Updated based on 2026 laws/rates — always verify with the official authority.
UAE - Social Insurance
Estimated calculator and practical guide for Social Insurance in Kuwait, Saudi Arabia and UAE. Social insurance rates may change and may vary by nationality, subscription date, sector, and contributory wage. Estimate lamang ito; always check the official authority.
Manual rate override: Practical guidance lamang ito; always review your contract and official authority kapag may dispute.
Social Insurance Calculator
Social insurance rates may change and may vary by nationality, subscription date, sector, and contributory wage. Estimate lamang ito; always check the official authority.
For GCC nationals working in another GCC state, the extension protection system applies the employee’s home-country rates and caps, while respecting the employer-share limit in the country of work and adding occupational hazard cover where applicable.
Estimated result
Employee share-
Employer share-
Government support-
Employee-borne extension difference-
Host-country occupational hazards-
Total-
Approx. net-
Employer cost-
Social Insurance
| Who is covered? | UAE pension/social security mainly applies to UAE nationals and certain GCC nationals under applicable rules; non-GCC expatriates usually rely on end-of-service gratuity rather than UAE pension contributions. |
|---|---|
| What wage is subject to contributions? | The contribution account salary may differ from gross salary and must be checked against GPSSA or local authority rules. |
| Employee share | The simplified UAE national model uses 11% employee share. |
| Employer share | The simplified model uses 15% employer share, with possible government support or different handling in certain private-sector cases. |
| Maximum cap | Caps and rules vary by law/sector; check GPSSA or the relevant local pension authority. |
| Difference between social insurance and end-of-service | Social insurance is a monthly contribution; end-of-service is a final settlement when employment ends. |
Social insurance rates may change and may vary by nationality, subscription date, sector, and contributory wage. Estimate lamang ito; always check the official authority.
Report an outdated rate or cap
If may napansin kang changed rate or cap, i-flag muna before relying on the result.
Report an outdated rate or cap
If may napansin kang changed rate or cap, i-flag muna before relying on the result.
Report an outdated rate or cap
Insurance Academy
Learn how Social Insurance is calculated step-by-step with examples for Kuwait, Saudi Arabia, UAE and GCC extension protection.
Learn calculation