How to get your United Arab Emirates pension statement

GPSSA contribution statement (Ma'ashi)

Known in English as the Pension contribution statement / end-of-service settlement. Look for this name on the site — it may not be translated.

• Whether you are a UAE or GCC national, or an expatriate employee — this decides which document exists for you.
• For nationals: a UAE PASS digital identity, which is what the Ma'ashi platform authenticates against.
• For expatriates: your employment contracts, basic-salary history and joining and leaving dates. Gratuity is calculated on basic salary, not total package, which is where most disputes start.

1. 1
   Establish which system covered you

   GPSSA covers UAE nationals federally, with separate funds in Abu Dhabi and Sharjah. Expatriate employees are not in it — their entitlement is the end-of-service gratuity from the employer, plus any workplace savings scheme.
2. 2
   Nationals: sign in to Ma'ashi

   The Ma'ashi digital platform, launched in 2024, is where contribution records and pension claims are handled.

   Open this page ↗
3. 3
   Nationals: check your contribution record and service years

   Employers must notify GPSSA within days of a termination, so a gap often traces to an employer that failed to report.

   Open this page ↗
4. 4
   Expatriates: check for a workplace savings scheme

   If you worked in the DIFC, your employer was required to enrol you in a funded scheme (DEWS or an approved alternative) rather than accruing gratuity on the books. That is a real account with a balance and a provider — and it is easy to leave behind.
5. 5
   Collect the evidence you actually have

   For a gratuity claim, the documents are the contract, the salary certificate and the final settlement. Keep them: there is no central authority holding a record for you.

You were an expatriate employee, so the pension authority has no record of you

That is the expected answer, not a lost record. Your entitlement is the end-of-service gratuity your employer owes, calculated from your basic salary and length of service under the labour law. Your employment contract and final settlement are the documents, and PensionChart's free Gulf gratuity calculator will show you what the statutory formula produces.

You worked in a free zone and are unsure which rules applied

DIFC and ADGM have their own employment regimes, and DIFC replaced accrued gratuity with a funded scheme in 2020. Check which zone your employer was registered in before assuming the federal rule applied.

Your employer never paid the gratuity

The Ministry of Human Resources and Emiratisation handles labour complaints, and free-zone authorities have their own channels. Claims are time-limited, so act rather than wait.

Whether GPSSA issues a contribution statement to a former member living outside the UAE without UAE PASS.

Upload the statement to your vault and we'll read the figures out of it — balances, benefits, vesting and retirement ages — and tell you what changed since your last one.