UAE ILOE unemployment insurance calculator
Enter your average basic salary and how your job ended to see the monthly benefit the Involuntary Loss of Employment scheme pays, whether you meet the conditions, and any fine you may owe.
How the benefit is calculated
Average basic = sum of basic salary for the last 6 months ÷ 6
Monthly benefit = the lower of (average basic × 60%) and your category's cap
Total = monthly benefit × up to 3 months (no more than 12 months over your working life)
| Category A | Category B | |
|---|---|---|
| Basic salary | AED 16,000 or less | Above AED 16,000 |
| Premium | AED 5 a month + VAT | AED 10 a month + VAT |
| Benefit | 60% of average basic, up to AED 10,000 a month | 60% of average basic, up to AED 20,000 a month |
| Length | Up to 3 months per claim, 12 months in total | |
The scheme was created by Federal Decree-Law No. 13 of 2022: Article 5 sets the 12-month minimum and the exclusions, Article 6 the 60% rate, the 3-month limit per claim and the 12-month total. Cabinet Resolution No. 97 of 2022 sets the two categories (Art. 7), the claim conditions (the second Art. 8: not a resignation, no disciplinary dismissal, no absconding report, legal residence, 30 days to claim) and the caps (Art. 10). Ministerial Resolution No. 604 of 2022 says the 60% is worked out on the average basic salary of the last 6 months (Art. 7), and sets the fines (Art. 9). The calculator uses those rules; the insurer's decision on your claim is final.
Worked examples
Example 1: Category A, made redundant
Basic salary AED 10,000 for the last 6 months, subscribed for 18 months, job ended by the employer. 10,000 × 60% = AED 6,000 a month, below the AED 10,000 cap. Three months: AED 18,000. The premium was AED 5.25 a month with VAT, AED 63 a year.
Example 2: salary changed in the last 6 months
Basic AED 8,000 for 4 months, then AED 9,500 for 2 months. Average = (4 × 8,000 + 2 × 9,500) ÷ 6 = 51,000 ÷ 6 = AED 8,500. Benefit 8,500 × 60% = AED 5,100 a month, AED 15,300 for 3 months.
Example 3: Category B, high earner
Basic AED 40,000, subscribed in Category B for 2 years. 40,000 × 60% = 24,000, above the AED 20,000 cap, so the benefit is AED 20,000 a month, AED 60,000 in total. In Category A the same worker would get only AED 10,000 a month.
Example 4: resigned after 11 months
Basic AED 7,000, subscribed for 11 months, then resigned. Two conditions fail: the subscription is under 12 consecutive months, and the job ended by resignation. No benefit is paid. Had the employer ended the contract after 12 months, the benefit would have been AED 4,200 a month.
Step by step to claim
- Check that your work permit has been cancelled or the contract has ended, and note the date. The 30 days start then.
- Open a claim on iloe.ae or the ILOE app. Have your Emirates ID, your salary details for the last 6 months and your bank details ready.
- If you filed a labour complaint, wait for the ruling. The 30 days then run from the ruling date.
- The insurer pays within 2 weeks of a complete claim (Cabinet Resolution 97/2022 Art. 13), for up to 3 months. Tell them if you start a new job, because payments stop.
Common mistakes
- Using the gross salary. The benefit is 60% of the basic salary. Housing and other allowances do not count.
- Assuming a raise moves you to Category B. The cap follows the category on your certificate. If your basic goes above AED 16,000, switch to Category B at renewal.
- Missing the 30 days. A late claim can be refused even if every other condition is met.
- Letting premiums lapse. More than 3 months unpaid cancels the certificate, adds an AED 200 fine and breaks the 12-month count.
- Expecting 3 months every time. The total is 12 months over your whole working life in the UAE, and after a full 3-month claim you need another 12 months of subscription before you can claim again.
Frequently asked questions
How much does ILOE pay?
60% of your average basic salary over the 6 months before you lost your job, up to AED 10,000 a month in Category A and AED 20,000 a month in Category B. Each claim pays for up to 3 months, and no more than 12 months in total over your working life in the UAE (Decree-Law 13/2022 Art. 6; Cabinet Resolution 97/2022 Art. 10; Ministerial Resolution 604/2022 Art. 7).
Which category am I in?
Category A if your basic salary is AED 16,000 or less, Category B if it is more (Cabinet Resolution 97/2022 Art. 7). The cap that applies is the one for the category on your certificate, so a worker who subscribed in Category A and later got a raise above 16,000 stays capped at AED 10,000 until they move to Category B.
How much is the premium?
AED 5 a month in Category A and AED 10 a month in Category B, plus VAT. You can pay monthly, quarterly, every six months or yearly (Ministerial Resolution 604/2022 Arts. 3 and 5). iloe.ae adds the full VAT amount to the first payment.
Can I claim if I resigned?
No. Cabinet Resolution 97/2022 (Art. 8, claim conditions) pays only when the job ends for a reason other than resignation, and the ILOE policy terms say the same. Dismissal for disciplinary reasons is also excluded (Decree-Law 13/2022 Art. 5).
How long must I have been subscribed?
At least 12 consecutive months before the job ended (Decree-Law 13/2022 Art. 5). The ILOE terms treat a gap of more than 3 months without payment as a break, and the certificate is cancelled after more than 3 months unpaid.
When do I have to claim?
Within 30 days of the end of your job, or within 30 days of a court ruling if you filed a labour complaint (Cabinet Resolution 97/2022 Arts. 8 and 12). Claims are filed on iloe.ae or the ILOE app, and the insurer pays within 2 weeks of a complete claim.
What is the fine for not subscribing?
AED 400 for not subscribing, and AED 200 if premiums stay unpaid for more than 3 months after they are due (Ministerial Resolution 604/2022 Art. 9). Unpaid fines can be deducted from your salary through the Wage Protection System or from your end-of-service gratuity, and you cannot get a new work permit until they are paid (Art. 10). The u.ae summary page says AED 400 for unpaid premiums too; the resolutions say AED 200.
Who does not need to subscribe?
Investors who own the business they work for, domestic workers, workers on temporary contracts, people under 18, and retirees who receive a pension and take a new job (Decree-Law 13/2022 Art. 3). The scheme covers the federal government and the private sector; if you work in a free zone or a semi-government body, check with your employer or MOHRE.
What if I find a new job during the 3 months?
Payments stop when you join a new employer (Decree-Law 13/2022 Art. 5). You also need legal residence in the UAE to claim (Cabinet Resolution 97/2022 Art. 8).
Results are estimates based on the rules above. The insurer checks your subscription record, salary data and the reason your job ended before it pays. Rules for free zone and semi-government staff may differ. This is not legal advice.
Last verified on 2026-11-09 against Federal Decree-Law No. 13 of 2022 on Unemployment Insurance (Arts. 3, 5 and 6), Cabinet Resolution No. 97 of 2022 (Arts. 2, 7, 8, 10 and 12), Ministerial Resolution No. 604 of 2022 (Arts. 3, 7, 9 and 10) and the iloe.ae policy terms.