Understanding ILOE: Involuntary Loss of Employment Insurance
ILOE stands for Involuntary Loss of Employment — a mandatory insurance scheme launched by the UAE government to support employees in case of job loss. This insurance provides monthly financial compensation to eligible workers who lose their job involuntarily (not by resignation or misconduct).
It is now compulsory for all private and public sector employees in the UAE, including Nepali workers.
✅ Why Is ILOE Important?
- Sudden job loss can cause severe financial stress, especially for expatriate workers.
- With ILOE, you will receive up to 60% of your basic salary for 3 months.
- It gives you breathing space to find another job without going into debt.
💼 Who Needs to Enroll?
All workers in UAE’s private and federal sectors, including Nepalese workers, must enroll. Exceptions include:
- Investors or business owners
- Domestic workers
- Temporary contract workers
- Individuals under the age of 18
💰 Premium & Benefits
| Salary Range | Monthly Premium | Maximum Monthly Compensation |
|---|---|---|
| Below AED 16,000 | AED 5 | Up to AED 10,000 |
| AED 16,000 and above | AED 10 | Up to AED 20,000 |
📝 How to Subscribe to ILOE?
You can register easily through:
- ✅ www.iloe.ae
- ✅ Etisalat / Du mobile apps
- ✅ Al Ansari Exchange
- ✅ Bank apps and ATMs
📂 How to Claim ILOE in Case of Job Loss?
If you lose your job involuntarily:
- You must be subscribed for at least 12 months.
- Apply within 30 days of job loss.
- Provide necessary documents:
- Emirates ID
- Termination letter
- Salary certificate
- Log in to iloe.ae or your insurer’s platform and fill the claim form.
- If approved, you’ll receive monthly payouts for up to 3 months.
⚠️ Important Conditions to Remember:
- You cannot claim if you were terminated for misconduct.
- You must have paid the premiums continuously for 12 months.
- Claims must be made within 30 days of job loss.
💬 Message to Nepalese in UAE:
साथीहरू, UAE मा काम गर्नुहुन्छ भने ILOE बीमा लिनु अनिवार्य भइसकेको छ।
आजै दर्ता गर्नुहोस् र आफु तथा परिवारको भविष्य सुरक्षित बनाउनुहोस्।
जागिर गुम्दा असहाय हुने अवस्था नआओस्, यसबीचमा नयाँ काम खोज्न सहयोग गर्न ILOE एक सुरक्षा कवच हो।
👉 हरेक नेपाली कामदारले यो जानकारी बुझ्नैपर्छ, आफन्त र साथीहरूलाई पनि सेयर गर्न नबिर्सनुहोस्।
📣 Final Note
ILOE is not just a rule; it’s a lifeline. Understanding and enrolling in this scheme is a smart and necessary step for every Nepali living and working in the UAE.
For updates, guides, and job-related help, follow us at:
🌐 www.nepaleseinuae.com