About the Involuntary Loss of Employment Scheme

  • In implementation of the Federal Decree Law No. 13 of 2022 concerning the Involuntary Loss of Employment (ILOE), this unique Scheme provides security for employees who lost their jobs due to reasons other than disciplinary action or resignation until they find a new job.
    The eligible employees will be compensated with a Monthly cash benefit up to 60% of their average basic salaries of the 6 months prior to loss of employment.
  • Cash benefit shall be provided for maximum 3 consecutive months for a claim only for the workers who pay the monthly premium for at least 12 consecutive months.
Subscribe/Renew Here ILOE Portal-User Manual Submit your claim


Who is Eligible to Subscribe?

Emiratis and Residents working in the federal government and private sectors.

Exempted Categories

Investors (owners of companies they work at) Domestic helpers Temporary-contract workers Juveniles under the age of 18 Retirees who are entitled to a pension and joined a new job

Compensation Benefits

  • The Monthly compensation is 60% of the average basic salary over the most recent 6 months prior to the Involuntary Loss of Employment
  • For Category A: Maximum Claim Benefits : 10,000 AED per month
  • For Category B: Maximum claim Amount : 20,000 AED per month
  • Maximum compensation for any one claim: 3 consecutive months
  • Maximum Period of Benefits: During the Insurance Period over the entire work life of the Insured in the United Arab Emirates the aggregate Claim Payment shall not exceed 12 monthly benefits (regardless of the number of Claims submitted).



Basic Salary 16,000 AED or below


Compensation Benefit

Up to 10,000 AED / month

Up to 3 months /claim


Basic Salary Above 16,000 AED

10 AED+VAT/ Month

Compensation Benefit

Up to 20,000 AED / month

Up to 3 months /claim

Policy period is available for 1 year or 2 years
Full VAT amount added to the 1st installment/payment

Subscription Channels

Direct Channels

Free of charge-without any additional cost

Other Channels

Subject to Additional Service charge upon Subscription

Exchange Centers

Business Centers

SMS and Telecommunication Bills


Bank App and ATM Machines

Payment Options



Semi Annual


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