First, check some FAQs
We’ve picked the most popular questions for you:
I haven’t received a welcome email, or a password reset email what should I do?
Firstly, speak to your employer and ensure that they have arranged your enrolment and that they have provided us with your correct email address. The welcome email is issued automatically when your employer completes your enrolment.
If so, ask them for your ‘Account Name’ which is specific to your company. Use this to follow the ‘Forgot your password’ process on our employee login page here and click the link within the reset email to set a new password.
If you have not received a reset email, please firstly check your spam/junk/quarantine folders. Then ensure that firstname.lastname@example.org is added to your safe senders list and try the reset process again or use a different device. If the issue persists, try using the incognito/private mode of your browser or clear your browser cache/cookies and repeat the process again. If it still doesn’t work, please contact us.
How do I change my personal details?
If you are in employment, any personal detail updates must be completed by your employer as part of their upload file. Please speak to your HR department.
When you leave employment, the online portal will change to allow you to amend your own personal details after your last working day has passed.
How can an employee view what investment they hold and assess fund performance?
An employee can carry out a simple calculation to understand how their valuation has changed over time. Current valuation — total contributions paid = growth/loss (net of fees).
Employees can also track performance at fund level by using our Fund Centre tool and by viewing the fund factsheets and investment reports.
I am an employee who is leaving service, what can I expect?
Employees are permitted to withdraw from the DEWS plan upon termination of service should they wish to do so. They may also choose to remain invested. The current withdrawal process is as follows:
- The employer notifies DEWS of a terminating employee by entering an ‘Exit Date’ in the upload file containing the employee’s final contribution.
- DEWS sends an automated email to the employee, once the upload file is successful, confirming that they are eligible to withdraw their benefits.
- Should the employee wish to withdraw they can do so through our online withdrawal feature, where they have the ability to either request a partial or full withdrawal and submit all supporting documents digitally at any time. Employees should log into their DEWS account or app and look for the 'Withdrawals' section.
- Our team will begin processing the disinvestmen once the employee’s final working day has passed, or immediately if submitted after the lastday of employment.
- Once monies are received back from the disinvestment, they will be sent to the employees nominated bank account by bank transfer. Withdrawals requested in AED will be paid using the exchange rate USD 1 to AED 3.6725. Any bank charges will be deducted from the payment i.e., they are paid by the employee and withdrawals requested in AED often carry a much lower bank charge than withdrawals requested in USD. After disinvestment, it takes approximately 7 working days for the payment to be transferred to the employee’s bank account.
I am an employee moving to another DIFC company, can I combine my DEWS accounts?No. Unfortunately at this time accounts cannot be merged, so if moving between DIFC companies you will be required to maintain two separate accounts. You will still be able to manage your old DEWS account after you leave and can also take a withdrawal from that account if required. Log into your DEWS account or app and look for the 'Withdrawals' section.
First, check some FAQs
We’ve picked the most popular questions for you:
Who is eligible for DEWS and who is exempt from DEWS?
DIFC companies have a legal requirement to register into a qualified plan like DEWS, enrol their employees and pay in end of service benefits to be compliant with DIFC Employment Law.
DEWS is for any DIFC registered company with active employees, from small coffee carts to large multinational banks. All sizes and industries are eligible.
All full or part-time DIFC employees who are subject to a DIFC contract of employment or DIFC visa (including Golden Visa) and who are receiving a basic salary should be enrolled after they have successfully completed their probation period, or immediately upon hire if no probation period applies.
Assumed exemptions - no exemption application to be completed
There are some exemptions for individual employees, which include those who are:
- (a) required to be registered with the GPSSA under Article 65(1).
- (b) referred to in Article 4(2)(a), (b) and (c) as follows:
- (a) the Employee is working in or from the DIFC on the basis of a Secondment;
- (b) the Employee is employed in the DIFC by a local or federal government entity established by decree (or similar instrument) in the UAE, except for those established pursuant to the DIFC Founding Law; or (c) the President has exempted the Employee's Employer from being subject to this Law.
- (c) serving a notice period under Article 62 on 1 February 2020;
- (d) employed under a fixed term Employment Contract that will end within three (3) months of 1 February 2020; or
- (e) an Equity Partner, provided that an Equity Partner is only an Exempted Employee to the extent that they make drawings from a partnership, equity, capital, or profit account of the Employer or receive profit distributions or dividends from their Employer.
Please refer to the DIFC Employment Law for additional definitions.
Business owners who draw a basic salary are not exempt under point (e) above.
If you are a DIFC registered company that does not have any employees, then you do not have to enrol your company.
Individuals who are not in receipt of a basic salary are not required to be enrolled into DEWS, but employers can choose to do so if they would like to offer the employee the additional benefit. They should be added as ‘MemberType – 2’.
Non-assumed exemptions - exemption application to be completed
- Where the company is under a statutory duty in another country to make pension, retirement, saving or any substantially similar contributions into a scheme in such other country in respect of an Employee.
- Where the company is paying defined benefits to an Employee under a scheme where the defined benefits are in excess of the value of the Core Benefits required to be contributed in favour of Employees under Article 66(7) of the Law.
These exemptions cannot be assumed i.e., there is an exemption application to be completed.
Exemption queries and applications should be sent to email@example.com. DEWS is not involved in the review/issuance of exemptions.
Where you are uncertain on eligibility or exemptions, please seek advice from the DIFC or through your normal legal channels.
I have received a contribution payment reminder, what action should I take?
Payment reminders are issued at the following intervals:
- 7 days before the payment deadline (issued to administrator)
- 5 days after the payment deadline (issued to administrator)
- 30 days after the payment deadline (issued to administrator)
- 60 days after the payment deadline (issued to administrator, signatory, and employee)
The 7-day reminder is a courtesy email to inform you that the deadline is approaching.
The 5-, 30- and 60-day payment reminders are where payments are overdue and where remedial action may be required. Within these emails we will always include the payroll period in question, the names of employees whose contributions we believe are overdue and the reason we have identified these individuals.
In these cases, if you have made the payment and/or believe everything is in order please contact us with the details of the transfer or for further clarification. If you have not made the payment, please arrange to make the payment immediately or advise us of any exemptions granted.
I have an employee who is leaving service, what should I do and what are the employee’s options?
The employer should:
- Include the employee’s final contribution(s) in the upload file,
- Insert an exit date into your upload file.
- Remove the employee’s work email address in the upload file and replace this with their personal email address.
- Take the opportunity to check all other personal information is up to date i.e., residential address, phone number etc.
- Arrange your monthly contribution payment as normal.
- Pay out any accrued end of service benefits from before DEWS was introduced to the employee as part of their final settlement or provide them with the option to transfer this into DEWS if they will be choosing to remain invested (if applicable).
Once you have done this and uploaded the file into the online portal, an email will automatically be issued to the employee advising them of their options and next steps. Employees have the option to remain invested or to take a withdrawal.
DEWS will then liaise with the employee to complete their withdrawal if requested. There is no further action required from the employer and there is no vesting so employees will always be entitled to 100% of the invested benefit.
We have a leaver guide in our Documents page.
How do I enrol my company?
As a new company, you need to enrol into DEWS as soon as you have eligible employees. To enrol your company, please follow these steps:
- Ensure that you have nominated an authorized signatory for DEWS in your DIFC Client portal by visiting > Company Services > Designate an Authorized Signatory to sign the DEWS Deed of Participation. Should you require further assistance, please reach out to the DIFC Customer Service team for assistance with this on +971 4 362 2222.
- Visit our enrolment page - https://my.workplacesolutions.ae/sign-up
- Complete your personal details – you will be your company’s DEWS administrator moving forward.
- Search for your company - you must search for the company name as it is written in the DIFC Company Registry as this is where we source our data and if you cannot find your company name it is likely your company registration is not yet complete, or you are not yet listed as ‘Active’.
- Select your company, check your details, and submit your application.
- You will receive a confirmation email and will be required to complete the set-up tasks which are:
- Bank details – provide the full bank details for where your contributions will originate from
- UBO details* – provide us with the details of the individuals or entities that ultimately own your DIFC registered company
- Your designated authorized signatory will also receive an email with a link to sign the Deed of Participation which is your company’s legal/contractual agreement with the Trustee to participate in DEWS. This must be signed within 48 hours, or the link will expire, and you will have to reach out to us to re-issue this. If you wish to see a draft copy of the Deed of Participation before registration you will find this in the ‘Documents’ area of our website.
- Please note that the Master Trustee (Equiom) may contact you post-registration requesting additional due diligence documentation – this is standard procedure, and we would kindly request that you provide your cooperation. If you have any doubts as to the legitimacy of any emails received, please feel free to verify with us.
- If you have more than one legal entity in the DIFC, you must complete the above steps for each company.
We would encourage you to consult with your legal/compliance teams, so that you can submit this information accurately. You will need to know:
- Whether your company is listed or if your company is a majority owned subsidiary of a listed parent company and, if so, on what exchange.
- Whether your company is a Government entity or wholly owned by a Government entity and, if so, the legal name of that entity and country of registration.
- The personal details of all individuals who own or exercise significant control over your company, i.e.
- Individual holding 25% or more of the shares or ownership in the company
- Individual holding 25% or more of voting rights in the company
- Individual holding the right to appoint or remove the majority of the directors of the company
- Individual having significant control or influence over the company
- Your company may have more than one UBO
How do I enrol my employees?
Employees should only be enrolled into DEWS once they have successfully completed their probation period. If probation is successfully completed, the employer must make the back payment of contributions from the employment start date. If the probation is not successful, then no payment is due. If the employer made a payment during probation and the probation is not successful, the employee will still receive be entitled to this.
- Employee starts probation on 1st June for 3 months. Employer makes no contribution. Employee is confirmed on 1st September. Employer should make a retrospective contribution for June, July, and August as one lump sum before 21st September to DEWS.
- Employee starts probation on 1st June for 3 months. Employer makes no contribution. Employee is not confirmed after probation. Employer should not make any payment to DEWS.
- Employee starts probation on 1st June for 3 months. Employer makes monthly contributions to DEWS for June, July, and August. Employee is not confirmed on 1st September and employment is terminated. The employee will be entitled to the contributions paid.
Once you are ready to enrol your employees, you can do this by completing and uploading our ‘upload file’ into the DEWS online portal. The upload file and supporting guidance documents can be found in the Documents area. The upload file should be completed with the details of all eligible employees and if any retrospective contributions are due, they should be included as one lump sum in the ‘EmployerContributionAmount’ column.
When the file is ready, save in csv format and upload this into the DEWS online portal by logging in and visiting Main Menu > Contributions and Payroll > Upload employees and contributions.
If you encounter any errors i.e., you see ‘Fail’ or ‘Errors Detected’ during the upload process please click to view and refer to our error guide in the Documents area to troubleshoot, make any amendments and re-upload your file again.
When your file shows as ‘Success’ all your employees have been enrolled, their contributions have been created and the upload process is finalised. You can then proceed with your contribution payment.
You can verify this by visiting Menu > Contribution and Payroll > Contributions. The total amount when filtered to the current monthly pay period should match with the amount in the uploaded file. You can also extract a contribution report as a .csv or.xls file.
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