The Involuntary Loss of Employment (ILOE) Insurance Scheme is one of the UAE’s most significant social protection initiatives, designed to provide temporary financial relief to workers who lose their jobs through no fault of their own. If you work in the private sector or federal government and face sudden unemployment, understanding the claim process is crucial to securing your benefits.
This guide outlines who is eligible, what documents you need, and how to submit a claim so you can navigate the process smoothly.
What is the ILOE scheme?
The ILOE insurance scheme was introduced by the UAE government to protect workers’ financial stability, enhance job market competitiveness for Emiratis, and attract top global talent. It offers eligible employees a monthly payout for up to three months after involuntary termination.
This initiative reflects the UAE’s growing focus on strengthening social safety nets while creating a more resilient workforce.
For a complete practical guide to life in the Emirates, explore our full Living in the UAE hub.
How much compensation you will receive
Compensation is calculated as 60% of your average monthly basic salary from the past 12 months, capped by your salary category:
| Category | Basic Salary | Max Monthly Compensation |
|---|---|---|
| A | AED 16,000 or less | AED 10,000 |
| B | Above AED 16,000 | AED 20,000 |
Payments are made for up to three months or until you secure new employment or exit the UAE, whichever comes first.
Key eligibility requirements
To claim ILOE benefits, you must meet the following conditions:
- 12 months of continuous subscription
You must be enrolled in the ILOE insurance scheme for at least 12 consecutive months before your job loss. - All premiums paid on time
Delayed or missed premium payments can disqualify your claim. - Involuntary termination
You must have been terminated by your employer. Resignations do not qualify. - No dismissal for misconduct
Termination for disciplinary reasons automatically disqualifies claims. - Claim within 30 days
Submit your claim within 30 days of your termination date or after a labour dispute is settled. - No abscondment complaints
Active abscondment reports from an employer or authority will lead to rejection. - No fraudulent claims
Submitting false documents or making a deceptive claim can result in penalties. - Not due to strikes or stoppages
Loss of employment due to illegal strikes or work stoppages is not covered. - Valid UAE residency
You must hold legal residency status when filing your claim.
Required documents
You’ll need to prepare the following documents for your claim:
- Signed work permit cancellation
- Employment contract
- Termination letter
- Copy of Emirates ID
- IBAN certificate from your bank
How to file an ILOE claim
You can submit a claim online through the official ILOE platform: www.iloe.ae