Involuntary Loss of Employment Scheme

The Involuntary Loss of Employment (ILOE) Scheme is a program established under Federal Decree-Law No. 13 of 2022. Its purpose is to offer support and financial protection to individuals who have faced involuntary termination from their employment. This scheme specifically targets cases where employees are terminated for reasons unrelated to disciplinary measures or voluntary resignation. By providing financial security, the scheme assists eligible employees during their transition period until they secure new employment.

Who are eligible for subscriptions?
Emiratis and residents employed in both the federal government and private sectors are eligible for the Involuntary Loss of Employment (ILOE) scheme.

Who is exempted from the subscriptions? 
The Involuntary Loss of Employment (ILOE) scheme does not apply to the following categories:
•    Investors who are owners of the companies they work for.
•    Domestic helpers.
•    Temporary-contract workers.
•    Juveniles under the age of 18.
•    Retirees who are entitled to a pension and have joined a new job.
 
What are the compensation benefits?
The compensation benefits for the Involuntary Loss of Employment scheme are as follows:
The monthly compensation is calculated as 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.

The maximum compensation for any one claim is provided for a period of 3 consecutive months. The maximum period of benefits is throughout the insured individual's entire work life in the United Arab Emirates, and the total claim payments shall not exceed 12 monthly benefits, regardless of the number of claims submitted.

What is Category A? 
Category A refers to individuals with a basic salary of 16,000 AED or below. For individuals falling under Category A, the monthly contribution for the Involuntary Loss of Employment scheme is 5 AED + VAT per month. In the event of a claim, the compensation benefit can be up to 10,000 AED per month for a maximum duration of 3 months.

What is Category B?
Category B refers to individuals with a basic salary above 16,000 AED. For individuals falling under Category B, the monthly contribution for the Involuntary Loss of Employment scheme is 10 AED + VAT per month. In the event of a claim, the compensation benefit can be up to 20,000 AED per month for a maximum duration of 3 months.

What are the required documents for the Registration?
The required documents for registration are as follows:
•    Emirates ID or Unified Number: You will need to provide your Emirates ID or Unified Number, which serves as identification for the registration process.
•    Email Address: A valid email address is required for communication and correspondence related to the registration.
•    Mobile Number: You will need to provide a valid mobile number, as it may be used for verification purposes and receiving important updates regarding the registration process.

What are the Payment Options?
The payment options available are as follows:
•    Monthly: You have the option to make monthly payments for the required fees.
•    Quarterly: Payments can be made on a quarterly basis, which means every three months.
•    Semi-annually: You can choose to make payments every six months.
•    Annually and in full: The option to pay the fees for the entire year in one lump sum is also available.

How to Subscribe?
To subscribe to the Involuntary Loss of Employment (ILOE) scheme, you have various options available:
•    ILOE Portal: Visit the ILOE portal at www.iloe.ae and follow the instructions provided to subscribe to the scheme.
•    ILOE Mobile App: Download the ILOE mobile app and complete the subscription process through the app. The app can be found on your mobile device's respective app store.
•    Al Ansari Exchange: Visit an Al Ansari Exchange branch and inquire about the subscription process for the ILOE scheme. Their staff will guide you through the necessary steps.
•    Telecommunications Bills: Some telecommunication service providers may offer the option to subscribe to the ILOE scheme through your telecom bills. Check with your service provider to see if this option is available.
•    SMS: Keep an eye out for any SMS notifications or promotional messages from authorized entities providing the ILOE scheme. They may provide instructions on how to subscribe via SMS.
•    Bank Apps: Some banks may offer the option to subscribe to the ILOE scheme through their mobile banking apps. Check if your bank provides this feature and follow the steps within the app to subscribe.
•    Business Centers: Certain authorized business centers may facilitate the subscription process for the ILOE scheme. Visit these centers and inquire about the requirements and procedures for a subscription.
•    Kiosks (UPAY) & ATMs (C3 Pay): Look for UPAY kiosks or C3 Pay ATMs that offer the ILOE scheme subscription services. Follow the on-screen instructions to complete the subscription.

Please note that the availability of subscription methods may vary, and it is advisable to refer to official sources or authorized entities for the most accurate and up-to-date information on how to subscribe to the ILOE Scheme.