UAE Job Loss? Unlock Your ILOE Benefits: Simple Steps to Claim Support
May 9, 2025
Copy Link
Sources
27
Show Sources in Text
Losing a job unexpectedly can be stressful, especially in a dynamic place like the UAE. Thankfully, there's a crucial support system in place: the Involuntary Loss of Employment (ILOE) scheme, established under Federal Decree-Law No. 13 of 2022 
[8]
[16]. Think of it as a financial safety net designed to help you while you search for your next opportunity 
[27]
[7]
[9]. This guide provides a clear, step-by-step walkthrough on exactly how to claim these benefits if you find yourself facing involuntary job loss 
[1][27]
[6][8]
[12]. Remember, subscribing to this scheme is mandatory for most employees in the private and federal government sectors, so understanding how it works is essential [1]
[3]
[4][6][7][8][9][12]
[15]
[18]
[25]
[26].
What is the ILOE Scheme? A Quick Overview
So, what exactly is this ILOE scheme? It's a government-backed insurance program providing temporary income support to eligible workers who lose their jobs for reasons outside their control [1][27][6][8][12]. The main goal is to help maintain a decent standard of living during the often challenging period of unemployment and job searching [27][7][9]. Beyond individual support, the scheme also aims to boost the competitiveness of the UAE's labor market and help attract and retain talented professionals from around the globe 
[5][7][9][16][26]. While the Ministry of Human Resources and Emiratisation (MOHRE) oversees the program [4][5]
[23], the day-to-day management, including subscriptions and claims, is handled by the ILOE Insurance Pool, represented by Dubai Insurance Company [3][4][12].
Are You Eligible to Claim ILOE Benefits?
First off, you must have been subscribed to the ILOE scheme and consistently paid your premiums for at least 12 consecutive months [1]
[2][3][4][5][7][8]
[10][12][16][18]. A short break is okay, but any interruption longer than three consecutive months will disqualify you [3]. Naturally, all your premium payments must be up-to-date when you apply [2][3][27][10][12].
Crucially, the reason you lost your job must be involuntary [1][2][3][27][5][6][8][9][12][15]. This typically means things like redundancy or company downsizing. You won't be eligible if you resigned voluntarily or were dismissed for disciplinary reasons under UAE Labour Law [1][3][27][5][6][7][8][10][12]. Your termination letter and the reason documented with MOHRE are key here [3].
Timing is also critical: you have only 30 days from the date your employment ended (or from the date a related labor complaint was settled) to submit your claim [1][2][3][27][9][10]
[11][16][18]. Miss this window, and you miss out [2]. You also need to be legally present in the UAE with a valid residency visa when you apply and while receiving benefits [1][27][10][11][2]. Leaving the country will stop your eligibility [3]. Finally, ensure there's no absconding report against you, the claim isn't fraudulent, your job loss wasn't due to non-peaceful strikes, and you haven't already started a new job [3][11]
[13][27][10].
How to Apply for ILOE Benefits: Step-by-Step
Step 1: Confirm Eligibility & Timing: Seriously, re-read the eligibility section above. Ensure your situation matches the criteria, especially the involuntary job loss and the 12-month contribution rule [1][2][3][4][5][7][8][10][12][16][18]. Make sure your work permit has been officially cancelled before you start the claim [3]
[19]. And don't forget that 30-day clock is ticking [1][2][3][9][10][11][16][18]!
Step 3: Submit Your Claim: You have a few options for submitting your application [1][9][11][16][18][19]. The most common are the official ILOE portal (www.iloe.ae or www.diniloe.ae/nsure/login/#/) [1][3][9][11][16][18][19], the ILOE mobile app [1][9][11][16][18], or by calling the ILOE call center at 600 599 555 [1][9][11][18][19]. The online process generally involves logging in with your Emirates ID or UID, finding the claims section, filling out the form, confirming details about your work permit cancellation, providing your bank IBAN or preferred exchange house for payment, and uploading those documents you gathered [1][3][16][19].
Step 4: Await Processing & Follow Up: Once submitted, the insurance provider takes over [1][3]. They'll review everything and might reach out if they need more information – a common request is a 'travel report' to confirm you're still in the UAE [3]. Keep an eye on your email and SMS for updates, and you can usually track your claim's status through the portal or app [2][19].
Essential Documents for Your ILOE Claim
•
What Happens After You Apply? Timelines & Payout
So, you've submitted your claim. What now? The insurance provider aims to process complete applications fairly quickly, often within about two weeks (14 days), assuming everything is in order and you meet all criteria [3][18]. However, the review process itself can sometimes take between 14 and 30 days, especially if verification takes longer [2][3]. You should receive a notification about approval or rejection once they've verified your documents, which might include checking your travel report [3].
If your claim is approved, the compensation will be paid out monthly [1][4][5][6][8][9][10][12][13]
[14][18]
[20]
[21]. The funds are transferred directly to the bank account (IBAN) you provided or made available for collection at your chosen exchange house [2][3][18][19]. Keep in mind, benefits are paid for a maximum of three consecutive months for each period of unemployment [1][4][5][6][8][9][10][12][13][14][18][20][21]. Stay alert for communications via your registered email or SMS, and respond quickly if they ask for anything more [1][19].
Avoid These Common Mistakes: Ensuring a Smooth Claim
Nobody wants their claim delayed or rejected. Let's look at some common slip-ups and how to steer clear of them. Forewarned is forearmed, right?
•
Incomplete/Incorrect Documents: Missing forms, blurry scans, or typos (especially in your IBAN!) can halt the process [2][3][19]. Avoidance: Use the checklist, double-check every detail before submitting, and ensure scans are clear [2][3]. Verify bank details like your life depends on it – because your payment does [19]!
•
Other Issues: Things like an existing absconding complaint [3][11], trying to commit fraud [3][27][10][11], or having your policy cancelled due to unpaid fines [1][23]
[24][26] will also block your claim. Avoidance: Resolve any outstanding issues, always be truthful, and pay any fines promptly [1][4].
What if Your ILOE Claim is Rejected?
If you receive a rejection notice, don't panic immediately. First, contact the insurance provider directly (claims@iloe.ae or call 600 599 555) to understand the exact reason [1][19]. Sometimes, it might be due to a simple error that can be corrected, like submitting a missing document [2]. If that's the case, you might be able to appeal or resubmit your application [2]. If you believe the rejection is unfair and can't resolve it with the insurer, you can escalate the issue by filing a formal complaint with MOHRE [1].
Key Reminders for Claimants
Just a few final, crucial points to keep in mind. Staying legally resident in the UAE throughout the claim and potential benefit period is non-negotiable [1][3][11]. The officially documented reason for your termination is incredibly important – make sure it accurately reflects an involuntary separation [1][3][7][10][12]. And even before you face job loss, always ensure your ILOE premium payments are kept up-to-date to maintain your eligibility [1][2][11][4].
Navigating job loss is tough, but the ILOE scheme provides valuable support during this transition [27][7][9]. Understanding the eligibility rules and application process is key to accessing these benefits when you need them most [1][2][3][10][12][16][18]. If you find yourself in a situation of involuntary unemployment, act promptly and use the official resources available. You can find more information and start your claim via the ILOE portal at www.iloe.ae or by calling the contact center at 600 599 555 [1][9][11][18][19].
Try It for Free