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Emiratis and expatriates employed by the federal government and private sector in the UAE are financially secure because of the country's mandatory unemployment insurance scheme. It was created as a safety net for workers who lose their jobs as a result of termination, providing monthly benefits in return for a small insurance premium paid while the worker was employed.

Benefits are limited to three consecutive months per claim under Federal Decree-Law No. 13 of 2022 on Involuntary Loss of Employment (ILOE), which allows eligible employees to receive up to 60% of their average basic salary over the previous six months. Workers must have paid their premiums for a minimum of 12 consecutive months in order to be qualified.

The ILOE insurance scheme was introduced by the MOHRE in 2022 and went into effect in 2023. It is administered by the Insurance Pool, which is managed by Dubai Insurance, which also handles claims and subscriptions. Now, you can check for the best insurance company to purchase ILOE insurance.

Involuntary loss of employment insurance subscription costs and compensation benefits

• Category A (basic salary of AED 16,000 or below)

Premium: Dh5 + VAT per month

Compensation: Up to Dh10,000 per month for up to three months per claim

• Category B (basic salary above Dh16,000)

Premium: Dh10 + VAT per month

Compensation: Up to Dh20,000 every month for a maximum of three months per claim.

How to apply for the Involuntary Loss of Employment scheme online

Employees can subscribe to the ILOE (unemployment insurance) scheme for free using the ILOE mobile app or the official website, www.iloe.ae. Register by following these actions:

Step 1: Visit the Involuntary Loss of Employment website

Click the red "Subscribe Here" button in the middle of the homepage when you visit www.iloe.ae.

Step 2: Select the employment sector and enter the details

The ILOE application portal will be the next page you see. Select if you work for the federal government or the private sector under the "Individual" category.

Enter your Unified Identification Number (UID) or Emirates ID number to proceed. Enter your mobile number to get a one-time password (OTP) for authentication.

Based on your salary, the system will classify you as either Category A or Category B after you log in.

Step 3: Choose a payment plan 

A one-year or two-year subscription is available. If you decide to subscribe for a year, you can pay:

• Monthly

• Quarterly

• Semi-annually

• Annually

Depending on your selected plan, the system will categorize information like the start date, expiry date, insurance cost, and total premium payable.

Step 4: Complete registration and payment

• After reading the terms and conditions, check the box to indicate your acceptance of them. For the insurance certificate, click "Pay Now" and optionally enter your email address.

• You'll be taken to the safe online payment gateway. After entering your credit card information and confirming an OTP that was sent to your registered mobile number, you can complete the purchase.

• You will receive an email with a confirmation and an insurance certificate as soon as the payment is successful.

•  An alternative is to download a PDF of your insurance certificate by logging into your Involuntary Loss of Employment dashboard.

Alternative subscription channels

•  You can subscribe to Involuntary Loss of Employment via the following channels if you are unable to do so online:

•  Exchange Centers: Open at all Al Ansari Exchange branches in the UAE (cash payments accepted).

•  MOHRE Business Centers: Tasheel and Tawjeeh centers are where you can register.

•  Customers of e& (Etisalat) Customers: Send an SMS to 2120 by sending their Emirates ID number (ID, for example, 784XXXXXXXXXXX to 2120).

•  Payment Kiosks: Available at supermarkets and shopping centers via Upay and MBME Pay machines.

Renewing Involuntary Loss of Employment Insurance

Since your involuntary loss of employment insurance must be paid for every two years, it is essential that you renew it on time. In the event that you lose your work, you will no longer be eligible for unemployment benefits if the premium is not paid during the three-month grace period. You will also need to sign up for a new policy because your current subscription will be terminated. Because workers must maintain a continuous 12-month subscription in order to be eligible for unemployment benefits, this affects their eligibility for future compensations. It’s better you always check with your insurance company that your renewal is on time and not delayed.

How to check involuntary loss of employment late renewal fines

You might need to see if there are any penalties associated with missing your renewal payment. This can be accomplished using the Ministry of Human Resources and Emiratization's (MOHRE) ILOE Quick Pay website. Go to the MOHRE website at www.mohre.gov.ae, click "Services," and then "ILOE Quick Pay" to see whether you have any penalties. Research and find the best insurance company for the best experience.