UAE Labour / Employment LawLaw No. (21) of 2008 Concerning Pensions and Social Insurance of Local Paramilitary Personnel of the Government of Dubai

Article (2) The following words and expressions, wherever mentioned in this Law, will have the meaning indicated opposite each of them unless the context implies otherwise: UAE: The United Arab Emirates. Emirate: The Emirate of Dubai. Ruler: His Highness the Ruler of Dubai. Government: The Government of Dubai. Chief: The Chief of Police and General Security. DOF: The Department of Finance of the Government of Dubai. Division: The Division of Pensions and Social Insurance of Local Paramilitary Personnel of the Government of Dubai established within the DOF. Fund: The Fund for Pensions and Social Insurance of Paramilitaries. Department: Any of the departments that are governed by Law No. (2) of 2008 Concerning Human Resources Management of Local Paramilitary Personnel of the Government of Dubai and that are stated in Resolution No. (3) of 2008 Determining the Departments Governed by Law No. (2) of 2008 Concerning Human Resources Management of Local Paramilitary Personnel of the Government of Dubai.

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Law No. (21) of 2008 Concerning Pensions and Social Insurance of Local Paramilitary Personnel of the Government of Dubai Page 3 of 27 Director General: The director general of a Department or any other officer holding a similar position. UAE National: Any person holding the UAE nationality. Paramilitary: Any of the regular Officers, Non-commissioned Officers, or Constables serving in a Department. Staff Member: A male or female UAE-national Paramilitary who is serving in a Department and holding a paramilitary or semi-military rank. Pension: An amount payable on a monthly basis to a Pensioner or his Beneficiaries pursuant to this Law. Pensioner: A Staff Member whose service has ended, and who is entitled to a Pension pursuant to this Law. Beneficiary: Any person who becomes entitled to a Pension Share pursuant to this Law upon the death of a Pensioner. Pension Share: An amount payable on a monthly basis to a Beneficiary pursuant to this Law. Pensionable/ Gratuitable Service Period: The period of service determined by this Law in respect of which a Pension and/ or gratuity is payable. Minimum Pensionable Service Period: A period of twenty (20) years of service, including the actual period of service, and the Previous Creditable Service Periods and Additional Creditable Service Periods that may be included in the calculation of the same pursuant to this Law. Maximum Pensionable Service Period: A period of thirty-five (35) years of service, including the actual period of service, and the Previous Creditable Service Periods and Additional Creditable Service Periods that may be included in the calculation of the same pursuant to this Law. Additional Creditable Service Periods: Nominal service periods that are included in the calculation of a Pensionable/ Gratuitable Service Period by a resolution of the Chief.

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Law No. (21) of 2008 Concerning Pensions and Social Insurance of Local Paramilitary Personnel of the Government of Dubai Page 4 of 27 Previous Creditable Service Periods: Actual previous military, paramilitary, or civil service periods that may be added to a current service period pursuant to this Law. Pensionable Salary: Ninety percent (90%) of the last Basic Salary of a Staff Member plus any general allowance, security allowance, or investigation allowance, as the case may be, to which a Staff Member is entitled. Retirement/ End-of- service Gratuity Eligible Salary: The last Basic Salary of a Staff Member. Domestic Security Operation: An operation that involves performing internal security duties or rescue and fire-fighting duties on land, on sea, or in the air. This includes administrative and law enforcement duties, and officially assigned duties performed outside the territory of the UAE. Martyr: A Staff Member who dies in the course, or as a result, of performing a Domestic Security Operation. A Staff Member will be deemed a Martyr if he dies: 1. while engaging in armed combat with outlaws, criminals, wanted persons, traffickers, or infiltrators; 2. while on a mission to maintain security and safety; 3. while performing fire-fighting and rescue operations; 4. while engaging in live ammunition training or exercises; 5. in an accident involving an aircraft, ship, boat, or other vehicle, that occurs as a result of security training or exercises; 6. in an air landing or diving accident; or 7. in a mines or explosives accident Missing Person: A Staff Member who is neither officially confirmed as dead nor confirmed to be alive pursuant to a court judgement. Medical Committee: A committee formed pursuant to a resolution of a Director General, or formed in coordination with an official medical entity accredited in the Emirate.

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Law No. (21) of 2008 Concerning Pensions and Social Insurance of Local Paramilitary Personnel of the Government of Dubai Page 5 of 27 Occupational Injury: An injury suffered by a Staff Member in an accident that occurs in the course or as a result of performing his duty, or the suffering of an Occupational Disease or death by reason of occupational exhaustion or fatigue, as evidenced by a report issued by a Medical Committee. Occupational Injury is deemed to include any injury suffered in an accident that occurs during field training or exercises; mobilisation; or while commuting to or from work, provided that this commuting does not involve stops, delays, or deviation from the normal route to work. Occupational Disease: A disease that is common exclusively among persons engaged in particular profession(s). The percentage of disability caused by an Occupational Disease will be assessed by the relevant Medical Committee. Total Disability: Any injury that may permanently cause a total loss, or a partial loss that constitutes at least fifty percent (50%), of a Staff Member’s ability to engage in any occupation and earn a living. This injury must have resulted from service, as evidenced by a report from a Medical Committee. Partial Disability: Any injury that may permanently cause a partial loss that constitutes less than fifty percent (50%) of a Staff Member’s ability to engage in any occupation and earn a living. This injury must have resulted from service, as evidenced by a report from a Medical Committee. Scope of Application of the Law

Article (4) 1. A fund named the “Fund for Pensions and Social Insurance of Paramilitaries” is hereby established within the DOF. The financial resources of the Fund will consist of: a. the monthly contributions stipulated in Article (7) of this Law; b. the amounts collected from Staff Members for crediting their previous service periods; c. the monthly financial support allocated by the Government to the Fund, which is equal to double the contributions stipulated in Article (7) of this Law; d. returns on the investment of the Fund’s property; e. any amounts payable to the Fund pursuant to this Law; and f. the donations, gifts, and grants provided to the Fund. 2. The director of the Division will manage and supervise the Fund. Fund Resources Account

Article (10) 1. The following will be included in calculating the Pensionable/ Gratuitable Service Period: a. periods of secondment, assignment of the duties of other posts, scholarship, specialised training courses, and leave; and b. Additional Creditable Service Periods, which are deemed as part of the actual service periods. The deduction percentage stipulated in Article (7) of this Law will not apply in respect of these periods. 2. Subject to the provisions of paragraph (1) of this Article, the following will not be included in calculating the Pensionable/ Gratuitable Service Period:

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Law No. (21) of 2008 Concerning Pensions and Social Insurance of Local Paramilitary Personnel of the Government of Dubai Page 8 of 27 a. periods of study spent by a Cadet in any accredited police or academic institute or college or any other educational institution, including pilot training institutes within or outside of the UAE; b. periods of scholarship spent by a Staff Member to obtain a bachelor's degree or a diploma from a college; c. periods of unpaid leave; and d. periods of absence, suspension from service, or failure to report for duty, unless the Staff Member is cleared of the relevant offence attributed to him. Staff Member End-of-service Entitlements

Article (13) 1. Pension will be calculated at seventy percent (70%) of the last Pensionable Salary where a Staff Member completes a Pensionable Service Period of twenty (20) years. This percentage will be increased by two percent (2%) for every year in excess of this period, provided that the percentage does not exceed one hundred percent (100%) of the Pensionable Salary where the period of service of the Staff Member reaches or exceeds thirty-five (35) years.

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Law No. (21) of 2008 Concerning Pensions and Social Insurance of Local Paramilitary Personnel of the Government of Dubai Page 9 of 27 2. A Pension may not be less than ten thousand Dirhams (AED 10,000.00). 3. The security allowance or the investigation allowance may be included in the Pensionable Salary only if the Staff Member has been entitled to this allowance for a minimum of the last five (5) consecutive years of the Pensionable Service Period. 4. Where the period of service of the Staff Member exceeds thirty-five (35) years, he will be awarded a retirement gratuity of a two-month salary for every year of service based on the Pensionable Salary. Pension Entitlement Date

Article (16) Where a Staff Member suffers an Occupational Injury that causes his death or causes him to sustain a Partial Disability that leads to the termination of his service on grounds of medical unfitness upon the recommendation of a Medical Committee, his Pension will be calculated based on the assumption that he has completed a service period of twenty-five (25) years. Where his

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Law No. (21) of 2008 Concerning Pensions and Social Insurance of Local Paramilitary Personnel of the Government of Dubai Page 10 of 27 actual service period is more than twenty-five (25) years, the Pension will be calculated based on the actual service period. Calculation of Pension in Case of Death or Medical Unfitness

Article (18) 1. The Beneficiaries of a Missing Person who has gone missing in a Domestic Security Operation, or while in service or as a result thereof, will be paid a temporary monthly Pension equal to the Pension to which they would have been entitled had the Missing Person died a Martyr, or died while in service or as a result thereof, as the case may be. 2. A Missing Person who has gone missing during a Domestic Security Operation will be declared a Martyr two (2) years after going missing, in which case, the Director General will, within thirty (30) days, issue a resolution declaring that person a Martyr and awarding Pension to his Beneficiaries. A Missing Person who has gone missing while in service or as a result thereof will be considered to have died two (2) years after going missing. 3. Where it is established that a Missing Person is alive, the payment of Pension Shares to his Beneficiaries will be discontinued and his case will be decided based on the relevant investigation findings. Where it is established that the absence of a Missing Person is not justifiable, the Division will have the right of recourse against him to recover the Pension payments that have already been disbursed. Where it is established that his absence is justifiable, the amounts paid to his Beneficiaries will be set off against his entitlements, and if his entitlements exceed the amounts paid to the Beneficiaries, the balance will be paid to him.

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Law No. (21) of 2008 Concerning Pensions and Social Insurance of Local Paramilitary Personnel of the Government of Dubai Page 11 of 27 Transfer of Right to Pension

Article (24) A Pension Share of a son or brother will be discontinued upon his employment or when he reaches twenty-one (21) years of age, whichever comes first. However, the payment of a Pension Share to a son or brother who reaches twenty-one (21) years of age will continue in the following cases and subject to the following conditions: a. where he becomes incapable of earning a living, as evidenced by a report of a Medical Committee. Such incapability must be verified once a year unless the Medical Committee states that it is permanent; and b. where he is a student, in which case he will be paid the Pension Share until he becomes employed, engages in an occupation, or reaches twenty-four (24) years of age, whichever comes first. A student who reaches twenty-four (24) years of age during an academic year will be entitled to a Pension Share until the end of that academic year. Discontinuance/ Resumption of Pension Shares of Widows, Daughters, or Sisters

Article (30) 1. A Pensioner may be entitled to both a Pension and a gratuity, or to both a Pension and a salary received on a monthly basis from the Federal Government; from the government of another member emirate of the UAE Union; or from a company, establishment, agency, or bank in which the Federal Government or the government of that other emirate holds shares.

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Law No. (21) of 2008 Concerning Pensions and Social Insurance of Local Paramilitary Personnel of the Government of Dubai Page 14 of 27 2. A Pensioner may be entitled to multiple pensions from the entities referred to in the preceding paragraph. Cases Where Entitlement to Multiple Pensions or to Both Pension and Salary/ Gratuity is Not Allowed

Article (32) 1. Without prejudice to the provisions applicable to the periods of service completed prior to the effective date of this Law, a Staff Member who is not eligible for a Pension upon the end of his service will be paid an end-of-service gratuity as follows: a. one-month salary per year for the first five (5) years of service; b. two-month salary per year for the following five (5) years of service; and c. three-month salary per year for years in excess of the above-mentioned periods. 2. A Staff Member will not be entitled to an end-of-service gratuity if his period of service with a Department is less than one (1) year. 3. The end-of-service gratuity stipulated in paragraph (1) of this Article will be calculated based on the last monthly Basic Salary to which the Staff Member was entitled upon the end of his service. 4. A month means a calendar month, and a part of a month will be rounded up to a full month.

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Law No. (21) of 2008 Concerning Pensions and Social Insurance of Local Paramilitary Personnel of the Government of Dubai Page 15 of 27 End of Staff Members' Service Prior to Completing Pensionable/ Gratuitable Service Periods

Article (36) 1. A Staff Member will forfeit all rights and benefits granted to him under this Law in any of the following cases: a. revocation or withdrawal of his UAE nationality; b. if he is convicted, by a final judgement, of a crime that compromises the internal or external state security, or of a terrorist or human trafficking crime;

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Law No. (21) of 2008 Concerning Pensions and Social Insurance of Local Paramilitary Personnel of the Government of Dubai Page 16 of 27 c. if he is convicted, by a final judgement, of embezzlement or misappropriation of public funds, bribery, drug trafficking, or drug possession with intent to sell; d. if his service is terminated due to desertion for a period exceeding ninety (90) consecutive days; e. if his service is terminated because he has joined the service through fraud or through providing false or forged information; f. if he joins the service of a foreign state without a permission from the competent authorities; g. if he is stripped of rank and dismissed from service; or h. if he is dismissed from service. 2. In all the above cases, upon the death of the Staff Member, his Beneficiaries will be entitled to three-quarters of the Pension or gratuity, which will be distributed to them in accordance with the provisions of this Law. Chapter Eight Previous Service Periods Crediting Previous Service Periods

Article (38) Crediting a service period referred to in the preceding Article will be subject to the following conditions:

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Law No. (21) of 2008 Concerning Pensions and Social Insurance of Local Paramilitary Personnel of the Government of Dubai Page 17 of 27 1. A Staff Member must submit a written application for crediting the service period before the end of his current service. The application must be accompanied by supporting certificates and documents. 2. The service period to be credited must not have been terminated due to any of the reasons for forfeiture of Pension or gratuity stipulated in Article (36) of this Law or in any other legislation in force in the UAE. 3. The applicant must pay the contribution percentage stipulated in Article (7) of this Law unless he has already paid the same to his previous employer. This percentage will be calculated based on the Pensionable Salary of the applicant at the time of submission of his application. 4. Any gratuity paid to the applicant in respect of the previous service period must be repaid. 5. Except in cases of death or medical unfitness, the current service of the applicant must not end before the lapse of ten (10) years of service, otherwise the amounts deducted for crediting the previous service period will be repaid to him and his entitlements will be calculated based on the current service period only. 6. The applicant must have held the UAE nationality at the end of the previous service to be credited. Service Periods Preceding the Acquisition of UAE Nationality by Paramilitaries

Article (39) Without prejudice to the provisions of paragraph (6) of Article (38) of this Law, where a Paramilitary acquires the UAE nationality during his service with a Department, he will be governed by this Law and the period of his service with the Department, or with any of the entities referred to in Article (37) of this Law, which is completed before the acquisition of the UAE nationality will be included in calculating his Pension or gratuity. This rule will apply on condition that the Paramilitary pays, in respect of the years of this previous service, fifteen percent (15%) of the Pensionable Salary to which he was entitled on the date of acquiring the UAE nationality or on the effective date of this Law, whichever is higher. The provisions of this Article will apply to all cases predating the issuance of this Law.

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Law No. (21) of 2008 Concerning Pensions and Social Insurance of Local Paramilitary Personnel of the Government of Dubai Page 18 of 27 Previous Service Periods of Paramilitaries Holding Initial Approvals to Acquire the UAE Nationality

Article (40) Where a Paramilitary has been issued, during his service with a Department, with an initial approval by the Ruler to be granted the UAE nationality and has been issued with a passport, the period of his service with the Department, or with any of the entities stipulated in Article (37) of this Law, which is completed before he was granted this approval will be included in calculating his Pension or gratuity. This rule will apply on condition that the Paramilitary pays, in respect of the years of this previous service, five percent (5%) of the Basic Salary to which he was entitled on the date of issuing the initial approval or on the effective date of this Law, whichever is higher. The end-of-service gratuity will be calculated in accordance with the provisions of Article (49) of this Law. Upon acquiring the UAE nationality, the Paramilitary will be governed by this Law and his entitlements will be calculated in accordance with the provisions of Article (39) of this Law. Repayment of Amounts Owed to the Fund

Article (41) 1. Except where a Staff Member requests to repay the total amount of gratuity in a single payment, an amount owed to the Fund pursuant to this Law will be repaid by making a first payment of twenty-five percent (25%) of the amount, and payment of the balance in no more than seventy-two (72) monthly instalments, or in instalments of twenty-five percent (25%) of the Basic Salary each, whichever is higher. Where the Staff Member’s service ends before the full payment of all instalments, the outstanding amount will be deducted from his Pension or retirement gratuity, as the case may be. 2. Where a Staff Member’s service ends upon his Martyrdom or upon his death due to an Occupational Injury, or where his service is terminated for medical unfitness as a result of a Total Disability or Partial Disability caused by an Occupational Injury, the obligation to repay the outstanding instalments payable by him will be extinguished, otherwise the outstanding balance will be deducted from his Pension or from the Pension Shares of his Beneficiaries in proportion to their respective shares. 3. Upon the recommendation of the Director General, the director of the Division may, in special cases he determines at his sole discretion, exempt a Staff Member from the obligation to pay the percentage stipulated in paragraph (1) of this Article or any part thereof, provided that the outstanding balance is paid in no more than seventy-two (72) monthly instalments, or in instalments of twenty-five percent (25%) of the Basic Salary each, whichever is higher.

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Law No. (21) of 2008 Concerning Pensions and Social Insurance of Local Paramilitary Personnel of the Government of Dubai Page 19 of 27 Chapter Nine Death Compensation and Death Benefit Death Compensation

Article (42) 1. Where a Staff Member dies a Martyr, his dependants will be entitled to a compensation amount of two hundred and fifty thousand Dirhams (AED 250,000.00); and where he dies due to an Occupational Injury, his dependants will be entitled to a compensation amount of two hundred thousand Dirhams (AED 200,000.00). Where a Staff Member dies while in service, his dependants will be entitled to a compensation amount of one hundred thousand Dirhams (AED 100,000.00). 2. The compensation stipulated in paragraph (1) of this Article will be paid in full to the dependant. In case of multiple dependants, the compensation amount will be equally distributed among them. Where a Staff Member has no dependants, the compensation amount will be distributed to his heirs in accordance with the Islamic Sharia inheritance provisions. 3. Where a Staff Member suffers a Total Disability due to engaging in Domestic Security Operations, he will be paid a compensation amount of two hundred and fifty thousand Dirhams (AED 250,000.00); and where he suffers a Total Disability caused by an Occupational Injury, he will be paid a compensation amount of two hundred thousand Dirhams (AED 200,000.00). 4. Where a Staff Member suffers a Partial Disability due to engaging in a Domestic Security Operation or as a result of an Occupational Injury, he will be paid a compensation amount to be calculated by multiplying the percentage of his disability by the amount of the compensation referred to in paragraph (3) of this Article. 5. After the condition of a Staff Member stabilises, the disability percentage referred to in paragraph (4) of this Article will be determined by a final decision issued by a Medical Committee as per Schedule (2) attached hereto. Where a disability is not mentioned in Schedule (2), the disability percentage will be determined based on the extent of the Staff Member's inability to earn a living. This percentage must be stated in a report issued by the Medical Committee.

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Law No. (21) of 2008 Concerning Pensions and Social Insurance of Local Paramilitary Personnel of the Government of Dubai Page 20 of 27 Forfeiture of Death Compensation

Article (47) 1. Five percent (5%) of a Staff Member's Pension or end-of-service gratuity will be deducted in any of the following cases: a. termination of service pursuant to a disciplinary decision; b. termination of service by involuntary retirement in accordance with Article (43) of this Law; or c. end of service upon the request of the Staff Member, where he has not completed twenty- five (25) years of actual service. 2. A Pension may be subject to attachment or deduction only to pay an alimony awarded by a judgment or any other outstanding liabilities to the government, or to recover any unlawfully paid amounts. In either case, the deduction may not exceed twenty-five percent (25%) of the Pension. In case of multiple outstanding debts, the alimony will have priority over other debts. Retirement Compensation

Article (55) This Law will be published in the Official Gazette and will come into force on 1 September 2008. Mohammed bin Rashid Al Maktoum Ruler of Dubai

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Law No. (21) of 2008 Concerning Pensions and Social Insurance of Local Paramilitary Personnel of the Government of Dubai Page 23 of 27 Issued in Dubai on 19 August 2008 Corresponding to 18 Shaban 1429 A.H.

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Law No. (21) of 2008 Concerning Pensions and Social Insurance of Local Paramilitary Personnel of the Government of Dubai Page 24 of 27 Schedule (1) Beneficiaries and their Pension Shares SN Beneficiaries Pension Shares Widow or Husband Children Parents Siblings 1 Widow(s) or eligible husband, one or more children, father and/ or mother, and any other Beneficiary 3/8 3/8 1/8 1/8 2 Widow(s) or eligible husband, one or more children, and father and/ or mother 3/8 4/8 1/8 ـــــــــــــــــــــــــــ 3 Widow(s) or eligible husband, one or more children, and one or more siblings 3/8 4/8 ـــــــــــــــــــــــــــ 1/8 4 Widow(s) or eligible husband, father and/ or mother, and one or more siblings 1/2 ـــــــــــــــــــــــــــ 1/4 1/4 5 Widow(s) or eligible husband, and one or more children 3/8 5/8 ـــــــــــــــــــــــــــ ـــــــــــــــــــــــــــ 6 Widow(s) or eligible husband, and father and/ or mother 1/2 ـــــــــــــــــــــــــــ 1/2 ـــــــــــــــــــــــــــ 7 Widow(s) or eligible husband, and one or more siblings 1/2 ـــــــــــــــــــــــــــ ـــــــــــــــــــــــــــ 1/2 8 Widow(s) or eligible husband 3/4 ـــــــــــــــــــــــــــ ـــــــــــــــــــــــــــ ـــــــــــــــــــــــــــ 9 One or more children ـــــــــــــــــــــــــــ The whole Pension ـــــــــــــــــــــــــــ ـــــــــــــــــــــــــــ

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Law No. (21) of 2008 Concerning Pensions and Social Insurance of Local Paramilitary Personnel of the Government of Dubai Page 25 of 27 10 One or more children, and father and/ or mother ـــــــــــــــــــــــــــ 7/8 1/8 ـــــــــــــــــــــــــــ 11 One or more children, and one or more siblings ـــــــــــــــــــــــــــ 7/8 ـــــــــــــــــــــــــــ 1/8 12 One or more children, father and/ or mother, and one or more siblings ـــــــــــــــــــــــــــ 6/8 1/8 1/8 13 Father and/ or mother, and one or more siblings ـــــــــــــــــــــــــــ ـــــــــــــــــــــــــــ 3/5 2/5 14 Father and/ or mother ـــــــــــــــــــــــــــ ـــــــــــــــــــــــــــ 3/4 ـــــــــــــــــــــــــــ 15 One or more siblings ـــــــــــــــــــــــــــ ـــــــــــــــــــــــــــ ـــــــــــــــــــــــــــ 1/2 Schedule (1) (Continued) 1. The terms 'children' and 'siblings' in Schedule (1) will include males and females. 2. Where more than one Beneficiary is entitled to a Pension Share, this share will be equally distributed among them. 3. A husband will not be entitled to the Pension of his deceased wife unless he was, at the time of her death, medically unfit to earn a living, as evidenced by a report from a Medical Committee. His medical unfitness must be verified once every two (2) years unless the Medical Committee confirms the improbability of his recovery. 4. Where a parent who is eligible for a Pension Share dies, the Pension Share will be transferred to the other parent if he is also eligible. Where both parents die, the Pension Share will be redistributed to the children of the Pensioner. 5. Where the Pension Share of a sibling is discontinued, it will be redistributed to the other siblings. Where no other eligible siblings exist, the Pension Share will be redistributed to the children of the Pensioner. 6. Where the Pension Shares of the siblings are discontinued and the parents are the only Beneficiaries, these shares will be redistributed to the parents, provided that their total shares do not exceed three-quarters of the Pension. 7. Where the Pension Shares of the parents are discontinued and the siblings are the only Beneficiaries, these shares will be redistributed to the siblings, provided that their total shares do not exceed one half of the Pension.

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Law No. (21) of 2008 Concerning Pensions and Social Insurance of Local Paramilitary Personnel of the Government of Dubai Page 26 of 27 8. Where the Pension Shares of the siblings are discontinued and the widow(s) is/ are the only beneficiary(ies), these shares will be equally redistributed to the widows, provided that their total shares do not exceed three-quarters of the Pension. 9. Where the Pension Shares of the parents or that of any of them is discontinued and the widow(s) is/ are the only beneficiary(ies), these shares will be equally redistributed to the widow(s), provided that their total shares do not exceed three-quarters of the Pension. 10. Unclaimed Pension Shares will revert to the Fund. Schedule (2) Disability Assessment in Case of Loss of Organ SN Resulting Disability Disability Percentage 1 Amputation of the right arm at the shoulder-joint 80% 2 Above-elbow amputation of the right arm 75% 3 Below-elbow amputation of the right arm 65% 4 Amputation of the left arm at the shoulder-joint 70% 5 Above-elbow amputation of the left arm 65% 6 Below-elbow amputation of the left arm 55% 7 Above-knee amputation of leg 65% 8 Below-knee amputation of leg 55% 9 Total loss of hearing 55% 10 Loss of an eye 35% Left Right 11 Amputation of a thumb 25% 30% 12 Amputation of distal phalanx of thumb 15% 18%

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Law No. (21) of 2008 Concerning Pensions and Social Insurance of Local Paramilitary Personnel of the Government of Dubai Page 27 of 27 13 Amputation of a forefinger 10% 12% 14 Amputation of distal phalanx of forefinger 5% 6% 15 Amputation of distal and proximal phalanx of forefinger 8% 10% 16 Amputation of the middle finger 8% 10% 17 Amputation of the proximal phalanx of the middle finger 4% 5% 18 Amputation of distal and proximal phalanx of the middle finger 6% 8% 19 Amputation of other than the forefinger, the thumb, and the middle finger 5% 6%

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