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Abu Dhabi, 22^nd May 2025 – An insured Emirati whose employment service has ended due to a decease or disability leading to being unfit to work or ill, are entitled to receive a retirement pension regardless of their age or years of employment, confirms the General Pension and Social Security Authority (GPSSA).

As part of ‘Topic of the month ‘ during May 2025, the GPSSA continues to raise awareness on the rights and benefits of insured Emiratis as per medical retirement provisions and conditions related to being deemed unfit to work.

Decease and total disability as a result of a work-related injury

According to Federal Law No. 7 of 1999 on pension and social security and its amendments, if an insured is deceased because of a work-related injury or suffers a total disability, a pension amount is paid at a rate of 100% of the pension account salary, in addition to AED75,000 worth financial compensation, which is distributed to the deceased insured’s beneficiaries/heirs as per the provisions of Sharia Islamic law. If a work-related injury however leads to a partial disability, the insured is entitled to compensation equal to the percentage of disability multiplied by AED75,000.

Decease and disability not resulting in a work-related injury

In the event of proving an insured is medically unfit to work, pension is calculated based on a contribution period of 15 years or on the actual contribution period, whichever is longer.

Three years of a nominal service period or the time required to complete the age of sixty, whichever is less, are added to the service period upon termination of service due to decease or total disability.

Decease and disability not due to a work-related injury

If an insured becomes totally disabled, not because of a work-related injury, and has worked for five years, his/her service period will be increased to 15 years and receives a pension amount at a rate of 60% of the pension calculation salary. This also applies to retirement due to decease not resulted to work.

If the insured’s service period ends with total disability not resulting from a work injury and he/she has a worked for 12 years and three months, and his/her age at the end-of-service is 54, the service period in this case is increased to 15 years and three months after adding three nominal years, and the same situation applies to a retirement due to decease not as a result of a work injury.

If the insured suffers from total disability due to none-work related injuries and has worked for 13 years and is aged 54 by the end of the service period, three nominal years are added to the service period, meaning that his/her service period will rise to 16 years for and a pension amount at a rate of 62%. This applies to retirement due to decease not because of a work injury.

For those whose service period ends with a total disability due to none-work related injuries and have worked for 18 years and are aged 58, two years of consideration are added to complete the age of 60 and the same case applies to retiring due to decease not as a result of a work-related injury.