How to Claim ILOE Insurance: Step-by-Step Process, Eligibility & Payouts

About ILOE Insurance in UAE

ILOE (Involuntary Loss of Employment) Insurance is a government-backed unemployment insurance scheme. It was introduced under Federal Decree-Law No. 13 of 2022 and implemented from January 1, 2023.

The scheme, managed by MOHRE, operates through the national insurance pool (Dubai Insurance). It provides monthly cash compensation of up to 60% of your basic salary if you lose your job involuntarily.

ILOE Premiums & Compensation Structure

Your compensation depends on your basic salary, not total CTC.

Important Limits

• Compensation is paid for up to 3 consecutive months per claim
• The lifetime benefit is capped at 12 months
• Payout equals 60% of your average basic salary (last 6 months)

Understanding these limits helps set realistic expectations before starting the ILOE claim process UAE.

Who is Eligible to Claim ILOE Insurance in the UAE?

Before you begin the ILOE insurance claim steps, it’s better to ensure you meet all eligibility conditions. Missing even one requirement can result in rejection.

Eligibility Checklist

You can claim ILOE insurance UAE if —

• You’ve been subscribed for at least 12 consecutive months
• Your job loss was not due to resignation or misconduct
• Your work permit has been cancelled by the employer
• You submit the claim within 30 days of termination
• You hold a valid UAE residence visa
• There is no labour dispute or fraud case

❌ Voluntary resignation or disciplinary termination automatically disqualifies you.

How to Claim ILOE Insurance in the UAE (Step-by-Step)

This is the official ILOE insurance claim steps process, as recognised by MOHRE —

Step 1: Employer Must Cancel Your Work Permit

Before filing your ILOE claim insurance in UAE, your employer must cancel your work permit in the MOHRE system. Without this, your claim may be delayed or rejected.

Step 2: Log In to the ILOE Portal

Visit www.iloe.ae and click on “Submit Your Claim”. Login using —

• Emirates ID
• Registered mobile number
• One-Time Password (OTP)

This is the starting point for anyone searching how to claim ILOE insurance UAE.

Step 3: Fill in Claim Details

From your dashboard —

• Review policy duration and salary details
• Select ‘Claim Submission’
• Confirm termination date and reason

If details are incorrect, you may need to add remarks and upload supporting documents to verify the provided information. 

Step 4: Choose Your Payout Method

You can claim ILOE insurance UAE via —

Option 1: Bank Transfer

• Enter IBAN and bank details
• Funds credited monthly

Option 2: Cash Collection

• Choose an exchange house (e.g. Al Ansari Exchange)
• Collect cash with original Emirates ID

Step 5: Submit & Track Claim

• Submit your claim
• Track status under ‘My Claims’
• Updates sent via SMS & email

When Will You Receive the ILOE Payout?

Here are the typical timelines –-

• Claim review: Within 14 working days
• First payment: 2–3 business days after approval
• Monthly payouts thereafter (up to 3 months)

How Much ILOE Compensation Will You Receive? 

After learning about how to claim ILOE insurance, here are the estimate amounts you may get after filling —

Payments stop if —

• You find a new job
• You leave the UAE
• The 3 month payout period ends

Common Mistakes to Avoid When You Claim ILOE Insurance in the UAE

Avoid these frequent errors when following ILOE claim insurance steps  —

• Missing the 30-day claim deadline: Submit ILOE claims within 30 days from your termination date. If you apply late, the system may automatically reject your claim, even if you meet all other eligibility conditions.
• Incorrect termination reason selected: Your termination must clearly be marked as redundancy or involuntary job loss. If it shows resignation, absconding, or disciplinary action, your claim will be declined. Always verify the termination reason before submission.
• Uploading incomplete or incorrect documents: Missing documents, unclear scans, or mismatched details (such as name or Emirates ID) can slow down verification or result in rejection. Make sure all the required documents are complete, legible, and up to date.
• Resignation marked instead of redundancy: This is one of the most common errors. Even if you were asked to leave, if your employer records it as a resignation, the system treats you as ineligible. Confirm this detail with HR before filing your claim.
• Leaving the UAE during the claim period: You must remain legally present in the UAE while your claim is being processed and during the payout period. Exiting the country can lead to suspension or cancellation of your ILOE compensation.

Final Takeaway: ILOE Insurance Claim Process Doesn’t Have to Be Complicated

ILOE insurance is among the UAE’s most practical employee protection systems — as long as you understand the rules and timelines. Filing your claim correctly, on time, and with the right documents makes all the difference. If you’ve lost your job involuntarily, act quickly. The 30-day clock starts from your termination date.

FAQs for How to Claim ILOE Insurance