🇦🇪UAE

نقص الامتثال لمتطلبات الحفاظ على الاستحقاقات السابقة (Non-Compliance with Prior Entitlements Preservation)

2 verified sources

Definition

UAE Ministerial Resolution 668/2023 (governing the new Savings Scheme) explicitly requires preservation of prior entitlements when transitioning from the gratuity system. Employers must accurately calculate and preserve (or transfer) accrued gratuity based on years of service and salary history. Manual calculation and transfer processes introduce systematic errors. MOHRE investigations (triggered by employee complaints such as 'My employer didn't preserve my gratuity') can force employers to make lump-sum back-payments plus fines.

Key Findings

  • Financial Impact: Back-payment liability: AED 10,000–50,000+ per employee (depending on years of service and salary); potential MOHRE fines for non-compliance (amount varies case-by-case); legal costs for remediation.
  • Frequency: One-time per scheme transition event, but can affect dozens to hundreds of employees in single transition
  • Root Cause: Manual gratuity calculations based on spreadsheets; poor linking of legacy payroll systems to new scheme provider (e.g., HAYAH); lack of independent audit before transition; unclear responsibility between HR, Finance, and pension provider.

Why This Matters

This pain point represents a significant opportunity for B2B solutions targeting Pension Funds.

Affected Stakeholders

Finance Manager/Controller, Payroll Manager, HR Business Partner, Pension Scheme Administrator

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Financial Impact

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Current Workarounds

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Methodology & Sources

Data collected via OSINT from regulatory filings, industry audits, and verified case studies.

Evidence Sources:

Related Business Risks

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.

غرامات البيانات المضللة أو المخالفة للوائح (False Data & Intentional Non-Compliance Fines)

Up to AED 50,000 per employee; potential imprisonment for authorized corporate representative; indirect costs from legal defense and remediation.

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.

غرامات عدم تسجيل الموظفين في نظام المعاشات

AED 5,000+ fines per unregistered employee or missed contribution[2][5]

تكاليف إدارية زائدة لإعداد ملفات إنهاء الخدمة

20-40 hours per termination at AED 100/hour labor cost = AED 2,000-4,000 equivalent[3]

تأخير صرف المستحقات يتجاوز 14 يوم

Fines for payments beyond 14 days; estimated AED 1,000-5,000 per case[1][4]

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