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ILOE Insurance

UAE unemployment insurance — subscription, fines and claim support.

Unemployment insurance · UAE

Check your ILOE status, fines and payout.

See whether you are subscribed to UAE unemployment insurance, whether you owe the 400 fine, and how much you would receive if you lost your job — answered on WhatsApp, no portal logins.

  • Status check
  • Fine check
  • Subscription
  • Claim support
Check my ILOE status+971 56 655 6645

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ILOE at a glance

2026

Example · Category A employee, 12,000 basic

  1. Premium 5 or 10 per month + VAT01
  2. Benefit 60% of average basic salary02
  3. Capped at 10,000 or 20,000 per month03
  4. Paid for up to 3 months per claim04
  5. 12 months of subscription needed to claim05
Non-subscription fine400
Free

Status in 60 seconds

Send your Emirates ID number and we confirm whether you are subscribed and paid up.

Compliance

Fines cleared

The 400 non-subscription and 200 arrears fines identified and settled before they block a work permit.

Register

Subscription done for you

Registered on the right category with the cheapest annual payment option.

Claim

Claim prepared

Just lost your job? We assemble the claim inside the 30-day window.

What we handle

Everything ILOE, start to finish.

Whether you have never subscribed, owe a fine, or need to claim after a termination — pick what applies and we take it from there.

Free

Status & fine check

We confirm subscription status, payment history and any outstanding fine against your Emirates ID.

From 5/mo

New subscription

Registration on Category A or B with the correct basic salary and the payment plan that suits you.

400 / 200

Fine settlement

400 non-subscription or 200 arrears fines calculated and cleared so a new work permit is not blocked.

Ongoing

Renewal & payment

Annual, half-yearly, quarterly or monthly premium payments kept current so cover never lapses.

30 days

Claim filing

Termination letter, bank details and claim submission inside the 30-day deadline.

Advice

Eligibility review

An honest read on whether your circumstances qualify before you spend time on a claim.

Check on WhatsApp

How a claim works

From last working day to money in the bank.

Miss the 30-day window and the claim is closed — the timeline matters more than the paperwork.

  1. 01

    Termination confirmed

    Your employer ends the contract for reasons outside your control. Keep the termination letter and your final settlement.

  2. 02

    Eligibility checked

    12 consecutive months of subscription, no unpaid premiums, and a genuine involuntary loss of employment.

  3. 03

    Claim submitted

    Filed within 30 days of the last working day through the ILOE channels, with bank details and supporting documents.

  4. 04

    Assessment

    The insurance pool verifies employment records with MOHRE and confirms your category and average basic salary.

  5. 05

    Payment

    Approved claims are paid within about two weeks, then monthly for up to three months or until you start a new job.

What you need

Have these ready and the claim moves.

Everything is digital — no typing centre, no queue.

Emirates ID number

The only thing we need to run a free status and fine check.

Termination letter

Confirming the contract ended for reasons other than resignation or misconduct.

Last 6 payslips

Used to establish your average basic salary — the figure the 60% benefit is based on.

IBAN

A UAE bank account in your own name for the monthly benefit payment.

Passport & visa copy

Residency must still be valid when the claim is filed.

Labour contract

MOHRE contract showing the basic salary and start date used for the 12-month test.

Who is covered

Subscription is compulsory — with a few exemptions.

Most people working in the UAE must subscribe, regardless of nationality or job title.

Private-sector employees

Compulsory for almost all staff on a MOHRE contract.

Federal-government employees

Compulsory, on the same category and premium structure.

Investors & owners

Exempt — people who own the business they work in.

Domestic workers

Exempt from the scheme entirely.

Under-18s

Exempt; the scheme applies to adult employees.

Re-employed retirees

Exempt when a pensioner takes up a new job.

Premiums, caps & fines

The numbers you actually need.

Two categories decide everything — your premium, your cap and your payout.

5

Category A premium

Basic salary up to 16,000 — per month plus VAT.

10

Category B premium

Basic salary above 16,000 — per month plus VAT.

10,000

Category A benefit cap

Maximum monthly payout for Category A.

20,000

Category B benefit cap

Maximum monthly payout for Category B.

400

Non-subscription fine

For failing to subscribe by your deadline.

200

Arrears fine

For not paying premiums for more than three months.

Benefit is 60% of average basic salary over the last six months, for up to three months per claim, subject to the category cap. Premiums exclude VAT. Figures are the official ILOE scheme rates for 2026.

Two categories

Category A vs Category B.

Your basic salary — not your gross package — decides which one you fall into.

Category A

Basic up to 16,000

5 per month + VAT

  • Monthly benefit capped at 10,000
  • 60% of average basic salary over 6 months
  • Up to 3 months of payments per claim
  • Annual payment option is the simplest to keep current

Category B

Basic above 16,000

10 per month + VAT

  • Monthly benefit capped at 20,000
  • 60% of average basic salary over 6 months
  • Up to 3 months of payments per claim
  • Same 12-month subscription requirement to claim
Check on WhatsApp

Why use us

Because a 400 fine can hold up your next job.

Free status check

Emirates ID number in, subscription and fine status back — no portal login needed.

Work-permit safe

We clear arrears before they surface at MOHRE and delay a new visa or renewal.

Deadline watched

The 30-day claim window and premium due dates tracked for you.

Plain answers

If you are not eligible, we say so straight away instead of filing a claim that fails.

“People treat ILOE as a five-dirham formality until a 400 fine stops a work permit. Check your status once, pay annually, and it never becomes a problem.”
From our desk — Senior consultant — Brightlink Consulting

Not sure if you are subscribed to ILOE?

Send us your Emirates ID number on WhatsApp and we will check your status, any fines and your likely payout — free.

Check on WhatsAppOpen the fee calculator

ILOE (Involuntary Loss of Employment) is the UAE's mandatory unemployment-insurance scheme, compulsory for most private-sector and federal employees since 2023. It costs 5 or 10 a month depending on your basic salary, and pays 60% of that salary for up to three months if you lose your job through no fault of your own. We check your subscription status and any outstanding fines by Emirates ID, register you if you are not covered, and prepare a claim if you have just been let go.

Category A premium
5 / month
Category B premium
10 / month
Benefit
60% of basic salary
Non-subscription fine
400

Who must subscribe

Subscription is compulsory for most employees in the private sector and the federal government, regardless of nationality or contract type.

  • Private-sector and federal-government employees must subscribe
  • Investors and business owners who own their own firm are exempt
  • Domestic workers, temporary-contract workers and under-18s are exempt
  • Retirees who have taken up a new job are exempt

Premiums and categories

Two categories, based on your basic salary — not your gross package. Premiums can be paid monthly, quarterly, half-yearly or annually, and the annual option is the cheapest to administer.

  • Category A — basic salary up to 16,000: 5 per month plus VAT
  • Category B — basic salary above 16,000: 10 per month plus VAT
  • Payment channels include the ILOE portal, app, kiosks, exchange houses and telecom bills

Fines for non-compliance

Missing the deadline is expensive relative to the premium, and unpaid amounts follow you into your next job.

  • 400 for failing to subscribe by your deadline
  • 200 for not paying premiums for more than three months
  • Unpaid amounts can be deducted from salary or end-of-service benefits
  • Outstanding fines can block a new work permit or a residency renewal

How the claim works

The benefit is 60% of your average basic salary over the six months before unemployment, capped at 10,000 per month for Category A and 20,000 for Category B, for a maximum of three months per claim.

  • At least 12 consecutive months of subscription before the claim
  • The job loss must be involuntary — not resignation or dismissal for cause
  • Claim within 30 days of your last working day
  • Payment is made within two weeks of claim approval

Frequently asked

ILOE (Involuntary Loss of Employment) is the UAE's mandatory unemployment-insurance scheme, introduced in 2023. If you lose your job involuntarily it pays a monthly cash benefit for a limited period while you look for new work.

Most private-sector and federal-government employees. Investors and business owners, domestic workers, temporary-contract workers, under-18s and pensioners who have taken a new job are generally exempt.

Category A (basic salary up to 16,000) is 5 per month plus VAT. Category B (basic salary above 16,000) is 10 per month plus VAT. You can pay monthly, quarterly, half-yearly or annually.

400 for failing to subscribe on time, and 200 for not paying premiums for more than three months. Send us your Emirates ID number on WhatsApp and we will check your status and any fines for free.

60% of your average basic salary over the six months before unemployment, capped at 10,000 per month for Category A and 20,000 for Category B, for up to three months per claim.

You generally need 12 or more consecutive months of subscription, the job loss must be involuntary, and the claim must be filed within 30 days of your last working day. Claims are rejected for resignation, dismissal for disciplinary reasons or if you have already left the country.

No. The scheme only covers involuntary loss of employment. Resignation and termination for disciplinary reasons are both excluded.

Fines are settled through the ILOE portal, app or authorised channels, and must be cleared before a new work permit is issued. We can confirm the exact outstanding amount and settle it with you.

Find out if you qualify — in one conversation

A senior consultant reviews your profile and returns a written eligibility opinion. No obligation, no cost.

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