ILOE Insurance
Involuntary Loss of Employment insurance is mandatory for all private sector employees in the UAE. We handle enrolment, renewals, and ongoing compliance.
Overview
About ILOE Insurance
The Involuntary Loss of Employment (ILOE) insurance scheme is a mandatory federal requirement for all private sector employees in the UAE, introduced under Federal Decree Law No. 13 of 2022. It provides a financial safety net for employees who lose their job involuntarily.
Prism 7 Corporate manages the complete enrolment process for your workforce, ensures ongoing contributions are current, and keeps your business in full ILOE compliance — avoiding the penalties imposed for late or missing registrations.
What's Included
Our ILOE Insurance Service
Involuntary Loss of Employment Cover
ILOE (Involuntary Loss of Employment) insurance is a mandatory UAE government scheme for employees in the private and federal sectors. We register employees and manage the annual subscription.
Registration & Annual Renewal
We handle initial registration on the ILOE portal and track annual renewal dates — ensuring employees are not subject to fines for late or missed subscriptions.
Multi-Employee Bulk Processing
For companies with multiple staff, we process ILOE registrations in bulk — reducing the administrative burden on HR teams and ensuring all employees are covered simultaneously.
Compliance & Fine Avoidance
Late ILOE registration attracts government penalties. We track deadlines per employee and ensure submissions are made within the required timeframe.
Integration with Visa Processing
ILOE registration is part of the broader employee visa and onboarding cycle. We process it alongside labour cards, Emirates ID applications, and medical tests as part of the same workflow.
How It Works
Simple, Transparent Process
Get in Touch
Reach out via phone, email, or our contact form — our team responds within one business day.
Free Consultation
We assess your specific requirements at no cost and provide a clear, itemised quote covering all fees and timelines.
We Handle Everything
Our team manages every step — documents, authority submissions, liaison, and tracking — keeping you informed throughout.
Handover & Support
Once complete, your documents are handed over with a renewal calendar. We remain your point of contact for all future requirements.
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For our initial company setup from recruitment to visa processing and all ad-hoc requirements, Prism 7 has been a good helping hand. Mary Jane you are tenacious person…
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it was a best PRO services i ever had. thanks MJ for helping me to process my employment visa...
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FREQUENTLY ASKED QUESTIONS
ILOE Insurance — Frequently Asked Questions
The Involuntary Loss of Employment (ILOE) insurance scheme is a mandatory UAE government programme requiring all employees working in the UAE to subscribe. It provides financial support — up to 60% of last-drawn salary for a period of up to three months — in the event of involuntary job loss. The scheme is administered by the UAE Insurance Authority and subscriptions are paid as a small monthly or annual premium.
The scheme is mandatory for all employees registered under the UAE Labour Law (MOHRE), including expatriate workers. Government employees, domestic workers, temporary contract workers, investors and business owners, and those under 18 or over 60 are among the categories exempted. Employers are responsible for ensuring their eligible employees are subscribed and that premiums are paid.
Employees who fail to subscribe within the prescribed period are subject to a financial penalty issued by the Ministry of Human Resources and Emiratisation (MOHRE). Additionally, any claim for ILOE benefits will be rejected if the employee was not subscribed and up to date with premium payments at the time of job loss. Employers who fail to ensure employee compliance may also face administrative consequences.
The scheme covers involuntary job loss — meaning the employee was terminated by the employer without cause related to the employee's conduct or performance. Voluntary resignation, termination for cause or gross misconduct, and end of a fixed-term contract where the employee knew in advance are generally excluded from eligible claims. The Ministry evaluates each claim against the termination records in the MOHRE system.
Employers or their PRO representatives register employees through the ILOE portal linked to the MOHRE system. Premiums can be paid monthly or annually — annual payment is typically more cost-effective. We assist companies in establishing an ILOE compliance process for new joiners and manage bulk registrations and renewals as part of our PRO retainer services.
Questions about ILOE registration or eligibility? Our team can assist.
Ask Us AnythingGet Started
Need to Register for ILOE?
Our PRO team will register your employees and keep your business compliant. Get in touch for a free compliance review.
