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🇦🇪 UAE - Insurance Academy

Learn how social insurance is calculated step-by-step with worked examples for Kuwait, Saudi Arabia, UAE and GCC extension protection cases. UAE

Last reviewed: 18 May 2026

This is educational and indicative. Social insurance rates and caps may change by subscription date, nationality, sector and contributory wage. Always verify with the official authority.

What is social insurance?

Social Insurance Academy Learn how social insurance is calculated step-by-step with worked examples for Kuwait, Saudi Arabia, UAE and GCC extension protection cases.

What wage is contributory?

  • In the UAE, choose the correct scheme: pre-Oct 2023, Law 57 of 2023, or Abu Dhabi fund.
  • Non-GCC expatriates are usually not covered by UAE pension contributions but may have gratuity rights.

Formula

Contribution = min(Contributory Wage, Cap) × Rate

Difference from end-of-service

This is educational and indicative. Social insurance rates and caps may change by subscription date, nationality, sector and contributory wage. Always verify with the official authority.

Worked examples

Example 1: UAE national before 31 Oct 2023

Inputs

wage30,000 AED
employee_rate5%
employer_rate12.5%
gov_rate2.5%
cap50,000 AED

Calculation steps

  1. Employee: 30,000 × 5% = 1,500 AED
  2. Employer: 30,000 × 12.5% = 3,750 AED
  3. Government support: 30,000 × 2.5% = 750 AED

Example 2: UAE national under Law 57 of 2023

Inputs

wage30,000 AED
employee_rate11%
employer_rate15%
cap70,000 AED

Calculation steps

  1. Employee: 30,000 × 11% = 3,300 AED
  2. Employer: 30,000 × 15% = 4,500 AED

Example 3: Abu Dhabi ADRPBF

Inputs

wage80,000 AED
employee_rate11%
employer_rate15%
cap200,000 AED

Calculation steps

  1. Employee: 80,000 × 11% = 8,800 AED
  2. Employer: 80,000 × 15% = 12,000 AED

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