Key takeaways
- The ILOE claim process starts on the day your job ends and has a hard 30-day deadline. You file on the ILOE portal (iloe.ae), the ILOE app or the call centre on 600599555, within 30 days of the end of the labour relationship, or of the settlement of a labour complaint referred to the courts.
- ILOE claim eligibility has ten conditions, and all of them must be met: 12 consecutive months of subscription, premiums paid on schedule, a job loss that was not a resignation, no disciplinary dismissal, no absconding complaint, legal residence in the UAE, no fraud, and three catastrophe and strike exclusions.
- ILOE compensation is 60% of your average basic salary over the last six months, for up to three months per claim, capped at AED 10,000 a month in Category A and AED 20,000 in Category B. Allowances do not count.
- Payment is due within two weeks of a complete, eligible claim, by bank transfer or through an exchange house you choose in the claim form.
- Compensation stops when you start a new job (Decree-Law 13/2022, Art. 5; u.ae), and press guidance based on the scheme says it also stops if you leave the UAE. The whole scheme pays a maximum of 12 months over your working life in the UAE.
- Most refusals are avoidable: a late filing, a policy cancelled after 90 days of unpaid premiums, a resignation letter, or an open absconding report. Check all four before you file.
- If a claim is refused, complain to the insurer first (the policy says it must answer within five working days), then escalate to the Central Bank’s ombudsman unit, Sanadak. Court action remains open.
The ILOE claim process is how an insured employee in the UAE asks the Involuntary Loss of Employment scheme to pay part of their lost salary: you submit a claim to the insurer within 30 days of your job ending, prove the job loss was not a resignation or a disciplinary dismissal, and, if you have 12 consecutive months of paid-up cover, receive 60% of your average basic salary for up to three months. The scheme was created by Federal Decree-Law No. 13 of 2022 and its working rules are in Cabinet Resolution No. 97 of 2022. Claims are handled by Dubai Insurance Company as administrator of an insurance pool, under an agreement with the Ministry of Human Resources and Emiratisation (MOHRE).
This guide covers the claim side only: who can claim, what you receive and how it is calculated, the steps and documents, how long payment takes, when payments stop, why claims are refused and how to challenge a refusal, and what changes if your case is in a labour dispute. If you have not subscribed yet, or want the premiums, categories and fines, read our guide to ILOE insurance: cost, fines and how to subscribe first.
Every rule below was checked on 23 September 2026 against the Decree-Law, the Cabinet Resolution, the ILOE policy terms and conditions, the iloe.ae claim guideline and FAQ, u.ae and the Dubai government portal. Where the sources disagree or are silent, we say so.
ILOE claim at a glance
The short version, with the source for each line. Each row is explained further down.
| Question | Answer | Source |
|---|---|---|
| ILOE claim eligibility | An insured worker with at least 12 consecutive months of subscription, premiums paid on schedule, who lost the job for a reason other than resignation or disciplinary dismissal | Decree-Law 13/2022, Art. 5; Cabinet Resolution 97/2022, Art. 9; ILOE policy |
| ILOE claim deadline | 30 days from the end of the labour relationship, or from the settlement of a labour complaint referred to the judiciary | ILOE policy, eligibility criterion 5; iloe.ae FAQ |
| ILOE compensation | 60% of the average basic salary of the last six months | ILOE policy; iloe.ae claim brochure |
| Monthly caps | AED 10,000 (Category A, basic AED 16,000 or less); AED 20,000 (Category B, above AED 16,000) | Cabinet Resolution 97/2022, Art. 10; iloe.ae |
| How long? | Up to 3 consecutive months per claim; 12 months in total over your working life in the UAE | Decree-Law 13/2022, Art. 6; ILOE policy |
| How to claim ILOE | ILOE portal (“Submit your claim”), ILOE app, call centre 600599555 | iloe.ae; ILOE claims submission guideline |
| Key document | A termination (dismissal) letter showing the date and reason for the job loss | ILOE policy, claims procedure |
| Payment time | No later than two weeks after receiving a claim with compliant documents | ILOE policy; Cabinet Resolution 97/2022 |
| Payment method | Bank transfer to your IBAN, or collection through an exchange house you select | ILOE claims submission guideline |
| When it stops | New job (law and u.ae); leaving the UAE (reported by Gulf News and Khaleej Times; legal residence is a condition in the policy) | Decree-Law 13/2022, Art. 5; u.ae; ILOE policy |
| If refused | Complaint to the insurer, then the Central Bank (now through Sanadak), and the UAE courts | ILOE policy, section IX; sanadak.gov.ae |
| Helplines | ILOE 600599555 (ILOEHELP@ILOE.AE); MOHRE 600590000; MOHRE labour claims and advisory 80084 | ILOE policy; MOHRE |
ILOE claim process: how MIRDXB PRO helps
We will start with the honest part. If your employer has given you a clear termination letter, your work permit has been cancelled and your ILOE policy is live, you can file the claim yourself on iloe.ae in well under an hour. It costs nothing, and you do not need a PRO.
People come to us when the file is less tidy. The employer recorded a resignation when it was a termination. The company has closed and nobody will sign a letter. An absconding report is sitting on the record. The policy lapsed without anyone noticing. The case is at MOHRE or in court and the 30-day rule looks confusing. Or the person has already left the UAE and needs someone on the ground. We are a PRO and visa services firm in Al Barsha 1, and our ILOE service covers certificate checks, fine clearance and claim support.
What we do
- Check eligibility before you file: certificate status, subscription history and gaps, premium statement, category, and MOHRE record for any absconding report or open complaint.
- Work out your ILOE compensation from your contract and payslips, including the six-month average and the category cap, so you know what to expect.
- Prepare the document set: termination letter, work permit and residence cancellation, contract, bank details, and complaint or court papers where relevant.
- File or guide the filing on the ILOE portal and track the claim until a decision.
- Handle the linked steps: MOHRE work permit cancellation, a labour complaint where the employer will not cooperate, absconding report removal, and your visa cancellation or status change.
- Prepare the complaint to the insurer, and then to Sanadak, if a claim is refused on facts that are wrong.
How it works
- Message us on WhatsApp with your last working date, your termination letter (or what you were told), and your Emirates ID number.
- We check and explain within the working day where we can, including whether you can simply file yourself.
- If you want us to handle it, we confirm our fee in writing before we start.
- We prepare and file, or sit with you while you file, and keep copies of every upload.
- We follow up until payment or a written decision, and tell you what to do when you start a new job.
What it costs
Filing an ILOE claim has no government fee. Any linked government costs, such as an ILOE fine, a MOHRE transaction or a visa cancellation, are passed on at cost with the receipt. Our own fee depends on the work (a quick eligibility check, a full claim file, a disputed termination) and is quoted in writing before we start. Our general price list is on our fees page.
Why residents use us
- We publish our sources. Every rule in this guide links to the law, the policy or an official page, and we show you receipts for anything we pay.
- We tell you when you do not need us. A clean claim is a do-it-yourself job and we will say so.
- We handle the whole exit file, MOHRE, GDRFA or ICP, so the ILOE claim, the cancellation and your next visa move in the right order.
- If you have already left the UAE, we can act for you on the MOHRE and visa side under a power of attorney where that is needed.
- A real office. Al Barsha 1, Dubai. visits by appointment; whatsApp us any time, 24 hours; office open Monday to Friday, 9:00 to 18:00 (Dubai time).
The law behind an ILOE claim
Three documents decide every ILOE claim. When a website, a former employer or a colleague tells you something different, these are what the insurer applies.
| Document | What it says about claims | Where to read it |
|---|---|---|
| Federal Decree-Law No. 13 of 2022 on Unemployment Insurance | Art. 5: 12 consecutive months of subscription; no compensation for disciplinary dismissal or fraud; payment stops when the worker is hired by another employer. Art. 6: monthly compensation of 60% of the contribution salary for three months; 12 months in total over a working life in the UAE | u.ae copy; iloe.ae PDF |
| Cabinet Resolution No. 97 of 2022 (mechanisms and controls) | Art. 9: the conditions for compensation. Art. 10: 60% for up to 3 months, caps of AED 10,000 and AED 20,000. Arts. 12 and 13: claim within 30 days, payment within two weeks. Art. 15: recovery and penalties for false data | uaelegislation.gov.ae (legislation 1599) |
| ILOE policy terms and conditions (Dubai Insurance Company for the insurance pool) | The ten numbered eligibility criteria, the claim documents, the two-week payment rule, the requalification rule, exclusions, recovery and the complaints route | iloe.ae policy PDF |
The policy is the most detailed of the three, and it is the document the claims team works from. It is issued in Arabic and other languages, and the Arabic version prevails if there is a difference. At our check on 23 September 2026 we found no amendment to the Decree-Law or the Cabinet Resolution changing the claim conditions, the 60% rate or the caps.
ILOE is not paid by the government or by your employer. It is underwritten by an insurance pool of UAE insurers, with Dubai Insurance Company as pool manager and administrator. The policy lists the other members as Abu Dhabi National Takaful, Abu Dhabi National Insurance, Al Ain Ahlia, Emirates Insurance, National General Insurance, Orient Insurance, Orient Takaful and Oman Insurance. MOHRE sets the rules and supplies the employment data (work permit, cancellation, complaints). The insurer makes the decision and pays. A refusal is therefore an insurance complaint first, not a MOHRE complaint.
ILOE claim eligibility: the ten conditions
ILOE claim eligibility is a checklist, not a balance of factors. The policy lists ten criteria and the claim must pass every one. The wording below follows the policy; the right-hand column is what each one means in practice.
| # | Condition (ILOE policy) | What it means for your ILOE claim |
|---|---|---|
| 1 | Subscription of not less than 12 consecutive months, with no interruption of more than three consecutive months | Count from the subscription date, not your job start date. A gap of more than three months resets the count |
| 2 | Premiums paid according to the agreed payment plan | A live certificate with arrears is a risk. Clear any outstanding amount before you file |
| 3 | You prove the unemployment is for a reason other than resignation | The burden is on you. The termination letter is the proof |
| 4 | You were not dismissed for disciplinary reasons | A dismissal without notice for misconduct under the labour law is excluded |
| 5 | Claim submitted within 30 days of the end of the labour relationship or of the settlement of a labour complaint referred to the judiciary | A frequent reason claims fail. File first, everything else after |
| 6 | No existing absconding (work abandonment) complaint against you | An open report blocks the claim, whatever the reason behind it |
| 7 | The claim is not based on fraud or deception, and the employer is not fictitious | Paper jobs and inflated salaries are refused and the money is recovered |
| 8 | The job loss is not caused by non-peaceful labour strikes or stoppages | Rare in practice, but listed |
| 9 | You are legally resident in the UAE | File while your residence is valid or within the grace period, and stay in the country while claiming |
| 10 | The loss is not due to declared war, civil unrest, nuclear or chemical events, or government expropriation of the employer | Standard catastrophe exclusions |
The Cabinet Resolution (Art. 9) and the iloe.ae FAQ list the same conditions in slightly different words. The Dubai government portal and u.ae put the residence condition more simply: the insured “must be present in the country”. Below, we take the conditions that decide most claims one at a time.
ILOE claim eligibility condition 1: twelve consecutive months
The 12 months run from the date you subscribed. The policy says you become entitled to cover “after twelve (12) months have passed from the date of the subscription”. Two things follow.
- Your length of service does not count. Someone who has worked in Dubai for ten years but subscribed eight months ago cannot claim yet.
- Job changes do not reset the count, because the policy is yours, not your employer’s. What resets it is an interruption of more than three consecutive months, or a cancellation after 90 days of unpaid premiums.
So check the subscription date on your certificate (“View Policy Details” on iloe.ae) and ask one question: has there been any point where payments stopped for more than three months? If there has, count from the date of the new policy.
Condition 2: premiums paid on schedule
Being subscribed is not enough. The policy asks for “compliance with the payment of the Insurance Premium according to the agreed payment plan”. A monthly plan where the last two instalments failed is a live certificate with arrears, which gives the insurer a ground to refuse or query the claim. Under the policy, a payment more than 90 days overdue cancels the certificate altogether.
Before you start the ILOE claim, open “View Statement” on the ILOE portal or app. If anything is due, pay it first and keep the receipt.
ILOE claim eligibility condition 3: not a resignation
The scheme covers involuntary loss of employment. The policy puts the burden on you: “The Insured to prove that the Unemployment is for a reason other than resignation.” In practice, the proof is a termination letter from the employer showing the date and reason, supported by the MOHRE work permit cancellation. Khaleej Times, explaining the claim process in 2024, reported that the employer’s letter and the MOHRE cancellation application should both state “termination”.
Redundancy, restructuring, non-renewal of a fixed-term contract by the employer, company closure and termination during probation by the employer are all reasons other than resignation. A resignation is outside the scheme, however good your reasons were.
Condition 4: not a disciplinary dismissal
The Decree-Law (Art. 5) and the policy both exclude a worker “dismissed for disciplinary reasons”. This means a dismissal under the labour law for misconduct, typically without notice under Article 44 of Federal Decree-Law No. 33 of 2021. An ordinary termination with notice is not disciplinary, even if the employer was unhappy with performance. If you dispute a disciplinary dismissal, the labour dispute rules below apply to your ILOE claim.
ILOE claim eligibility condition 6: no absconding complaint
The policy says the insured “should not have an existing complaint concerning his abscondment”. It does not ask whether the complaint is fair. A worker who stopped going to work because salary was not paid, and was then reported for absence, cannot claim while that report stands.
Check your MOHRE record before filing; our guide on how to check an absconding case shows how. If a report exists and it is wrong, it has to be cancelled first. MOHRE’s labour dispute rules (Ministerial Resolution 47/2022, Art. 7) provide for cancelling a report, and our absconding case removal service handles it. Once the report is invalidated, the policy gives you a maximum of three months to pay any premiums that went unpaid while it stood.
Condition 9: legal residence, and staying in the UAE
This condition is short and has large consequences. The policy says you “must be legally resident in the Country”; the Dubai and federal portals say you must be “present in the country”. The claim form asks for your passport and visa, the residence cancellation (with exemptions) and, where relevant, an entry and exit report. That report is how the insurer sees whether you were in the UAE.
ILOE compensation: how much you receive
ILOE compensation is worked out from one number, your average basic salary over the six months before the job loss, and then limited by your category’s cap.
| Element | Rule | Source |
|---|---|---|
| Rate | 60% of basic salary | Decree-Law 13/2022, Art. 6; Cabinet Resolution 97/2022, Art. 10 |
| Salary used | Average basic salary of the last six months before unemployment | ILOE policy; iloe.ae claim brochure |
| Category A cap | AED 10,000 a month (basic AED 16,000 or less) | Cabinet Resolution 97/2022, Art. 10; iloe.ae |
| Category B cap | AED 20,000 a month (basic above AED 16,000) | As above |
| Duration | Up to 3 consecutive months per claim, from the date of unemployment | ILOE policy; iloe.ae |
| Lifetime limit | 12 monthly benefits in total over your service in the UAE, however many claims | Decree-Law 13/2022, Art. 6; ILOE policy |
The ILOE compensation formula
Monthly ILOE compensation = the lower of (60% of the six-month average basic salary) and (your category’s monthly cap). The most you can receive on one claim is three times that figure.
Basic salary means the basic wage in your employment contract. Housing, transport and other allowances are left out. On a typical UAE package where basic is around half of the total, that means the ILOE compensation is roughly 30% of what you were taking home, for up to three months. It is a bridge, not a replacement salary.
Where the cap starts to bite
60% of basic equals AED 10,000 at a basic of about AED 16,667, and AED 20,000 at a basic of about AED 33,333. Because Category A is for basic salaries of AED 16,000 or less, a correctly categorised Category A subscriber is normally below the cap. Two groups can still hit it:
- People whose salary rose and who never asked to move to Category B. The policy lets you pay the higher premium on request; it does not happen automatically. A basic of AED 20,000 in Category A gives 60% of AED 12,000, capped at AED 10,000.
- Commission-paid workers whose contract states no basic salary and who chose Category A. The policy lets them choose the category, so the cap follows their choice.
ILOE compensation: six worked examples
All figures are our arithmetic from the published rules. They assume the same basic salary for all six months unless stated.
| Average basic (6 months) | Category | 60% of basic | Monthly ILOE compensation | Maximum for one claim (3 months) |
|---|---|---|---|---|
| AED 6,000 | A | AED 3,600 | AED 3,600 | AED 10,800 |
| AED 9,000 | A | AED 5,400 | AED 5,400 | AED 16,200 |
| AED 16,000 | A | AED 9,600 | AED 9,600 | AED 28,800 |
| AED 20,000 (left in Category A) | A | AED 12,000 | AED 10,000 (capped) | AED 30,000 |
| AED 20,000 | B | AED 12,000 | AED 12,000 | AED 36,000 |
| AED 40,000 | B | AED 24,000 | AED 20,000 (capped) | AED 60,000 |
When your basic salary changed during the six months
The benefit uses the average of the last six months, so a pay rise or a pay cut shortly before the job loss counts only in part. Take a basic of AED 10,000 for two months and AED 13,000 for four:
- (10,000 × 2 + 13,000 × 4) ÷ 6 = 72,000 ÷ 6 = AED 12,000 average basic
- 60% × 12,000 = AED 7,200 a month
- 7,200 × 3 = AED 21,600 for a full claim
The same logic works against you. If a struggling employer cuts basic salaries shortly before a round of redundancies, the lower months pull the average down. The iloe.ae site has a compensation calculator, and we recommend checking your own figure there too.
The insurer works from the basic wage in your contract and MOHRE record, backed by bank statements. A higher figure on an offer letter that never reached the MOHRE contract will not help. Cabinet Resolution 97/2022, Art. 15, provides for recovery of compensation with penalties where salary or job data was false, and a fine of AED 20,000 per case for employer and worker collusion.
The 12-month lifetime limit and the requalification rule
Two different limits apply, and they are often confused.
| Limit | What it caps | Source |
|---|---|---|
| 3 months per claim | The most any single claim can pay | Cabinet Resolution 97/2022, Art. 10; ILOE policy |
| 12 months in total | All claims added together over your whole working life in the UAE, not per employer or per certificate | Decree-Law 13/2022, Art. 6; ILOE policy |
| Requalification after a full claim | If you receive the full three months, the certificate is treated as cancelled and you need 12 new consecutive months of subscription before another claim | ILOE policy |
| Exception | If you received less than the full three months (for example, you started a new job in month two), the 12-month requalification does not apply | ILOE policy |
If you drew the full three months, subscribe again as soon as you start a new job: the new 12 months only start on the day you do.
How to claim ILOE: step by step
How to claim ILOE, in the order that protects you. The steps follow the insurer’s own “ILOE Claims Submission Guideline” (customer journey) published on iloe.ae, with the preparation that makes it go smoothly.
Before you start the ILOE claim process
- Write down the date the labour relationship ended. Your 30 days run from here. Put day 30 in your phone calendar with two reminders before it.
- Get the termination letter before your last day if you can. It must show the date and the reason. Ask for it in writing at the same time as your final settlement statement.
- Check the MOHRE work permit cancellation has been submitted and says termination, not resignation. The iloe.ae claim brochure recommends cancelling the work permit before claiming.
- Check your ILOE certificate and statement on iloe.ae or the app: live policy, subscription date more than 12 months ago, nothing outstanding.
- Check there is no absconding report on your MOHRE record.
- Work out your expected ILOE compensation from your last six payslips.
- Decide how you want to be paid (bank account or exchange house) and get an IBAN letter or recent bank statement for an account that will stay open.
How to claim ILOE on the portal
- Go to www.iloe.ae and choose “Submit your claim”. It opens the claims portal run by Dubai Insurance.
- Sign in with an OTP, entering your registered Emirates ID or Unified ID (UID) number. The OTP goes to the mobile number on your record.
- Confirm your contact details and select “Proceed to your Claim Process”. Use an email address you will keep: claim updates go there.
- Select the unemployment reason and your last working date, and confirm.
- Upload the documents listed in the next section. Clear scans or photos, one document per upload field.
- Choose how to receive the compensation: bank transfer (bank name, IBAN, account number and account holder name) or an exchange house provider.
- Select “Submit Claim”. Save the claim reference and take a screenshot of the confirmation.
Other ILOE claim channels
| Channel | Use it when | Source |
|---|---|---|
| ILOE portal (iloe.ae, “Submit your claim”) | Normal route; easiest for uploads | iloe.ae; claims guideline |
| ILOE smart app | You prefer your phone; same steps | ILOE policy; iloe.ae claim brochure |
| Call centre 600599555 | The portal will not accept your details, or you need help filing | ILOE policy; iloe.ae FAQ |
| Email ILOEHELP@ILOE.AE | Questions, and a written record of problems before the deadline | ILOE policy |
| Other channels designated by MOHRE | Where announced | iloe.ae FAQ |
The deadline is a condition of the claim, not a guideline, and we found no published power for the insurer to extend it. If the portal fails, the OTP does not arrive, or a document is missing close to the deadline, submit what you have, call 600599555, and send an email to ILOEHELP@ILOE.AE the same day explaining the problem. That record of a timely attempt is your best evidence if the date is questioned later.
ILOE claim documents
The policy names two core documents and allows the insurer to ask for more. The claims submission guideline on iloe.ae lists what the portal asks you to upload.
| Document | Required? | Notes |
|---|---|---|
| Termination (dismissal) letter | Yes | Must state the date and reason for the job loss. The policy calls it “the dismissal document” |
| Emirates ID, passport and visa | Yes | Copies of the current documents |
| Employment contract | Yes | The MOHRE contract showing the basic salary |
| Residence cancellation | Yes, with exemptions | The guideline marks it “exemptions apply” without listing them. If your residence is not yet cancelled, say why in the claim |
| Bank statement | Yes | Supports the salary and the payment account. An IBAN letter helps |
| Labour complaint | If there is one | MOHRE complaint or court papers. With a case in court, the policy asks for an undertaking to provide the final judgment |
| Entry/exit report | If asked | Shows your travel record; relevant to the residence condition |
| Supporting documents | If asked | The policy mentions work permit cancellation, an administrative cancellation complaint, cancellation of an absconding complaint, and a labour complaint referred to court |
Getting the termination letter when the employer will not cooperate
Everything turns on a document from the employer you are leaving. When relations are good, it is routine. When they are not, it can be the hardest part of the ILOE claim process.
- Ask in writing, by email, the day you are told about the termination, and ask for the date and reason to be stated.
- Keep what you have: the termination email, a WhatsApp message from a manager, the MOHRE cancellation form showing “termination”, your last payslip. The insurer can look at supporting evidence.
- If the employer records a resignation that you did not give, or refuses to issue anything, that is a labour dispute. File a MOHRE complaint; our guide on how to file a MOHRE complaint covers the steps.
- If the company has closed or the owner has disappeared, the work permit can be cancelled without employer consent under MOHRE’s rules. Our guide to visa cancellation without a sponsor explains that route.
How long an ILOE claim takes, and how you are paid
The policy commits the insurer to pay “no later than two weeks from the date of receiving the Claim per documents that comply with the established Eligibility Criteria”. Cabinet Resolution 97/2022 says the same. Two words in that sentence matter.
- “Receiving”: the two weeks count from when the insurer has your claim, not from your last working day.
- “Comply”: the clock is for a complete, eligible claim. If the insurer asks for another document, expect the two weeks to run from when it has everything.
Updates are sent to the email address on the claim. If two weeks pass on a complete claim with no payment and no decision, chase in writing and then use the complaints route set out below.
How ILOE compensation is paid
| Method | What you provide | Good for |
|---|---|---|
| Bank transfer | Bank name, IBAN, account number, account holder name | Most people. Use an account in your own name that will stay open |
| Exchange house | The exchange provider you prefer | People whose salary account is being closed, or who have no UAE bank account. Gulf News reported in July 2025 that compensation can be collected in cash at Al Ansari Exchange branches |
The Decree-Law describes the benefit as a “monthly compensation”. The policy does not say in so many words whether each month is released separately or together; press reports describe monthly payments that stop once you start a new job or leave. Plan on monthly amounts, and make sure the account you nominate stays open for at least three months. Salary accounts are sometimes frozen or closed when the salary transfers stop and the employer cancels the visa.
When ILOE payments stop
Once a claim is approved, ILOE compensation does not always run for the full three months. These are the events that end it, with the source for each.
| Event | Effect | Source |
|---|---|---|
| You are hired by another employer | Payment ceases | Decree-Law 13/2022, Art. 5; u.ae (“compensation will be suspended if the worker/employee finds a new job”) |
| You leave the UAE | Payment stops, according to press guidance on the scheme. The policy’s condition is legal residence | Gulf News (updated Feb 2026); Khaleej Times (July 2024); ILOE policy criterion 9 |
| Three months paid | The claim is complete; the certificate is treated as cancelled; 12 new months needed before another claim | ILOE policy |
| 12 months of benefit reached over your UAE career | The insurer’s obligation ends for good | ILOE policy; iloe.ae FAQ |
| Death of the insured | Cover ends | ILOE policy; iloe.ae FAQ |
| The claim is found to be ineligible or fraudulent | Payments stop and the insurer can recover what was paid | ILOE policy; Cabinet Resolution 97/2022, Art. 15 |
Starting a new job during an ILOE claim
Tell the insurer. The law is clear that ILOE compensation stops when another employer hires you, and the new work permit will appear on MOHRE’s system, which the insurer can see. Money paid for a period after you started work is money you may be asked to return. None of this is a reason to turn down a job: a salary is worth far more than 60% of basic.
The good news is the requalification exception. If you stop claiming before the full three months, you do not need a fresh 12 months before a future claim, as long as you keep paying premiums on the policy.
Leaving the UAE during an ILOE claim
The official texts put this as a residence condition rather than a separate “stop” rule, and the u.ae page mentions only a new job. Gulf News and Khaleej Times, explaining the scheme, both say that compensation stops, or is not paid, if you cancel your residence and leave the country. The Dubai government portal says the insured must be present in the country. We treat leaving for good as ending the claim.
A short trip abroad during a claim is not addressed in the official texts we read. If you must travel, ask ILOE on 600599555 before you go, and get the answer by email.
Residence, grace periods and your ILOE claim
Three clocks start on or around your last working day, and they do not line up neatly.
| Clock | Length | Source |
|---|---|---|
| ILOE claim deadline | 30 days from the end of the labour relationship | ILOE policy; Cabinet Resolution 97/2022 |
| Final settlement due from the employer | Within 14 days of the end of the contract | Federal Decree-Law 33/2021, Art. 53 |
| Grace period after residence cancellation | Depends on the visa category. ICP lists 30 days for most categories, 60, 90 or 180 days for others. In Dubai the standard is 30 days, and your exact period is shown on your cancellation letter | ICP; cancellation letter |
The safe order is: termination letter, MOHRE work permit cancellation, ILOE claim, then residence cancellation and your next visa step. Filing while your residence is still valid, or early in the grace period, removes any argument about condition 9. Our guide to the UAE residence visa grace period has the full list of grace periods, and our guide to cancelling an employment visa covers the normal cancellation steps.
ILOE claims during a labour dispute
A dispute with the employer changes the ILOE claim process in three ways. Get them wrong and a strong claim can fail.
1. When the ILOE claim deadline starts
The policy’s criterion 5 says the claim must be filed within 30 days “from the date of the termination of the labour relationship or the settlement of the labour complaint referred to the judiciary”. So where the reason for the termination is before the courts, the clock can run from the settlement of that case.
The wording refers to complaints “referred to the judiciary”. Since Decree-Law 9/2024 amended the labour law, MOHRE itself decides many claims (up to AED 50,000) with an enforceable decision, which can be challenged at the Court of First Instance within 15 working days. The policy does not say how a dispute that MOHRE settles without a court referral affects the ILOE deadline. Our advice: start the ILOE claim process within 30 days of the termination anyway, upload the MOHRE complaint, and tell the insurer the reason is disputed. A claim filed early and completed later is safer than one filed late.
2. Keep paying the premiums
The policy says an insured “whose labour complaint was referred to the judiciary is obligated to continue to pay the Insurance Premium as long as the work permit is valid”. People stop paying because they have stopped working, and after 90 days the certificate is cancelled. A case that takes a year can end with a win in court and a lost ILOE claim.
3. The undertaking and the judgment
With a labour case between you and the employer, the policy asks for an undertaking to provide a copy of the final judicial ruling. If the court finds you were responsible for ending the relationship, the policy excludes compensation, and anything already paid can be recovered.
Unpaid premiums and ILOE fines at claim time
Money you owe the scheme can affect both whether you are paid and how much reaches you.
| What is outstanding | Effect on the ILOE claim | What to do |
|---|---|---|
| Premiums less than 90 days overdue | The certificate is still live, but condition 2 (premiums paid on schedule) is not met on paper | Pay the arrears on iloe.ae before you file and keep the receipt |
| Premiums more than 90 days overdue | The certificate is cancelled and counts as an interruption; no claim on that policy | No fix for this job loss. Re-subscribe now so the next 12 months start |
| ILOE fine (AED 400 not subscribing; AED 200 non-payment under Art. 8, u.ae shows AED 400) | Not listed as a claim condition, but it can be deducted from your wage account or end-of-service gratuity, and can hold up a new work permit | Check MOHRE “ILOE Quick Pay” and settle, or ask for instalments |
| Premiums after the claim | The policy says you are not obliged to pay premiums after the end of the claim payment where the labour relationship has ended | Subscribe again when you start a new job |
We found no rule, in the policy or on iloe.ae, that lets the insurer deduct outstanding premiums or MOHRE fines from ILOE compensation, and no statement that it does not. If your statement shows arrears, clear them before filing so the question does not arise. The fines themselves, and how to clear them, are covered in our ILOE subscription and fines guide.
ILOE claim eligibility in common situations
The ten conditions are simple on paper. Real job losses are not. This table applies them to the situations we are asked about most, and says where the official texts are silent.
| Situation | ILOE claim? | What decides it |
|---|---|---|
| Redundancy or restructuring | Yes, if the other conditions are met | Termination letter giving redundancy as the reason |
| Employer does not renew a fixed-term contract | Yes, in our reading: the job ended at the employer’s choice, not by resignation | A letter or email showing the employer chose not to renew |
| You chose not to renew a fixed-term contract | Unlikely: the loss is not involuntary | The policy’s burden to prove a reason other than resignation |
| Company closed permanently | Yes, if you can show the closure ended the job | MOHRE cancellation record; closure documents. Labour law Art. 42 lists permanent closure as a ground for ending a contract |
| Terminated during probation by the employer | Yes, if you already have 12 months of subscription from an earlier job | The subscription history, not the new job’s length |
| Termination by mutual agreement | Unclear: the texts do not address it | How the letter and MOHRE record describe it. Ask ILOE before you sign |
| You left under labour law Art. 45 (employer breach, MOHRE notified 14 working days ahead) | Unclear: not a resignation in labour law terms, but the policy does not deal with it | Your evidence of the breach and the MOHRE notification |
| Dismissed for misconduct under Art. 44 | No, unless the dismissal is overturned | Condition 4; a MOHRE complaint or court case can change the finding |
| Resigned | No | Condition 3 |
| Absconding report on file | No, until it is cancelled | Condition 6 |
| Free zone employee who subscribed voluntarily | Yes, on the same conditions | The “non-registered in MOHRE” policy; you will need free zone cancellation documents instead of MOHRE ones |
| Federal government employee | Yes, on the same conditions | The policy applies to the federal government sector too |
| Never subscribed | No, and subscribing now does not cover a job already lost | Condition 1 |
ILOE claim eligibility after leaving for the employer’s breach
This is a grey area, and an important one. Article 45 of Federal Decree-Law No. 33 of 2021 lets a worker leave without notice if the employer breaches its obligations and does not put it right after the worker notifies MOHRE 14 working days in advance. The worker keeps end-of-service entitlements. In labour law terms, that is not an ordinary resignation.
The ILOE policy does not mention Article 45. It asks you to prove the unemployment was “for a reason other than resignation”. Whether a claim succeeds will depend on how the ending is recorded (the MOHRE cancellation reason and any complaint decision) and on your evidence. If the ILOE benefit matters to you, get the characterisation right before you act: MOHRE’s labour claims and advisory line is 80084, and ILOE’s call centre is 600599555. Our guide to notice periods under UAE labour law explains how endings are classified.
When the employer has absconded or cannot be reached
If the owner has disappeared, you cannot get a termination letter, and the company may not cancel your permit. MOHRE’s rules (Ministerial Resolution 47/2022, Art. 5) let a worker ask for the work permit to be cancelled without the employer’s consent when the employer does not respond. That MOHRE record, with your complaint, is your evidence of an involuntary job loss. File the ILOE claim within 30 days anyway, explaining the position. For companies being wound up, see our company liquidation and visa cancellation service.
Why ILOE claims are rejected
Nearly every ILOE claim refusal maps to one of the ten conditions. Here they are in the order we see them cause trouble, with what prevents each.
| Reason for refusal | How it usually happens | Preventable? |
|---|---|---|
| ILOE claim filed after 30 days | The claim waits behind the visa, the settlement and the job search | Yes. File first |
| Policy cancelled for non-payment | A card or telecom payment stopped; 90 days passed unnoticed | Yes. Check “View Statement” every few months |
| Less than 12 months of subscription | Subscribed late, or the clock restarted after a lapse | Only by subscribing early |
| Recorded as a resignation | Resignation letter signed, or the employer chose “resignation” on the MOHRE cancellation | Often. Check the wording before you sign anything |
| Disciplinary dismissal | Dismissal under Art. 44 | Only by challenging the dismissal |
| Absconding report exists | Stopped attending work during a pay dispute | Yes. Never simply stop going to work; use a MOHRE complaint |
| Reason or date not evidenced | No termination letter, or one without a reason | Yes. Ask for it in writing before your last day |
| Not legally resident or not in the UAE | Residence expired, or the claimant left before or during the claim | Usually. File early and plan your status |
| Lifetime limit reached | 12 months of benefit already drawn | No |
| Data does not match | Basic salary or dates in the claim differ from the MOHRE contract and bank records | Yes. Use the MOHRE contract figures |
Misrepresentation and clawback
The policy excludes compensation where the worker “conceals or misrepresents any material fact or circumstance in relation to the termination”, or where a court finds the worker responsible for ending the relationship. If benefit has been paid to someone who was not eligible, Dubai Insurance “has the right to recover from the Worker the full amount paid”. Cabinet Resolution 97/2022, Art. 15, adds penalties for false salary or job data.
ILOE claim rejected: how to complain and appeal
The policy sets out a complaints route, and a newer Central Bank body now sits at its second step.
| Step | What to do | Timeframe | Source |
|---|---|---|---|
| 1 | Find out which condition was applied. Ask for the reason in writing | Straight away | Good practice |
| 2 | Complain to the insurer (Dubai Insurance, ILOE administrator) with your evidence | The policy says the insurer must respond within five working days | ILOE policy, section IX |
| 3 | If there is no answer or you disagree, complain to the Central Bank of the UAE through its ombudsman unit, Sanadak | Sanadak’s eligibility check asks that 15 calendar days have passed since your complaint to the insurer; complaints can be made up to three years from the conduct | ILOE policy; sanadak.gov.ae |
| 4 | Court action against the insurer remains open | Separate from the complaint route | ILOE policy (UAE courts are competent) |
The ILOE policy promises an insurer response within five working days and then allows a complaint to the Central Bank. Sanadak, the Central Bank’s ombudsman unit for banking and insurance complaints, asks on its complaint form whether 15 calendar days have passed since you complained to the insurance company without a response or with a response you are unhappy with. Gulf News (January 2026) described a 30-day wait. We follow Sanadak’s own form: complain to the insurer, wait for the five working days in the policy, and if Sanadak’s form will not accept the complaint yet, file once 15 calendar days have passed. Submitting a complaint has no fee for consumers; Sanadak charges AED 500 for an appeal against its own decision, refunded if you win.
When an ILOE claim complaint is worth making
Most ILOE claim refusals apply a condition correctly: a late filing, a lapsed policy, an open absconding report. A complaint will not change those. Complaints succeed on facts: a resignation recorded where there was a termination, a lapse that did not happen, a date entered wrongly, a document the insurer overlooked.
- Send evidence, not arguments: the termination email, MOHRE cancellation printout, payment receipts, the statement showing premiums paid.
- If the problem is the employer’s record, fix it at MOHRE first (through a complaint), then go back to the insurer with the corrected record.
An ILOE refusal is an insurance matter, so it goes to the insurer and Sanadak. A dispute about why your job ended is a labour matter for MOHRE. Using the right body for each is most of the work. Our MOHRE complaint service deals with the labour side.
ILOE compensation and your other money after a job loss
Three sums usually arrive around the end of a job, on different timetables and from different payers. ILOE compensation is separate from the others: receiving one does not reduce another.
| Item | Final settlement and gratuity | ILOE compensation |
|---|---|---|
| Who pays | Your employer | The insurance pool |
| Trigger | End of the contract (gratuity after one year’s service) | Involuntary loss of employment |
| Resignation | Gratuity still payable | Not covered |
| Basis | Basic wage and years of service | 60% of average basic over six months |
| Timing | Within 14 days of the contract ending (labour law Art. 53) | Within two weeks of a complete claim |
| Your deadline | Labour claims: two years from the end of employment (Decree-Law 9/2024) | 30 days to file |
Our end-of-service gratuity guide explains the settlement, and the gratuity calculator gives you a figure to check the employer’s against. One thing to look for on the settlement: an unpaid ILOE fine can be deducted from gratuity under Cabinet Resolution 97/2022, Art. 8.
ILOE claim process: six cases, worked through
These cases are built from the situations we see most often. Names and identifying details are left out, and the figures are the published ones.
1. Sales coordinator made redundant: a clean ILOE claim
A sales coordinator in Dubai on a basic of AED 9,000 had been subscribed in Category A for over two years, paying annually. Her role was made redundant with a termination letter dated 31 March 2026. She filed on the ILOE portal on 6 April, uploading the letter, contract, Emirates ID, passport and visa, and a bank statement.
The ILOE compensation: 60% × 9,000 = AED 5,400 a month, below the AED 10,000 cap. Three months = AED 16,200.
What applied: all ten conditions met; filed on day 6 of 30. Outcome: the claim went through the normal process. What made it work was the letter obtained on the last day and filing within a week.
2. Engineer whose ILOE claim was filed on day 34
A site engineer’s contract ended on 31 March 2026. He spent April dealing with his settlement and interviews and filed on 4 May. Day 30 was 30 April.
What applied: condition 5, the 30-day deadline. There was no labour complaint in court to move the start date. Outcome: refused. His premiums, his redundancy letter and his 18 months of subscription did not matter. A complaint to the insurer would not change a late filing, so he did not pursue one.
3. Accountant still in Category A after a pay rise
An accountant’s basic salary was AED 15,000 for three months and AED 17,000 for the last three before redundancy. She had never asked to move to Category B.
The arithmetic: average basic (15,000 × 3 + 17,000 × 3) ÷ 6 = AED 16,000. 60% = AED 9,600 a month, under the AED 10,000 cap. Three months = AED 28,800.
What applied: the six-month average and the Category A cap. Outcome: the category made no difference this time because the average stayed at AED 16,000. Had her basic been AED 20,000 for the full six months, 60% would be AED 12,000 and the Category A cap would have cut it to AED 10,000, costing AED 6,000 over three months (AED 36,000 against AED 30,000).
4. Driver who stopped going to work
A delivery driver was unpaid for two months and stopped going to work. The employer filed an absence report and then cancelled the company’s operations. He later tried to claim.
What applied: condition 6, no absconding complaint. The policy does not weigh whether the report was fair. Outcome: the claim could not proceed while the report stood. He filed a MOHRE complaint over the wages and asked for the report to be cancelled. Once it was cancelled, the policy gave him three months to pay the premiums that had gone unpaid. By then his 30 days from the end of employment had long passed. Had he filed a MOHRE complaint and kept attending, the ILOE route would have stayed open.
5. Manager whose termination went to court
A manager was dismissed under Article 44 for alleged misconduct. He disputed it, and the case was referred to court. He kept paying his Category B premiums because his work permit stayed valid during the case. The court ruled in his favour and the case was settled on 15 September 2026.
The dates: 30 days from 15 September 2026 is 15 October 2026. He filed on 22 September with the judgment and his undertaking.
The ILOE compensation: average basic AED 40,000; 60% = AED 24,000, capped at AED 20,000. Three months = AED 60,000.
What applied: criterion 5’s “settlement of the labour complaint referred to the judiciary”, the duty to keep paying premiums while the permit is valid, and the undertaking to provide the final judgment. Outcome: eligible. Had he stopped paying when he stopped working, the certificate would have been cancelled after 90 days.
6. Analyst who found a new job in month two
An analyst on a basic of AED 12,000 was made redundant, claimed on time, and received her first month’s ILOE compensation of AED 7,200. Five weeks after her last day she accepted a new job and her new work permit was issued.
What applied: Decree-Law 13/2022, Art. 5 (payment stops on being hired) and the policy’s requalification exception. Outcome: payments stopped. Because she received less than the full three months, she did not need a fresh 12 months before a future claim. She kept her policy paid, and one month of her 12-month lifetime allowance was used.
ILOE claims: what circulates online that is not true
| What people say | What the sources say |
|---|---|
| “ILOE pays 60% of my salary.” | 60% of your average basic salary over six months, capped by category |
| “I can claim whenever I get round to it.” | 30 days from the end of the labour relationship. No published extension |
| “My employer files the claim.” | You file. The employer supplies the termination letter and cancels the permit |
| “If I resign for a good reason, I can still claim.” | Resignation is excluded; Art. 45 endings are a grey area the policy does not address |
| “I can claim from home after I leave the UAE.” | Legal residence is a condition, and payments stop on leaving, according to press guidance on the scheme |
| “I can claim as often as I need.” | 3 months per claim, 12 months over your whole UAE career, and 12 new months after a full claim |
| “Once approved, I keep the money whatever happens.” | The insurer can recover payments made to someone not eligible, and payments stop on a new job |
Search results for ILOE claims include private sites that ask for your Emirates ID, bank details or a fee. The official claim is filed at iloe.ae (“Submit your claim”), in the ILOE app or through 600599555. Never enter bank or card details on a site you reached from an advert or a message.
How to verify every ILOE claim figure in this guide
| Figure or rule | Where to check it | What you will find |
|---|---|---|
| The ten ILOE claim eligibility conditions | ILOE policy terms and conditions (iloe.ae PDF); iloe.ae FAQ | The numbered criteria |
| 12 months, disciplinary exclusion, new job stops payment | Decree-Law 13/2022, Art. 5 | The legal basis |
| 60%, three months, 12-month lifetime limit | Decree-Law 13/2022, Art. 6; Cabinet Resolution 97/2022, Art. 10 | The benefit rules |
| AED 10,000 and AED 20,000 caps | Cabinet Resolution 97/2022, Art. 10; iloe.ae home page | Category caps |
| ILOE claim process steps, documents, payment options | iloe.ae “ILOE Claims Submission Guideline” | The customer journey |
| Complaints route | ILOE policy, section IX; sanadak.gov.ae | Five working days; Central Bank; Sanadak eligibility |
| Suspension on a new job; presence in the country | u.ae scheme page; Dubai government portal (dubai.ae) | Official summaries |
What we will and will not do
We will check your ILOE claim eligibility before charging you, tell you if you can file yourself at no cost, work out your expected compensation, assemble and file the claim with you, fix the MOHRE side (cancellation, complaints, absconding reports), and prepare a complaint to the insurer and Sanadak where the facts support one.
We will not promise that a claim will be paid, file a claim on facts we know to be wrong, describe a resignation as a termination, or ask for your bank card details. The compensation is paid by the insurer straight to you; our fee is separate and in writing.
Related guides
- ILOE insurance: cost, fines and how to subscribe: categories, premiums, channels and fines
- End-of-service gratuity in the UAE: the other money due when a job ends
- How to file a MOHRE complaint: when the employer records the wrong reason
- Salary not paid in the UAE: remedies that do not put your ILOE claim at risk
- How to cancel an employment visa: the cancellation your claim depends on
- UAE residence visa grace period: how long you can stay after cancellation
- Absconding reports explained: the report that blocks an ILOE claim
We have rewritten this guide. The earlier version said Category A claimants are never capped; a subscriber whose basic rose above about AED 16,667 without moving to Category B, or a commission worker who chose Category A, can be (Cabinet Resolution 97/2022, Art. 10; ILOE policy). It gave the Central Bank as the escalation point without mentioning Sanadak, the Central Bank’s ombudsman unit that now takes insurance complaints, or its own waiting rule (sanadak.gov.ae). It left out that payment stops on a new job (Decree-Law 13/2022, Art. 5; u.ae) and, according to press guidance, on leaving the UAE; the full document list and the exchange house payment option from the iloe.ae claims guideline; and MOHRE’s general number, 600590000, alongside the 80084 advisory line.
ILOE claim process: frequently asked questions
How long do I have to submit an ILOE claim?
Thirty days from the end of the labour relationship, or from the settlement of a labour complaint referred to the courts. The deadline is one of the ten eligibility conditions in the ILOE policy and we found no published power to extend it. File on iloe.ae, the ILOE app or 600599555 as soon as you have your termination letter.
How much ILOE compensation will I get?
60% of your average basic salary over the six months before the job loss, for up to three months. It is capped at AED 10,000 a month in Category A (basic AED 16,000 or less) and AED 20,000 in Category B. Allowances are not included, so on a typical package it is roughly 30% of total pay.
What are the ILOE claim eligibility conditions?
Twelve consecutive months of subscription with no gap over three months, premiums paid on schedule, a job loss that was not a resignation, no disciplinary dismissal, a claim within 30 days, no absconding complaint, legal residence in the UAE, no fraud, and no strike, war or similar cause. All ten must be met.
How do I claim ILOE online?
Go to iloe.ae and choose “Submit your claim”. Sign in with an OTP using your Emirates ID or UID, confirm your contact details, select the unemployment reason and last working date, upload your documents, choose bank transfer or an exchange house, and submit. Updates are sent to your email.
What documents do I need for an ILOE claim?
A termination letter showing the date and reason, your Emirates ID, passport and visa, employment contract, residence cancellation (exemptions apply) and a bank statement. If there is a labour complaint or court case, add those papers and an undertaking to provide the final judgment. The insurer may also ask for an entry and exit report.
How long does ILOE take to pay?
The policy and Cabinet Resolution 97/2022 say the insurer pays no later than two weeks after receiving a claim with documents that meet the eligibility criteria. If the insurer asks for more documents, expect the two weeks to run from when it has everything. Chase in writing if nothing arrives.
Can I claim ILOE if I resigned?
No. The scheme covers involuntary job loss, and the policy requires you to prove the unemployment was for a reason other than resignation. Leaving under Article 45 of the labour law after an employer breach is a grey area the policy does not address, so take advice before you act if the benefit matters to you.
Does ILOE stop if I find a new job?
Yes. Decree-Law 13/2022, Article 5, says payment ceases when another employer hires you, and u.ae says the same. If you received less than the full three months, you do not need a new 12-month qualifying period before a future claim, as long as you keep the policy paid.
Can I claim ILOE after leaving the UAE?
Legal residence in the UAE is one of the policy’s conditions, and press guidance on the scheme says compensation stops if you leave the country. File while your residence is valid or within the grace period, and keep a valid status in the UAE while you are being paid.
My ILOE claim was rejected. What can I do?
Ask which condition was applied. If the facts are wrong, complain to the insurer with evidence; the policy says it must respond within five working days. If that fails, complain to the Central Bank through Sanadak, whose form asks that 15 calendar days have passed. Court action remains open.
Can I claim ILOE if my case is with MOHRE or in court?
Yes. The policy lets the 30 days run from the settlement of a labour complaint referred to the courts, but you must keep paying premiums while your work permit is valid. For disputes MOHRE settles without the courts the policy is silent, so file within 30 days of termination and upload the complaint.
What if my ILOE premiums are unpaid when I claim?
If premiums are less than 90 days overdue, pay them before filing, because paying on schedule is a condition. If more than 90 days, the certificate was cancelled and there is no claim on it; subscribe again now. ILOE fines are a separate MOHRE matter and can be taken from your gratuity.
Can MIRDXB PRO file my ILOE claim for me?
Yes. We check your eligibility first, work out the expected compensation, prepare the documents and file or guide the filing on the ILOE portal, then follow up until a decision. There is no government fee to claim. Our fee is quoted in writing before we start, and we tell you if you can simply do it yourself.
Can MIRDXB PRO help if my employer recorded a resignation or an absconding report?
Yes. We handle the MOHRE side, a labour complaint to correct the record or a request to cancel an absconding report, and then the ILOE claim or complaint with the corrected record. We will tell you honestly if the 30-day deadline has already made the claim impossible.
Getting the ILOE claim, the MOHRE cancellation and your next visa step right, first time, is what our PRO services in Dubai team handles.
- ILOE: Involuntary Loss of Employment Policy terms and conditions
- ILOE: Claims Submission Guideline (customer journey)
- ILOE: claim brochure
- ILOE: frequently asked questions
- ILOE: official portal (Dubai Insurance, insurance pool)
- Federal Decree-Law No. 13 of 2022 concerning Unemployment Insurance (u.ae copy)
- Cabinet Resolution No. 97 of 2022 on the mechanisms and controls for implementing the Unemployment Insurance Scheme
- The Official Portal of the UAE Government: Unemployment Insurance Scheme
- Dubai government portal: Involuntary Loss of Employment
- Federal Decree-Law No. 33 of 2021 on the Regulation of Labour Relations
- Sanadak (Central Bank of the UAE ombudsman unit): submit a complaint
- Gulf News: when ILOE compensation stops (secondary, updated February 2026)
- Khaleej Times: how to claim ILOE (secondary, July 2024)
- Gulf News: claiming ILOE online and exchange house collection (secondary, July 2025)
Please note. This guide sets out the ILOE claim rules, compensation, documents and complaint routes as published in Federal Decree-Law 13/2022, Cabinet Resolution 97/2022, the ILOE policy terms and conditions, the iloe.ae claims guideline and FAQ, u.ae, dubai.ae and sanadak.gov.ae at the date of verification (23 September 2026). They can change, and the insurer’s decision on your file is what applies to you. Where sources disagree or are silent, as on leaving the UAE, mutual-agreement endings and complaint waiting periods, we say so. Compensation figures are our arithmetic from the published rules. The policy is issued in Arabic and other languages, and the Arabic version prevails. The cases are illustrative, built from common situations, not records of named clients. This guide is not legal or insurance advice. For your own claim, contact ILOE on 600599555 or MOHRE on 600590000.
