The United Arab Emirates General Pension and Social Security Authority published guidance on the current pension framework, stressing that benefits are progressive and can reach 100 percent of the pension calculation salary after 35 years of service. It also highlighted that social security contributions create coverage from the start of service and support protection against total disability, occupational illness, death and loss of income during and after employment. Under the framework described by the authority, retirement rights vest after one year of service, while protective coverage for total disability, occupational illness or death applies from day one if the employer has met registration and contribution obligations. Survivor benefits can continue without a fixed duration if legal eligibility conditions are met, including continued pension shares for eligible daughters regardless of age and for widows whose marital status remains unchanged. For members leaving before retirement eligibility, end-of-service gratuity is calculated on a tiered basis at 1.5 months of average contribution account salary for each of the first five years, two months for each of the next five years and three months for each year beyond 10 years. The authority also noted that longer service can allow members to purchase nominal service years, combine a pension with a salary and receive an additional bonus for service beyond 35 years equal to three months' pension salary for each extra year. It encouraged insured members to use the Ma’ashi Platform to review contribution account salary, track service years and simulate projected pension or gratuity outcomes.
General Pension and Social Security Authority2026-05-11
United Arab Emirates General Pension and Social Security Authority outlines pension benefits including 100 percent entitlement after 35 years
The United Arab Emirates General Pension and Social Security Authority issued guidance on how benefits build under the current pension system, including a maximum pension entitlement of 100 percent of pension calculation salary after 35 years of service. It also highlighted day-one protection for disability, occupational illness and death, tiered end-of-service gratuity rates for those leaving before retirement eligibility, and continuing survivor benefits subject to legal conditions. Members were directed to the Ma’ashi Platform to monitor service records and estimate pension or gratuity outcomes.