Introduced in January 2023, this mandatory UAE’s Job Loss Insurance program provides cash benefits to eligible employees in the federal and private sectors who lose their jobs involuntarily. If you’re navigating job loss or planning to leave your role, understanding how to claim this insurance can ease your financial worries. This guide, updated for March 2025, walks you through the process with clear, up-to-date steps to ensure you get the support you need.

What Is UAE Job Loss Insurance?

The UAE’s ILOE scheme is designed to provide financial assistance to employees who lose their jobs due to termination by their employer—not resignation or disciplinary action. It offers up to 60% of your average basic salary (calculated over the last six months) for a maximum of three months, capped at AED 10,000 or AED 20,000 per month, depending on your income category. As of March 24, 2025, this program remains a critical resource for both Emiratis and expatriates working in the UAE.

Who Can Claim UAE Job Loss Insurance?

Before diving into the claim process, let’s clarify eligibility. You can claim ILOE benefits if:

• You’ve been subscribed to the scheme for at least 12 consecutive months.
• You were terminated by your employer (not resigned or fired for disciplinary reasons).
• You’ve paid your premiums on time without gaps longer than three months.
• You’re legally residing in the UAE with a valid visa during the claim period.
• You file your claim within 30 days of job loss.

Important Note: If you resigned voluntarily or were dismissed for misconduct, you’re not eligible. Also, if you leave the UAE or start a new job before your claim is processed, payments stop.

How to Claim UAE Job Loss Insurance: Step-by-Step

Ready to file your claim? Follow these simple steps to get started as of March 2025:

Step 1: Gather Your Documents

To avoid delays, collect these essentials:

Emirates ID: Your national ID card.
Termination Letter: Proof from your employer stating you were terminated (not resigned).
Travel Report: A document showing your entry/exit history in the UAE, available via the Dubai NOW app or GDRFA/Amer centers. Generate this before your visa is canceled.
Bank Details: Where you want the funds deposited.

Step 2: Visit the ILOE Portal

Head to the official ILOE website (www.iloe.ae) or download the ILOE mobile app. These are the fastest ways to submit your claim. Alternatively, you can call the ILOE contact center at 600 599 555 for assistance.

Step 3: Submit Your Claim

Click “Submit a Claim” on the website or app.
Enter your Emirates ID and a valid UAE phone number.
Upload your documents (termination letter, travel report, etc.)
Follow the prompts to complete the submission. You’ll receive an OTP (one-time password) via SMS to verify your identity.

Step 4: Wait for Verification

Once submitted, the insurance provider (led by Dubai Insurance) will verify your claim. This process typically takes about two weeks. They’ll check your employment history, termination reason, and residency status. Be patient—accuracy matters here.

Step 5: Receive Your Payment

If approved, you’ll get 60% of your average basic salary (up to AED 10,000 or AED 20,000 monthly, based on your salary tier) for up to three months. Payments are deposited directly into your bank account within two weeks of approval. If you find a new job or leave the UAE, the payments stop.

Key Points to Consider Before Submitting the Insurance Claim

-You have only 30 days from termination to file. Don’t miss this window!

-Double-Check Termination Details: Ensure your employer’s letter clearly states “termination” (not “resignation”) to avoid rejection.

-Stay in the UAE: Canceling your residency before approval voids your claim.

-Contact Support: If issues arise, call 600 599 555 or visit a Tasheel center for help.

What If My Job Loss Insurance Claim Got Rejected?

Rejections can happen due to errors like missing documents or incorrect termination records. If this occurs:

-Review the rejection notice for the reason.

-Correct the issue (e.g., get an updated termination letter from your employer).

-Resubmit via the ILOE portal or seek help from the Ministry of Human Resources and Emiratization (MOHRE).

Claiming UAE job loss insurance is straightforward if you follow the steps and meet the criteria. Lost your job? Start your claim today at www.iloe.ae. Planning to resign? Think twice – this scheme only covers involuntary exits.

For more breaking news, latest news in the UAE, and useful updates, stay tuned with The Dubai Street and follow on @thedubaistreet