DEWS for employees

Introducing the new ‘Savings Scheme for employees in the Government of Dubai’

DEWS, defined by you

DEWS is a regulated plan that allows Government employers the ability to fund end of service benefits for their foreign employees.

On top of that, employees (foreign and Emirati) can also choose to make voluntary contributions through salary deduction whilst in employment to build their personal savings too.

You define how DEWS works for you. Read on to find out more.

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Getting started is easy

 

1. Enrolment

Your employer will enrol you once you have completed one year of continuous service and in line with the implementation schedule set out for employees of the Government of Dubai.

2. Activate

When you’re enrolled, you’ll receive a welcome email from DEWS. Click the activation link to get started.

3. Verify

Verify your personal details, provide some information about your tax status (this helps us meet our regulatory obligations) and tell us who your beneficiaries are (this helps you safeguard your money).

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4. You’re all set

Explore the portal and enjoy all the support and resources that DEWS has to offer.

 

Key features of DEWS

  • Full control and visibility of your benefits
  • Professional management & trust protection
  • See your contributions & valuation
  • View our range of investment options (grade 6 & above)
  • Choose an investment strategy that works for you (grade 6 & above)
  • Nominate your beneficiaries
  • Voluntary saving option (foreign and Emirati employees)
  • Flexible options when you leave service

 

 


Our app makes it even easier!

Download Zurich Workplace Savings app and enable biometrics for seamless and easy access to your account, and all online features, whilst you’re on the move.

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Contributions explained

Your employer will…

Make a monthly contribution into your DEWS account. The contribution rates are based on your length of service and basic salary component.

The percentage of your salary that your employer will pay will be defined by the law, regulation or policy that your company follows.

This is a benefit, it is not a deduction from your salary.

You can…

Make additional savings through salary deduction if you’d like to – it’s optional. You’re always in control and can choose an amount and frequency that works best for you.

* This is a new and developing initiative. See our FAQs for the latest updates.

Invest according to your needs

All money you or your employer contribute to DEWS will be invested giving you the potential for returns. You can make an

investment selection at any time, but if you don’t, your money will be automatically invested in our ‘default’ fund called the

‘Low/Moderate Growth’ Fund.

Stylised Chart - March 2022
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Use our Investment ‘Fund Centre’ Tool

Track, chart and compare investment
performance to stay up-to-date.

Let’s go

* You can find more details about the investment range by logging in to your DEWS online account. We also
have investment sections on our FAQs & Documents page.

* The chart shows the relative levels of expected risk and return for each of the DEWS plan’s fund options for a member with a long-time horizon.
The core risk-profiled options are shown in blue, while the additional fund options are shown in green. Sharia-compliant options are noted.
Please note that this is an indicative stylized example for illustrative purposes only and does not imply or offer any guarantee. In addition, realized
risk and return figures may differ significantly from those expected, especially over shorter time horizons.

What happens if…

I move from one Government company to another?

A new DEWS account will be opened for you under your new employer. Your accounts can’t be combined but you can stay invested if you’d like to, which means you can still manage your old account and benefit from any potential investment return, or you can withdraw that money as cash to your bank account using our online withdrawal feature if internal laws or policies allow the same since this approach may differ depending on your HR’s internal laws.

 

I want to access my money after leaving employment

'Through our online withdrawal feature you can request a partial or full withdrawal and submit all of your supporting documents digitally at any time. Log into your DEWS account or app and look for the 'Withdrawals' section.

 

I want to access my money in employment

If your employer contributes, this is an ‘end of service’ benefit, so it’s only accessible when you leave employment. If you add extra savings voluntarily, then through our online withdrawal feature you can request up to 2 x partial withdrawals per year, up to 30% of your voluntary savings pot value, digitally and at any time while you're still employed. Log into your DEWS account or app and look for the 'Withdrawals' section.

 

Loss of life occurs

In the unfortunate event of death your employer will inform us, your money will be disinvested and sent to your beneficiaries or paid in accordance with Sharia Law – therefore it’s important that you share your beneficiary wishes with us via your DEWS account.

I leave my employer and Dubai/UAE

We’re sorry to see you go. You can stay invested if you’d like to, which means you can still manage your account and benefit from any potential investment return, or you can withdraw your money as cash to your bank account using our online withdrawal feature. Remember we can pay locally or internationally.

* This is a new and developing initiative. See our FAQs for the latest updates.

 

Your Zurich Learning Academy

Articles, videos and guides to help you administer and make the most of DEWS

 

Visit Learning Academy

The DEWS Service Providers

 

 

Useful Documents

 

Employees - all the guides and documents you need to make the most of DEWS

If you would like further information or support, visit our FAQ’s & Documents page or use the Help Centre.