Check your eligibility and estimate your Involuntary Loss of Employment (ILOE) insurance payout — separate from end-of-service gratuity. Per Federal Decree-Law No. 13 of 2022.
All figures in AED. This is insurance you may have separately from your gratuity.
| Service | Entitlement |
|---|---|
| Category A — basic salary ≤ AED 16,000 | Premium AED 5/month · payout capped at AED 10,000/month |
| Category B — basic salary > AED 16,000 | Premium AED 10/month · payout capped at AED 20,000/month |
| Monthly compensation | 60% of your average basic salary over the last 6 months (subject to the category cap above) |
| Maximum duration | Up to 3 months per claim, or until you find new work — whichever comes first |
| Lifetime aggregate cap | Total ILOE payouts across your entire UAE working life cannot exceed 12 monthly benefits, no matter how many separate claims |
| Minimum subscription | At least 12 consecutive months of paid premiums before you can claim |
| Claim window | Must be submitted within 30 days of the employment relationship ending |
| First payment | Typically disbursed within about 14 days of an approved claim |
Only involuntary job loss qualifies — resignation and termination for disciplinary reasons/gross misconduct are excluded. Investors/business owners, domestic workers, workers under 18, and retirees drawing a pension who take new work cannot subscribe. Rates last verified July 2026 — always confirm at iloe.ae, as scheme parameters can be revised administratively. Source: Official ILOE portal (iloe.ae) & U.AE government portal.
You must have subscribed and paid ILOE premiums for at least 12 consecutive months, lost your job involuntarily (not by resignation or disciplinary termination), and not be in an excluded category (business owner/investor, domestic worker, under 18, or a pensioned retiree in new employment). You must also file your claim within 30 days of your employment ending.
60% of your average basic salary over your last 6 months of work — capped at AED 10,000/month if you're a Category A subscriber (basic salary AED 16,000 or below) or AED 20,000/month if you're Category B (basic salary above AED 16,000).
Category A covers a basic salary of AED 16,000 or below (premium AED 5/month, payout capped at AED 10,000/month). Category B covers a basic salary above AED 16,000 (premium AED 10/month, payout capped at AED 20,000/month). You're placed in whichever category matches your basic salary.
Up to 3 consecutive months per claim, or until you start new employment — whichever happens first. Across your entire working life in the UAE, total ILOE payments (from any number of claims) cannot exceed 12 monthly benefits in aggregate.
No. ILOE only covers involuntary loss of employment — redundancy, company closure, non-renewal of contract by the employer and similar. Voluntary resignation and termination for disciplinary reasons or gross misconduct are not covered.
No — they're completely separate. Gratuity is an end-of-service benefit paid by your employer based on your years of service (see our UAE Gratuity Calculator). ILOE is a government-mandated unemployment insurance payout, funded by your own small monthly premium, that only applies if you lose your job involuntarily. You can be entitled to both at the same time.