payments.

If the employer refuses to share the cost of merging service years with an insured person, the previous service merge application submitted to the GPSSA will be automatically cancelled.

If the insured dies and pays less than 50% of the total merge costs payable, the remaining amount of this percentage will be deducted from the monthly amount that the beneficiary(s) will receive from the pension.

If the insured chooses to pay the cost of adding a previous period(s) of service in monthly installments, the following applies:

• Payment must be made on monthly basis, and the payment date will be the date by which the insured is granted approval to merge
• The maximum installment period is 48 months.

In addition to the above, all due payment must be made before the insured reaches the age of 60*

In all cases, the cost of merging must be paid before the end of the service, otherwise the period will be settled against what has been paid and the remaining period will be cancelled.

Please note:
The insured over the age of 60 may request to combine a previous service period(s) with a current service period, provided that the total costs are paid in one payment only.

No, there is no minimum down payment. However, a default value will be displayed on the MA’ASHI platform, and the insured can adjust this value based on his/her preferences, and the remainder will be paid on monthly installments so that it is not less than a quarter of the contribution account salary on the date of submitting the application, as long as the period does not exceed four years or until the insured reaches the age of 60.

The insured may choose to pay the total costs of adding a previous service incurred according to the following options:
• Payment of costs in one lump sum
• Pay the total costs in monthly instalments
• Make an advance payment and install the remainder in monthly installments

However, a business owner can only pay his share in one payment.

Yes, the minimum monthly payment must not be less than 25% of the insured's contribution account salary.
Please note:
The last due installment may be less than 25% based on the total add-on cost and this is acceptable by the GPSSA.

The insured can pay the cost of merging a previous service period(s) with the current service period in three ways:
• Pay costs in one lump sum.
• Pay total costs in monthly instalments.
• Make an advance payment and pay the remaining amount in monthly installments.
Note: If the insured and the employer agree to share the cost, or the employer agrees to pay the total cost, the employer can only pay his share for one time, and the application for conjoining must be submitted before the end of the current service and the costs incurred by him in favor of the conjoining must be paid before the date of the end of service, otherwise the period will be settled against what has been paid only and the remaining period will be cancelled.

Employer: The employer can choose to pay through:
(1) The UAE Direct Debit System provided by the Central Bank of the United Arab Emirates
(2) FTS Money Transfer System.
The Insured: The insured can only pay through the UAE Direct Debit System provided by the Central Bank of the UAE.

The cost of adding a previous service period (extended periods) is calculated according to the contribution account salary of the insured on the date of submitting the merge application request (in months and days), provided that the insured’s share and that of the employer are paid to the contribution account salary (20% of the contribution account salary)

The insured person shall pay his or her share and the employer's share of the duration to be included according to the salary of the contribution account at the date of submission of the application for annexation, if the employer agrees to pay a portion of the cost of annexation of the insured person or the total cost incurred.
- Total reimbursement by the insured
- Cost breakdown between insured person and employer
- Reimbursement of total costs by the employer

Note: If the cost of joining the period of service is divided between the insured and the employer, details regarding the application for the period of service of the merger will be shared with the employer for his or her approval.

Yes, it is possible to add a period of less than a year provided that the insured has paid his/her due contributions to the GPSSA.

Yes, that is possible, however the previous employment period(s) covered by another pension fund (e.g. the Abu Dhabi Pension Fund) must be registered on GPSSA’s digital platform, and a request to merge previous services must be granted an approval by the GPSSA.

No, combining one or more previous service period(s) with the current service period is optional. More specifically, when requesting to merge services, the insured can choose whether he/she wishes to combine all previous service periods or parts of a specific service period(s) with his/her current employment period.

Only an insured individual that meets the required conditions can raise a merge service period request in GPSSA’s platform.

However, the cost to merge a service period can be paid by:
 an insured individual
 an insured individual’s employer or
 an insured individual and an insured individual’s employer

Please note that if the cost to merge a service period(s) is to be split between an insured and his/her employer, details pertaining to the merge service period request will be shared with the employer for their approval.

Merging a previous service period(s) with a current service period increases the insurance benefit an insured individual will receive - e.g. end-of-service benefit or the monthly retirement pension.

It is always advisable to add the previous service period when starting a new job, as the cost to merge service is calculated on the basis of an insured individual’s contribution salary at the time the request is placed, and over time, it is likely that an individual’s contribution salary will increase, which will in-turn increase the cost to merge a service period(s).

Any outstanding payment(s) due to GPSSA by an employer will be flagged by the system and the current employer will be given 5 days to make the outstanding payment (e.g., an outstanding contribution payment). If no payment is made within 5 days, the insured’s service period will be impacted accordingly (the service period for which the contribution isn’t made will be deducted from total service period). However, the transfer request will be processed.

If a payment by insured to GPSSA is outstanding (e.g., merge or purchase), the transfer request will be processed without affecting the payment of the service as the end of service is not being applied. The insured can continue paying the outstanding amount even after the transfer request is processed.

Merging service periods entails adding the previous service period/s spent working by the insured with an employer registered with the GPSSA or another pension fund/authority to the current service, while calculating these periods within the current employment period in order to increase insurance benefits such as the end-of-service gratuity or the retirement pension.

In order to merge a previous service period(s), the following conditions must be met:
 To be employed and registered with the GPSSA
 He must have an account on GPSSA’s MA’ASHI platform
 The employment history must be accurately reflected in his/her profile on the platform
 That he has a previous period(s) of service eligible for conjoining
 The previous service period/s to be merged must not have ended due to reasons of deprivation from pension or gratuities
 The service to be merged must not be temporary, daily employment or training period

Please note:
 In the event that an insured wishes to submit a request to add a previous service period, the request must be submitted before the end of the current service and all the costs incurred to be paid in favor of merging the previous service prior to the end-of-service date of the current employer, otherwise the period will be settled against what has been paid only and the remaining duration will be cancelled

It is the new start date with the new employer to which the insured is being transferred to. This date can either be a date in the past or a date that's one day ahead of when the transfer request is being initiated.

Employment end date is populated based on the transfer date entered by the current employer. It populates the date that is one day before the selected transfer date even if that date falls on a weekend. This is because GPSSA calculates contributions based on regular calendar days, not working days.

No, a transfer can only be made to an entity that is covered by GPSSA. In case of entity not covered by GPSSA, then it's a different process called a benefits exchange service that needs to be addressed

To successfully transfer an insured individual from one entity to another and register the insured with GPSSA:

1. The insured’s current and future employer must be registered and have an account on GPSSA’s Employer Portal
2. The insured individual to which the service request relates to must be registered and have an account on GPSSA’s Member Portal, and have an up to date and complete profile on GPSSA’s Member Portal
3. Both entities (current and future) must be covered by GPSSA

To successfully transfer an insured individual from one entity to another and register the insured with GPSSA, an insured’s current entity (previous employer) must initiate an End of Service request from the GPSSA’s Employer Portal and select ‘Transfer’ as the End of Service reason. Further, the employer should submit the following documents:

 Transfer request letter
 Transfer acceptance letter
 Emirates ID
 Liability supporting document *
 Family Book **
 Official letter stating the Nationality Withdrawal (if applicable)

* Only if employer operates in the Local or Federal Government sector
** Only if employer operates in the Private sector or the Local Government sector

Please note that once an insured’s current employer has submitted a transfer request in the Employer Portal, the respective insured will be requested to review/approve the transfer request, following which the request will be reviewed by GPSSA.

A request to register an insured individual that has transferred from one entity to another with GPSSA, where both entities (current and future entity) are covered by GPSSA, to enable the insured individual’s service period to be considered continuous.

The insured’s new employer will receive a notification from GPSSA, requesting them to complete the transfer process.

To complete the transfer process, an employer should:

1. Log into GPSSA’s Employer Portal
2. Initiate the Insured Registration service
3. Select ‘Transfer’ from the registration type drop-down, and complete the remaining process steps to submit the insured registration request

Please note that once an employer has initiated the transfer process, the respective insured and GPSSA will be requested to review/approve the transfer request before the new employer can register the insured.

The transfer date populated for the insured when the new employer is completing the transfer request is the same date that was entered by the employer who initiates a transfer request hence it is disabled and cannot be edited.

As per the pension law, an employer (public or private sector) will incur a penalty of 0.1% of the contribution amount payable to GPSSA, per day, for any late payment. Please note that GPSSA is not required to provide an employer with prior notice or warning.

An employer will incur a penalty of 10% of the contribution amount payable to GPSSA if it is found, following an inspection, that the employer intentionally did not pay contributions for all employees or paid contributions based on incorrect salaries.

No. As part of the new contribution process that GPSSA has introduced, an employer is no longer required to submit a CTD 16/19 form to their financial institution (bank or exchange House).

Instead, an employer will be requested to review/approve a proforma on GPSSA’s Employer Portal on a monthly basis, which will in-turn lead the system to automatically generate an invoice. Once this is complete, an employer will need to provide their financial institution (bank or exchange house) the following details to enable the monthly contribution payment that is due to be processed:

- Invoice number
- Amount to be paid to GPSSA
- Employer ID

An employer can choose to settle the monthly contribution amount they owe GPSSA either using the Fund Transfer System (FTS) or Direct Debit (DDS).

Please note that if an employer wishes to settle the contribution amount payable to GPSSA using FTS, an employer will need to provide their financial institution (bank or exchange house) the following details:

- Invoice number
- Amount to be paid to GPSSA
- Employer ID

Yes, if an employer wishes to make salary updates for multiple employees, an authorized representative that has a role with the required privilege(s) on the GPSSA’s Employer Portal can download a template from the Employer Portal, make the necessary changes and upload the document back into the portal.

To access the bulk salary update template, please do the following:

> Log into GPSSA’s Employer Portal
> Select “Dashboard” from the ribbon at the top of the portal
> Click on “View employer account”
> Click on “Manage employees”
> Scroll to the bottom of the page, select “Bulk Salary Update” and complete the required steps

Special leave to accompany a diplomat or a scholar enjoying a scholarship vacation: A government sector employer must pay its share and the share of the insured individual during this period.

Special leave to accompany an insured individual that is employed by the private sector: The insured must pay its share as well as the share of his/her employer.

As per the pension law, insured individuals and his/her employer must pay contributions from the day the insured individual started employment with the respective employer.

Contribution payments must be made by an employer to GPSSA, monthly, between the 1st - 15th of a month, for the previous month.

Example:
The contribution payment due for the month of October 2024 must be paid to the GPSSA between 1 – 15 November 2024.

Please note that as per the pension law, an employer (public or private sector) will incur a penalty of 0.1% of the payable contribution amount per day for any late payment – without GPSSA having to provide a warning or notice.

If an individual is seconded:
• The employer to which the employee is seconded pays the insured’s salary during the secondment period. This employer will pay the employer contribution share during the secondment period.
• If the insured is seconded to a third party of another pension fund, the seconded entity is responsible for paying the insured person's monthly contributions.
• Insured person's share of contributions shall be borne in both cases.

The insured shall pay his/her share based on the actual salary paid thereto, whereas the employer will pay his share based on the entire salary, regardless of whether the leave was with or without pay.

Government sector: The insured individual and the employer will pay their respective contribution share during this period.

Private sector: The insured individual will pay his/her as well as his/her employer’s contribution share during this period.

Yes, contributions will continue to be paid during the period an insured is seconded, and this period will be counted towards an insured’s service period.

Government sector: There is no minimum contribution salary within the government sector. However, an individual’s contribution calculation salary cannot exceed that of the Minister.

Private sector: Within the Private Sector, the minimum contribution calculation salary is AED 1,000 and the maximum contribution calculation salary is AED 50,000.

Government sector: The contribution shall be calculated from the date of joininh until the last working day for those subject to the provisions of Federal Law No. 7 of 1999.
Monthly contributions must be performed in full for the month of appointment and the month of separation irrespective of the number of days the insured has worked for the employer to whom Federal Law No. 57 of 2023 applies.

Private sector:
Federal Act No. 7 of 1999
(1) Monthly contributions shall be payable for the full month of appointment regardless of the number of days the insured has worked with the employer. It is not payable for the month of end of service if the insured person's service is terminated by part of the month and is payable in full for the month of departure if the insured person completes the month of employment.
Federal Act No. 57 of 2023
(2) Monthly contributions shall be payable in full for the month of appointment and the month of separation irrespective of the number of days the insured has worked with the employer

All periods contribute to an insured individual’s total service period, except for any period(s):
- of unauthorized leave
- in which an employee was suspended from work

Please note that any such period(s) will impact on an insured individual’s total service period as no contribution amount will be paid for an insured in the above two scenarios.

Government Sector: The insured person's monthly contribution shall be calculated from the contribution calculation salary and shall be covered by the insured person's monthly basic salary plus allowances.
The monthly allowance for the cost of living, the children's allowance, the social allowance for a citizen and the housing allowance for which he/she is scheduled for his/her grade. The monthly housing allowance for those to whom this allowance is paid annually is divided by the number of months of the year, so that the insured person's contribution shall not exceed that of the Minister. Subject to salary changes and allowances included in the contribution account salary, this contribution varies according to the law applicable to the insured:
Federal Law No. 7 of 1999: An individual's monthly contribution shall be only 5% of the contribution salary account so that it shall not exceed the salary of the contribution account of the Minister (AED 300,000)
Federal Law No. 57 of 2023: An individual's monthly contribution shall be 11% of the contribution account salary so that it shall not exceed the amount of AED 100,000.

For the Prime Minister, Deputy Prime Minister and Ministers, and those who govern:
The share of the insured's contribution is 5% of the total contribution account, which includes the basic salary plus the housing allowance and other allowances.
Monthly and annual allowances are estimated at 1 month per month, if they are registered under Federal Act No. 7 of 1999. However, if they are covered by Federal Act No. 57 of 2023, the individual's contribution is 11% of the total contribution account salary.


For the President of the Federal National Council:
Contribution account salary for the Minister.
For members of the Federal National Council Membership Bonus
15% employer share, 5% insured share.

Private Sector: The amount of the monthly contribution account salary per person is calculated based on the contribution account salary applicable to the insured person's January salary.

An individual's monthly contribution is calculated on the basis of his or her gross salary, including all allowances mentioned in the contract of employment.

Taking into account the points below:
• Any salary adjustments made after January will not be made until January of the following year.
• Insured employees of the private sector who are subject to the provisions of Federal Law No. 7 of 1999, the minimum contribution salary of the individual is AED 1,000 and the maximum contribution salary is AED 50,000.
The minimum salary for an individual contributuion account is AED 3,000 and the maximum salary for a contribution account is AED 70,000.

• If an individual enters his or her job after January, the monthly contribution amount of the insured person will be calculated based on the contribution account salary applicable to the insured person's salary the month in which he or she enters his or her employment. The individual's contribution from this salary will be calculated until January of the following year.

The share of the insured person's contribution is equal to 5% of the salary of the contribution account if the insured person is registered under Federal Law No. 7 of 1999, and 11% of the salary of the contribution account if the insured person is registered under Federal Law No. 57 of 2023. Please note that this amount is deducted from the insured person's salary on a monthly basis and transferred to the Authority by the employer taking into account changes that may occur in the salary of the contribution account during the period of his employment with the employer.

Government sector: The employer’s contribution share equates to 15% of an insured individual’s contribution calculation salary.

Private sector: As per the Federal Law No. (7) of 1999, he employer's share is 12.5% and the Government bears 2.5% of the employer's share in support of the sector in particular to stimulate the appointment of nationals to Diyah. As per the new law no. (57) of 2023, the employer's share is 12.5% and the government is 2.5% in support of the private sector if the salary of the insured is less than AED 20,000, while the employer carries his full share of 15% in case the salary of the insured is equal to or greater than AED 20,000.

In both cases, the employer’s share is transferred by the employer to GPSSA on a monthly basis.

Yes, an inquiry, suggestion and/or a complaint can be raised to GPSSA through the GPSSA Employer or Member Portal. However, an individual must be registered and have an account on GPSSA’s portal.

To place an inquiry, suggestion and/or complaint, please do the following:

> Log into GPSSA’s online portal
> Select “Help & Support” from the ribbon at the top of the portal
> Select “Create New Request”
> Complete the request form, attach supporting documentation (if applicable), and submit the request form
> Receive GPSSA’s response on the support request

Other than through an online channel, a customer can raise an inquiry, suggestion and/or complaint by:

1. Calling GPSSA on its toll-free number at 800-10
2. Visiting one of GPSSA’s Customer Happiness Centers

The status of any request that has been placed with GPSSA can be tracked.

To view and track the status of a support request through the GPSSA Member or Employer Portal, please:

> Log into GPSSA’s online portal
> Select “Your requests” from the ribbon at the top of the portal
> Click on “Support requests”
> View the status of a support request

To view the status of a support request placed through the GPSSA website, please:

> Visit the GPSSA website
> Select “Contact Us” from the ribbon at the top of the portal page
> Select “Contact Us”
> Enter and search the case number in the “Follow Up on a General Case” data field

* Please note that an individual will only be able to search a case number in the “Follow Up on a General Case” data field for any inquiry, suggestion and/or complaint that was raised through the GPSSA website and not through the Member or Employer Portal.

Suggestion – An idea, proposal, or recommendation that a customer requests to make to GPSSA.
Inquiry – A clarification or question that a customer wishes to raise to GPSSA.
Complaint – A grievance or issue that a customer wishes to communicate with to GPSSA.

Yes, anyone can raise an inquiry, suggestion and/or complaint to GPSSA through GPSSA’s website.
To do so, please complete the steps below:

> Visit GPSSA’s website
> Select “Contact Us” from the ribbon at the top of the portal
> Select “Get Support”
> Complete the request form, attach supporting documentation (if applicable), and submit the request form for GPSSA review and response

When requesting “Access to registered employer”, an individual can request to be assigned a particular role based on the roles that have been set-up in the Employer Portal. However, please note that the employer’s authorized representative (if one exists in the Employer Portal) has the right to modify the role the individual is assigned with.

Yes. To create an account and log into GPSSA’s Employer Portal, you must first be registered with UAE Pass, the UAE’s secure national identity scheme.

To register in the UAE PASS application:

1. Download the "UAE PASS" app
2. Sign up for an account with or without using the Emirates ID
3. Document your account (only for UAE ID holders) using facial verification on your mobile app or by visiting your nearest UAE Pass centre with your Emirates ID

For more information, visit UAEPASS

To become recognized as an employer’s authorized representative, please follow the steps below:

In the event of a notification that no authorized person is currently linked to the employer or the authorized person shown in the GPSSA Employer Portal is no longer associated with the employer:
> Register and create an account on GPSSA’s Employer Portal
> Log into GPSSA’s Employer Portal
> Select “Request access to registered employer” and press “Continue”
> Select the employer’s name from the drop-down menu
> Complete service form
> Submit required documents
> Read and accept GPSSA’s Terms & Conditions
> Submit request
> Wait to receive GPSSA’s response to the service request

If the authorized person shown in GPSSA’s Employer Portal is still associated with the employer:
> Register and create an account on GPSSA’s Employer Portal
> Log into GPSSA’s Employer Portal
> Select “Request access to registered employer” and press “Continue”
> Select the employer’s name from the drop-down menu
> Review name of authorized person shown in GPSSA’s Employer Portal and confirm that the authorized person is still associated with the employer
> Wait for the authorized person to provide the necessary access based on the request that was submitted to the Employer Portal

There is no limit as to the number of individuals that can be linked to an employer in GPSSA’s Employer Portal. However, all requests must be reviewed/approved by either an employer’s authorized representative or the GPSSA.

Once approved, an individual will be able to access and avail/transact GPSSA’s services on behalf of an employer – depending on the role he/she is assigned in the Employer Portal and the privileges that are associated with the role.

Government Sector:
The monthly contribution calculation salary is based on the following:

Basic salary, housing allowance, social allowance, cost of living allowance and children's allowance - provided that the contribution calculation salary of the insured shall not exceed that of the Minister (300,000) for those who apply the provisions and laws of Federal Law No. 7 of 1999 and the contribution calculation salary of the insured shall not exceed 100,000 for those who apply the provisions of Federal Law No. 57 of 2023
Salary of the Minister's account 150,000 for those registered under Federal Law No. 57 of 2023

The employer's share is equal to 15% of the contribution account salary and the insured's share is equal to 5%. The ratios vary for those registered under Federal Law No. 57 of 2023 and are as follows:
15% Employer Share and 11% Insured Share

Private sector: The contribution calculation salary of private sector employees includes all amounts paid to the insured, including all allowances mentioned in the employment contract.

Insured persons registered under Federal Law No. 7 of 1999 have the following rates of participation: the employer's share is equivalent to 12.5%, while the government's share is 2.5% in support of the private sector to encourage the private sector to appoint their citizens, and the insured's share is equal to 5%.
Insured persons registered under Federal Law No. 57 of 2023 shall have the following participation ratios:
Insured persons with a minimum salary of AED 20,000:
The insured share is 11%, the employer share is 12.5% and the government share is 2.5% (the insured's total share is 23.5%)
Insured persons whose salary is equal to/above AED 20,000:
Insured person's share of the 11% and employer's share of the 15% (total insured person's share and 26% employer)

Using the “Request access to registered employer” feature on GPSSA’s Employer Portal, an individual can request to become an authorized representative of an employer who is registered with GPSSA.
If approved, an individual will be able to access GPSSA’s Employer Portal and avail/transact services on behalf of an employer.

Please note that:
- An employer must be registered with GPSSA before a ”Request access to registered employer” request can be submitted.
- What an individual will be able to view and/or action on the Employer Portal is dependent on the privileges that are linked to the role he/she is assigned to in the Employer Portal.

If an individual is not yet recognized as an authorized representative in GPSSA’s Employer Portal, the drop-down list of employers – shown once an individual logs into the Employer Portal - will be blank.

An authorized individual with the required privilege(s) in GPSSA’s Employer Portal can view and/or update an employer’s profile including the employer’s financial details in the Employer Portal.

To view and/or update an employer’s profile:

> Register and create an account in the Employer Portal
> Log into GPSSA Employer Portal
> Select “Dashboard” from the ribbon at the top of the portal.
> Click on “View employer account.”
> Click on “Employer overview” and/or “Financial details.”
> View and/or update details in the applicable section(s)

Please note that any changes made to any ‘critical data fields (e.g., the employer’s bank details, license details, etc.) will undergo GPSSA review/approval.

To easily avail a service, an employer’s profile should always be kept up to date on GPSSA’s Employer Portal.

Please note that to ensure that payments can be transacted through the portal, ensure that the mobile number data field and details related to the employer’s bank account are complete and up to date in the Employer Portal.

Any section that has a red dot against it means that the section contains a critical data field which has not been filled up with data. Please ensure that all critical data fields are completed and kept up to date at all times.

The different privileges that can be assigned to a role in GPSSA’s Employer Portal are listed below.

- Full access
- No access
- View only

Please note, in some cases, only two out of three privileges may be shown.

To assign and/or modify privileges in GPSSA’s Employer Portal, please:

> Log into GPSSA’s Employer Portal
> Select “Dashboard” from the ribbon at the top of the portal
> Click on “View employer account”
> Click on “Manage employer admins”
> Click on “Roles and Privileges”
> Click on the three dots shown on a role title
> Select “Edit access” and edit the privilege(s) assigned to the role

Please note, to assign and/or modify privileges to a role, an individual must have access to GPSSA’s Employer Portal and have the required role and privilege in the portal.

Yes, an authorized individual that has a role with the required privilege(s) in GPSSA’s Employer Portal can request to de-activate a role on the Employer Portal.

An unlimited number of roles can be set up in the Employer Portal by an employer’s authorized representative that has the required role and privilege. However, some roles are set up by default – each one having a different set of privileges (listed below).

1- Signatory Authority
2- Service Administrator
3- Payment Administrator
4- Super Administrator

An individual who has access to GPSSA’s Employer Portal and holds a role that has the required privilege(s) can create and/or modify roles and/or privileges in GPSSA’s Employer Portal.

Yes, contributions will continue to be paid during the period an insured is seconded, and this period will count towards an insured’s service period.

For more information related to a period of secondment, please refer to the Contribution FAQs.

An unlimited number of individuals can be linked to an employer in GPSSA’s Employer Portal, subject to this being reviewed/approved by either an employer representative that is already set-up in GPSSA’s Employer Portal or GPSSA – in the event that an employer representative is not yet set-up in the Employer Portal.

Once approved, an individual will be able to access and avail GPSSA’s services on behalf of an employer – depending on the role he/she is assigned and the privileges that are associated with the role.

For more information, please refer to the Request Access to Registered Employer FAQs.

If an insured individual’s salary changes after January and he/she works in the:

Government sector: the insured’s new salary will be considered.

Private sector: the insured’s new salary will be considered from January of the following year.

Yes, if an employer wishes to make salary updates for multiple employees, an authorized representative that has a role with the required privilege(s) in GPSSA’s Employer Portal can download a template from the Employer Portal, make the necessary changes and upload the document back into the Employer Portal.

To access the bulk salary update template, please:

> Log into GPSSA’s Employer Portal
> Select “Dashboard” from the ribbon at the top of the portal
> Click on “View employer account.”
> Click on “Manage employees.”
> Scroll to the bottom of the page, select “Bulk Salary Update” and complete the required steps.

Within the ”Leave details” section in the Employer Portal which falls under the “Manage Employees” section, an employer should log the following types of leave:

- Any period of unauthorized leave
- Any period in which an employee was suspended from work

Please note that any such period(s) will impact an insured’s service period as no contribution will be paid for an insured in the above two scenarios.

Yes, salary components and percentages entered at the employer level on GPSSA’s Employer Portal will be cascaded and made visible at an employee level (within the “Manage Employees” section of the Employer Portal). An employer can, however, edit the salary components and/or percentages at an employee level, if required.

Government sector: An individual’s monthly contribution amount is calculated based on the contribution calculation salary applied to an insured’s monthly salary.

Five (5) elements make up an insured individual’s contribution calculation salary. This includes basic salary, housing allowance, social allowance, cost of living allowance, and child allowance - provided that the contribution calculation salary of the insured does not exceed that of the Minister.

For the Prime Minister, the Deputy Prime - Minister, Ministers and similar persons:
The monthly contribution amount due is based on basic salary plus the living allowance and other monthly and yearly allowances. Please note that yearly allowances shall be estimated on a monthly basis by dividing them by the number of months per year.

For the President of the Federal National Council:
The salary of subscription calculation with regards to the Minister.
For Members of the Federal National Council: a membership allowance
15% employer share, and 5% insured share.

Private sector: An individual’s monthly contribution amount is calculated based on the contribution calculation salary applied to the salary an insured received in the month of January.

An insured individual’s monthly contribution is calculated based on his/her total salary including all allowances mentioned in the individual’s employment/labor contract.

Please also note (specifically for the Private Sector):
 Any salary increases or decreases received after January will not be considered until January of the following year.
 The minimum contribution calculation salary an individual can receive is AED 1,000 and the maximum contribution calculation salary an individual can receive is AED 50,000.
 iI an individual joined his/her employment after January, an insured’s monthly contribution amount will be calculated based on the contribution calculation salary applied to the salary an insured has received in the month he/she joined employment, and this salary will be used to calculate his/her contribution calculation salary until January of the following year.

Any section in your personal profile that has a red dot on it means that you should review and complete that section. It may also be that the section in your profile is incomplete.

Please ensure that you always keep your profile up-to-date so that a service can be availed and/or transacted more quickly.

Only an insured individual can view and update his/her personal information and he/she can do so on GPSSA’s Member Portal.

An employer can do the following within GPSSA’s Employer Portal:
- View an insured individual’s personal details but not edit them
- View and update an insured individual’s employment details such as an individual’s salary details and job title

Please note that to update certain information, an employer may be requested to submit some supporting documentation which will be validated by GPSSA.

No, only you can view and/or update your personal information on the GPSSA Member Portal. Your employer will, however, maintain and/or update your employment details with GPSSA such as your salary details. Please note that this data will be maintained by an employer on the GPSSA Employer Portal.

As an insured individual, you can view and/or update your personal details on GPSSA’s Member Portal any time.

To view and/or update your personal information:

> Register and create an account with GPSSA
> Log into GPSSA’s Member Portal
> Select “Dashboard” on the ribbon at the top of the portal
> Click on “View my profile”
> View and/or update details in the applicable section(s)

Please note that any changes made to any “critical” data fields (e.g. name, family book) will undergo GPSSA review and approval.