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UAE job loss insurance (ILOE): cost, payout and who qualifies

Employees pay AED 5 or 10 a month. If they lose their job for a reason other than resignation, they get 60% of their salary for up to 3 months, capped at AED 10,000 or 20,000 a month. Not subscribing costs AED 400.

By MyGuide AE Editorial 2 min read

Employees in the UAE’s private and federal government sectors must subscribe to job loss insurance (ILOE). It costs AED 5 or 10 a month, and if you lose your job for a reason other than resigning it pays 60% of your salary for up to 3 months. Check your own case with our job loss insurance checker.

What it costs and what it pays

Category 1 Category 2
Basic salary Less than AED 16,000 More than AED 16,000
Premium No more than AED 5 a month No more than AED 10 a month
Compensation 60% of salary, up to AED 10,000 a month 60% of salary, up to AED 20,000 a month
For how long Up to 3 months; it stops if you start a new job

Workers paid on commission with no basic salary defined in their contract may choose either category.

When you can claim

  • You have been subscribed for at least 12 continuous months and paid every premium.
  • You lost the job for a reason other than resignation, and not by a disciplinary dismissal.
  • You claim within 30 days of the end of the job, or of the resolution of a labour dispute.
  • You are in the UAE and have no open absence complaint against you.

Once the claim is accepted, compensation is paid within two weeks of the date you filed it.

Who is excluded

Investors who own the establishment they work in, domestic workers, employees on temporary contracts, under-18s, and Emiratis who meet the conditions for retirement or draw a pension and took a new job.

Fines

AED 400 for not subscribing, and AED 400 for not paying the premiums.

Where to subscribe and pay

The ILOE website and app, its contact centre, Tasheel and Tawjeeh business service centres, ATMs and kiosks (MBME Pay, C3Pay, UPay), Al Ansari Exchange, some bank apps, SMS on du and Etisalat, and the BOTIM app.

Leaving a job? Work out everything else you are owed with the final settlement calculator.

Checked against the UAE government portal (u.ae), content sourced to the Ministry of Human Resources and Emiratisation, on 25 September 2026. General information, not legal advice. See our editorial policy.

Sources we checked

The official bodies where these figures and rules are kept up to date. Where an official page disagrees with us, the official page is right.

Prices are what we last paid or last verified, in dirhams. Opening hours change on public holidays and during Ramadan — always confirm on the venue’s own site before you travel. Our editorial policy

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