Page 137 - AAE PR REPORT - JUNE 2025

6/13/25, 10:32 AM ILOE: How to renew unemployment insurance, check fines and claim benefits in the UAE | The National
To start the process, you will need to submit your Emirates ID number, an active UAE phone number
and your date of birth. You will also need the letter of dismissal, including the reason for termination,
and relevant work permit cancellation documents.

The insurer may ask for further documents to ensure your eligibility, including attested labour
contracts, bank statements, evidence of visa cancellation and travel reports to prove your are
a resident of the UAE. Once the claim is verified, the benefits will be paid to the account specified by

the insurer within two weeks.

"A travel report issued by the Federal Authority for Identity Citizenship Customs and Port Security can
be crucial in ILOE-related claims as it illustrates that the claimant or employee was present in the UAE
at the time of termination, a factor that may otherwise be construed as abandoning the employment

relationship, and raising suspicions about the authenticity of the claim," Abdullah Ishnaneh, partner at
BSA Law, told The National.

Limits of coverage
If an employee receives the maximum benefit during the policy period – in one or more claims – the
insurance policy will be cancelled. The employee must then subscribe to the scheme again, once they
get a new job, and complete payments for 12 months before being eligible for future claims. This does
not apply in cases where the benefit received is for less than three months during the policy period.

The policy coverage is limited to one year of unemployment benefits.

How to check fines
The Ministry of Human Resources and Emiratisation said employees who are not subscribed to the
policy will be liable to pay a fine of Dh400. Those who do not keep up with premium payments – within
90 days from the due date – face a fine of Dh200.

You can check fines using the ministry's website or app.

The ILOE portal can help employees going through the subscription, renewal or claim processes. The

policy document on the portal also includes details of premium payments, the cancellation of
insurance and other terms and conditions.

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