The two categories, premiums and compensation
| Category 1 | Category 2 | |
|---|---|---|
| Basic salary | Below AED 16,000 | Above AED 16,000 |
| Monthly premium | Up to AED 5 | Up to AED 10 |
| Maximum monthly compensation | AED 10,000 | AED 20,000 |
Compensation = 60% of the basic salary, for a maximum of 3 months per claim.
Who is exempt?
- Investors who own the establishment they work in.
- Domestic workers.
- Workers on temporary contracts.
- People under 18.
- Retirees receiving a pension who have taken a new job.
Conditions for compensation
- At least 12 continuous months of subscription, with premiums paid on time.
- Job loss for a reason other than resignation, and not a dismissal for disciplinary reasons.
- A claim filed within 30 days of the end of employment or the resolution of a labour dispute.
- Being present in the UAE, with no absconding (work absence) complaint.
Compensation stops if the worker finds a new job during the eligibility period.
How to subscribe
Official channels include the ILOE website and app, Tasheel and Tawjeeh centres, self-service kiosks, Al Ansari Exchange, some banks' apps, SMS via du and Etisalat, and the BOTIM app.
Practical steps
- Check today that your subscription is active on the ILOE website or app.
- Know your category from your basic salary, not your total pay.
- Switch on automatic payment so late premiums don't cost you eligibility.
- If you lose your job for a reason other than resignation, file the claim within 30 days; according to the official portal, payment is made within two weeks of the claim.
- Use the compensation period to prepare your CV and apply with a clear plan. See the 30-day job search plan.
Official sources
This article is general guidance, not legal advice. Rules can change, so always check the official sources or contact the Ministry of Human Resources and Emiratisation (600590000) about your specific case.
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FAQ
Is unemployment insurance mandatory in the UAE?
Yes for private-sector and federal government employees, with exceptions including investors, domestic workers, temporary-contract workers and people under 18.
How much does unemployment insurance pay?
60% of the basic salary for up to 3 months, capped at AED 10,000 a month for Category 1 and AED 20,000 for Category 2.
Do I get compensation if I resign?
No. Job loss must be for a reason other than resignation, and not a dismissal for disciplinary reasons.