Who is eligible for GPSSA pension in the UAE?

The General Pension and Social Security Authority (GPSSA) covers UAE national citizens and GCC national citizens working in the private or public sectors in the UAE under Federal Decree-Law No. 57 of 2023. Expat workers are not eligible for GPSSA statutory pension and instead receive End of Service Gratuity or workplace savings scheme contributions.

What is the monthly pension contribution rate in the UAE?

The total monthly pension contribution rate is 20% of the employee's contributory salary: the employee pays 5% and the employer pays 15% (or 26% total rate for Abu Dhabi pension scheme ADPF where employee pays 11% and employer pays 15%).

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GPSSA Federal Decree-Law No. 57 of 2023 & ADPF

UAE Pension & Social Security System

Q: What is the retirement age for UAE national pension?

Under Federal Decree-Law No. 57 of 2023, the retirement age is 55 years with a minimum of 20 years of registered service, or age 60 for mandatory retirement.

Complete guide to statutory social security for UAE & GCC national employees — GPSSA federal rules, Abu Dhabi Pension Fund (ADPF), contribution rates, retirement age, and pension payout formulas.

UAE Social Security Authority Architecture

Statutory retirement pensions and social security in the UAE are managed by the General Pension and Social Security Authority (GPSSA) under Federal Decree-Law No. 57 of 2023 (and the Abu Dhabi Pension Fund - ADPF for Abu Dhabi local entities).

The scheme is mandatory for all UAE nationals and GCC citizens working in government or registered private sector employers across the UAE.

Private Sector Pension Contributions (Federal Law 57/2023)

Pension Contribution Metric	Statutory Rate / Details
Total Contribution Rate	20% of Contributory Account Salary
Insured Employee Share	5% deducted from employee salary
Employer Entity Share	15% paid by private employer (includes 2.5% government subsidy under old framework)
Contributory Salary Cap	AED 70,000 max contributory salary limit for private sector

Pension Calculation & Payout Formula

Under Federal Decree-Law No. 57 of 2023, monthly retirement pension is calculated as:

📊 20 Years Service: 60% of average contributory salary (over last 3 yrs public / 6 yrs private)
📊 Additional Years: +2% for each additional year served beyond 20 years
📊 Maximum Pension: 100% of average salary achieved at 35 years of service
📊 Retirement Age: 55 years minimum age requirement with 20 years service

Expat Pension Alternatives

Expat employees do not participate in GPSSA but receive statutory end-of-service benefits:

💼 MoHRE End of Service Gratuity: 21 days basic salary/yr for 1-5 yrs, 30 days/yr thereafter
🏦 Voluntary Workplace Savings Scheme: Investment fund contributions as alternative to gratuity
🏙️ DIFC DEWS Scheme: Mandatory 5.83% / 8.33% monthly employer deposit into DEWS fund

Frequently Asked Questions

The General Pension and Social Security Authority (GPSSA) covers UAE national citizens and GCC national citizens working in the private or public sectors under Federal Decree-Law No. 57 of 2023.

The total rate is 20%: employee pays 5% and employer pays 15% (or 26% total under Abu Dhabi ADPF where employee pays 11%).

Under Decree-Law 57/2023, retirement age is 55 years with a minimum of 20 years of registered service.

🧮 GPSSA GCC National Pension Calculator →🐷 DIFC DEWS & Workplace Pension Scheme →💰 MoHRE End of Service Gratuity Calculator →

GPSSA & ADPF Verified

• General Pension and Social Security Authority (GPSSA): gpssa.gov.ae
• Abu Dhabi Pension Fund (ADPF): pension.gov.abudhabi