Hello Readers, Losing a job unexpectedly can be tough, but the UAE’s Involuntary Loss of Employment (ILOE) insurance scheme is here to help. Launched in 2023 under Federal Decree Law No. 13 of 2022, this mandatory program offers financial support to employees in the public and private sectors who face involuntary job loss. In 2025, ILOE remains a key part of the UAE’s worker protection framework, providing up to 60% of your basic salary for three months. In this guide, I’ll explain what ILOE is, who needs it, how to register, claim benefits, and avoid fines. Let’s get started!
What is ILOE Insurance?
ILOE stands for Involuntary Loss of Employment, a government-backed insurance scheme designed to provide a financial safety net for UAE employees. If you lose your job due to reasons beyond your control—like company downsizing or economic challenges—ILOE pays out a monthly cash benefit to help cover expenses like rent and groceries while you search for a new job. The program, managed by the Ministry of Human Resources and Emiratisation (MOHRE) and Dubai Insurance Company, ensures workers maintain a decent standard of living during unemployment.
This scheme applies to both UAE nationals and expatriates in the private sector, federal government, and most free zones (except DIFC, which has separate rules). By 2025, over 9 million employees have subscribed, making it a cornerstone of UAE’s labor welfare system.
Who Needs to Subscribe to ILOE?
ILOE is mandatory for most employees in the UAE, but some groups are exempt. Here’s a quick breakdown:
|
Category |
Requirement |
|---|---|
|
Private Sector Employees |
Mandatory, including free zone workers (except DIFC). |
|
Federal Government Employees |
Mandatory. |
|
Exempt Groups |
Business owners, domestic workers, temporary staff, retirees with pensions, and workers under 18. |
To be eligible for benefits, you must:
-
Be a UAE resident with a valid work permit.
-
Have paid premiums for at least 12 consecutive months.
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Be aged 18–60.
-
Lose your job involuntarily (not due to resignation or misconduct).
Failing to subscribe can lead to a AED 400 fine and ineligibility for benefits, so it’s crucial to stay compliant.
ILOE Premium Costs in 2025
ILOE premiums are affordable and based on your basic salary. There are two categories:
|
Category |
Basic Salary |
Monthly Premium |
Annual Premium |
Max Monthly Benefit |
|---|---|---|---|---|
|
Category A |
AED 16,000 or less |
AED 5 + VAT |
AED 60 + VAT |
AED 10,000 |
|
Category B |
Over AED 16,000 |
AED 10 + VAT |
AED 120 + VAT |
AED 20,000 |
In 2025, policy periods are available for one or two years, with VAT (5%) added to the first payment. You can pay monthly, quarterly, semi-annually, or annually. New registrations in 2025 no longer accept quarterly or monthly payments, requiring full payment upfront for one- or two-year plans.
How to Register for ILOE Insurance
Registering for ILOE is simple and can be done through multiple channels. Here’s how:
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Visit the Official Portal: Go to www.iloe.ae and click “Subscribe/Renew Here.”
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Select Your Sector: Choose private sector, federal government, or free zone (non-MOHRE registered).
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Enter Details: Provide your Emirates ID or Unified ID Number (UID) and a UAE mobile number for OTP verification.
-
Choose Payment Plan: Select a one- or two-year policy and payment frequency (if applicable).
-
Make Payment: Use a credit/debit card, Al Ansari Exchange, or employer wage deduction.
Alternatively, you can:
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Download the ILOE mobile app from the Apple App Store or Google Play Store.
-
Visit Al Ansari Exchange, Tawjeeh, or Tasheel centers for in-person registration.
-
Use MOHRE’s ILOE Quick Pay for fast payments without logging in.
New employees must subscribe within four months of receiving their work permit to avoid penalties.
How to Claim ILOE Benefits
To claim ILOE benefits, you must meet specific conditions and submit your claim within 30 days of job loss. Here’s the process:
-
Check Eligibility: Ensure you’ve paid premiums for 12 consecutive months and your job loss wasn’t due to resignation, misconduct, or fraud.
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Gather Documents: Prepare your termination letter, Emirates ID, and a travel report (from GDRFA or Amer centers) to confirm you’re in the UAE.
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Submit Claim: File through www.iloe.ae, the ILOE app, or call 600 599555.
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Wait for Approval: Claims are processed within two weeks. If approved, payments are transferred to your account within 14–30 days.
Claims are rejected if:
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You’re employed elsewhere.
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Your job loss was due to disciplinary reasons or non-peaceful strikes.
-
You’re not legally present in the UAE.
If denied, you can appeal through the Insurance Dispute Resolution Committee under the Central Bank of the UAE, with most cases resolved within 20 days.
Benefits of ILOE Insurance
ILOE provides critical financial support, paying 60% of your average basic salary (calculated over the last 6–12 months) for up to three months per claim. The total lifetime benefit is capped at 12 monthly payments across your UAE career. For example, if your basic salary is AED 10,000, you could receive AED 6,000 monthly for three months, helping cover essentials during job transitions.
This scheme also boosts the UAE’s appeal as a global talent hub by offering job security, making it easier for workers to focus on finding new opportunities without financial stress.
Tips to Manage Your ILOE Subscription
To make the most of ILOE in 2025, keep these tips in mind:
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Pay on Time: Missing premiums for over three months cancels your policy and incurs a AED 200 fine. Re-subscribe with a new policy if this happens.
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Use Direct Channels: Avoid extra fees by paying through www.iloe.ae or the ILOE app.
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Check Status: Monitor your policy status via the ILOE website or app.
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Contact Support: Call 600 599555 or email support@iloe.ae for help with registration or claims.
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Stay Informed: Follow MOHRE updates for changes in policy or deadlines.
Challenges and Solutions
Some users report issues with the ILOE app, such as payment processing errors or lack of UAEPASS login. If you face problems, try alternative channels like Al Ansari Exchange or contact customer support. For technical issues, submit a ticket via the MOHRE website or app.
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Final Thoughts
ILOE insurance in 2025 is a vital safety net for UAE employees, offering peace of mind during unexpected job loss. With affordable premiums, a straightforward registration process, and clear claim guidelines, it’s easy to stay compliant and protected. Whether you’re in Dubai, Abu Dhabi, or a free zone, subscribing to ILOE ensures financial stability while you navigate career transitions. Visit www.iloe.ae or call 600 599555 to sign up or learn more, and take control of your financial future today!
