Step-by-step: how to apply on iloe.ae or the mobile app
Follow these easy steps to submit your unemployment claim online:
- 1
Step 1: Check your work permit is cancelled
Make sure your company has finished cancelling your work permit on the MOHRE website or app.
- 2
Step 2: Open the ILOE website
Go to iloe.ae or download the 'ILOE' app on your phone. Click 'Claim Submission'.
- 3
Step 3: Sign in with UAE Pass
Sign in using your UAE Pass or enter your Emirates ID number and type the SMS code.
- 4
Step 4: Fill out the short form
Confirm your phone number, email, and last day of work. Select 'Involuntary Loss of Employment'.
- 5
Step 5: Upload your papers
Attach your MOHRE cancellation paper, termination letter, bank statement, and Emirates ID copy.
- 6
Step 6: Pick how you want to be paid
Choose direct bank transfer to your UAE IBAN, or cash pickup at Al Ansari Exchange. Click Submit.
- 7
Step 7: Get your tracking number
You will get a claim reference number. The insurance team checks your claim within 14 days and sends the money to your bank account.
What is ILOE unemployment insurance in the UAE?
The UAE government created the ILOE insurance plan to protect workers who lose their jobs. It gives you monthly cash support so you can pay your bills and rent while searching for a new job.
All government and private company workers in the UAE must have this insurance. Both UAE citizens and expats are covered.
Who does NOT need this insurance?
1. Company owners who own and run their own business.
2. Domestic workers like housemaids and private drivers.
3. Temporary workers and workers on a probation period.
4. Workers under 18 years old and retired workers with a pension.
The 4 rules to get your cash payout
To get your monthly money, you must meet four simple rules:
1. Paid for 12 Months: You must have paid your ILOE insurance every month for at least 12 months in a row before losing your job.
2. Job Loss Was Not Your Fault: You must have lost your job because the company closed, downsized, or ended your contract. If you resigned or were fired for doing something wrong, you cannot get this money.
3. No Absentee Reports: You must not have any runaway or absconding (Huroob) report against you.
4. Apply Within 30 Days: You must submit your claim within 30 days after your work permit is cancelled. If you wait longer than 30 days, you lose your right to the money.
How much money do you get?
Your payout is calculated using 60% of your average basic salary over the last 6 months:
1. Category A (Basic salary of AED 16,000 or less):
- You pay AED 5 per month for insurance.
- You get 60% of your basic salary.
- The most you can get is AED 10,000 per month for up to 3 months (up to AED 30,000 total).
2. Category B (Basic salary over AED 16,000):
- You pay AED 10 per month for insurance.
- You get 60% of your basic salary.
- The most you can get is AED 20,000 per month for up to 3 months (up to AED 60,000 total).
Lifetime Limit: You can receive up to 12 total months of support during your entire working career in the UAE.
Papers you need before you apply
Get these documents ready on your phone or computer before opening the website:
1. A copy of your Emirates ID (front and back).
2. A copy of your passport with your UAE visa.
3. The termination letter from your employer showing you were let go.
4. Your MOHRE work permit cancellation paper.
5. Bank statements from the last 6 months showing your monthly salary.
6. Your bank IBAN letter showing your account name.
What stops your monthly payments?
Your monthly payments will stop immediately if:
1. You start a new job: As soon as you sign a new work contract in the UAE, your payments stop.
2. You leave the UAE permanently: If you leave the country for good, you will not receive any more payments.
3. Wrong reason on your cancellation: If your old boss wrote that you resigned, file a quick complaint on mohre.gov.ae to correct the reason.