Unemployment insurance
Most private sector employees in the UAE must subscribe to the involuntary loss of employment (ILOE) insurance scheme.
Who must subscribe
Employees in the private sector and federal government, with exemptions for investors who own their business, domestic workers, temporary workers, retirees receiving a pension who have joined a new job, and those under 18.
Categories
Premiums and benefits depend on basic salary, with a lower category for basic salary up to AED 16,000 per month and a higher one above it.
Fines
Employees who fail to subscribe face fines, which can be deducted from end-of-service benefits.
Common questions
Does the business owner need it?
Investors who own the business they work for are exempt.
Official sources
We check our guidance against these official sources. Always confirm current fees and rules before acting.