Pension Funds Business Guide
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All 7 Documented Cases
تأخير دفع المساهمات المعاشية (Late Pension Contribution Payments)
0.1% daily fine on all overdue contributions (e.g., AED 100,000 contribution × 30-day delay = AED 3,000 fine); typical mid-size employer: AED 2,000–15,000/month exposure depending on contribution volume and payment discipline.Under UAE pension law, employers must remit both employer and employee contributions on time. The new 2023 Pensions Law specifies 15-day remittance windows. Late payments trigger daily fines at 0.1% of the contribution amount per day. For a typical mid-size employer remitting AED 100,000/month in contributions, a 30-day delay incurs AED 3,000 in fines alone; 60-day delays compound to AED 6,000+.
التأخر عن تسجيل المساهمين بالمعاشات - عقوبات متراكمة (Cumulative Late Registration Penalties)
AED 5,000 × number of late-registered employees; plus additional fines from GCC home countries (amounts vary: typically AED 500–5,000 per employee depending on source country); example: 50-employee cohort = AED 250,000+ baseline exposure.Unlike simple late payments, registration failures are per-employee and non-negotiable. A company that hires 50 employees and registers them 6 months late faces AED 250,000 in baseline fines (50 × AED 5,000). For GCC nationals, the home country's pension authority may impose additional fines, which are then collected by GPSSA from the UAE employer. These are cumulative, with no statute of limitations.
تأخير صرف المستحقات يتجاوز 14 يوم
Fines for payments beyond 14 days; estimated AED 1,000-5,000 per case[1][4]Late payments during plan termination expose employers to fines; pension funds handling compliance risk similar exposures in their operations.
غرامات عدم تسجيل الموظفين في نظام المعاشات
AED 5,000+ fines per unregistered employee or missed contribution[2][5]During plan termination compliance for UAE nationals, failure to properly register or update GPSSA/ADPF records results in administrative fines. This is a common pain in processing end-of-service benefits for pension-covered employees.