UAE ILOE Eligibility & Benefit Planner
Estimate the maximum ILOE benefit only after checking coverage, subscription continuity, job-loss context and claim timing.
Calculate your estimate
Conditional estimate for covered private-sector and federal-government employees; the insurer and official records decide eligibility, category, timing and final payment
On supported formula tools, valid inputs refresh the estimate automatically. Use Calculate estimate to review it again.
Saved estimates stay only in this browser on this device. Nothing is sent to Gulf Expat Tools. Save up to five named estimates per tool.
Saved estimate history
Load or remove up to five recent estimates stored only in this browser.
Scope of this calculator
Scope in
- ILOE scheme eligibility and monthly benefit estimates for subscribed private-sector and free-zone employees.
- Basic salary category A or B and subscription status you enter.
- Claim-window timing from your termination date.
Scope out
- Investors, domestic workers, under-18s and retirees receiving a pension.
- Resignation and dismissal for disciplinary reasons.
- Final claim approval, which the insurer decides.
Worked example
Example only: basic salary AED 12,000 in the higher category with involuntary loss of job and at least 12 months of subscription indicates a benefit of 60 percent of average basic salary, capped by the scheme ceiling, for up to three months.
How this calculator works
Estimated monthly compensation = 60% of average basic salary over the six months before job loss, capped by the selected official ILOE category at AED 10,000 (A) or AED 20,000 (B), for up to three consecutive months. The tool also screens key published eligibility conditions but does not decide a claim.
Official Sources & Legal References
Official sources used for this page
This tool is maintained against the referenced authority. Rules can change, so check the source and the page review date before acting.
Common questions
Short answers for using this tool responsibly.
Do I qualify if I resigned?
No. The scheme covers involuntary loss of employment, not resignation. Confirm against the official source cited on this page before you act.
How long do I have to submit a claim?
Claims must be filed within the scheme window after termination, so check the ILOE portal date rules. Confirm against the official source cited on this page before you act.
How many months are paid?
Benefits are limited to a maximum number of months per claim and a lifetime cap. Confirm against the official source cited on this page before you act.
Do unpaid subscription premiums block a claim?
Yes, arrears or lapsed cover can invalidate eligibility. Confirm against the official source cited on this page before you act.