ILOE (Involuntary Loss of Employment) is the UAE's compulsory unemployment insurance, under Federal Decree-Law No. 13 of 2022. It pays part of your salary for a short time if you lose your job for reasons other than resignation or disciplinary dismissal.
Premium (official)
- Basic salary AED 16,000 or less: AED 5 a month plus VAT.
- Basic salary above AED 16,000: AED 10 a month plus VAT.
What it pays
- 60% of your average basic salary over the last 6 months.
- Up to AED 10,000 a month (first category) or AED 20,000 (second category).
- Up to 3 months per claim, and 12 monthly benefits over your whole working life in the UAE.
- You must have paid premiums for at least 12 consecutive months before you can claim.
Fines (MOHRE)
- Not subscribing: AED 400.
- Not paying premiums: AED 200. The policy is cancelled if a payment is more than 90 days overdue.
Subscribe on iloe.ae, the ILOE app, the call centre on 600599555, or the channels MOHRE lists, such as kiosks, exchange houses and bank apps. MOHRE told new private-sector workers to register within four months of receiving their work permit.
Last checked: Oct 2026. Sources: iloe.ae, u.ae and MOHRE.