Imagine if your company’s End-of-Service Benefit (EOSB) liability could become a secure, capital-protected savings plan that your employees trust. YES by HAYAH makes this possible.
In the UAE, companies are changing how they handle employee savings and gratuity. The focus is now on clarity, efficiency, and empowering employees. Today’s workforce wants more transparency, flexibility, and control over their finances. YES by HAYAH is designed to meet these needs, turning a traditional HR task into a smart advantage for both employers and employees.
What is EOSB and why it’s evolving
The End-of-Service Benefit is a mandatory payment employers in the UAE must make when an employee’s service ends, whether through resignation, termination, or retirement. Historically, EOSB was treated as a reactive, one-time lump-sum gratuity, calculated based on years of service and final basic salary.
That model, however, comes with challenges:
It ties up company cash flow in large end-of-service liabilities.
It offers employees little visibility into how their gratuity is being managed.
It creates a risk of miscalculation or non-compliance if tracking isn’t consistent.
It also limits engagement, since employees rarely view EOSB as an important part of their financial planning.
As the UAE transitions to modernized employee savings frameworks, companies are encouraged to adopt proactive, structured EOSB solutions that ensure compliance, enhance trust, and unlock financial efficiency. This is where YES by HAYAH stands out.
Meet YES by HAYAH: A smarter EOSB platform
YES (Your Employee Saver) is an end-to-end digital EOSB platform by HAYAH Insurance. It reimagines gratuity management by giving employers full transparency and control, while empowering employees with visibility and growth potential.
With YES, end-of-service benefits change from a fixed liability to a secure, capital-protected savings plan. This solution is compliant, transparent, and backed by the Central Bank of the UAE.
Key features of YES by HAYAH
100% digital & paperless:
From setup to management, everything happens online. No spreadsheets, no manual errors, no paperwork.
Capital-protected in USD investments:
Savings are kept in stable, USD-denominated investments with capital protection. This safeguards both employer contributions and employee savings.
Flexible & scalable:
YES works for any business, whether you have 50 employees or 5,000. It adapts to your company’s size, structure, and workforce needs.
Backed by regulation:
HAYAH Insurance is fully licensed and regulated in the UAE, ensuring compliance, security, and peace of mind.
Customizable plans:
You can design EOSB schemes by department, grade, or salary band, tailoring them to your company’s structure and goals.
By replacing traditional gratuity payouts with a structured and automated savings mechanism, YES helps businesses stay compliant and agile while improving employee confidence and financial well-being.
How the EOSB calculator works, plan with precision
One key feature of YES by HAYAH is its interactive EOSB calculator. This tool brings data, clarity, and foresight to EOSB planning. Employers and employees can now simulate future liabilities in real time, instead of guessing.
Here’s how it works:
The calculator gives instant, data-driven insights that help HR, Finance, and employees make informed decisions for the future. It’s more than just a tool; it starts conversations about smart savings and responsible planning.
Why UAE employers are adopting YES
Forward-looking companies across the UAE are already switching to YES by HAYAH for five main reasons:
1. Simplified compliance
EOSB regulations in the UAE continue to evolve, especially as new savings-focused frameworks gain traction. YES automatically keeps you aligned, reducing the risk of non-compliance and ensuring your HR policies meet UAE standards.
2. Digitized and automated EOSB management
No more manual updates or Excel tracking. YES automates contributions, monitors liabilities, and generates real-time reports, all from a secure digital dashboard.
3. Improved employee retention and trust
When employees can track their EOSB in USD and know it is capital-protected, it builds transparency and trust. Clear financial information helps retain skilled professionals and expatriate workers.
4. Better cash flow management
Companies can spread contributions over time instead of making large one-time payouts. This helps align expenses with business cash flow and budgets.
5. Stronger employer brand
A modern, transparent EOSB plan shows employees that you care about their future. In today’s competitive job market, benefits like YES help you stand out as an employer of choice.
Built for integration, seamless, secure, scalable
YES doesn’t demand a full system's overhaul. It’s built to integrate with your existing HR and payroll systems through secure APIs.
Employers can easily:
Sync contributions with payroll in real time
Monitor balances across teams or departments.
Access compliance and liability reports instantly
Give employees personal access to view their EOSB growth at any time.
Implementation is quick and secure, with full support from HAYAH’s UAE-based onboarding team. This ensures a smooth transition for both HR teams and employees.
Real-world example: Turning EOSB into an advantage
For example, a logistics company in Sharjah with 120 employees had AED 4.2 million in EOSB liabilities on its books. These funds were static and underused.
After migrating to YES by HAYAH:
Monthly USD contributions were set by employee category.
The EOSB calculator projected 10-year savings growth and liability reduction.
HR administrative workload dropped by 60% through automation.
Employee satisfaction scores improved significantly because every team member could track their EOSB value at any time.
In short, what was once a frozen liability became a transparent, growth-linked, and strategic asset. This strengthened trust across the organization.
The bigger picture: Why EOSB modernization matters
The UAE’s commitment to improving workplace savings aligns with global best practices. With increasing mobility, cross-border employment, and a growing emphasis on financial literacy, employers are expected to offer structured, transparent benefits that go beyond salary.
By adopting YES by HAYAH, companies do more than just meet compliance. They are future-proofing their HR strategy and supporting a national vision where long-term financial well-being is a standard part of employment in the UAE.
For CFOs, it’s about liquidity and cost control.
For HR leaders, it’s about engagement and retention.
For employees, it’s about financial security and visibility.
Everyone wins when EOSB becomes smarter.
Ready to transform your EOSB?
Turning a liability into a savings advantage starts with one step: clarity. The YES by HAYAH EOSB Calculator can show you how your current obligations can grow into a capital-protected savings asset that supports your people and your business goals.
Try the EOSB Calculator and see the difference today.
Whether you are a CFO managing budgets or an HR director shaping your employee value proposition, YES by HAYAH gives you the clarity, control, and confidence to make every dirham work smarter.
Description
Discover how YES by HAYAH turns End-of-Service Benefits into a capital-protected savings plan. Digitise EOSB, manage liabilities, and empower employees today.