17/07/2025 General | General Pension & Social Security Authority
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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).
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.
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.
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.
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