UAE Unemployment Insurance (ILOE) Calculator
See how much the Involuntary Loss of Employment (ILOE) scheme pays if you lose your job, which category you are in, and whether you can claim. Based on Federal Decree-Law No. 13 of 2022, Ministerial Resolution No. 604 of 2022 and the official ILOE policy terms, checked October 2026.
Estimate only. The insurer decides each claim. ILOE is separate from your gratuity and other dues: see the final settlement calculator.
How the ILOE payout is calculated
- Average basic salary of the last 6 months before you lost the job.
- Monthly payout = 60% of that average, at most AED 10,000 (first category) or AED 20,000 (second category).
- Paid for up to 3 months per claim, and at most 12 months over your whole working life in the UAE. It stops if you start a new job.
| Basic salary (AED) | Category | Monthly payout | 3 months |
|---|---|---|---|
| 4,000 | First | 2,400 | 7,200 |
| 8,000 | First | 4,800 | 14,400 |
| 12,000 | First | 7,200 | 21,600 |
| 16,000 | First | 9,600 | 28,800 |
| 20,000 | Second | 12,000 | 36,000 |
| 30,000 | Second | 18,000 | 54,000 |
| 40,000 | Second | 20,000 (cap) | 60,000 |
Example: on a AED 40,000 basic, 60% is AED 24,000, so the second-category cap applies and you get AED 20,000.00 a month.
Who can claim
- • Subscribed for at least 12 consecutive months, with no break over 3 months, and premiums paid.
- • Lost the job for a reason other than resignation, and not dismissed for disciplinary reasons.
- • Claim made within 30 days of the end of employment (or of a court ruling on a labour complaint).
- • No absconding complaint, no fraud or fictitious employer, job not lost through a non-peaceful strike.
- • Legally resident in the UAE.
Claims are made through the official ILOE channels: its website and app, business service centres and partner exchange houses and banks.
Frequently asked questions
How much is the ILOE unemployment insurance payout?expand_more
60% of your average basic salary over the last 6 months, paid monthly for up to 3 months. It is capped at AED 10,000 a month in the first category and AED 20,000 in the second. On a AED 8,000 basic that is AED 4,800 a month, AED 14,400 in total.
Which category am I in?expand_more
First category if your basic salary is AED 16,000 or less, with a premium of at most AED 5 a month. Second category above that, at most AED 10 a month. VAT is added to the premium (Ministerial Resolution 604 of 2022, Article 3).
Do I get ILOE if I resign?expand_more
No. You must lose your job for a reason other than resignation, and not be dismissed for disciplinary reasons (Decree-Law 13 of 2022, Article 5; ILOE policy terms). The work permit cancellation approved by MOHRE, which records whether you resigned or were dismissed, is what the claim is judged on, so check it before you sign (Ministerial Resolution 604 of 2022, Article 7(2)).
How long must I be subscribed before I can claim?expand_more
At least 12 consecutive months, with no break in subscription of more than 3 months, and your premiums paid (Decree-Law 13 of 2022, Article 5; ILOE policy terms).
How long do I have to claim?expand_more
Within 30 days of the end of your employment (Ministerial Resolution 604 of 2022, Article 7(1)), or of the settlement of a labour complaint referred to the courts. You must be legally resident in the UAE and have no absconding complaint against you. The insurer must answer and pay within two weeks of a valid claim (Article 7(4)).
How many times can I claim?expand_more
Each claim pays at most 3 months, and the total over your whole working life in the UAE cannot exceed 12 months. Payments stop if you start a new job.
Who does not have to subscribe?expand_more
Investors who own and run their business, domestic workers, workers on temporary contracts, people under 18, and retirees receiving a pension who have taken a new job (Decree-Law 13 of 2022, Article 3).
What is the fine for not subscribing?expand_more
AED 400 for not subscribing (Ministerial Resolution 604 of 2022, Article 9(1)). If you stop paying premiums for more than 3 months, the certificate is cancelled and a fine applies: the resolution says AED 200, while u.ae now lists AED 400; a 2023 amending resolution we could not obtain may explain the difference. Unpaid fines can be deducted from your salary or your gratuity, and no new work permit is issued until they are paid (Articles 9(4) and 10).
Source
Federal Decree-Law No. 13 of 2022 on the Unemployment Insurance Scheme (Articles 3, 5 and 6); Ministerial Resolution No. 604 of 2022 (Articles 3, 7 and 9: categories, the 60% of the 6-month average basic salary, 3 months a claim, the 30-day deadline and fines); the ILOE Policy Terms and Conditions (sections V and VI); and the u.ae page on the scheme (updated 8 December 2025). Read in October 2026. Cabinet Resolution No. 97 of 2022 and Ministerial Resolution No. 340 of 2023 (penalties) could not be downloaded from the official portals; the monthly caps of AED 10,000 and 20,000 and the resignation rule come from the policy terms and u.ae.
Read the official text:Federal Decree-Law No. 13 of 2022 on the Unemployment Insurance Scheme (signed Arabic text, PDF) · Ministerial Resolution No. 604 of 2022 on the Unemployment Insurance Scheme (Arabic, PDF) · ILOE Policy Terms and Conditions (PDF) · u.ae: Unemployment Insurance Scheme