Step 1: Calculate the contribution salary.

Government sector: An insured individual’s contribution calculation salary is based on five (5) elements. 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. 

Private sector: An insured individual’s monthly contribution salary is calculated based on his/her total salary including all allowances mentioned in the individual’s employment/labour contract. Please note, the minimum contribution calculation salary an individual can receive is Dh1,000 and the maximum contribution calculation salary an individual can receive is

Dh50,000.

Step 2: 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: Awareness regarding GPSSA’s pension entitlement rates in accordance to years of service and/or employment completed, as shown below:

 
Please note: The retirement pension increases by 2% per year after completing 15 years of service, with a maximum limit set at 100% of the contribution account salary once an insured individual has completed 35 years of service.

Step 4: Extract the value of the 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 is 20 years, the retirement pension is calculated as follows:

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