ILOE Insurance
The UAE's Involuntary Loss of Employment (ILOE) insurance scheme is mandatory for most employees in the UAE. We handle registration and compliance on your behalf.
Overview
What is ILOE Insurance?
The Involuntary Loss of Employment (ILOE) insurance scheme was introduced in the UAE in 2022 and is mandatory for the majority of employees working in the country. Eligible employees must register and pay a monthly premium in order to access unemployment benefits if they lose their job.
Prism 7 Corporate assists businesses and employees with ILOE registration, ensuring full compliance with the scheme’s requirements and helping to avoid the penalties that apply for non-registration.
What's Included
Our ILOE Insurance Services
Mandatory Compliance
ILOE registration is required for the majority of UAE employees. We ensure your workforce is enrolled before regulatory deadlines.
Employee Registration
We register each eligible employee with the scheme, handling all data submission to the General Pension and Social Security Authority.
Compliance Audit
We review your current employee records to identify any unregistered staff and assess your overall ILOE compliance position.
Ongoing Premium Management
Guidance on monthly premium payment obligations and assistance with the ILOE portal for ongoing administration.
Penalty Prevention
Failure to register carries financial penalties for both employers and employees. We manage the process proactively to protect your business.
How It Works
Simple, Transparent Process
Workforce Audit
We review your employee register to identify all workers requiring ILOE registration and flag any compliance gaps.
Employee Registration
Registration data for each eligible employee is submitted to GPSSA via the ILOE portal accurately and on time.
Confirmation & Records
You receive confirmation of all registrations, with records kept on file for your own compliance documentation.
Ongoing Administration
We assist with premium payment guidance and handle any future additions, cancellations, or amendments to your register.
Our clients rate us 5 stars for expertise, responsiveness and professionalism across company formation, visa services and PRO services in the UAE.
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Frequently Asked Questions
Most private sector employees in the UAE are required to participate in the Involuntary Loss of Employment (ILOE) scheme. Certain categories are exempt, including domestic workers, GCC nationals, temporary workers, and retirees receiving pensions. We audit your employee register to confirm who is in scope.
Employers who fail to register eligible employees face monthly administrative fines of AED 200 per unregistered worker. Employees who do not self-register also face their own penalties. We manage the registration process proactively to eliminate this risk.
Monthly premiums depend on salary band — currently ranging from AED 5 to AED 40 per employee per month. We can estimate your total monthly obligation once we have reviewed your employee register.
ILOE provides a cash payment equivalent to 60% of the insured employee's salary for up to three months in the event of involuntary job loss. It is administered by the General Pension and Social Security Authority (GPSSA).
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Need Help With ILOE Insurance?
Our team handles ILOE registration and compliance for businesses and individuals across the UAE. Get in touch for a free consultation.