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CHAPTER FOUR: BENEFICIARIES AND CONDITIONS OF BENEFIT - Article 26

Last updated 09/23/2021 14:32 PM
Subject to the provisions of the following Articles, the entitlement to the pension shall be transferred subsequent to the death of the insured or the pensioner to the persons referred to in list no. 1 enclosed herewith.

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CHAPTER FOUR: BENEFICIARIES AND CONDITIONS OF BENEFIT - Article 25

Last updated 09/23/2021 14:18 PM
The entitlement of the insured to the pension shall commence on the day that follows the termination of the service thereof, and shall cease upon the death thereof should there be no beneficiaries thereof. In such case, the entitlement to the pension shall be transferred in accordance with the provisions of the present Law.

The entitlement of the beneficiaries of the insured or the pensioner shall commence as of the month that follows the date of death.

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CHAPTER THREE: PAYMENT OF OLD - AGE, DISABILITY AND DEATH PENSIONS - Article 24

Last updated 09/23/2021 14:14 PM
The minimum share of the beneficiaries of the insured shall be as follows:

- 800 Dirhams for the widow or the benefiting husband.

- 600 Dirhams for each of the parents.

- 400 Dirhams for each of the remaining beneficiaries.

Should the share of any of the beneficiaries be less than the minimum amount, such share shall be calculated on the basis of the salary of pension calculation, provided that the sum of the shares does not exceed such salary. In the event of the transfer of the pension of a beneficiary to the other, such transfer shall be made based on the share thereof before increasing to the minimum amount.

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CHAPTER THREE: PAYMENT OF OLD - AGE, DISABILITY AND DEATH PENSIONS - Article 23

Last updated 09/23/2021 14:12 PM
In the Governmental Sector, the pension of the insured of the fourth degree in the third circle and above, or any degree similar thereto, must not be less than 3.750 Dirhams per month. And the pension of the insured of the remaining degrees or any degree similar thereto must not be less than 2,500 Dirhams per month.

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CHAPTER THREE: PAYMENT OF OLD - AGE, DISABILITY AND DEATH PENSIONS - Article 22

Last updated 09/23/2021 14:04 PM
In the calculation of the subscription period, the part of the month shall be deemed a full month.

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CHAPTER THREE: PAYMENT OF OLD - AGE, DISABILITY AND DEATH PENSIONS - Article 21: As amended by Federal Law no.7 dated 15/02/2007

Last updated 09/23/2021 14:02 PM
Without prejudice to the provision of Article 19 of the present Law, 10 % of the entitlements of the insured in the pension subject to clauses 6 and 11 of Article 16 hereof shall be deducted, provided that the period of the service thereof has not reached twenty five years.

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CHAPTER THREE: PAYMENT OF OLD - AGE, DISABILITY AND DEATH PENSIONS - Article 20

Last updated 09/23/2021 13:58 PM
The pension shall be calculated monthly on the basis of 60 % of the salary of pension calculation for the subscription periods included in the insurance reaching fifteen years. Such percentage shall increase by 2 % for every additional year and up to a maximum of 100 % of the salary of pension calculation.

Should the service period exceed thirty five years, the insured shall be granted benefit for the additional year amounting to the salary of three months for every year of the salary of pension calculation category.

With regards to the insured in the private sector, the last salary of pension calculation shall not be more or less than 20 % of the average salary of subscription calculation in the four preceding years or the actual subscription period, whichever is less.

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CHAPTER THREE: PAYMENT OF OLD - AGE, DISABILITY AND DEATH PENSIONS - Article 19

Last updated 09/23/2021 13:55 PM
Should the service of the insured be terminated by reason of death or complete disability due in both cases to a work injury, the pension shall be settled assuming that the subscription period thereof has reached thirty five years.

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CHAPTER THREE: PAYMENT OF OLD - AGE, DISABILITY AND DEATH PENSIONS - Article 18

Last updated 09/23/2021 13:52 PM
Should a judgment be issued to consider the insured missing, a temporary monthly pension equal to the due pension thereto in the event of his death while in service shall be paid to the beneficiaries thereof. Should it be proven thereafter that the missing person is alive, the payment of the said pension to the beneficiaries thereof shall cease, and his situation shall be settled in light of the outcomes of the judicial investigations. Should the situation thereof be proven unsound, the Committee shall be entitled to request the retrieval of the sums already paid thereto. However, should the situation thereof be proven sound, a clearance shall be made between the entitlements thereof and the sums paid to the beneficiaries thereof. Should the entitlements thereof exceed the sums paid to the beneficiaries, the balance shall be paid thereto.

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CHAPTER THREE: PAYMENT OF OLD - AGE, DISABILITY AND DEATH PENSIONS - Article 17: As amended by Federal Law no.7 dated 15/2/2007

Last updated 09/23/2021 13:48 PM
The insured may request the purchase of an assumed service period to be included in the actual service period under the following conditions:

The insured must express in writing his desire to purchase such period prior to the termination of his service.

The insured must have spent twenty years in service at least.

The period to be purchased must not exceed five years for the male insured, and ten years for the female insured.

In all cases, the insured shall bear his share as well as the share of the employer for the period to be purchased, and such in accordance with the salary of subscription calculation at the date of the request of purchase, provided that the payment is made all at once or in installments, and that the period of installments does not exceed the reach by the insured of the age of sixty. In all cases, the expenses of purchase must be paid in full prior to the end of the service.

In the event of the death of the insured, the collection of installments shall carry on from the pensions of the beneficiaries thereof.

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Frequently Asked Questions
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What periods may the Insured merge?

<p>• Previous service periods with any employer subject to the provisions of the Federal Decree-Law</p>
<p>•Previous service period prior to acquiring the UAE nationality</p>
<p>•Previous service periods in any entity determined by the Cabinet</p>

What are the conditions for an insured’s registration with the GPSSA?

<p>• The individual must be a United Arab Emirates national </p>
<p>• The individual must be between the ages of 18 to 60 </p>
<p>• The individual must be medically fit to work upon appointment, as evidenced by an approved medical report</p>
<p>• He/she must work for an employer subject to the provisions of the law applied by the GPSSA</p>

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?

<p>&middot; 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</p><p>&middot; 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</p>

If an employer paid excess amounts to the GPSSA, is there a specific period within which they have the right to claim them back?

<p>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.</p>

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?

<p>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.&nbsp;This means the committee must be petitioned before taking legal action against the employer, and the appeal has a five-year deadline.&nbsp;</p>

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