ILOE Insurance (Involuntary Loss of Employment) is a mandatory unemployment protection scheme established under Federal Decree Law No. 13 of 2022. It was launched in January 2023 by the UAE Ministry of Human Resources and Emiratisation (MOHRE), with administration handled by the Insurance Pool led by Dubai Insurance Company.

The purpose of this scheme is to provide financial support to employees in both the federal government sector and the UAE private sector, in case of sudden job loss due to reasons beyond their control (excluding resignation or disciplinary dismissal).

ILOE Insurance is not only a compliance requirement but also part of the UAE’s long-term vision of a resilient labour market. It supports both expatriates and nationals by:

• Offering income replacement (up to 60% of basic salary, capped at AED 10,000 or AED 20,000 depending on category)
• Ensuring financial stability for families during employment gaps
• Reducing the social and economic risks of unemployment
• Promoting the UAE’s global reputation as a secure and employee-friendly destination

To claim benefits, employees must meet these conditions:

• Employment Type: Must be employed in the UAE private sector or federal government.
• Subscription Period: Minimum 12 months of continuous ILOE contributions.
• Reason for Job Loss: Must be involuntary (downsizing, liquidation, restructuring).
• Residency: Must hold a valid UAE residence visa.
• Filing Deadline: Claim must be submitted within 30 days of job loss.

Exemptions (Not Eligible for ILOE Insurance):

• Investors and business owners
• Domestic workers
• Temporary or part-time workers not registered under ILOE
• Workers under 18 years of age
• Retirees drawing pensions who have rejoined work

ILOE is divided into two salary-based categories:

Category	Salary Range	Monthly Premium	Max Monthly Compensation
A	AED ≤ 16,000	AED 5 (+ VAT)	Up to AED 10,000
B	AED > 16,000	AED 10 (+ VAT)	Up to AED 20,000

• Benefits are paid monthly for up to 3 months per claim.
• Maximum lifetime coverage: 12 months of benefits.

Employees can complete their ILOE insurance UAE registration online using any of the following official channels:

1. ILOE Portal (www.iloe.ae)
2. ILOE Mobile App (iOS & Android)
3. Etisalat SMS Service (send 2120)
4. Al Ansari Exchange & UAE exchange houses
5. Partner apps like BOTIM, MBME, C3Pay

After registration, employees receive a policy certificate linked to their Emirates ID.

Renewing ensures uninterrupted protection. To complete ILOE insurance renewal online login:

1. Visit iloe.ae and log in with Emirates ID.
2. Select “Renew ILOE Insurance.”
3. Make secure payment via debit/credit card.
4. Download the renewal confirmation for records.

Failure to renew results in fines and may block Emirates ID renewal.

Employees who fail to register or renew on time may face penalties:

• AED 400 for failing to subscribe before deadline
• AED 200 for missing renewal or late payments

You can easily perform an ILOE insurance fine check through the official portal or app before renewing your Emirates ID.

Employees who lose their job can claim ILOE benefits in 6 steps:

1. Verify Eligibility: Must have 12 months of active subscription and valid visa.
2. Submit Within 30 Days: Claim must be filed within one month of termination.
3. Login to Portal: Access ILOE login via Emirates ID.
4. Upload Documents: Emirates ID, passport copy, termination letter, last payslip, bank details.
5. Review Process: Claim evaluated within 14 working days.
6. Receive Payment: Monthly compensation transferred to your UAE bank account.

Example:

• Employee with AED 12,000 salary → receives up to AED 10,000/month (Category A).
• Employee with AED 22,000 salary → receives up to AED 20,000/month (Category B).

• Missing the 30-day claim deadline
• Submitting incomplete documentation
• Voluntary resignation (not covered)
• Ignoring follow-up requests from the insurer

If your claim is rejected:

1. Review the rejection reason provided.
2. Contact Dubai Insurance / ILOE customer support.
3. File an appeal with MOHRE if unresolved.

ILOE Insurance is more than compliance—it’s a safety net for your career. With affordable premiums, quick online registration, and reliable monthly payouts, it ensures peace of mind during uncertain times.

Secure your future now with ILOE Insurance UAE — register, renew, or check your policy at www.iloe.ae