iloe.ae is the official online portal for the Involuntary Loss of Employment (ILOE) insurance scheme in the UAE — a mandatory unemployment insurance program for all private and federal government employees. If you searched “iloe.ae”, you’re likely looking to register, pay your premium, or file a claim. This guide covers everything in 2026: costs, registration steps, categories, and how to claim benefits.
What is iloe.ae?
iloe.ae is the dedicated portal operated by the UAE government for the ILOE unemployment insurance scheme. Launched under Federal Decree-Law No. 13 of 2022, ILOE provides financial support to eligible employees who lose their jobs involuntarily. The scheme is mandatory for nearly all employees in the UAE private and federal government sectors.
On iloe.ae, you can:
- Register and enrol in the ILOE scheme
- Pay your annual or 2-year premium
- Update your employment and payment details
- Submit a claim if you are made redundant
- Check your claim status
Who Must Register for ILOE? (And Who Is Exempt)
Registration on iloe.ae is mandatory for the following groups:
- All private sector employees subject to UAE Labour Law (Federal Decree-Law No. 33 of 2021)
- Federal government employees (excluding military and judiciary)
- Employees in free zones (including DMCC, JAFZA, RAKEZ, and others)
Exempt from ILOE registration:
- Investors and business owners (sponsors/partners in their own company)
- Domestic workers (housemaids, drivers, nannies)
- Employees under 18 years old
- Retirees who re-enter the workforce and draw a pension
- DIFC and ADGM employees — these zones have their own employment schemes; confirm exemption directly with your free zone authority
- Employees on temporary/limited contracts ending in less than 1 month
ILOE Category A vs Category B: Cost Table 2026
ILOE insurance cost is based on your monthly salary. There are two categories:
| Category | Monthly Salary | Monthly Premium | Annual Premium | Max Monthly Claim |
|---|---|---|---|---|
| Category A | Up to AED 16,000 | AED 5 | AED 60 | AED 10,000 |
| Category B | Above AED 16,000 | AED 10 | AED 120 | AED 20,000 |
2026 Update — Minimum 2-Year Policy: Since early 2024, employees must purchase a minimum 2-year policy when registering. You pay upfront (AED 120 for Category A, AED 240 for Category B for 2 years). Annual renewal remains optional after the initial 2-year term.
Note: You can also pay via convenient options — Post Office, bank, du/Etisalat airtime, or Al Ansari Exchange — without needing to use the iloe.ae portal directly.
How to Register on iloe.ae (Step-by-Step)
Registration takes 5–10 minutes. Here’s exactly what to do:
- Visit iloe.ae — the official UAE government portal for ILOE insurance.
- Click “Register” — you’ll need your Emirates ID number (15-digit UID) and UAE mobile number.
- Enter your employment details — your employer name and labour card/contract details (linked to MOHRE records).
- Select your category — Category A (≤AED 16,000) or Category B (>AED 16,000) based on basic salary.
- Choose policy duration — minimum 2 years (mandatory). You can select 2, 3, or more years.
- Select payment method — credit/debit card, direct debit, or third-party channels (Post Office, Al Ansari, du, Etisalat).
- Complete payment — you’ll receive an SMS and email confirmation with your policy number.
Important: Your Emirates ID must be linked to a valid labour card (work permit/MOHRE record). If your labour card has expired or is pending renewal, resolve that first via MOHRE before registering on iloe.ae.
Payment Options & Policy Duration
You can pay your ILOE premium through the following channels — not just iloe.ae:
- iloe.ae portal — credit/debit card or direct debit
- UAE Post Office (Empost) — cash payment accepted
- Al Ansari Exchange — cash or card
- du or Etisalat — add to your mobile airtime/bill
- Banks — select UAE banks allow direct payment
Monthly payment option: While the minimum policy is 2 years upfront, some payment channels allow you to break it into monthly instalments — check with your bank or the iloe.ae portal for current availability.
How to Claim ILOE Benefits
If you lose your job involuntarily (terminated by your employer — not resignation), you can file a claim on iloe.ae. Here’s the process:
- Wait for your claim eligibility window — you must have been subscribed for at least 12 consecutive months before filing a claim.
- File within 30 days of your last working day (or within 30 days of your work permit cancellation).
- Visit iloe.ae → click “Submit a Claim” → enter your Emirates ID and policy number.
- Upload required documents:
- Emirates ID copy
- Cancellation of work permit / MOHRE termination record
- Bank account details (for payment)
- Claim processed within 2 weeks. Benefits paid for up to 3 months (60% of average basic salary, capped at the category maximum).
Claim limits: You can claim a maximum of 3 months per job loss event, and a maximum of 12 months total over your entire career. Benefits are not paid during notice periods or if you resigned voluntarily.
Penalties for Non-Compliance
This is the section most competitors skip — and it matters:
- Fine: AED 400 for failing to register within the required timeframe
- Ineligibility: If you are not registered, you cannot file a claim — regardless of your termination circumstances
- Government service blocks: Unregistered employees may face blocks on MOHRE services and visa/permit renewals
- Employer liability: If your employer was supposed to facilitate registration and failed to do so, file a complaint with MOHRE
The AED 400 fine is waived only in exceptional circumstances (e.g., new hires in their first month). Don’t wait — register on iloe.ae immediately after your visa and labour card are activated.
Is Your UAE Business ILOE-Compliant?
For business owners and HR managers: if you employ staff in the UAE, your employees must be registered on iloe.ae. Failure to ensure compliance can expose your business to MOHRE penalties and disgruntled employees who can’t claim benefits when needed. Noble Core Ventures helps businesses set up compliant UAE structures from day one — including proper employment contracts, MOHRE registration, and ILOE onboarding.
→ Set up your UAE business the right way — explore our company formation packages
→ Full guide: ILOE insurance UAE — everything employers and employees need to know
→ Free zone business setup — which zone is right for your team?
Frequently Asked Questions — iloe.ae 2026
1. What is iloe.ae?
iloe.ae is the official UAE government portal for the Involuntary Loss of Employment (ILOE) insurance scheme. Employees use it to register, pay premiums, and submit claims for unemployment benefits if they are made redundant.
2. How do I register on iloe.ae?
Visit iloe.ae, click Register, enter your Emirates ID and mobile number, select your salary category (A or B), choose a minimum 2-year policy, and pay via card, bank, Post Office, Al Ansari, or du/Etisalat.
3. How much does ILOE insurance cost in 2026?
Category A (salary ≤ AED 16,000): AED 5/month (AED 60/year, AED 120 for 2-year minimum). Category B (salary > AED 16,000): AED 10/month (AED 120/year, AED 240 for 2-year minimum).
4. Is ILOE mandatory for free zone employees?
Yes, ILOE is mandatory for employees in most UAE free zones including DMCC, JAFZA, RAKEZ, SHAMS, and others. DIFC and ADGM have their own schemes — confirm your obligation with your free zone authority.
5. What is the fine for not registering on iloe.ae?
The penalty for failing to register for ILOE insurance is AED 400. Additionally, unregistered employees cannot claim any benefits if they lose their job, regardless of the circumstances.
6. How do I claim ILOE benefits if I lose my job?
Submit a claim on iloe.ae within 30 days of your last working day. You must have been subscribed for at least 12 consecutive months. Upload your Emirates ID, work permit cancellation record, and bank details. Benefits (60% of basic salary, up to 3 months) are paid within 2 weeks.
7. What is the difference between Category A and Category B ILOE?
Category A is for employees earning up to AED 16,000/month — premium is AED 5/month, maximum claim is AED 10,000/month. Category B is for employees earning above AED 16,000 — premium is AED 10/month, maximum claim is AED 20,000/month.
8. Can I pay ILOE monthly or must I pay upfront?
Since 2024, a minimum 2-year policy must be purchased — meaning you pay at least 2 years upfront (AED 120 for Cat A, AED 240 for Cat B). Some payment channels allow monthly instalment arrangements after the initial upfront payment — check with your bank or the iloe.ae portal.
Setting Up a UAE Business? Get It Right From Day One.
Noble Core Ventures handles company formation, MOHRE registration, employment contracts, and ILOE compliance — so you never face government fines or employee disputes.
