Social and security authorities in the UAE, including the Abu Dhabi Retirement and Pension Benefit Fund (ADRPBF) may face three main challenges: Demographic, financial and early retirement. Due to the increase in life expectancy at birth (hence, number of years lived after retirements) and decrease in death rates, demographic challenges refer to the continuous increase in the numbers of retirees and their beneficiaries, which could create a kind of imbalance between revenues and entitlements. Financial challenges may arise in the future if financial resources are insufficient to meet the expenses. This may be largely due to the lack of any control on salary increases in addition to the lack of a higher ceiling for the salaries of the insured at the end of the service. Early retirement (retirement before the legal age) may impose a large financial burden on the system in the future and intensifies the loss in the contribution of experienced nationals to the development of the nation.