DEWS review has three layers: contribution basis, contribution timing and current account value. The final value can differ from the sum of contributions because of investment performance and charges.
Compare expected employer contributions with a DIFC DEWS or qualifying-scheme statement without confusing contributions with investment value.
What still needs evidenceYour jurisdiction, contract terms, dates, wage records and any disputed employer record still need to be verified before the result can be treated as a claim.
Confirm the service bands
DIFC qualifying-scheme legislation uses employer contribution rates linked to service below and above five years. Verify the date the higher rate should begin.
Check the monthly basic wage
Compare payroll basic wage with the contribution basis shown in the statement. Identify salary changes and missing months.
Separate contributions from investment value
Expected contributions are not the same as the current account value. Investment gains, losses, voluntary contributions and fees can affect the balance.
Review pre-DEWS entitlement
Service accrued before the DEWS commencement date may require a separate preserved-benefit calculation or record.
Questions to verify before acting
Answer these from original records. If one answer is uncertain, keep it as an open issue rather than guessing an input.
- What is my DEWS enrolment date?
- Which basic wage was used each month?
- When did the 8.33% band begin?
- Are any months missing?
- What portion of the balance is investment return or voluntary saving?
- Which original record proves the amount or date used?
Frequently asked questions
Is DEWS balance the same as gratuity?
No. DEWS is a funded qualifying-scheme account, while traditional gratuity is a statutory lump-sum formula.
Can the calculator show my exact DEWS value?
No. It can estimate employer contributions, but the provider statement is needed for actual account value.
What happens to pre-2020 service?
Pre-DEWS accrued entitlement is treated separately and should be checked against employer records and applicable DIFC rules.
Official sources and limitations
These primary sources support the rule or process described above. They cannot confirm your wage, dates, leave balance, employer records or case outcome. Open the live source again before filing a complaint or signing a settlement.