Lose Your Job? Here is How to Calculate Your ILOE Payout
📣 ARTICLE HEADLINE
If you face an unexpected job loss in the UAE, you can estimate your monthly financial support using an official online tool provided under the Involuntary Loss of Employment (ILOE) scheme.
The ILOE compensation calculator, available on the official ILOE portal (www.iloe.ae/Calculator.aspx), evaluates your basic salary, employment history, and subscription record to project your potential monthly payout. Eligible private-sector and federal government employees can receive 60 per cent of their average basic salary over the six months before termination, paid for up to three consecutive months.
How the Compensation Caps Work
The scheme divides workers into two coverage tiers based on basic contract salary. Your basic salary, excluding allowances, determines your tier, your required insurance certificate, and the maximum payout you can receive each month.
| Insurance Category | Basic Salary Tier | Maximum Monthly Compensation |
|---|---|---|
| Category A | AED 16,000 or less | AED 10,000 per month |
| Category B | Above AED 16,000 | AED 20,000 per month |
Key Qualification Rules
Eligibility for monthly payouts relies on several specific operational conditions:
- Involuntary Termination: Compensation applies strictly to employees who are terminated. Workers who resign or are dismissed for disciplinary reasons do not qualify.
- 12-Month Minimum Subscription: You must have maintained an active ILOE insurance subscription for at least 12 consecutive months prior to your last working day, with all premiums paid according to schedule.
- 30-Day Claim Window: Workers must submit their formal compensation claim within 30 days of the end of their employment relationship.
- Ownership Exclusion: Business owners or partners in the establishment where their employment ended are excluded from compensation under the scheme.
- Residency Status: You must be physically present in the UAE with a valid residence visa or within your permitted post-cancellation grace period. Grace periods vary by visa type: 30 days for certain residency categories, 60 days for standard employer-sponsored visas, 90 days for eligible skilled workers, and 180 days for Golden and Green Visa holders.
Steps to Use the Online Tool
- Access the Portal: Visit www.iloe.ae/Calculator.aspx.
- Select Reason for Unemployment: Indicate that your job ended involuntarily due to termination.
- Set Timeline: Input your actual last working date and your planned claim submission date to verify compliance with the 30-day deadline.
- Confirm Subscription Record: Verify whether you completed 12 consecutive months of paid ILOE coverage.
- State Visa Status: Confirm physical presence in the UAE and confirm your visa or grace period validity.
- Verify Ownership: Confirm that you are not an owner or partner in the establishment.
- Enter Basic Salary: Input your exact monthly basic salary, as recorded in your employment contract, for each of the six months prior to termination.
- Select Coverage Category: Choose Category A (basic salary of AED 16,000 or less) or Category B (basic salary above AED 16,000) as printed on your ILOE insurance certificate to generate your estimated payout.
