Life throws surprises, and losing a job can feel like one of the toughest. If you’re in the UAE, then you don’t have to face unemployment alone. The Involuntary Loss of Employment (ILOE) Scheme is a lifeline for workers. Designed for those who suddenly find themselves out of work.
This insurance gives you monthly financial support for three months if you’ve subscribed for 12 straight months. In the meantime, you can search for your next opportunity.
The guide is written to walk you through everything, from checking if you’re eligible to claiming your payout step-by-step. Begin exploring the details with us that you need to know.
What is the ILOE Scheme in the UAE? Unemployment Scheme in UAE
The ILOE is an unemployment scheme UAE. This scheme gives money to workers in the UAE who lose their jobs for reasons they didn’t cause, like company layoffs. It pays up to 60% of their average basic salary for three months. This helps them manage expenses while they look for a new job.
Why the ILOE Scheme Exists
The UAE launched this scheme to protect employees and offer peace of mind during sudden job loss. It’s designed to give you breathing space, so you don’t have to worry about bills while you plan your next move.
Are You Eligible for ILOE Compensation?
Make sure you tick all the right boxes before you apply.
Basic Conditions for Eligibility:
| Requirement | Description |
| Subscription Duration | Must be subscribed for 12 consecutive months |
| Reason for Job Loss | Must be involuntary (not resignation or termination for misconduct) |
| Claim Submission Deadline | You must apply within 30 days of job termination |
| Work Permit Cancellation | The employer must have cancelled your work permit before your claim |
If you meet these, you’re good to go.
Step-by-Step Registration Process: How to Claim Your ILOE Payout Online
Getting your benefits is simpler than you think. Here’s the exact process, broken down into 5 simple steps.
Step 1: Log In to Your ILOE Account
- Visit the official site: https://www.iloe.ae
- Click “Submit your claim” on the homepage
- Choose “Login with OTP.”
- Enter your Emirates ID and mobile number
- Submit the OTP you receive to access your account
You’ll land on your personal dashboard once logged in.
Step 2: Fill Out the Claim Form
- Click ‘Claim Submission’ from the sidebar
- Review your name, mobile number, and subscription info
- Click “Proceed to your claim process” to move forward
Double-check that your 12-month subscription is showing as active!
Step 3: Verify Your Job Termination Details
- Check the termination reason and date
- If everything is correct, click ‘Yes’ and hit Submit
- If it’s incorrect, click ‘No’ and add a brief explanation. Upload documents like a termination letter, company statement, etc.
If your employer isn’t linked to MOHRE, you may see “N/A” in this section. You can still proceed with your claim.
Step 4: Pick How You Want to Get Paid
You get to choose how you receive your payout. Here are your options:
Option A: Bank Transfer
- Select ‘Bank’
- Choose your bank name
- Enter your IBAN and account number
- Confirm the account holder’s name
Triple-check these details to avoid delays.
Option B: Exchange House (Cash Pickup)
- Select ‘Exchange House’
- Pick your preferred branch
- Provide your Emirates ID and passport number
- Visit the exchange with your valid Emirates ID to collect the payment
Step 5: Submit and Track Your Claim
- Hit the Submit Claim button to finish
- You’ll receive updates by SMS and email
- To track your progress, log in to your account and check the ‘My Claims’ tab
How Much Money Will You Receive?
Your compensation equals 60% of your monthly salary (as per your insurance subscription), up to a maximum limit based on your salary tier.
Payout Table:
| Salary Tier | Monthly Salary Range | Maximum Monthly Compensation |
| Category A | AED 16,000 or less | Up to AED 10,000 |
| Category B | Above AED 16,000 | Up to AED 20,000 |
You can receive payments for up to three months. Similarly, claim your payment until you get a new job.
When Will You Receive the Payment?
If everything’s in order and your claim is approved, you should see your first payment within 2 weeks.
Payout Schedule:
- First Payment: Within 14 days of claim approval
- Subsequent Payments: Monthly (for up to 3 months)
You stop receiving payments if you leave the country. In another scenario, when you find new employment.
Benefits of the ILOE Scheme in the UAE:
Many perks of subscribing to the unemployment scheme UAE. Know what those are:
Monthly cash support: Get up to 60% of your average basic salary. Claim it for 3 months if you lose your job.
Financial stability: Helps you manage expenses. Meanwhile, you search for new work.
Affordable subscription: Low monthly or yearly fees. It is based on your salary category.
Easy online claim process: Simple steps through the official ILOE portal.
Wide coverage: Available to most public and private sector employees in the UAE.
No employer cost: You pay the premium yourself; your employer doesn’t need to contribute.
Peace of mind: Offers a safety net during unexpected career breaks.
Need Help? Here’s Where to Reach Out
Sometimes things don’t go smoothly, and that’s okay. If you need help at any stage, here are the official support channels:
Support Type Contact Info
Phone Support 600 599 555
Email [email protected]
They’re helpful and respond quickly, so don’t hesitate to reach out.
Don’t Forget to Renew Your Subscription!
It’s not just about claiming when things go wrong; you also need to stay covered. If your ILOE subscription is close to expiring, renew it early to stay protected.
Renewal matters as gaps in the subscription disqualify you from claiming. Renewing keeps you eligible for full benefits. It’s affordable and only takes a few minutes online
Why the UAE Unemployment Scheme Matters
The ILOE scheme isn’t just a policy. It’s a safety cushion that empowers workers across the UAE. Embrace the confidence with just a small monthly subscription. Know that even if something unexpected happens, you won’t be left empty-handed.
Some points that you should keep in mind. You must subscribe for 12 months before claiming. Job loss must be involuntary, and your compensation lasts up to 3 months. Be wise and apply within 30 days of losing your job. Choose a bank or an exchange house for your payout. Track your claim status online anytime
Final Words: You’re Not Alone
Losing a job can be scary. However, it doesn’t mean you’re stuck. Thanks to the unemployment scheme in the UAE. Enabling individuals to have peace of mind when suddenly losing a job. It allows you to regroup, refocus, and restart your journey with confidence.
Use this guide to understand the process, and remember you’re one step closer to your next big opportunity.
Need assistance with the ILOE scheme? Get support from Emiratisation Nafis professional consultancy. We’ll help you to register your account and claim your funds on time.
