General UAE Legal Questions LawFederal Law No. (7) of 1999 Promulgating the Pensions and Social Security Law

Article (1) In the implementation of this law, the following words and phrases shall bear the meanings ascribed to them herein, unless otherwise stated: State : The United Arab Emirates Authority : The General Authority for Pensions and Social Insurance Board of Directors : The Board of Directors of the Authority Employer : a. In the Government Sector: The federal government bodies, the public institutions, the general establishments, the general companies and the banks in which the federal government contributes, in addition to the local government bodies which the government of the emirate desires to subjugate to this law. b. In the Private Sector: Every normal or juridical person employs UAE employers for a salary of whatever kind.

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Federal Law No. (7) OF 1999 Promulgating the Pensions and Social Security Law 5 The Insured : Every UAE national for whom these articles of the law are applicable. Subscription Period : The duration of service for which the insured person deserves a pension or remuneration according the conditions and pursuant to the law. Pensioner : Everybody whose service has terminated and deserves a pension according to the provisions of the law Pensioning off age : The age of sixty Pension : The amount of money which becomes regularly payable by the Authority every month to the pensioner or to the pensioner's deserving persons as per the articles of the law The deserving person : Every person who deserves a portion in the pension due the death of the insured person or the pensioner. The term of service : Every term of service the insured person spent working and during which he has been subject to the pensions system, as well as the terms he may add together as per the provisions of the law. Work injury : The injury caused by an accident during performance of work or caused by it or infected by work related diseases, and the death caused by stress or exhaustion of work shall be considered work injury whenever the rules and requirements of the minister's decision are met by an agreement with the minister of health, and the injury shall be considered work injury when an accident takes place

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Federal Law No. (7) OF 1999 Promulgating the Pensions and Social Security Law 6 to the insured person while going to or coming back from work. Work related disease : The disease which spreads increasingly among people of the same occupation or different occupations, as stated in table No (1) annexed to Federal Law No (8) of 1980 referred to herein. The percentage of the disability caused by work related disease shall be estimated by the concerned medical committee, and the disease shall be deemed as an occupational disease if the insured person is infected while doing his/her work or within one year from the date of leaving work. The Injured : Every injured person suffering a work related injury The patient : A person who gets sick or has an accident shall not be considered work related injury. Total disability : Every disability which prohibits the insured person from performing any occupation or job whether totally or permanently to earn a living, and that should confirmed by a decision from the concerned medical committee after stability of the condition, including complete loss of sight, or loss of the two arms or legs or loss of an arm and a leg and cases of mental diseases, or chronic and incurable diseases which are specified by a decision from the Minister of Health. Partial Disability : Every disability which may permanently affect the ability

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Federal Law No. (7) OF 1999 Promulgating the Pensions and Social Security Law 7 of the insured person to perform his/her job in his/her original occupation or earn a living generally, and the said disability should be caused by a work related injury by a decision from the concerned medical committee after stability of the condition, as stated in table No (2) annexed herein, which explains the degrees of disability in cases of organic loss, if the disability is not as stated in the table herein, then the percentage of disability of the injured person to earn a living shall then be estimated by the medical committee provided that the percentage of the injury is mentioned in the report of the medical committee referred to. And if the disability does have special effect on the ability of the injured person to earn a living in his/her original occupation, then the job which the injured person does should be mentioned in details explaining the mentioned in details explaining the effect of that with regard to increasing the degree of disability in those cases from the percentage referred to in table No (2) herein. Natural death : the death which is not caused by work related injuries The concerned medical Committee : The medical committee on whose report basis the decision of the Minister of Health is issued The Subscription Account Salary : a. As for the government sector: The basic salary of the injured Person added to it the monthly

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Federal Law No. (7) OF 1999 Promulgating the Pensions and Social Security Law 8 allowances given to him/her as follows: Living expense allowance, social allowance for children, social allowance for UAE nationals and accommodation allowance allocated for his/her grade, and the accommodation allowance shall be estimated on monthly basis by dividing it to the number of the months of year, provided that the salary of the injured person should not exceed the subscription calculation salary of the Minister. b. As for the prime Minister, and his deputy, the Ministers and those in their grades: The basis salary added to it housing allowance and the other monthly and annual allowances, and the annual allowances shall be estimated by dividing them into the months of year. c. As for the President of the Federal National Council: The salary of the subscription calculation for the Minister, and member of the federal national council shall receive membership reward. d. As for the Private Sector: The wage specified by the employment contract, and if the wage is less than Dhs 1000 ( one thousand dirhams) monthly, this last limit shall be taken into consideration upon application of the rules of this law, and if the salary exceeds fifty thousand Dirham Dhs. 50,000 this limit shall be considered only. Following the approval of the Board of Directors, the minister

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Federal Law No. (7) OF 1999 Promulgating the Pensions and Social Security Law 9 may amend the minimum and maximum limit depending on the financial situation of the authority. The pension account salary : a. In the Government Sector: the average subscription account salary for the three final years of the insurance subscription period or the entire subscription period if it is less than that. b. As for the prime Minister, his deputy, the Ministers and those at the same level: the subscription account salary. c. As for the President of the Federal National Council: the subscription account salary of the minister, the membership gratuity for the members of the Federal National Council. d. In the Private Sector: the average of the subscription account salary for the last five years of the insurance subscription period or the entire subscription period if it is less. PART TWO SUBSCRIPTIONS FOR THE INSURED PERSONS

Article (2) Contributions for the insured include the following: 1. The monthly contributions paid by the insured, which are deducted at the rate of (5%) from the contribution account salary. 2. The monthly contributions paid by the employer at the rate of (15%) of the contribution account salary for the insured employees thereof. As for the employer in the private sector, the government shall bear a rate (2.5%) of its share in

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Federal Law No. (7) OF 1999 Promulgating the Pensions and Social Security Law 10 contributions, which is paid to the GPSSA in the form of support to encourage the employee to hire citizens. The Cabinet may amend or cancel this rate and set all conditions and controls related to the government bearing this rate according to what the Cabinet deems appropriate. 3. Additional amounts due because of late payment of contributions. PART THREE CHAPTER ONE CALCULATION OF SECURITY SUBSCRIPTION PERIOD

Article (3) The calculation of the Security subscription period shall include the period of service stated in the pension laws, referred to in Article (2) of the law of issuance as well as the service periods spent by the insured person with an employer who is subject to the provisions of this law as well as all types of leave periods and the added periods. However, following periods must not be included in the calculation of the subscription period: 1. Periods of suspension from work without pay or absence periods for which the insured person shall be deprived of his salary. 2. The pervious periods for which the insured person was deprived from his salary or remuneration by a disciplinary decision or a judicial award. 3. The periods which cannot be included according to the provisions of this Law.

Article (4) The following periods which the insured person requests their inclusion shall be added to the current period considered in the pension or the bonus: 1. The former service period in the Government sector. 2. The former service period in the private departments which apply retirement regulations.

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Federal Law No. (7) OF 1999 Promulgating the Pensions and Social Security Law 11 3. The period of military service. 4. The former service period with any employer who is subject to the provisions of this Law. 5. The service period referred to in the foregoing paragraphs (1, 2, 3 and 4), prior to acquisition of the nationality of the State. 6. The former service period in the Development Council or in Kuwait Office. 7. The former service periods at any entity approved by the Board of Directors.

Article (5) To add the terms of service referred to in the previous article, the following conditions must be met: 1. The insured person must express in writing his /her desire to add the said terms before the end of his service, provided that the necessary certificates and documents are attached to the application. 2. The required previous terms to be added must not have ended because of any reason of total deprivation of the pension or reward. 3. The terms to be added must not be temporary or include daily-paid work or a training period prior to appointment. 4. The insured person must pay his own share and the share of his employer for the period to be added according to the subscription account salary on the date of addition in one installment. Payment may also be made in monthly installments of not less than one quarter of the salary, provided that the duration of payment does not exceed the date the insured person reaches the age of sixty. In all cases, full costs for addition must be paid before the end of service. 5. If the service of the insured person ends because of death, the commitment to pay the installments shall end if the amount he has paid reaches 50% of the total payable

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Federal Law No. (7) OF 1999 Promulgating the Pensions and Social Security Law 12 amount. If the paid amount is less than 50%, the remaining percentage shall be paid from the pensions of his beneficiaries.

Article (6) The service period, prior to benefiting from he provisions of this Law in respect of citizens employed with local government authorities which the government of the concerned emirate requests them to be subjected to this Law within the period of subscription to this security system from the date of employment up to the date of enjoying the benefits of its provisions, provided that said authorities shall bear payment of the total share of subscriptions indicated in Article (2) of this Law pertaining to the share of the employer and the insured person according to the salary of the subscription account at the date of enjoying the benefits of its provisions. The payment method shall be decided by a decision from the Minister.

Article (8) Employers who are committed to better end of service bonus systems shall bear the excess value of the difference between what they used to bear under said systems and the end of service bonus which is calculated according to the provisions of this Law and also the bonus deserved for the difference between the salary of the maximum limit of the subscription of the private sector to this security and the salary for computation of the bonus in their systems if it is higher. Such excess shall be calculated for the entire service of the insured persons whether including the periods of service prior or subsequent to subscription to the Authority and it shall be paid to the Authority within one month from termination of the insured persons service in full and it is to be paid to the insured or entitled persons on termination of the service. CHAPTER TWO RULES OF COMPUTING SUBSCRIPTIONS ACCOUNT

Article (9) Subscriptions shall be payable for the following periods according to the rules and provisions shown against each:- 1. Periods of foreign secondment without pay or private leaves: The insured person must pay to the Authority his share in the subscriptions and the share of his employer in one payment within one year from the end of the secondment or leave. However, he may pay them in installments throughout a period equal to that of the leave or secondment under the approval of the Authority's Director. 2. Private leaves for a spouse accompanying the other:

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Federal Law No. (7) OF 1999 Promulgating the Pensions and Social Security Law 14 (a) If the private leave is for accompanying a diplomat, the Government sector shall pay his share and that of the insured person. (b) If the private leave is for accompanying a person sent on a scholarship, the Government sector shall pay his share and that of the insured person. (c) If the private leave is for accompanying an insured person employed with the private sector the insured person shall bear his share and that of the employer. However, the insured person shall pay to the Authority the amounts due in one installment within one year from the date of expiry of the leave. He, may also pay the amount in installments in a duration equal to the period of the leave. 3. Periods of academic leaves without pay: The employer in Government sector shall undertake to pay his share in the subscriptions on regular dates, while the insured person shall undertake to pay his share in the manner stated in Paragraph (1). With regard to the private sector, the insured person shall bear the two shares in this case. 4. In-house secondment: The secondee authority, if it pays the salary, shall bear the employer's share in the subscriptions and the insured shall pay his share. However, the shares shall be paid to the Authority on the regular dates based on the salary of the insured person at the seconding organization. 5. Periods of sick leave: The insured person shall pay his share based on the actual salary received by him for it, while the employer shall pay his share according to the full salary whether the leave is with or without pay.

Article (10) A. The subscriptions paid by the employer in the private sector and those which are deducted from the salaries of the insured persons employed by him during one calendar year shall be computed according to the salaries received by them in January of each year.

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Federal Law No. (7) OF 1999 Promulgating the Pensions and Social Security Law 15 B. Employees who join the service of the private sector after January, shall have their subscriptions computed according to the salary of the month in which they joined the service up to January next and thereafter they shall be treated on the basis shown in the foregoing paragraph. The subscriptions shall be computed in full for the month on which the service starts, and they are not payable for the part of the month on which the service ends. C. The subscriptions paid by the employer in Government sector and those deducted from the salaries of the insured persons shall be computed according to the salary paid every month.

Article (11) 1. The employer in the private sector must submit to the Authority in January of each year details of the salaries of his employees for said month together with their monthly subscriptions and he shall monthly furnish the Authority with any changes in the number and salaries of his employees on the forms defined by the Authority and such details must comply with the books and records maintained by the employer according to the Labour Law. 2. If the employer does not submit the details provided for in the foregoing paragraph according to the decided conditions, situations and timeframe according to the payable subscriptions shall be computed as per the last statement submitted to the Authority pending calculation of the actual subscriptions. 3. In case the details are not provided or if those provided are not in conformity with the reality, or if records and documents which must be maintained by the employer according to the provisions of this Law are unavailable, the calculation of the subscriptions shall be made according to the Authority's decision as per the outcome of its investigations.

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Federal Law No. (7) OF 1999 Promulgating the Pensions and Social Security Law 16

Article (16 ) The pension shall be payable in the following cases: 1. End of the service of the insured person because of death or total disability. Such disability shall be confirmed by the medical committee. 2. End of the service of the insured person in the government sector for health unfitness. Such unfitness shall be confirmed by the medical committee. 3. End of the service of the insured person in the private sector due to health reasons which shall threaten his life if he continues his job, provided that the decision of the medical committee is prior to the date of the service end. 4. End of the service of the insured person because of the company dissolution, bankruptcy or liquidation, provided that his period of subscription to this insurance is 15 years at least. 5. End of the service of the insured person because he has reached pensioning off age if his insurance subscription period is fifteen years at least. 6. End of the service of the insured person because of termination of service or pensioning off by a disciplinary decision or judicial ruling if his insurance subscription period is fifteen years at least. 7. End of the service of the insured person because of resignation if his insurance subscription period is twenty years and he has reached fifty five years of age at least. 8. End of the service of the insured woman, whether she is married, divorced or a widow, due to resignation if she has children under eighteen years of age if the period of her subscription to insurance is twenty years. 9. End of the service of the insured woman if her period of subscription to insurance is

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Federal Law No. (7) OF 1999 Promulgating the Pensions and Social Security Law 18 twenty years and she has reached fifty years of age or more. 10. End of the service of the insured person by a federal decree or by a local decree provided that the treasury of the concerned Emirate government bears the actual costs incurred as a result, and the president shall issue a resolution on the methods of calculating the said costs. 11. End of the service of the insured person for reasons other than those stated in the previous articles if the period of his subscription to insurance is twenty years at least. In all cases, the retirement pension shall not be paid to the insured persons whose services have ended by resignation unless they reach fifty years of age, provided that this provision applies first to those who reach forty years of age on the date of application of this law. This age shall then be increased year after year till it reaches fifty. The retirement pension shall be calculated in the cases stated in article (1, 2, 3, 4, 5, 6, 10) on the basis of subscription period of fifteen years, or the actual subscription period, whichever is longer. Three considerable years or a period complementary to the age of sixty, whichever is less, shall be added to the period of subscription calculated in the insurance in the case where the service ends because of death or total disability. The retirement pension shall also be calculated in the remaining cases on the basic of an actual period of subscription of not less than twenty years. In the event that a pensioner pensioned off on retirement due to lack of health fitness or health disability returns to work, the pension assessed for him due to such reason shall be cancelled, and the remaining provisions of the law shall apply.

Article (17) The insured person may request to buy a considerable term of service to be added to the actual term of service according to the following conditions:

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Federal Law No. (7) OF 1999 Promulgating the Pensions and Social Security Law 19 - The insured person must express his desire in writing to buy the said period prior to the end of his service. - He must have spent a period of twenty years at least. - The period to be bought must not exceed five years for the insured man or ten years for the insured woman. In all cases, the insured person shall bear his share and the employer's shares for the period to be bought, as per the subscription account salary on the date of applying for purchase, provided that payment is made in one or more installment, and that the period of installment does not exceed the date when the insured person reaches sixty years of age. In all cases, the full costs of purchase must be paid before the end of service. In the event that the insured person dies, the installments shall continue to be collected from the pensions of his beneficiaries.

Article (18) If a court decision is issued considering the insured person missing, the persons entitled on behalf of him shall be paid a temporary monthly pension equal to their pension entitlement on assumption that his death occurred during the service. If it is discovered thereafter that the missing insured person is alive, payment of the pension to beneficiaries shall be suspended and his status shall be adjusted in the light of the result of legal investigations. If it is demonstrated that the insured person's situation is unlawful, the Authority shall have the right to recourse to him for the amounts previously paid. If his situation is proved to be sound, a clearance shall be made between his dues and the amounts paid to the persons entitled on behalf of him. However, if his dues exceed the amount paid to them, the difference shall be paid to him.

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Federal Law No. (7) OF 1999 Promulgating the Pensions and Social Security Law 20

Article (20) The pension shall be computed on monthly basis at the rate of 60% of the pension account salary for the subscription periods calculated in the security system which amounts to fifteen years and it shall be increased by (2%) for every year exceeding said period up to a maximum of 100% of the pension account salary. If the service period exceeds thirty-five years, the insured person shall be granted bonus for the excess period equal to the salary of three months for each year to be calculated as per the salary of the pension account It is to be taken in consideration with regard to the insured person in the private sector, that the last salary of the pension account must not be more or less than 20% of the average salary of the subscription account in the preceding four years or the actual subscription period, if it is less.

Article (29) The son's pension shall cease when he reaches the age of twenty one and, nonetheless, the pension shall continue to be paid to him after reaching this age in the following cases:- 1. If he is unable to earn, until such disability vanishes. However, such disability must be confirmed by a report from the competent medical board, provided that the disability shall ascertained once every two years unless the said board decides impossibility of his cure. 2. If he is a student payment shall continue up to the date of his joining work or his practicing of a profession or up to the age of twenty eight whichever is nearest. Payment of pension for a student who reaches the age of twenty eight, shall be made during he academic year and it shall continue up to the end of said year.

Article (36) By way of exception from the provisions prohibiting the combination of two pensions, or the pension and the salary, combination may be permitted in following cases: 1. The cases of combining two pensions, or combining the pension and the salary, those are previous to application of the provisions of this law. 2. If the total sum of the two pensions or the pension and the salary received by the pensioner does not exceed nine thousand Dirhams, otherwise, his right shall be restricted within the permitted limits. 3. If the pensioner has spent more than twenty five years or more in the government service for which he deserves a pension, he may combine this pension and any salary regularly received from any body in the state whatever their collective amount may be, with the exception of the two cases stated in clauses 6 and 11 of article (16) of this law, to which the provision stated in clause (2) hereof shall be applied. If the pension is payable to the widow of the pensioner, she shall have the right to combine her salary, or her pension and the pension she deserves for her husband.

Article (37) 1. In case of withholding the pension wholly or partially from one of the pensioner's children for any reason whatever, the withheld sum shall go to the rest of the sons as per their shares before raising them to the minimum limit for beneficiaries stated in Article

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Federal Law No. (7) OF 1999 Promulgating the Pensions and Social Security Law 26 (24) of this law. If the reason for withholding ceases to exist, the pension of the said sons shall be reduced by the value of the sum they have received because of withholding. 2. In the absence of other beneficiaries, the unpaid pension of the children shall go to the pensioner's widow, provided in such case that the portion does not exceed three fourths of the pension. If there is more than one widow, the whole pension shall be distributed among them equally. PART FOUR END OF SERVICE BONUS

Article (54) The insured person or pensioner must not be deprived of the pension or bonus except by a disciplinary decision and to an extent not exceeding one quarter of the pension or bonus. No judgment may be issued depriving the pensioner according to the foregoing Article except for acts committed by him prior to termination of his service. No deduction may be made or sequestration levied on amounts due to be made, in application of the provisions of this Law, to the owner of the pension or bonus or to the persons entitled on behalf of him except in payment of alimony adjudicated by a court or in repayment of what may be owed to the government by the insured person for a reason pertaining to the performance of his duties or in recovery of what was unlawfully paid to him. However, what is deducted in said cases must not exceed one quarter of the pension and in case of competition priority shall be given to alimony debt.

Article (59) Every person who intentionally provides incorrect details or who deliberately refrains from furnishing the details provided for in this Law or in its executing decisions or regulations with intention to unlawfully obtain funds from the Authority, shall be punished with imprisonment and a fine not exceeding five thousand Dirhams or with either one of said punishments.

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Federal Law No. (7) OF 1999 Promulgating the Pensions and Social Security Law 32 Furthermore every person who, by furnishing incorrect details, intends to avoid payment of the Authority's dues in full, shall be punished with the same punishment In all cases, the court shall pass a sentence ordering repayment of all amounts unlawfully collected, or recovery of the amounts which are due to the Authority.

Article (62) The Council of Ministers shall have the right to grant exceptional pensions or increments in pensions or exceptional bonuses to the insured persons whose services terminate for any reason or to the pensioners or persons entitled on behalf of them. The Council of Ministers shall also have the right to grant exceptional pensions or bonuses to citizens other than those mentioned in the foregoing Article who extended great services to the country, or to the families of persons who die in accidents considered as general catastrophes. The provisions of this Law shall apply to said exceptional pensions and bonuses without prejudice to any special provisions decided by the Council of Ministers. The Government shall bear the value of the exceptional pensions.

Article (66) If the insured person dies of a work injury, his successors shall be entitled to a compensation amounting to seventy five thousand Dirhams to be distributed among them according to the provisions of Islamic Law (Sharia) and the insured person shall also be entitled to such compensation if the work injury results in total disability. However, if the injury causes partial disability the inured insured person shall be entitled to a compensation to be estimated pro rata to the percentage of disability inflicted on him multiplied by the compensation value. The insured person shall be deprived of the injury compensation in the following cases:- 1. If the insured person deliberately injures himself. 2. If the injury is a result of grave misbehaviour intended by the injured person. The following shall be considered as grave misbehaviour: (a) Every act committed by the injured person under the influence of liquor, drugs and mind affecting substances. (b) Every intentional violation of the safety instructions displayed at obvious locations in the work place.

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Federal Law No. (7) OF 1999 Promulgating the Pensions and Social Security Law 35 However, neither of the cases mentioned in (1) and (2) shall be complied with unless proved by the investigation to be carried out in this respect by the competent authorities.

Article (79) The periods provided for in this Law shall be calculated as per the Gregorian calendar.

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Federal Law No. (7) OF 1999 Promulgating the Pensions and Social Security Law 39 Schedule No. (1) Share entitlements in the pension Persons entitled to shares in the pension Widow or widows or entitled husband Sons Parents Brothers 1 widow or widows or entitled husband and one son or more, as well as father or mother or both further to one brother or more. 3/8 3/8 1/8 1/8 2 widow or widows or entitled husband and one son or more as well as father or mother or both. 3/8 4/8 1/8 - 3 widow or widows or entitled 3/8 4/8 — 1/8

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Federal Law No. (7) OF 1999 Promulgating the Pensions and Social Security Law 40 husband and one son or more. 4 widow or widows or entitled husband and one son or more. 1/2 - 1/4 1/4 5 widow or widows or entitled husband as well as one son or more. 3/8 5/8 - - 6 widow or widows or entitled husband as well as father or mother or both. 1/2 - 1/2 - 7 widow or widows or entitled husband and one brother or more. 1/2 - - 1/2 8 widow or widows 3/4 - - -

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Federal Law No. (7) OF 1999 Promulgating the Pensions and Social Security Law 41 or entitled husband. 9 one son or more and a father or mother or both as well as one brother or more. - 6/8 1/8 1/8 10 one son or more and a father or mother or both. - 3/4 1/4 - 11 one son or more and one brother or more - 3/4 - 1/4 12 more than one son - Whole pension - - 13 one son - 3/4 - - 14 father or mother or both and one brother or more. - - 1/2 1/2

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Federal Law No. (7) OF 1999 Promulgating the Pensions and Social Security Law 42 15 father or mother or both - - 3/4 - 16 one brother or more - - - 1/2 1. The term son or brother in this schedule includes male and female. 2. If more than one person share the same portion of pension, it shall be distributed among them on equal basis. 3. The husband shall not be entitled to a share in his wife's pension unless at the time of the death of his wife he suffers from a health deficiency preventing him from earning and such deficiency must be confirmed by a decision from the Medical Board and said deficiency shall be checked once every two years unless the Medical Board decides impossibility of his recovery. 4. In case of death of one of the parents his share shall be transferred to the other and in case of their death, their share shall be transferred to the sons of the pensioner. 5. In case of suspension of a brother's pension, his share shall be transferred to the rest of his brothers and in the event of non-existence of any -one of them, their share shall be transferred to the pensioner's children. 6. In the event of suspension of the brother's pension and non-existence of entitled persons other than the parents, the share of the brothers shall be transferred to the parents in a ratio not exceeding the share fixed for the parents in the case No. (15) i.e. 3/4. 7. In case of suspension of the parents pension and non-existence of entitled persons other than the brothers, the parents share shall be transferred to the brothers in a ratio not

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Federal Law No. (7) OF 1999 Promulgating the Pensions and Social Security Law 43 exceeding the share fixed for them in the case No. (16) i.e. 1/2. 8. In the event of suspension of the brothers pension and non-existence of entitled persons other than the widow, their share shall be transferred to the widow in a ratio not exceeding the share fixed for her in the case No. (8) i.e. 3/4. 9. In case of suspension of the share of the parents and non-existence of entitled persons other than the widow, their share shall be transferred to the widow in a ratio not exceeding the share fixed for her in the case No. (8) i.e. 3/4. 10. The share which is due to any single individual on behalf of the pensioner must not exceed three quarters of the pension. 11. In die event of cessation of die cause of suspension of all or part of the pension, the shares shall return to their former state. 12. The share which is not assigned to any one shall be the property of the Fund.

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Federal Law No. (7) OF 1999 Promulgating the Pensions and Social Security Law 44 Schedule No. (2) Estimation of Disability Percentage in Cases of Limb Loss Serial No. Ensuing Disability Percentage of Disability 1 Amputation of right arm up to the shoulder. 80% 2 Amputation of right arm above the elbow 75% 3 Amputation of right aim under the elbow 65% 4 Amputation of left arm up to the shoulder 70% 5 Amputation of left arm above the elbow 65% 6 Amputation of left arm under the elbow 55% 7 Amputation of leg above knee 65%

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Federal Law No. (7) OF 1999 Promulgating the Pensions and Social Security Law 45 8 Amputation of leg below knee 55% 9 Complete deafness 55% 10 Loss of one eye 35% Left Right 11 Amputation of thumb 25% 30% Amputation of thumb end falanx 15% 18% Amputation of index finger 10% 12% 12 Amputation of index finger end falanx. 5% 6% Amputation of end and middle falanxes of index 8% 10%

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Federal Law No. (7) OF 1999 Promulgating the Pensions and Social Security Law 46 finger. Amputation of middle finger. 8% 10% 13 Amputation of middle finger end falanx. 4% 5% Amputation of middle and end falanx. 6% 8% Amputation of a finger other than index, thump and middle. 5% 6%

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