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6/13/25, 10:32 AM ILOE: How to renew unemployment insurance, check fines and claim benefits in the UAE | The National
ILOE: How to renew unemployment insurance,

check fines and claim benefits in the UAE

It is up to the employee to ensure their policy is active and renewed on time

Dona Cheriyan
June 12, 2025

The mandatory unemployment insurance scheme, launched in the UAE two years
ago, has become a crucial safety net for staff in the country. All employed Emiratis
and residents in the UAE are required to sign up for the Involuntary Loss of
Employment insurance programme (ILOE). The employee must ensure the
subscription is completed and renewed on time.

Who needs to sign up for ILOE?
All employees in the private and public sectors are required to sign up for the ILOE policy. It is the

responsibility of the staff member to enrol in the initiative and renew the policy before it expires.

The scheme does not apply to the following groups:

Investors or business owners

Domestic workers

Temporary or contractual workers

Minors

Retired people who receive a pension who may have started work for a new employer

You can subscribe or renew the policy on the ILOE portal or app. For an additional service charge, you

can also subscribe through Al Ansari exchange house, government business centres, telecoms
service providers, ATMs, payment kiosks and certain authorised apps. Such alternative channels can
be found on the ILOE portal.

Categories and premiums
Employees can sign up to one of two categories – category A (basic monthly salary of Dh16,000
($4,356) or lower) and category B (basic monthly salary of more than Dh16,000). The premium for
category A is Dh5 a month, while it is Dh10 a month for category B. The premiums are subject to 5 per

cent VAT.

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