ILOE Fine and Claim Calculator
ILOE (Involuntary Loss of Employment) is the UAE's compulsory unemployment insurance. Use the first calculator to see your premium and any ILOE fine you may owe, and the second to see what you would be paid if your employer ends your job. Both use the rules published by MOHRE and the ILOE insurer. New to ILOE? Read our ILOE insurance guide first.
What do I owe? ILOE fine and premium check
Enter your basic salary and dates. You will see your category, your premium with VAT and any fine the rules say applies.
Basic only, as in your labour contract.
For a permit issued after 1 October 2023 you have 4 months to subscribe.
What would I get if I lose my job? ILOE claim calculator
ILOE pays 60% of your average basic salary for up to 3 months. Check the amount and whether you meet each condition.
Basic only, as in your labour contract.
ILOE rules at a glance
| Category A | Category B | |
|---|---|---|
| Basic salary | Up to AED 16,000 | Above AED 16,000 |
| Premium | AED 5 a month + VAT (5.25) | AED 10 a month + VAT (10.5) |
| A year, with VAT | AED 63 | AED 126 |
| Monthly claim cap | AED 10,000 | AED 20,000 |
- Fines: AED 400 for not subscribing on time. AED 200 (MOHRE) for a premium unpaid more than 3 months, which also cancels the policy; u.ae lists AED 400.
- Deadline: 4 months from a work permit issued after 1 October 2023.
- Unpaid fines can be deducted from salary or end-of-service gratuity and block a new work permit.
- Claim: 60% of the average basic salary of the last 6 months, up to 3 months per claim and 12 months in a lifetime. File within 30 days of the job ending.
ILOE claim worked examples
Same basic salary for the last 6 months, all conditions met, a full 3-month claim.
| Basic salary | Category | Per month | 3 months |
|---|---|---|---|
| AED 4,000 | A | AED 2,400 | AED 7,200 |
| AED 12,000 | A | AED 7,200 | AED 21,600 |
| AED 16,000 | A | AED 9,600 | AED 28,800 |
| AED 25,000 | B | AED 15,000 | AED 45,000 |
| AED 40,000 | B | AED 20,000 (capped) | AED 60,000 |
For more on when payments stop and how claims are reviewed, see ILOE payout rules.
ILOE fine and claim FAQ
What is the ILOE fine for not subscribing?
AED 400. If your work permit was issued after 1 October 2023 you have 4 months from the permit date to subscribe. Workers employed before then had to subscribe by 30 September 2023. Subscribing late still triggers the fine.
What is the ILOE fine for not paying the premium?
If an instalment stays unpaid for more than 3 months (90 days) after it falls due, the certificate is cancelled and a fine applies. MOHRE announced this fine as AED 200 in 2023. The u.ae government portal currently lists AED 400, so we show AED 200 to 400 until the figures match.
How do I check my ILOE fine?
Our calculator estimates the fine from the published rules but cannot see your record. To see your actual fine, log in with your Emirates ID on the MOHRE app or website, or check your policy on the ILOE website or app.
What happens if I do not pay an ILOE fine?
MOHRE can deduct the unpaid fine from your salary or your end-of-service gratuity, and it can refuse you a new work permit until the fine is paid. You can ask to pay in instalments, and appeal with supporting documents. MOHRE decides appeals within 15 working days.
How much does ILOE insurance cost?
Category A (basic salary up to AED 16,000) costs AED 5 a month plus VAT, which is AED 63 a year. Category B (basic above AED 16,000) costs AED 10 a month plus VAT, which is AED 126 a year. You can pay monthly, quarterly, every six months or yearly.
How much will ILOE pay me if I lose my job?
60% of your average basic salary over the 6 months before the job loss, for up to 3 months per claim. The monthly payment is capped at AED 10,000 for Category A and AED 20,000 for Category B. Across your whole working life in the UAE you can receive at most 12 months of payments.
Who is eligible to claim ILOE?
You must have been subscribed for at least 12 months in a row (with no gap over 3 months), have paid all premiums, have lost the job for a reason other than resignation or disciplinary dismissal, have no absconding complaint, be legally in the UAE, and claim within 30 days of the job ending.
Who does not have to subscribe to ILOE?
Investors who own the company they work for, domestic workers, temporary contract workers, people under 18, and retirees who receive a pension and have joined a new employer. UAE nationals who meet the retirement conditions are also exempt. Everyone else working in the private sector or the federal government must subscribe.
Do I get ILOE if I resign?
No. The scheme pays only when your employer ends the job. Resignation and dismissal for disciplinary reasons are both excluded.
When do ILOE payments stop?
After 3 months for that claim, when you start a new job, or when you reach the 12-month lifetime total. If you use the full 3 months, you must be subscribed for another 12 months in a row before you can claim again.
Last checked: October 2026
Sources we checked every figure against:
- Federal Decree-Law No. 13 of 2022 on the Unemployment Insurance Scheme (iloe.ae)
- ILOE policy terms and conditions (iloe.ae)
- ILOE frequently asked questions (iloe.ae)
- u.ae: Insurance against job loss (updated 8 December 2025)
- MOHRE, 15 November 2023: 4-month window, AED 400 and AED 200 fines, deductions
- MOHRE, 13 December 2023: fines for workers who fail to comply
These are estimates from the published rules, not legal or financial advice. Your live fine and claim decision come from MOHRE and the ILOE insurer. Check with MOHRE (600 590000) or ILOE (600 599555).
Between jobs? ILOE pays for up to 3 months
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