Involuntary Loss Of Employment (ILOE)
The ILOE scheme offers financial protection to employees in the UAE who lose their jobs involuntarily, helping them stay secure while they search for new opportunities.
Introduction to Involuntary Loss Of Employment (ILOE)
The ILOE scheme, launched in January 2023, provides temporary financial support to UAE employees who lose their jobs due to reasons beyond their control. Mandatory for all private, federal, and free zone workers, the scheme offers up to 3 months’ compensation, helping individuals stay financially stable while seeking new employment.
At Brightlink Consultancy, we simplify the ILOE registration process—ensuring you’re fully compliant, protected, and prepared in case of unexpected job loss.
Benefits of Involuntary Loss Of Employment (ILOE)
ILOE Fines & Penalties in the UAE
Here are the official fines and penalties for non‑compliance with the UAE’s Involuntary Loss of Employment (ILOE) scheme:
ILOE Fines & Penalties in the UAE:
- AED 400 fine for late or missing subscription
If eligible employees fail to register within 4 months of joining or miss the initial subscription deadline - AED 200 fine for non-payment of premiums over 3 months
If you miss premium payments for more than 90 days, your policy is canceled and the fine applies - Visa and other service block
Unpaid fines may result in blocked visa renewals, Emirates ID processing, and government services until cleared - Auto‑debit of unpaid fines
If the fines remain unpaid for over 3 months, they may be deducted from your salary or end-of-service benefits via WPS
Summary Table:
| Violation | Fine (AED) | Additional Consequences |
|---|---|---|
| Late/non‑subscription | 400 | Visa/ID renewal blocked |
| Overdue premium (3+ months) | 200 | Policy canceled; renewal required |
| Unpaid fines over 3 months | – | Deducted via WPS / service restrictions apply |
To avoid these penalties, ensure timely registration and consistent premium payments.
Simplifying Your ILOE Registration and Compliance—All in One Place
Whether you’re an individual employee or an employer managing a team, Brightlink Consultancy offers complete support to help you register, comply, and benefit from the ILOE scheme with ease.
- ILOE Registration & Subscription Support
We help employees across all sectors register correctly based on their salary bracket. - Category Verification
Guidance on determining the correct ILOE category (A or B) based on monthly salary. - Document Assistance
Help with required documents such as Emirates ID, passport, and employment details. - Portal Navigation
Step-by-step support with the ILOE smart app or website to ensure accurate submission. - Renewal Reminders & Follow-ups
Never miss a renewal deadline with our alert system and timely assistance. - Claim Filing Assistance
In case of job loss, we assist in submitting your claim and tracking its status for fast processing. - Group Enrollments for Companies
Bulk registration and compliance management for employers sponsoring multiple staff.
We focus on fast registration and minimal paperwork, making your ILOE enrollment simple, accurate, and stress-free.
Confused About ILOE Registration?
Let Brightlink Consultancy handle the process and keep you protected in case of unexpected job loss.
Complete Guide to Involuntary Loss of Employment (ILOE) in the UAE (2025):
What is ILOE?
The Involuntary Loss of Employment (ILOE) is a government-backed unemployment insurance scheme introduced in the UAE in January 2023. It offers temporary financial support to employees who lose their jobs for reasons beyond their control—such as downsizing or company closure.
The goal is to enhance job market stability, protect employees, and give them financial breathing room while they search for new employment.
Why is ILOE Necessary?
- Provides income protection during periods of job loss
- Encourages workforce security and economic resilience
- Helps residents maintain basic expenses while transitioning to new roles
- Mandatory for all employees in the private sector, federal government, and free zones
Eligibility:
✔️ Who Can Subscribe?
- UAE Nationals and Residents working in:
- Federal Government
- Private Sector
- Free Zones
❌ Exempted Categories
- Investors/owners of the company they work at
- Domestic workers
- Temporary contract employees
- Juveniles under 18 years old
- Retirees receiving pensions who take on new jobs
Compensation Benefits:
- Monthly Compensation:
- 60% of your average basic salary over the last 6 months
- Maximum Duration per Claim:
- 3 consecutive months
- Maximum Overall Benefit:
- Not more than 12 total months of compensation during your full working life in the UAE
| Category | Salary Bracket | Max Monthly Benefit | Duration per Claim | Overall Cap |
|---|---|---|---|---|
| Category A | AED 16,000 or below | Up to AED 10,000 | Up to 3 months | Max 12 months over lifetime |
| Category B | Above AED 16,000 | Up to AED 20,000 | Up to 3 months | Max 12 months over lifetime |
Subscription Plans:
| Category | Basic Salary | Monthly Premium | VAT | Coverage |
|---|---|---|---|---|
| A | AED 16,000 or less | AED 5/month | + 5% VAT | Up to AED 10,000/month |
| B | Above AED 16,000 | AED 10/month | + 5% VAT | Up to AED 20,000/month |
- Policy Duration: Choose between 1 year or 2 years
- VAT is charged upfront in the first payment installment
How to Subscribe?
- Visit the ILOE Insurance Pool Portal or use the ILOE mobile app
- Enter your Emirates ID and mobile number
- Choose the appropriate category based on your basic salary
- Select 1-year or 2-year subscription
- Pay the premium online
Brightlink Consultancy can assist you with registration, renewals, and claim processing to ensure smooth compliance.
Final Note:
Subscribing to ILOE is mandatory and offers critical support in times of need. It’s an affordable, government-backed safety net designed to protect your livelihood and maintain financial security between jobs.
📞 Need Help?
Let Brightlink Consultancy handle your ILOE subscription and ensure you’re fully protected—quickly, correctly, and stress-free.
Need Help with Involuntary Loss of Employment (ILOE) in the UAE?
Stay protected and compliant with ease—Brightlink Consultancy takes care of your ILOE registration, subscription, and support so you’re always covered when it matters most. Let us handle the details while you focus on your career.
Our team at Brightlink Consultancy will manage everything—from eligibility checks to policy setup—so you’re fully protected without the hassle.
Reach out today and let us handle your ILOE registration quickly and effortlessly—so you’re covered without the stress.
Frequently Asked Questions: Involuntary Loss of Employment (ILOE) in the UAE
Confused About ILOE Registration?
Let Brightlink Consultancy handle the process and keep you protected in case of unexpected job loss.
