Step 01
Talk to us to begin your Ghaf Benefits enrolment process.
Getting started with Ghaf Benefits
Your guide to getting started on your Ghaf Benefits journey, from eligibility and requirements to enrolment and onboarding
Partner With Us Today
Your guide to getting started on your Ghaf Benefits journey, from eligibility and requirements to enrolment and onboarding
Partner With Us Today
Any UAE company with expat employees who are eligible for end-of-service gratuity
Employers make monthly contributions
Employees can make voluntary contributions
Employers may transfer full or partial accrued EoSB liabilities to Ghaf Benefits at any time
You make monthly contributions to Ghaf Benefits on behalf of your employees.
Your employees choose their preferred investment options to suit their risk profiles.
Contributions are allocated to the selected funds, which are professionally managed by Lunate.
Your employees can monitor their investments, make voluntary contributions and adjust their investment preferences at any time through the portal.
Upon leaving the company, employees can withdraw their full entitlement or choose to keep the contributions invested within the plan.
The Enrolment Process
Talk to us to begin your Ghaf Benefits enrolment process.
Receive your log-in credentials and access the employer portal.
Complete onboarding and KYC requirements.
Sign the Employer Participation Agreement (EPA).
Receive the welcome pack and user guide.
Register your employees and upload their details via the portal.
Approve payment schedules, make monthly contributions and monitor the plan online.
Receive an invite link and sign up via the employee portal.
Choose the preferred investment funds and allocate contributions.
Monitor investments, make voluntary contributions and adjust investment preferences.
Employers are required to contribute monthly: 5.83% of basic salary for employees with less than 5 years of service and 8.33% for those with 5 years or more.
Employers can make additional voluntary contributions at any time, with no cap, including rolling over existing accrued EoSB liabilities.
Employees can make voluntary contributions, up to 25% of their annual gross salary, through monthly or annual payments.
Ready to unlock the Ghaf advantage for your enterprise and employees? We’re here to help, guide and support you. Talk to us today!
Our team of experts is ready to answer any questions you have about Ghaf Benefits.
Take the first step towards smarter end-of-service benefits. Request a call to begin your enrolment process.
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Key Advantages of Ghaf Benefits
Contributions & Funding
Investment Options & Returns
Withdrawals & Payouts
