Frequently Asked Questions

Step 1: 

First, calculate the contribution salary.

Government sector: Monthly basic salary, social allowance of an Emirati national, children's allowance, cost of living and housing allowance, given that it does not exceed Dh300,000, which is a minister's contribution salary.

Private sector: The salary stipulated in the employment contract, including the basic salary, bonuses and regular monthly allowances, with a maximum of Dh50,000.

Step 2:

Second, calculate the average contribution salary.

-  Government sector:  Average contribution salary for the last three (3) years of service - i.e. total contribution calculation salary throughout the entire three (3) years divided by 36.

-  Private sector:  Average contribution salary for the last five (5) years of service - i.e. total contribution calculation salary throughout the entire five (5) years divided by 60.

Step 3:

Understand the pension entitlement rates compared to years of service and/or employment.

Please note:

The retirement pension increases by 2% yearly given that the insured's employment duration exceeded 15 years with a maximum limit set at 100% of the contribution account salary, given that the insured individual has completed 35 years of employment service.

Step 4:

Extract the value of your retirement pension by multiplying the average contribution salary by the percentage of your employment service period.

For example:

If the average contribution salary of an employee is Dh15,000 and his/her service period was 20 years, the retirement pension is calculated as follows:

Dh15,000 X 70% = Dh10,500 (pension).