The UAE has introduced new rules regarding pensions and social insurance for Emirati mothers, allowing them to take leave to care for their children while maintaining their end-of-service benefits. The General Pension and Social Security Authority (GPSSA) clarified that under Federal Law No. 57 of 2023, mothers can take up to three years off, provided they continue making monthly contributions.

This law aligns with the UAE’s ongoing efforts to support and empower women across various sectors, including education, economy, and politics. The nation has long recognized the essential role of women in its development, a vision championed by the late Sheikh Zayed bin Sultan Al Nahyan.

Federal Law No. 57 of 2023 provides several key benefits for working mothers and widows:

  • Optional Contributions: Emirati mothers can choose to contribute to their pension fund while on leave to secure their end-of-service benefits.
  • Widow Entitlements: If a woman’s husband passes away, she can merge her pension with his. The law also adjusts pension distribution, granting a widow with multiple children a 40% share, while the children collectively receive another 40%. Parents of the deceased may receive up to 20%.
  • Reduced Contribution Requirements: Mothers who have contributed to GPSSA for 30 years and reached the age of 55 can benefit from reduced contribution periods. For the fifth and sixth child, contributions are cut by two years, and the retirement age is lowered by three years. For the seventh child, these reductions increase further.

The UAE has long provided special pension rights for women. Previously, Federal Law No. 7 of 1999 allowed women to purchase up to ten years of service, while men could only purchase five. Additionally, daughters and sisters can receive pension shares, though daughters stop receiving payments upon marriage or employment. Sons receive pension benefits until they turn 21 or, if studying, until 28.

If a mother, daughter, or sister becomes widowed or divorced and does not have an alternative source of income, they may receive a pension share, ensuring financial support. Unlike inheritance, pensions are distributed equally among eligible male and female family members.

The revised pension laws reflect the UAE’s commitment to ensuring financial stability for women and families. By allowing mothers to take career breaks while maintaining benefits and adjusting widows’ entitlements, these updates provide a stronger safety net for Emirati women.