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  • In implementation of the Federal Decree Law No. 13 of 2022 concerning the Involuntary Loss of Employment (ILOE), this unique Scheme provides security for employees who lost their jobs due to reasons other than disciplinary action or resignation until they find a new job.
    The eligible employees will be compensated with a Monthly cash benefit up to 60% of their average basic salaries of the 6 months prior to loss of employment.
  • Cash benefit shall be provided for maximum 3 consecutive months for a claim only for the workers who pay the monthly premium for at least 12 consecutive months.
DOWNLOAD BROCHURE Policy Terms and conditions
DOWNLOAD BROCHURE ILOE CLAIM Federal Decree law No. 13 of 2022
ILOE Claims Submission Guideline
Subscribe/Renew Here ILOE Portal-User Manual Submit your claim
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Subscribe/Renew Here ILOE Portal-User Manual
Submit your claim

Eligibility

Who is Eligible to Subscribe?

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Emiratis and Residents working in the federal government and private sectors.

Exempted Categories

Investors (owners of companies they work at) Domestic helpers Temporary-contract workers Juveniles under the age of 18 Retirees who are entitled to a pension and joined a new job

Compensation Benefits

  • The Monthly compensation is 60% of the average basic salary over the most recent 6 months prior to the Involuntary Loss of Employment
  • For Category A: Maximum Claim Benefits : 10,000 AED per month
  • For Category B: Maximum claim Amount : 20,000 AED per month
  • Maximum compensation for any one claim: 3 consecutive months
  • Maximum Period of Benefits: During the Insurance Period over the entire work life of the Insured in the United Arab Emirates the aggregate Claim Payment shall not exceed 12 monthly benefits (regardless of the number of Claims submitted).
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Plans

CATEGORY A

Basic Salary 16,000 AED or below

5 AED+ VAT/MONTH

Compensation Benefit

Up to 10,000 AED / month

Up to 3 months /claim

CATEGORY B

Basic Salary Above 16,000 AED

10 AED+VAT/ Month

Compensation Benefit

Up to 20,000 AED / month

Up to 3 months /claim

Policy period is available for 1 year or 2 years
Full VAT amount added to the 1st installment/payment

Made With Reflect4 Free Extra Quality May 2026

If you're looking to discuss Reflect4 or inquire about its capabilities, features, or how it's used, could you provide more details or clarify your question? I'm here to help with more information or to assist with a specific query you might have.

Contact Us

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×
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  • 01Send SMS message ID space (Emirates ID number) to 2120 ex: ID 784xxxxxxxxxxxx to 2120.
×
×
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  • Visit any Tawjeeh or Tasheel Branch
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Or
  • 02Through Al Ansari Exchange App
×
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  • 01Send SMS message ID space (Emirates ID number) to 2120 ex: ID 784xxxxxxxxxxxx to 2120.
×
  • 1. If you are an employee in the private sector and have a work permit issued by the Ministry of Human Resources and Emiratization; And when you enter your data, if you do not find your information; please submit a technical support ticket on MoHRE website or Mobile App or Contact the MoHRE call center.
  • 2. If you are an employee in the federal government sector; And when you enter your data, if you do not find your information; Please contact the Human Resources Department in the entity where you work.
Subscribe Here
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