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Three pivotal steps outlined prior to registering and contributing with the GPSSA

Last Updated 26/08/2024 08:33
Three pivotal steps outlined prior to registering and contributing with the GPSSA

Abu Dhabi, 22nd May 2024:  Three pivotal steps are necessary during an insured Emiratis start and end of employment service, namely: registering with the General Pension and Social Security Authority (GPSSA) once employed, ensuring monthly contributions are paid on time, i.e. from the first month of employment, and following up on a retirement pension, end-of-service gratuity or compensation amount due to be disbursed. 


If an insured Emirati is not registered with the GPSSA, he/she will not be entitled to receive insurance benefits. While it is an entities responsibility to ensure Emiratis are registered with the GPSSA, this does not exempt the employee from double checking with the entity that the registration and contribution process have been successfully complete within 30-days from the joining date; if this has not been done, the individual is required to be proactive and inform the GPSSA immediately in order to preserve his/her rights.


As part of GPSSA’s registration and contribution criteria’s, the insured must be an Emirati national (applicable to anyone who obtains the UAE nationality at any time), between the age of 18 to 60, with a medically fit health certificate submitted upon employment. This applies to all Emiratis working in the federal, government or private sectors in the UAE, with exception to employees working in the government and private sectors in Abu Dhabi, and those working in the government sector in Sharjah.


Once registered, the insured must be familiar with the exact contribution percentage and amount due from both the entity and him/herself, in order to ensure there is no delay in the transaction. This safeguards the insured’s rights in receiving insurance entitlements by the GPSSA, since it is the GPSSA and not the employer who are authorized to disburse insurance entitlements (pension, end-of-service gratuity or additional compensation) at the end of their employment. Entities are only responsible in registering their employees and ensuring due contributions are deducted from their salaries on time each month. 


Emiratis working in the private sector who wish to benefit from the NAFIS program must ensure they too register and contribute on monthly basis with the GPSSA. It is worth noting that the GPSSA shares an electronic link with NAFIS which shows the extent by which employers are abiding by registration and monthly contribution requirements for their employees.
 

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Frequently Asked Questions

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. 

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