Government Schemes and Benefits in the United Arab Emirates
Savings incentives, family payments, pensions and home buying help in the UAE, each with a link to the official page.
Savings and End of Service
End of Service Gratuity
21 days of basic pay per year for the first five years and 30 days after, capped at two years' pay. Use the gratuity calculator to estimate yours.
Official siteVoluntary Savings Scheme for End of Service Benefits
A voluntary scheme where employers pay end of service benefits into an approved investment fund during your employment instead of one lump sum at the end, while keeping your Labour Law entitlement.
Official siteDIFC Employee Workplace Savings
In the DIFC free zone, end of service benefits are paid into DEWS, a funded workplace savings plan, instead of building up as an unfunded gratuity.
Official sitePension for UAE Nationals
Emirati employees in the public and private sectors must be registered for a pension with GPSSA or their emirate's pension fund.
Official siteWork and Income Support
Unemployment Insurance (ILOE)
Subscribe through the ILOE portal, your bank's app or kiosks: AED 5 a month if your basic salary is up to AED 16,000, AED 10 above that.
Official siteWage Protection System
Private sector salaries must be paid through the WPS, so late or missing pay is visible to MOHRE.
Official siteNafis
The federal programme supporting UAE nationals who work in the private sector, with financial support and training.
Official siteSocial Support for UAE Nationals
Federal social welfare programmes for Emirati families on low income.
Official siteHousing
Sheikh Zayed Housing Programme
Interest free housing loans over up to 25 years and grants for UAE nationals on low incomes, now run by the Ministry of Energy and Infrastructure. Abu Dhabi nationals apply to the Abu Dhabi Housing Authority.
Official siteMohammed Bin Rashid Housing Establishment
Residential plots, ready homes, housing loans and home extensions for UAE nationals in Dubai.
Official siteChecked October 2026. Rules and amounts change, so confirm on the official page before you rely on a figure. Who to check with in the United Arab Emirates.