Do I need to subscribe to ILOE in the UAE?
Yes, unless you are in an exempt group (Decree-Law 13/2022, Art. 3). With a new work permit, subscribe within 4 months, or MoHRE fines you AED 400.
Checked 21 October 2026
ILOE, the Involuntary Loss of Employment scheme, pays part of your basic pay for a while if your employer ends your job.
It covers private-sector and federal government workers, Emiratis and residents alike.
Get your datesFor when this job ends: every deadline as a date.
What to do now
- Check whether you are in one of the exempt groups.
- Subscribe on the ILOE website or app within 4 months of your work permit.
- Choose a payment schedule you can keep, and keep the receipts.
What to ask HR
- What basic pay is on my work permit and contract?
- Which ILOE category does my basic pay put me in?
Who is exempt
- Investors who own and run their whole business.
- Domestic workers.
- Workers on temporary contracts.
- People under 18.
- Retirees with a pension who join a new employer.
What it costs
The premium depends on your basic pay, which the scheme calls your subscription salary (Cabinet Resolution 97/2022, Art. 7).
- Basic pay of AED 16,000 or less: up to AED 5 a month.
- Basic pay above AED 16,000: up to AED 10 a month.
- VAT is added to the premium (Ministerial Resolution 604/2022, Art. 3).
You can pay monthly, quarterly, every 6 months or once a year (Ministerial Resolution 604/2022, Art. 5).
How to subscribe
The ILOE website and app charge no service fee (iloe.ae). Exchange houses, kiosks, some bank apps and business service centres also take subscriptions, some with a service charge.
The fines
- AED 400 for not subscribing (Cabinet Resolution 97/2022, Art. 8).
- AED 200 for premiums unpaid for more than 3 months.
- Unpaid fines can be taken from your salary or your gratuity.
Why an early start helps
A claim needs at least 12 months in a row on the scheme, with every premium paid on time (Cabinet Resolution 97/2022, Art. 9).
It pays 60% of your basic pay for up to 3 months per claim. It does not pay after a resignation or a disciplinary dismissal.
The monthly payment is capped at AED 10,000 or AED 20,000, by category (Cabinet Resolution 97/2022, Art. 10). It comes on top of your gratuity and stops when you start a new job.
Before you sign
- Check your basic pay, because it sets your premium and any payout.
- Note the date your work permit is issued, so you subscribe within 4 months.
- Keep proof of each payment, because a claim needs 12 months in a row on the scheme.