Abu Dhabi: The General Pension and Social Security Authority (GPSSA) confirmed that 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.
According to Emirates News Agency, as part of the ‘Topic of the Month’ during May 2025, the GPSSA continued to raise awareness on the rights and benefits of insured Emiratis as per medical retirement provisions and conditions related to being deemed unfit to work.
Federal Law No. 7 of 1999 on pension and social security and its amendments stipulate that 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 percent of the pension account salary, in addition to AED75,000 worth financial compensation. This compensation is distributed to the deceased insured’s beneficiaries/heirs as per the provisions of Sharia Islamic law.
If a work-related injury 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, the pension is calculated based on a contribution period of 15 years or the actual contribution period, whichever is longer.
Three years of a nominal service period or the time required to complete the age of 60, 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, their service period will be increased to 15 years and they receive a pension amount at a rate of 60 percent of the pension calculation salary. This also applies to retirement due to decease not resulting from work.
If the insured’s service period ends with total disability not resulting from a work injury and they have worked for 12 years and three months, and their age at the end-of-service is 54, the service period is increased to 15 years and three months after adding three nominal years. The same situation applies to a retirement due to decease not as a result of a work injury.
Should the insured suffer from total disability due to non-work related injuries and have worked for 13 years and are aged 54 by the end of the service period, three nominal years are added to the service period, resulting in 16 years of service and a pension amount at a rate of 62 percent. This applies to retirement due to decease not because of a work injury.
For those whose service period ends with a total disability due to non-work related injuries and have worked for 18 years and are aged 58, two years of consideration are added to complete the age of 60. The same case applies to retiring due to decease, not as a result of a work-related injury.
