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CHAPTER FOUR: BENEFICIARIES AND CONDITIONS OF BENEFIT - Article 29

Last updated 09/23/2021 14:39 PM
The pension of the son shall be discontinued whenever he reaches 21 years of age. However, the payment of the pension thereto shall be carried on after having reached such age in the following cases:

1 - Should he be incapable of making a living and until the remedy of his disability.

Such disability shall be proven by virtue of a report from the competent medical committee, provided that the condition is reexamined every two years, unless the competent medical committee decides the improbability of his remedy.

2 - Should he be a student and until the employment thereof, or the practice thereby of a profession, or until he reaches twenty eight years of age, whichever is closer.

The payment of the pension to the student having reached the age of twenty eight shall be made during the academic year and until the end thereof.

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CHAPTER FOUR: BENEFICIARIES AND CONDITIONS OF BENEFIT - Article 28

Last updated 09/23/2021 14:37 PM
Should the father of the children die during the life of his father, and should they have no pension from their father, the share of their father shall be transferred thereto as if he were alive.

Should the father of the children die after having collected the pension for his father, the share of their father in the pension shall be transferred thereto.

In both preceding cases, the provisions related to the suspension of the pension of the benefiting children shall apply.

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CHAPTER FOUR: BENEFICIARIES AND CONDITIONS OF BENEFIT - Article 27

Last updated 09/23/2021 14:35 PM
Should the wife pass away upon the death of the insured or pensioner or thereafter, or should she remarry, her share shall be transferred to her children from him who benefit from the pension in equal shares among them. Should she have no children from him, her share shall be transferred to the widows of the insured or pensioner living at the time of her death, in equal shares among them. Should there be no widows, her share shall be transferred to the Committee.

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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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Frequently Asked Questions
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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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