The ILOE unemployment insurance UAE scheme (Involuntary Loss of Employment) gives workers some income for a short time if they lose their job for reasons outside their control.
Who Must Subscribe?
The scheme is mandatory for most employees in the federal government and private sector. Employees pay for it themselves. Some groups, such as investors who own their companies, domestic workers and retirees receiving a pension, are exempt.
Categories
- Category A – basic salary up to the lower limit set by the scheme.
- Category B – basic salary above that limit, with a higher premium and higher benefit.
Premiums are low and can be paid monthly, quarterly, half-yearly or yearly.
How to Subscribe and Pay
- Use the official ILOE website or app.
- Or subscribe through the MOHRE app, bank apps, exchange houses and kiosks.
- Enter your Emirates ID and mobile number.
- Choose your category and payment plan.
- Keep your receipt and policy number.
How to Claim
- You must have been subscribed for at least 12 consecutive months.
- Your job loss must not be due to resignation or a disciplinary reason.
- Submit the claim within the required time after losing your job through the official ILOE portal.
- If approved, you receive a percentage of your basic salary for a limited number of months.
Avoid Fines
Not subscribing on time or missing payments can lead to fines. Set up auto-renewal so your policy never lapses.
Rules, fees and requirements can change. Always confirm the latest details on the official government website before you apply.