GPSSA

What GPSSA does

GPSSA (General Pension and Social Security Authority) is the UAE federal government authority established under Federal Law No. 6 of 1999 and attached to the Ministry of Finance, with statutory responsibility for administering pensions and social insurance for UAE citizens. Its coverage spans federal government employees, local government employees (excluding Abu Dhabi and Sharjah local government), and private sector employees (excluding Abu Dhabi private sector), and it also manages benefits on behalf of the Ministry of Finance for certain retiree populations. As of January 2024, the authority served 134,838 insured persons and 47,667 retirees and beneficiaries, and it implements Federal Law No. 7 of 1999 and the updated Decree Law No. 57 of 2023.

The authority operates a unified digital services ecosystem centered on the Maashi (معاشى) platform, which provides member and employer self-service portals, online calculators for service-period merging and end-of-service benefits, a certificate validator, and a public Open Data portal publishing datasets via the UAE's Bayanat.ae platform. Distribution combines the gpssa.gov.ae digital portal, a 80010 call center (upgraded in June 2026 with AI-enhanced and autonomous-agent capabilities), physical Customer Happiness Centers across the UAE Emirates (including co-located sites at Sheikh Zayed Housing Program premises), and integration with the Sharik.ae Digital Participation Platform. Voice search and ReadSpeaker text-to-speech are deployed for accessibility, and a Proactive Data Update Service launched in 2025 to refresh beneficiary data automatically from cross-agency government sources. The authority holds WCAG 2.1 Level AA and UAE Design System Level AA accessibility certifications.

GPSSA's revenue model is statutory rather than commercial: it collects mandatory monthly pension contributions at a flat 20% of contribution salary (5% employee, 15% employer in the public sector; 5% employee, 12.5% employer, 2.5% government subsidy in the private sector), with a separate Insurance Protection Extension System for GCC nationals. Operating revenue and the authority's independent budget are not publicly disclosed. Strategic partnerships anchor its ecosystem reach, including formal data-exchange and integration agreements with MoHRE, ICP, the Abu Dhabi Retirement and Gratuity Fund, Abu Dhabi Police, health authorities in Abu Dhabi and Dubai, the Insurance Authority, Dubai Smart Government, the Sheikh Zayed Housing Program, and the Kuwait General Organization for Social Insurance, plus discount-card partnerships (Fazaa, Esaad) that extend non-pension benefits to retirees.

Name

GPSSA

Legal name

الهيئة العامة للمعاشات والتأمينات الاجتماعية

Website

https://gpssa.gov.ae

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

101–250 employees

Short description

GPSSA is the UAE federal authority that administers pensions and social insurance for UAE citizens in federal, local (ex-Abu Dhabi/Sharjah), and private (ex-Abu Dhabi) employment, serving 134,838 insured persons and 47,667 retirees (January 2024) via the Maashi digital platform, call center, and customer happiness centers.

Ownership category

akta.pro rank

Product category

Government Pension and Social Security Administration

NAICS

Pension Funds (525110), Health and Welfare Funds (525120), Insurance and Employee Benefit Funds (5251)

SIC

Hospital & Medical Service Plans (6324), Accident & Health Insurance (6321), Life Insurance (6311)

akta.pro primary industry

Healthcare-Linked Social Benefits Administration (e.g., Medicaid/Means-Tested Health Coverage) (BPAIAKAH)

Keywords

• Government pension administration
• Social security services
• Retirement benefits management
• Employee pension contributions
• End of service benefits

Headquarters

HQ city

Abu Dhabi

HQ country

United Arab Emirates

HQ region

Middle East

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Pricing tiers

Distribution channels4 records

Marketing channels7 records

Core offering

GPSSA administers mandatory pension and social security for UAE citizens employed in the federal government, local governments, and private sector (with specific exclusions). It collects statutory contributions, manages service-period consolidation, disburses retirement pensions and end-of-service benefits, provides workplace injury compensation, and coordinates cross-border pension coverage for citizens working in GCC countries under the Insurance Protection Extension System. Services are delivered through the Maashi digital platform, employer and member portals, customer happiness centers, and an AI-enhanced call center.

Product overview

GPSSA operates a unified digital services ecosystem centered on the معاشى (Maashi) platform, which provides pension and social security services to UAE citizens. The ecosystem includes member and employer self-service portals, online calculators (service merge calculator, end-of-service calculator), certificate validation, and a public open data portal. The platform integrates with multiple government agencies (MoHRE, ICP, health authorities) through the Emirati Work Bundle. Additional services include proactive data update capabilities, the Shourak service for end-of-service benefits, and digital participation tools for customer feedback.

Differentiator

Problem solved

Functional benefit

Products and services

• Maashi (معاشي) Digital Platform Unified digital platform providing pension and social security services to insured individuals, retirees, employers, and beneficiaries in the UAE, integrating member login, employer login, and various service requests.
• Service Merge Calculator (حاسبة ضم سنوات الخدمة) Online calculator enabling insured individuals to estimate the cost of merging previous service periods with current employment for pension calculation purposes.
• End of Service Calculator (حاسبة نهاية الخدمة) Online calculator for estimating end-of-service benefits and optimal retirement pension based on contribution salary and service periods.
• Certificate Validator (التحقق من الشهادات) Online service allowing verification of certificates issued by GPSSA using reference number and secret password.
• Member Portal (بوابة المتعامل) Self-service portal for insured individuals to manage accounts, submit requests, and track application status.
• Employer Portal (بوابة جهة العمل) Self-service portal for employers to register employees, submit contributions, and manage pension-related transactions.
• Proactive Services (الخدمات الاستباقية) Government-initiated services that automatically update beneficiary data including death status and marital changes without requiring customer requests, developed under the Ministry of Possibilities.
• Open Data Portal Public portal providing access to GPSSA statistical datasets including contributions, pensioners, employers, and service usage data in downloadable formats (XLS, CSV, JSON, XML).
• Shourak Service (خدمة شورك) Service allowing insured individuals who choose to benefit from Shourak at end of service to claim end-of-service bonuses after 6 months without finding new employment.
• Emirati Work Bundle in Private Sector Digital service bundle integrating MoHRE, ICP, GPSSA, and health authorities in Abu Dhabi and Dubai to streamline hiring procedures for Emiratis in the private sector.
• AI-Enhanced Call Center Telephone support service at 80010, enhanced with AI systems, available Monday to Thursday 7:30 AM - 3:30 PM and Friday 7:30 AM - 12:30 PM, designed to automate and improve customer service processes.
• Pension Payment Service Monthly pension disbursement service adjusting payments to occur before major festive periods including Eid Al Fitr and Eid Al Adha.
• Request Follow-up Service Service allowing customers to track the status of their complaints and service requests using case reference numbers.

Quantifiable outcome

• 134,838 insured persons covered as of January 2024
• +2 more outcomes

Segments7 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability6 records

Feature5 records

Partnerships

13 partnerships are on record, tiered core, minor and major.

• Ministry of Interior Social Support Fund (صندوق التكافل الاجتماعي)coreStrategic or Co-development PartnerPartnership to provide 'Fazaa' (فزعة) discount card for retirees and beneficiaries under GPSSA and Ministry of Finance military retirees. Card launched on International Happiness Day March 20, 2019, with centers operational from April 1, 2019.
• Ministry of Human Resources and Emiratisation (MoHRE)coreTechnology or IntegrationIntegration in Emirati Work Bundle digital service connecting MoHRE, ICP, GPSSA, and health authorities to streamline hiring procedures for Emiratis in private sector, supporting UAE's Zero Government Bureaucracy Programme.
• Federal Authority for Identity, Citizenship, Customs & Port Security (ICP)coreTechnology or IntegrationPartner in Emirati Work Bundle digital service for integrated government services covering full employment process from Nafis registration through pension enrollment.
• Health Authorities in Abu Dhabi and DubaicoreTechnology or IntegrationPartner in Emirati Work Bundle to cover full employment process including health-related procedures for Emiratis in private sector.
• Sheikh Zayed Housing Program (برنامج الشيخ زايد للإسكان)minorStrategic or Co-development PartnerOpened customer happiness centers at program premises in Ras Al Khaimah and Fujairah to serve retirees and beneficiaries.
• Abu Dhabi Retirement and Gratuity Fund (صندوق معاشات ومكافآت التقاعد لإمارة أبوظبي)coreStrategic or Co-development PartnerKey partner in implementing benefits exchange system between pension funds in UAE to facilitate employee transfers across sectors and consider their service as continuous.
• Federal Authority for Identity, Citizenship, Customs & Port Security (ICP)majorTechnology or IntegrationElectronic linkage and data exchange agreement. ID card accepted as primary source supporting electronic and smart services provided by both parties.
• Abu Dhabi Police (شرطة أبوظبي)majorTechnology or IntegrationAgreement for electronic linkage, information exchange, and utilization of services to ensure distinguished social services for retirees and beneficiaries.
• Insurance Authority (هيئة التأمين)minorStrategic or Co-development PartnerData exchange agreement supporting strategic vision in localization by providing accurate database of citizens working in insurance sector.
• Abu Dhabi Housing Authority (هيئة أبوظبي للإسكان)minorStrategic or Co-development PartnerPartnership for supporting and strengthening joint cooperation regarding citizen housing.
• Kuwait General Organization for Social Insurance (الهيئة العامة للتأمين الاجتماعي بالكويت)minorStrategic or Co-development PartnerMoU for cooperation in pension and social security matters between UAE and Kuwait.
• Esaad Discount Card Provider (Dubai Police)minorChannel Partner/ Reseller/ DistributorPartner providing discount cards for pensioners, listed as partner on GPSSA website.
• Fazaa Social Fund (صندوق فزعة)minorChannel Partner/ Reseller/ DistributorPartner providing discount cards for retirees and beneficiaries, listed as partner on GPSSA website.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Others

• Mercer (Marsh McLennan): Mercer provides pension administration consulting, actuarial, and investment advisory services to public and corporate pension schemes worldwide. It is a global ecosystem participant adjacent to GPSSA's mandate — relevant when GPSSA procures actuarial, investment, or modernization advisory services but not a competitor.

Regional players

• Public Authority for Social Insurance, Oman: Oman's PASI provides pensions and social insurance for Omani private-sector workers and runs GCC cross-border arrangements with GPSSA under the Insurance Protection Extension System. It is a same-architecture regional peer covering a smaller population in a neighboring GCC economy.
• General Retirement and Social Insurance Authority, Qatar: Qatar's GRSIA administers retirement pensions and social insurance for Qatari nationals under a statutory mandate similar to GPSSA's. It participates in the GCC Insurance Protection Extension System and is a comparable regional authority serving a neighboring GCC population.
• Social Insurance Organization, Bahrain: Bahrain's SIO manages social insurance and pension benefits for Bahraini nationals and is part of the GCC Insurance Protection Extension System with GPSSA. It is a smaller-scale regional peer with the same pension-and-social-security mandate.

Direct peers

• Abu Dhabi Retirement Pensions and Benefits Fund: The Abu Dhabi Retirement Pensions and Benefits Fund administers pensions and end-of-service benefits for Abu Dhabi government employees and private-sector workers — the population explicitly outside GPSSA's mandate. The two authorities co-operate on a benefits-exchange system, making them direct operational peers across the UAE's split pension landscape.
• General Organization for Social Insurance (GOSI), Saudi Arabia: GOSI administers social insurance and pension benefits for private-sector and government workers in Saudi Arabia under a similar statutory mandate. It is the closest functional peer to GPSSA, operating the same pension, end-of-service, and workplace-injury benefit model across a neighboring GCC economy.
• Kuwait General Organization for Social Insurance: Kuwait's pension authority manages civil and military retirement, end-of-service benefits, and social insurance for Kuwaiti nationals, with a mandate structurally parallel to GPSSA. The two authorities already maintain an MoU for cooperation in pension and social security matters, indicating functional and regulatory comparability.

Broad incumbents

• Employees' Provident Fund Organisation (EPFO), India: EPFO is one of the world's largest statutory provident-fund and pension administrators, managing retirement savings for tens of millions of Indian private-sector workers. While operating at far greater scale and in a different regulatory environment, EPFO is a comparable established player in mandatory employee-benefit fund administration.
• Government Pension Fund (Norway) / Norges Bank Investment Management (NBIM): NBIM manages Norway's Government Pension Fund Global, the world's largest sovereign wealth fund derived from national pension obligations. It is not a direct operating peer but represents the asset-management counterpart of a statutory pension system, illustrating the investment scale GPSSA's accumulated reserves could aspire to over time.
• Central Provident Fund (CPF) Board, Singapore: Singapore's CPF Board administers a national mandatory savings, healthcare, and pension scheme covering Singapore citizens and permanent residents. It is a mature global incumbent in statutory pension and social-security administration and a useful benchmark for digital-service maturity and proactive citizen engagement.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/GPSSAAE
• YouTubeyoutube.com/channel/UCbnhtGJPFqS7_hXWsz5QMdw
• Facebookfacebook.com/GPSSAAE
• Instagraminstagram.com/GPSSAAE
• LinkedInlinkedin.com/company/gpssaae

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about GPSSA