UAE ILOE Claim 2026: 60% Payout, Calculator, Fine Deadline & Steps

The UAE ILOE claim process lets eligible workers receive 60% of their average basic salary for up to three months after involuntary job loss, provided they file within 30 days via the official portal iloe.ae. As of November 2026, the portal includes a built-in compensation calculator and MOHRE's last announced fine-discount campaign ended on 31 December 2025 — check iloe.ae for any extension.

What Is UAE ILOE Insurance and Who Must Subscribe?

The Involuntary Loss of Employment (ILOE) scheme is a federal social insurance programme introduced under Federal Decree-Law No. 13 of 2022 and detailed in Cabinet Resolution No. 97 of 2022. It is administered by Dubai Insurance (PJSC) under the oversight of the Ministry of Human Resources and Emiratisation (MOHRE). The scheme forms part of the broader Worker Protection Program (WPP) designed to safeguard private-sector and federal government employees against sudden income loss.

Who must subscribe: Every employee in the private sector and federal government entities, regardless of nationality, must hold an active ILOE policy. The obligation took effect from 1 January 2023.

Exempt categories (five groups):

• Investors and partners in firms (owners/partners, not employees)
• Domestic workers (covered under separate regulations)
• Temporary contract workers (contracts under 6 months)
• Juveniles under 18 years of age
• Retirees receiving a pension who have joined a new employer

If you fall outside these groups and work for a private-sector or federal employer in the UAE, subscription is mandatory. Non-compliance attracts a 400 AED fine; late premium payment adds a 200 AED fine. Both fines can accumulate and may block visa renewals or other MOHRE services.

For the official legal text, see the MOHRE portal or the ILOE portal.

How to File a UAE ILOE Claim: Step-by-Step Portal Walkthrough

Filing a UAE ILOE claim is entirely digital. You must submit the claim within 30 calendar days of your employment termination date — this is a hard deadline. Missing it usually means forfeiting the compensation.

1. Access the portal: Go to iloe.ae or download the ILOE mobile app (iOS/Android).
2. Log in: Use UAE Pass (preferred) or your Emirates ID with registered mobile number. UAE Pass gives you single sign-on across government services.
3. Select “File a Claim”: Choose the termination reason from the dropdown: Redundancy, Company Closure, or Constructive Dismissal. (See the constructive dismissal section below for evidence requirements.)
4. Upload documents: The portal will prompt you for each required file (see the Documents section for the full list). Drag-and-drop or use the camera scan feature.
5. Confirm bank details: Enter your UAE bank IBAN or select an approved exchange house (Al Ansari Exchange, Lulu Exchange, etc.) for cash pickup. The account must be in your name and active.
6. Submit and track: After submission, you receive a reference number. The dashboard shows real-time status: Submitted → Under Review → Approved/Rejected → Paid.
7. Receive payout: Approved compensation is transferred within 5–10 working days to your UAE bank account or made available at the chosen exchange house with your Emirates ID.

Pro tip: Keep a PDF copy of the termination letter and your last six months’ salary certificates ready before you start. The portal times out after 15 minutes of inactivity.

ILOE Compensation Calculator 2026: How Much Will You Receive?

The ILOE compensation calculator is now embedded directly on the official portal. It uses your last six months’ basic salary (not total package, not allowances) to estimate the monthly payout.

Formula

Monthly compensation = 60% × (Sum of basic salary for last 6 months ÷ 6)

This amount is capped by your subscription category:

Worked Example

Ahmed earns a basic salary of 12,000 AED/month (Category A). His last six months’ basic salaries are consistent.

• Average basic = 12,000 AED
• 60% = 7,200 AED/month
• Below Category A cap of 10,000 AED → eligible for full 7,200 AED/month
• Maximum 3 months = 21,600 AED total

If Ahmed’s basic were 18,000 AED (Category B), 60% = 10,800 AED/month, well under the 20,000 AED cap, so he’d receive 10,800 AED/month for three months (32,400 AED total).

The portal calculator auto-fetches your salary data from MOHRE records if your employer files correctly. Always verify the numbers before submitting.

ILOE Subscription Categories & Costs (Category A vs B)

Your category is determined by your basic salary as registered with MOHRE, not your total compensation package.

Subscription Channels

Four direct channels: ILOE portal, ILOE mobile app, Dubai Insurance branches, MOHRE service centres.

Three indirect channels: Partner banks (e.g., Emirates NBD, ADCB), approved exchange houses (Al Ansari, Lulu Exchange), telecom operators (Etisalat, du), and self-service kiosks in malls and typing centres.

Payments auto-renew monthly. You can pay monthly, quarterly, or annually. If your basic salary crosses the 16,000 AED threshold, notify MOHRE or update via the portal — your category (and premium) will adjust from the next billing cycle.

Documents Required to File an ILOE Claim

Have these ready as clear PDFs or high-resolution photos (max 5 MB each):

• Valid Emirates ID (front and back) — must not be expired.
• Labour contract (signed) and termination letter from employer stating end date and reason.
• Last 6 months’ salary certificates or bank statements showing basic salary credits. If your employer uses the WPS (Wage Protection System), the portal may auto-populate this.
• Trade licence copy of the employer (optional but speeds up verification).
• Bank account details (IBAN) for a UAE account in your name, or details of an approved exchange house for cash collection.
• Passport copy with valid residence visa page.

Common rejection reasons: Blurry scans, expired Emirates ID, mismatch between termination date on letter and MOHRE records, or bank account not in the claimant’s name.

Can You Claim ILOE If You Resigned or Were Fired for Disciplinary Reasons?

Short answer: Generally no. The scheme covers involuntary loss of employment only.

Resignation

Voluntary resignation disqualifies you unless you prove constructive dismissal — i.e., the employer’s actions forced you to quit. The 2026 portal update added a dedicated constructive dismissal workflow with guided evidence upload.

Accepted constructive dismissal grounds:

• Unpaid wages for 60+ days (supported by MOHRE complaint reference number)
• Unsafe working conditions violating UAE Labour Law
• Forced role change without consent or contract amendment
• Harassment or discrimination (with MOHRE/police report)

Evidence you need: MOHRE complaint records, official correspondence (emails/letters), witness statements, medical reports if applicable. The portal now lets you attach these directly under the “Constructive Dismissal” claim type.

Disciplinary Termination

Termination under Article 44 of the UAE Labour Law (gross misconduct: fraud, assault, intoxication, breach of confidentiality, etc.) explicitly disqualifies you from ILOE compensation. The employer must provide the disciplinary decision and evidence; MOHRE cross-checks this during claim review.

What Happens If You Leave the UAE With Unpaid Debts or Fines?

This is one of the most searched questions, and the answer is nuanced.

ILOE Fines Specifically

• Non-subscription fine (400 AED) and late payment fine (200 AED) are linked to your Emirates ID and MOHRE file.
• Unpaid fines block visa cancellation, renewal, and new work permit issuance.
• You cannot clear immigration at the airport if fines show as “pending” on the MOHRE/ICP systems. The system flags you at the e-gate.
• Pay via the ILOE portal, MOHRE app, or any typing centre before you attempt to exit.

Other Debts (Credit Cards, Personal Loans, Car Loans)

• Civil debts (bank loans, credit cards) are not automatically flagged at immigration unless the bank has obtained a travel ban order from a UAE court.
• If a travel ban exists, you will be stopped at the airport. Check with your bank or the Dubai Police / Abu Dhabi Police apps for travel ban status before booking flights.
• Bouncing a cheque (even post-dated) is a criminal offence in the UAE and will trigger a travel ban.

Practical advice: Settle ILOE fines before you resign. For other debts, negotiate a settlement or payment plan with the creditor and get a written no-objection letter before you leave.

Fine Discount Deadline & Current Status (2026 Update)

MOHRE periodically runs fine-discount campaigns to encourage compliance. The last publicly announced campaign ended on 31 December 2025, offering up to 50% off accumulated ILOE fines for workers who regularised their subscription.

As of November 2026, no new extension has been officially announced. Check the ILOE portal announcements or MOHRE news for any new campaign. Do not assume a discount is active — pay the full fine to avoid travel blocks.

Quick Reference: ILOE at a Glance

Frequently Asked Questions

How do I claim ILOE insurance in the UAE step by step?

Log in to iloe.ae or the ILOE app via UAE Pass, select “File a Claim” within 30 days of termination, choose the reason (redundancy, company closure, constructive dismissal), upload the required documents (Emirates ID, termination letter, 6 months’ salary proof, bank IBAN), and submit. Track status on the dashboard; payout arrives in 5–10 working days to your UAE bank account or chosen exchange house.

What documents are required to file an ILOE claim?

Valid Emirates ID (front/back), signed labour contract, termination letter, last 6 months’ salary certificates or bank statements showing basic salary, employer trade licence copy (optional), your UAE bank IBAN or exchange house details, and passport copy with valid residence visa.

How much compensation will I receive from ILOE?

60% of your average basic salary over the last 6 months, capped at 10,000 AED/month for Category A (basic ≤16,000 AED) or 20,000 AED/month for Category B (basic >16,000 AED), for a maximum of 3 months per claim. Use the built-in calculator on iloe.ae for a real-time estimate.

Can I claim ILOE if I resigned or was terminated for disciplinary reasons?

Resignation disqualifies you unless you prove constructive dismissal (e.g., unpaid wages 60+ days, unsafe conditions, forced role change) with MOHRE complaint records and evidence. Disciplinary termination under Article 44 of the UAE Labour Law (gross misconduct) disqualifies you entirely.

What happens if I leave the UAE with unpaid debts or fines?

Unpaid ILOE fines (400 AED non-subscription, 200 AED late payment) block visa cancellation, renewal, and airport exit. Other debts (loans, credit cards) only block travel if a court travel ban exists. Bounced cheques trigger automatic bans. Clear ILOE fines before resigning; for other debts, get a bank no-objection letter.

Can I leave the UAE if I have an outstanding ILOE fine or subscription debt?

No. The system flags you at immigration e-gates. You must pay the fine via the ILOE portal, MOHRE app, or a typing centre before you can clear exit formalities.

What is the last date for the UAE fine discount on ILOE penalties?

The last announced MOHRE fine-discount campaign ended on 31 December 2025. As of November 2026, no new extension has been officially confirmed. Check iloe.ae or MOHRE announcements for updates.

How do I subscribe to ILOE and what are the costs for Category A and B?

Subscribe via iloe.ae, the ILOE app, Dubai Insurance branches, MOHRE centres, partner banks, exchange houses (Al Ansari, Lulu), telecom operators (Etisalat, du), or kiosks. Category A (basic ≤16,000 AED): 5 AED/month + VAT (5.25 AED total). Category B (basic >16,000 AED): 10 AED/month + VAT (10.50 AED total). Auto-renews monthly; pay monthly, quarterly, or annually.

Key Takeaways

• UAE ILOE claim pays 60% of average basic salary for up to 3 months — file within 30 days of job loss on iloe.ae.
• Category A (≤16k AED basic) costs 5.25 AED/month; Category B (>16k) costs 10.50 AED/month (incl. VAT).
• Resignation voids eligibility unless you prove constructive dismissal with MOHRE-backed evidence.
• Unpaid ILOE fines (400/200 AED) block visa services and airport exit — settle before you travel.
• MOHRE’s last fine-discount campaign ended 31 Dec 2025; no new extension confirmed as of Nov 2026.

Rules and fees change. Always verify the latest information on the official ILOE portal or MOHRE before acting. This guide reflects the position as of November 2026.

Related: Uae vehicle registration rules 2026: 5-car limit, renewal steps & grac

Frequently asked questions

How do I claim ILOE insurance in the UAE step by step?

Log in to iloe.ae or the ILOE app via UAE Pass, select “File a Claim” within 30 days of termination, choose the reason (redundancy, company closure, constructive dismissal), upload the required documents (Emirates ID, termination letter, 6 months’ salary proof, bank IBAN), and submit. Track status on the dashboard; payout arrives in 5–10 working days to your UAE bank account or chosen exchange house.

What documents are required to file an ILOE claim?

Valid Emirates ID (front/back), signed labour contract, termination letter, last 6 months’ salary certificates or bank statements showing basic salary, employer trade licence copy (optional), your UAE bank IBAN or exchange house details, and passport copy with valid residence visa.

How much compensation will I receive from ILOE?

60% of your average basic salary over the last 6 months, capped at 10,000 AED/month for Category A (basic ≤16,000 AED) or 20,000 AED/month for Category B (basic >16,000 AED), for a maximum of 3 months per claim. Use the built-in calculator on iloe.ae for a real-time estimate.

Can I claim ILOE if I resigned or was terminated for disciplinary reasons?

Resignation disqualifies you unless you prove constructive dismissal (e.g., unpaid wages 60+ days, unsafe conditions, forced role change) with MOHRE complaint records and evidence. Disciplinary termination under Article 44 of the UAE Labour Law (gross misconduct) disqualifies you entirely.

What happens if I leave the UAE with unpaid debts or fines?

Unpaid ILOE fines (400 AED non-subscription, 200 AED late payment) block visa cancellation, renewal, and airport exit. Other debts (loans, credit cards) only block travel if a court travel ban exists. Bounced cheques trigger automatic bans. Clear ILOE fines before resigning; for other debts, get a bank no-objection letter.

Can I leave the UAE if I have an outstanding ILOE fine or subscription debt?

No. The system flags you at immigration e-gates. You must pay the fine via the ILOE portal, MOHRE app, or a typing centre before you can clear exit formalities.

What is the last date for the UAE fine discount on ILOE penalties?

The last announced MOHRE fine-discount campaign ended on 31 December 2025. As of November 2026, no new extension has been officially confirmed. Check iloe.ae or MOHRE announcements for updates.

Photos: Robert Bock / Wikimedia Commons, CC0; Tonenight / Wikimedia Commons, CC BY-SA 4.0