ILOE Insurance in UAE: How to Claim Easily

ILOE Insurance in UAE: How to Claim Easily

Losing your job can be a stressful and uncertain experience, but the ILOE Insurance (Involuntary Loss of Employment Insurance) scheme in the UAE is designed to provide you with financial stability during such times. Whether your employment ended due to company downsizing or restructuring, this scheme offers eligible employees temporary income support while they search for new opportunities.

If you’ve already subscribed to the scheme and are wondering how to claim your ILOE Insurance benefits, this step-by-step guide will walk you through everything — from eligibility criteria and required documents to common mistakes to avoid.

What is ILOE Insurance in the UAE?

ILOE stands for Involuntary Loss of Employment. It is a mandatory unemployment insurance scheme introduced under Federal Decree Business Consultant No. 13 of 2022, effective from January 1, 2023.

The program is supervised by the Ministry of Human Resources and Emiratisation (MOHRE) and managed through the UAE Insurance Pool (led by Dubai Insurance).

It covers most employees in the UAE’s private sector and federal government sector, with certain exemptions such as:

• Business owners and investors

• Domestic workers

• Juveniles under 18

• Retirees already receiving pensions

• Temporary contract workers not enrolled in the scheme

Premiums and Coverage

The scheme is divided into two categories:

👉 Benefits are paid for a maximum of 3 consecutive months per claim, with a lifetime cap of 12 months.

Key Benefits of ILOE Insurance

• Financial Safety Net – Receive up to 60% of your basic salary for 3 months while you look for a new job.

• Affordable Premiums – As low as AED 5–10 per month.

• Peace of Mind – Security against sudden layoffs.

• User-Friendly Claims – Fully digital claim process via the ILOE portal or mobile app.

• Supports UAE Vision – Strengthens workforce resilience and promotes economic stability.

Who Can Claim ILOE Insurance?

You are eligible to claim ILOE benefits if:
✔ You are a registered ILOE policyholder for at least 12 consecutive months.
✔ You lost your job for reasons beyond your control (downsizing, redundancy, restructuring).
✔ You are legally residing in the UAE with a valid visa.
✔ You submit your claim within 30 days of job loss.
✔ You do not have an active dispute with your employer.

Not eligible if:
❌ You resigned voluntarily.
❌ You were terminated due to disciplinary issues or fraud.
❌ You are a business owner, domestic worker, temporary worker, or retiree with a pension.

Step-by-Step Guide: How to Claim ILOE Insurance in UAE

Step 1: Confirm Eligibility

Make sure you meet all the criteria (12 months subscription, valid visa, involuntary job loss).

Step 2: File Your Claim Within 30 Days

Claims must be submitted within 30 days of termination.

Step 3: Log in to the ILOE Portal/App

Access the official ILOE website or mobile app. Log in using your Emirates ID.

Step 4: Upload Required Documents

• Emirates ID copy

• Passport + valid visa page

• Termination letter from employer

• Proof of last salary (bank statement or payslip)

• Proof of ILOE subscription

Step 5: Wait for Review

The insurance pool will review your application. Decisions are usually made within 14 working days.

Step 6: Receive Benefits

If approved, you’ll receive 60% of your basic salary (up to AED 10k or AED 20k, depending on your category) directly into your bank account for up to 3 months.

Common Mistakes to Avoid

⚠️ Missing the 30-day claim deadline
⚠️ Submitting incomplete or incorrect documents
⚠️ Resigning voluntarily (not covered)
⚠️ Ignoring follow-up requests from the insurer

What if Your ILOE Claim is Rejected?

If your claim is denied:

• Review the rejection reason carefully.

• Resubmit corrected documents if applicable.

• Contact ILOE customer support for clarification.

• If unresolved, escalate to MOHRE for review.

Need Expert Help with Your ILOE Claim?

Filing for ILOE benefits can feel overwhelming, especially during job loss. That’s where Legallands comes in.

How Legallands Can Support You:

✅ Check eligibility before you apply
✅ Assist with accurate documentation
✅ Guide you through the ILOE portal step by step
✅ Provide legal insights on employment rights in UAE
✅ Help if your claim is delayed or rejected

At Legallands, we make the process stress-free so you can focus on securing your next job opportunity while we handle the paperwork.

Reach out to Legallands today and let us simplify your ILOE Insurance claim process.