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ILOE Insurance · UAE

Check your ILOE insurance status & fines by Emirates ID

See whether you're subscribed to UAE unemployment insurance and whether you owe any ILOE fine — fast, free, and answered on WhatsApp. No portal logins needed.

ILOE Status & Fine Check
Takes under 60 seconds
  • Subscription & payment status
  • Any AED 400 non-subscription fine
  • What to do next, explained simply
Under 60 seconds Reply on WhatsApp
Private & secure 100% free check 5.0 · 255 reviews

ILOE claim calculator

Lost your job? Estimate your ILOE payout. The benefit is 60% of your average basic salary over your last 6 months, capped by category.

AED

Use your basic salary (not gross/total). Tap a figure or type your own.

Enter your average basic salary to see your estimated ILOE payout.

ILOE insurance in the UAE, explained

ILOE (Involuntary Loss of Employment) is the UAE's mandatory unemployment-insurance scheme. If you lose your job through no fault of your own, it provides a monthly cash benefit for a short period while you find new work. Subscription has been compulsory for most private-sector and federal employees since 2023.

Premiums and categories

There are two categories based on your basic salary. Category A (basic salary up to AED 16,000) costs AED 5 per month; Category B (above AED 16,000) costs AED 10 per month, plus VAT. You can pay monthly, quarterly, or annually.

ILOE fines

Not subscribing by your deadline carries an AED 400 fine, and not paying premiums for more than three months carries an AED 200 fine. Unpaid amounts can be taken from your salary or end-of-service and may stop a new work permit. If you're not sure where you stand, use the checker at the top of this page to see your status and any fines.

How to claim

To claim, you generally need at least 12 consecutive months of subscription, the job loss must be involuntary, and you must apply within 30 days of your last working day. The benefit is 60% of your average basic salary, capped at AED 10,000 per month (Category A) or AED 20,000 (Category B), for up to three months per claim.

ILOE questions, answered

What is ILOE insurance in the UAE?
ILOE (Involuntary Loss of Employment) is the UAE's mandatory unemployment insurance, introduced in 2023. If you lose your job involuntarily, it pays a monthly benefit for a limited period while you look for new work.
Who must subscribe to ILOE?
Most UAE private-sector and federal-government employees. Investors and business owners, domestic workers, under-18s, and pensioners who took a new job are generally exempt.
How much is the ILOE premium?
Category A (basic salary up to AED 16,000): AED 5/month. Category B (above AED 16,000): AED 10/month, plus VAT.
What is the ILOE fine for not subscribing?
AED 400 for failing to subscribe on time, and AED 200 for not paying premiums for more than three months. You can check any fines on this page with your Emirates ID.
How much ILOE compensation will I get?
60% of your average basic salary over the six months before unemployment, capped at AED 10,000/month (Category A) or AED 20,000/month (Category B), for up to three months. Use the calculator above to estimate yours.
Am I eligible to claim ILOE?
Generally you need 12+ consecutive months of subscription, an involuntary job loss (not resignation or dismissal for cause), and you must claim within 30 days of your last working day.