How to Claim UAE Unemployment Insurance Online

Losing a job can be a challenging experience, but the UAE’s Unemployment Insurance Scheme, also known as the Involuntary Loss of Employment (ILOE), aims to provide some financial stability to workers during this transition. If you’re eligible for this program, you can receive cash compensation for up to three months, giving you time to find new opportunities.

This blog explains the step-by-step process of claiming ILOE compensation online and what you need to know about the scheme.

What is the UAE Unemployment Insurance Scheme?

The ILOE Scheme is designed to provide financial support for workers in the UAE who lose their jobs due to reasons other than disciplinary actions or resignations. It’s a safety net available for employees across both the private and federal sectors.

With this program, eligible employees can claim 60% of their basic subscription salary, capped at AED 10,000 per month for salary brackets under AED 16,000 and AED 20,000 per month for higher brackets.

Here are some key requirements:

• You must have been subscribed to the ILOE scheme for 12 consecutive months.
• You must submit the claim within 30 days of job termination.
• Your employer should have completed the cancellation of your work permit.

Now that the basics are clear, here’s how to submit your claim online.

How to Claim ILOE Compensation Online in 5 Steps

The process is straightforward and can be completed entirely online through the official ILOE website (iloe.ae).

Login to Your ILOE Account

1. Visit iloe.ae and click on the ‘Submit Your Claim’ option.
2. On the login page, select ‘Login with One-Time Password (OTP)’.
3. Enter your mobile number and Emirates ID, then request an OTP.
4. Enter the OTP sent to your phone to log in.

Once logged in, your personal dashboard will display your insurance policy details and payment history.

Fill in the Claim Submission Form

1. Navigate to the ‘Claim Submission’ section in your dashboard.
2. Verify details such as:

• • • Your employee name
    • Policy duration
    • Mobile number (ensure this matches the one registered on ILOE)

3. Click ‘Proceed to your claim process’.

If any incorrect information is displayed, provide comments in the remarks section and upload supporting documents before proceeding.

Confirm Job Termination Details

1. Confirm the reason for termination of the employment contract and the termination date.
2. Select:

• • • ‘Yes’ if the details are accurate.
    • ‘No’ if they need correction, along with remarks and supporting documents.

3. Click the ‘Submit Claim’ button to proceed.

Important: If your company is not registered under MOHRE, the termination details might show as ‘N/A’. Simply proceed to submit your claim in such cases.

Choose Your Payment Method

Decide how you want to receive your insurance payout:

• Bank Transfer:
  • • Choose your bank from the drop-down menu.
    • Enter your International Bank Account Number (IBAN), account number, and account holder’s name.
    • Ensure IBAN details are correct, as errors may delay your payment.
• Cash Payment:
  • • Select your preferred exchange house from the list.
    • Enter your Emirates ID and passport number.
    • Don’t forget to carry a valid Emirates ID when collecting the payment in person.

Submit the Claim

1. Once you’ve completed your payment details, click ‘Submit Claim’.
2. You’ll receive updates on your claim status via your registered email and mobile number.
3. Alternatively, you can check the status of your claim under the ‘My Claims’ section in your dashboard.

According to the Ministry of Human Resources and Emiratisation (MOHRE), payments are processed within two weeks from submission.

How Much Compensation Can You Receive?

Compensation under the ILOE scheme is calculated at 60% of your basic salary, with limits based on your subscription category:

• Category A (Basic salary below AED 16,000): Maximum monthly benefit is AED 10,000.
• Category B (Basic salary above AED 16,000): Maximum monthly benefit is AED 20,000.

Payments will be made for up to three months or until you secure a new job, whichever comes first.

FAQs About the ILOE Scheme

1. Who is eligible for the ILOE scheme?

Employees who have subscribed to the scheme for at least 12 consecutive months, as long as they were not terminated for disciplinary reasons or resigned voluntarily.

2. What documents do I need to submit a claim?

While much of the information is pre-filled in the online form, make sure to have any termination documents or supporting information ready in case of discrepancies.

3. Can I receive compensation if I am relocating?

If you’re leaving the UAE permanently, compensation under the scheme will not apply.

4. Can free zone employees claim unemployment insurance?

Yes, as of 2024, free zone companies can enroll their employees under the ILOE scheme.

For more details, refer to our related article.

Securing Stability Through the ILOE Scheme

The ILOE scheme is a vital resource for UAE workers facing unexpected job loss. By providing financial support and a structured claims process, it helps bridge the gap between jobs while offering peace of mind.

To learn more about unemployment insurance or to enroll in the ILOE scheme, visit iloe.ae or reach out to the ILOE call center at 600 599 555.