What would ILOE pay you if you lose your job?
60% of your basic salary for up to three months a claim, capped at AED 10,000 a month if your basic salary is AED 16,000 or less and AED 20,000 above.
What is the rule?
- You need 12 consecutive months of subscription with all premiums paid.
- No benefit after resignation or a disciplinary dismissal. Claim within 30 days of the job ending.
- The benefit stops if you start a new job. At most 12 months of benefit over your working life in the UAE.
- ILOE's policy terms use the average basic salary of your last six months.
| Basic salary | Premium | Benefit a month | Three months |
|---|---|---|---|
| AED 5,000 | AED 5 a month plus VAT | AED 3,000 | AED 9,000 |
| AED 12,000 | AED 5 a month plus VAT | AED 7,200 | AED 21,600 |
| AED 16,000 | AED 5 a month plus VAT | AED 9,600 | AED 28,800 |
| AED 25,000 | AED 10 a month plus VAT | AED 15,000 | AED 45,000 |
| AED 40,000 | AED 10 a month plus VAT | AED 20,000 | AED 60,000 |
See ILOE unemployment insurance and how to claim.
Sources
- Federal Decree-Law No. (13) of 2022 Concerning Insurance Against UnemploymentUAE Legislation. Issued 15 September 2022. Articles 5 and 6. Read 12 November 2026.
- Cabinet Resolution No. (97) of 2022 on the Unemployment Insurance SchemeUAE Legislation. Articles 7, 8, 9, 10, 12 and 13. Read 12 November 2026.
- About the Involuntary Loss of Employment SchemeILOE (Dubai Insurance and the insurance pool). Undated page. Read 12 November 2026.