Death & Disability Scales: How Compensation is Calculated in the UAE

Transparency in the Hardest Moments

No employer wants to imagine a fatality or a life-altering injury in their workplace. However, being prepared means understanding exactly how the UAE law calculates compensation. In 2026, the “Scale of Benefits” is more precise than ever. At CoverB, we ensure that every workmens compensation policy in dubai we provide is perfectly aligned with these legal formulas.

The Formula for Permanent Disability

Compensation for permanent disability is calculated based on a percentage of the death benefit. In 2026, the maximum death benefit is 24 months of the basic salary (capped at AED 200,000).

• Total Disability (100%): The full 24-month salary payout.
• Loss of an Eye (50%): Half of the total disability amount.
• Loss of a Finger (5-10%): A corresponding percentage of the total.

The Role of the Medical Committee

In 2026, the degree of disability is not decided by the employer or the insurer. It is determined by a specialized Medical Committee under the Ministry of Health and Prevention. Once their report is issued, your workmen compensation insurance uae policy must pay the amount within 10 days. CoverB acts as your liaison during this process, ensuring all documents are submitted correctly to avoid delays for the injured worker.

The “Diya” (Blood Money) Factor

Under UAE Law, “Diya” is a specific compensation (currently AED 200,000) for accidental death. In 2026, there is often a question of whether the insurance covers Diya or the Labor Law payout. The best workmen compensation insurance dubai plans from CoverB include a “Difference in Conditions” clause, ensuring that whichever amount is higher is what the family receives, protecting you from further legal action.

Conclusion: Fairness Through Law

Understanding the math of compensation helps you manage expectations and fulfill your legal duties with dignity. Visit https://coverb.ae/liability/workmens-compensation-insurance/ and let CoverB help you navigate these sensitive calculations with expertise.