# UAE ILOE unemployment insurance calculator

> UAE unemployment insurance (ILOE) is mandatory for most private sector and federal government employees. The premium is AED 5 a month (plus VAT) for basic salary up to AED 16,000 and AED 10 a month above. It pays 60% of basic salary for up to 3 months per claim, capped at AED 10,000 or AED 20,000 a month. Not subscribing carries an AED 400 fine.

Interactive calculator: https://www.countify.ae/tools/iloe-calculator · Updated 2026-10-14 · Countify UAE

## ILOE premiums

Two categories by basic salary.

| Basic salary | Premium a month (before VAT) | Premium a year | Maximum monthly benefit |
| --- | --- | --- | --- |
| AED 8,000 | AED 5.00 | AED 60.00 | AED 10,000.00 |
| AED 16,000 | AED 5.00 | AED 60.00 | AED 10,000.00 |
| AED 25,000 | AED 10.00 | AED 120.00 | AED 20,000.00 |

Premiums can be paid monthly, quarterly, half-yearly or yearly.

## Who is covered and who is exempt

Investors who own the business they work in, domestic workers, temporary contract workers, under-18s and retirees receiving a pension who have joined a new job are exempt. A claim needs at least 12 months of continuous subscription and cannot be made after resigning or being dismissed for disciplinary reasons.

## Legal basis

- Federal Decree-Law No. 13 of 2022 on unemployment insurance (https://www.mohre.gov.ae/en/laws-and-regulations/laws.aspx)

## Frequently asked questions

### How much is ILOE insurance per month?

AED 5 for basic salary up to AED 16,000 and AED 10 above, plus VAT.

### What is the fine for not subscribing to ILOE?

AED 400. Failing to pay premiums for more than 3 months carries a further AED 200 fine.