How to claim ILOE Unemployment Insurance in the UAE after job loss
The ILOE scheme pays 60% of your salary for 3 months - how to claim your compensation
Dubai: If you’ve recently lost your job in the UAE, the Unemployment Insurance Scheme may provide financial support, provided you’ve been subscribed for at least 12 consecutive months.
Eligible workers can apply for compensation through the official Involuntary Loss of Employment (ILOE) Scheme website, iloe.ae. Those who enrolled via authorised exchange centres and paid their premiums in cash can collect their payout from Al Ansari Exchange branches.
To receive the cash compensation, you must meet all the scheme’s eligibility criteria and submit your claim within 30 days of your employment termination.
Important: The Ministry of Human Resources and Emiratisation (MOHRE) advises that your employer must cancel your work permit before you file the claim.
How to claim your ILOE cash payout through Al Ansari Exchange
Al Ansari Exchange has introduced a new cash payout service for individuals eligible under the UAE’s Involuntary Loss of Employment (ILOE) insurance scheme. Launched in collaboration with the ILOE Insurance Pool PSC, the service became available on July 20.
Insured individuals can now visit any of Al Ansari Exchange’s 270+ branches across the UAE to collect their approved ILOE compensation in cash. This expansion provides an alternative to online transfers, offering claimants a convenient, in-person method to receive their benefits.
While Al Ansari Exchange previously handled premium collections for the scheme, it now also manages the disbursement of approved claims.
How to submit your ILOE claim online in the UAE
If you’ve been made redundant and are eligible for the UAE’s Involuntary Loss of Employment (ILOE) Scheme, you can submit your claim online through the official ILOE website. Here's a step-by-step guide to help you complete the process.
Step 1: Log in to your ILOE account
Visit www.iloe.ae and click on the ‘Submit your claim’ button on the homepage.
On the login page, click ‘Submit your claim’ again.
Choose ‘Login with One-Time Password (OTP)’.
Enter your Emirates ID and registered mobile number, then click ‘Request OTP’.
Enter the OTP sent to you via SMS to access your account.
Step 2: Fill out the claim form
After logging in, you’ll be taken to your personal dashboard, where you can view your insurance policy details and payment history.
Click on ‘Claim Submission’ from the left-hand menu.
Confirm your employee name, policy duration, and mobile number (must match the number used during registration).
Click ‘Proceed to your claim process’.
Step 3: Confirm contract termination details
Review the reason and date for contract termination (dismissal).
If the information is correct, select ‘Yes’ and click the green ‘Submit claim’ button.
If the details are incorrect, select ‘No’, explain the discrepancy in the remarks section, and upload any supporting documents. Then click ‘Submit claim’.
Note: If your employer is not registered with MOHRE, the termination reason and date will appear as ‘N/A’. In this case, simply proceed and click ‘Submit claim’.
Step 4: Choose your payout method
You can receive your ILOE compensation either by bank transfer or cash pickup.
Option 1: Bank Transfer
Select ‘Bank’ as the payout method.
Choose your bank from the drop-down list.
Enter your IBAN, account number, and account holder’s name.
Ensure your IBAN is accurate, as Dubai Insurance will save this information for future payments.
Option 2: Cash Pickup via Exchange House
Select ‘Exchange House’ as the payout method.
Choose the name of the exchange house (e.g. Al Ansari Exchange).
Enter your Emirates ID and passport number.
You must present your original Emirates ID when collecting your payout in person.
Step 5: Submit your claim
After entering your preferred payment method, click ‘Submit claim’.
You will receive updates about your claim via your registered email and mobile number.
You can also log in to your ILOE account and check your claim status under ‘My Claims’.
How much compensation will you receive?
Compensation is set at 60 per cent of your subscription salary, capped by your subscription category:
Category A (basic salary of Dh16,000 or less): up to Dh10,000 per month
Category B (basic salary above Dh16,000): up to Dh20,000 per month
You may receive payments for up to three months, or until you find new employment or leave the country.
When will you receive the payout?
According to MOHRE, approved claims must be paid out within two weeks of submission.
Need help with your claim?
If you need to update your details or have questions about your application, you can contact:
ILOE Call Centre: 600 599 555
Email: claims@iloe.ae
This article was originally published on January 16, 2024 and has been updated since.
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