60% Of Average Basic Salary
Monthly compensation is based on 60% of average basic salary over the six months preceding the loss of employment, subject to the applicable policy conditions and maximum benefit.
UAE Employment · ILOE Scheme
UAE Unemployment Insurance Benefit Estimator in AED
Use this UAE Unemployment Insurance Benefit Estimator to calculate an indicative monthly payment after involuntary job loss. Enter your last six months of basic salary, choose your insurance category and review key eligibility checks before you prepare an official claim.
Free Estimate · UAE Dirhams · Six-Month Salary Average · Official Claim Required
MONTHLY BENEFIT OVERVIEWAED · Example
Example Monthly Compensation
AED 6,000
Illustration: AED 10,000 Average Basic Salary
Calculation Rate60%
Maximum Per Claim3 Months
◇ UAE ILOE Scheme
✓ Six Salary Inputs
↗ Benefit Caps Applied
▣ Mobile Friendly
Calculate An Indicative Payment
UAE Unemployment Insurance Benefit Estimator Calculator
The estimator applies the published ILOE calculation method: 60% of the average basic salary for the six months before job loss, subject to the monthly cap for the selected category. Eligibility answers help you identify important conditions, but only the insurer can determine whether a claim qualifies.
Enter basic salary from your employment records for the six months immediately before job loss. Do not substitute total package, allowances, commissions or take-home pay unless your policy and contract treat those amounts as basic salary. Choose your actual certificate category.
Estimated Monthly Compensation
AED 6,000.00
Illustrative amount before official insurer review.
Six-Month Average Basic SalaryAED 10,000.00
60% Calculation Before CapAED 6,000.00
Selected Category Monthly CapAED 10,000.00
Potential Three-Month TotalAED 18,000.00
Basic Eligibility ScreenReview Required
This is a hypothetical estimate, not confirmation of entitlement. The insurer checks policy records, claim documents and all applicable conditions.
Use the official ILOE service before making decisions.
The official ILOE compensation calculator includes additional claim questions and is the better place to check your circumstances. This independent estimator is for planning and understanding the formula.
Understand The Calculation
How UAE Unemployment Insurance Benefits Are Calculated
The ILOE scheme is designed to provide temporary financial support to covered employees who involuntarily lose their jobs. The UAE Unemployment Insurance Benefit Estimator follows the main published salary calculation and applies the benefit cap associated with the certificate category you select.
Category-Based Monthly Cap
Category A has a maximum monthly compensation of AED 10,000. Category B has a maximum monthly compensation of AED 20,000. Your actual certificate category matters.
Up To Three Months Per Claim
Each eligible claim can receive compensation for up to three consecutive months. Payment may stop earlier if eligibility ends or you find a new job.
The Basic Formula
Step 1 — Calculate the average: Add the six monthly basic salaries and divide the sum by six.
Step 2 — Calculate 60%: Multiply the average basic salary by 0.60.
Step 3 — Apply the cap: Compare the result with the selected category's monthly limit. The lower amount is the maximum monthly estimate from this formula.
Step 4 — Estimate the maximum claim: Multiply the estimated monthly amount by three to show a potential full three-month amount, provided the claim is approved and eligibility continues throughout the period.
| Certificate Category | Basic Salary Classification | Monthly Benefit Cap | Maximum For Three Months |
|---|---|---|---|
| Category A | Basic salary of AED 16,000 or below | AED 10,000 | AED 30,000 |
| Category B | Basic salary above AED 16,000 | AED 20,000 | AED 60,000 |
These figures are the scheme's published maximum limits, not guaranteed payments. The category used in the calculator should match the insurance certificate and official policy record. Do not choose a category solely to obtain a higher result.
Worked Examples
Example UAE Unemployment Insurance Benefit Estimator Results
The following examples demonstrate the calculation before the insurer's eligibility review. They assume all six months have the same basic salary and that the selected category is correct.
| Average Monthly Basic Salary | 60% Of Average | Category Assumed | Estimated Monthly Benefit | Potential Three-Month Total |
|---|---|---|---|---|
| AED 8,000 | AED 4,800 | A | AED 4,800 | AED 14,400 |
| AED 16,000 | AED 9,600 | A | AED 9,600 | AED 28,800 |
| AED 20,000 | AED 12,000 | B | AED 12,000 | AED 36,000 |
| AED 35,000 | AED 21,000 | B | AED 20,000 | AED 60,000 |
| AED 50,000 | AED 30,000 | B | AED 20,000 | AED 60,000 |
Example: AED 8,000 Basic Salary
If all six monthly basic salary figures are AED 8,000, the average is AED 8,000. Multiplying by 60% gives AED 4,800. Because this is below the Category A cap of AED 10,000, the formula estimate remains AED 4,800 per month.
If all eligibility conditions are met and compensation is paid for the full period, the illustrative three-month total would be AED 14,400.
Example: AED 35,000 Basic Salary
If the six-month average is AED 35,000, 60% equals AED 21,000. Under Category B, the monthly cap reduces the formula result to AED 20,000.
The potential three-month maximum would therefore be AED 60,000. This example does not mean every employee with that salary will qualify for the full amount.
Before You Submit A Claim
Important ILOE Eligibility Conditions
A salary calculation alone does not establish eligibility. The insurer reviews subscription history, payment status, the reason employment ended, timing and other requirements in the policy and applicable regulations.
Meet The Subscription Period
The scheme generally requires at least 12 consecutive months of subscription before a qualifying job loss. Policy wording governs any interruption rules and other details.
Check The Reason For Job Loss
Compensation is intended for qualifying involuntary job loss, not resignation or dismissal for disciplinary reasons. The insurer assesses the actual circumstances and records.
Submit The Claim On Time
The published scheme guidance says a claim must be submitted within 30 days from the end of employment or the resolution of a labour dispute, as applicable.
Other Conditions To Review
- Insurance premiums must have been paid according to the selected payment schedule.
- The insured person must meet applicable UAE presence and legal-status requirements.
- An ongoing work-absence complaint can affect eligibility.
- Fraud, a fictitious employer, or job loss resulting from strikes or non-peaceful protests can affect a claim under the scheme rules.
- Some categories of workers are excluded from the scheme.
- Compensation may stop if the insured person starts a new job during the benefit period.
Who May Be Exempt?
Official guidance lists certain excluded groups, including investors who own the establishment they work for, domestic workers, employees on temporary contracts, people under 18 and specified retirees who receive a pension and have joined a new job.
Eligibility can depend on the exact employment arrangement and applicable rules. If your situation is unusual, check directly with the ILOE provider or the relevant UAE authority rather than relying on this simplified list.
Check the official conditions: Read the UAE Government's unemployment insurance guidance and the official ILOE website for policy documents, claim channels and current instructions.
Practical Steps
How To Use The UAE Unemployment Insurance Benefit Estimator
Follow these steps to produce a useful planning figure and identify the details you may need to confirm before submitting a claim.
1. Gather Your Salary Records
Find your employment contract, payslips and relevant salary records for the six months before the employment relationship ended. Enter the basic salary for each month separately. If your salary changed during this period, the six separate inputs help calculate an average rather than assuming your last salary applied to every month.
2. Select Your Actual Insurance Category
Check your ILOE insurance certificate or account and choose Category A or Category B as recorded. The broad salary bands are useful context, but the certificate and insurer's records should be used to confirm your coverage. A calculator cannot correct a registration error or determine whether your policy is active.
3. Answer The Screening Questions Honestly
Indicate whether the job loss resulted from involuntary termination, whether you completed the required subscription period and whether your premiums are paid. The additional questions help flag possible issues, but they are not a substitute for the complete official eligibility assessment.
4. Review The Monthly And Three-Month Figures
The monthly result is the estimated amount before official approval. The three-month result assumes payment for the full maximum duration. It is not a promise that all three instalments will be paid. The insurer may determine that a claimant is not eligible or that compensation should end earlier.
5. Submit Through An Official Channel
Use the official ILOE portal or application and follow the current claim procedure. Keep copies of relevant employment documents, salary information, insurance details and claim correspondence. If there is a dispute over the reason employment ended or the deadline, seek guidance from the insurer or relevant authority promptly.
Get A More Useful Estimate
Common Calculation Mistakes To Avoid
The UAE Unemployment Insurance Benefit Estimator works best when the inputs match the insurance record. These common mistakes can produce misleading expectations about the amount or availability of compensation.
Entering Total Package Salary
The scheme formula refers to average basic salary, not automatically the full package. Do not add housing, transport or other allowances unless the official policy confirms they form part of the relevant basic wage.
Using Only The Last Payslip
The calculation uses the six-month average before job loss. If your basic salary changed, entering the same final figure for all six months can overstate or understate the result.
Ignoring The Monthly Cap
Sixty per cent of salary may exceed the limit for the selected category. The benefit cap still applies, even when the uncapped percentage calculation is higher.
Assuming Three Months Are Guaranteed
Three months is the maximum duration per claim under the scheme, not an automatic payment. Approval, continuing eligibility and the policy terms affect the final amount.
Missing The Claim Deadline
Official guidance specifies a 30-day claim window in the applicable circumstances. Confirm how the deadline applies to your case and act quickly if a labour dispute is involved.
Assuming Every Worker Is Covered
Some categories are exempt, and the reason employment ended matters. Confirm your scheme membership and coverage instead of relying on salary figures alone.
Financial Planning After Job Loss
Plan Your Budget Around A Possible ILOE Payment
An estimated insurance benefit can help you prepare a short-term budget, but it should not be treated as replacement income that is certain to arrive. Keep your plan conservative until the insurer confirms the claim and payment schedule.
Calculate Your Essential Monthly Costs
List rent, food, utilities, transport, school fees, debt repayments and insurance commitments. Compare essential costs with the possible benefit and any emergency savings you can access. Separate necessary spending from discretionary purchases so you can identify the most urgent budget adjustments.
Remember that the ILOE benefit is temporary and capped. If your essential expenses are higher than the potential payment, consider how you would cover the difference without relying on a claim that has not yet been approved.
Keep Records And Confirm Payment Details
Maintain copies of the insurance certificate, salary records, termination documents and claim confirmation. Use official channels to check whether the insurer needs more information. Do not share passwords, one-time codes or sensitive account credentials with anyone claiming they can guarantee a payment.
Once you receive a decision, update your budget to match the approved amount and expected payment period. If you return to work, check how that affects ongoing compensation under your policy.
Compare Related UAE Employment Calculations
For broader pay planning, you can also explore our UAE Basic Salary Percentage Calculator, UAE Final Settlement Calculator and UAE Overtime Pay Calculator. These are separate calculations and do not determine ILOE eligibility.
Frequently Asked Questions
UAE Unemployment Insurance Benefit Estimator FAQs
These answers explain the main calculation and common eligibility questions. For a decision about your own claim, rely on the current policy and the official ILOE provider.
How much unemployment insurance can I receive in the UAE?
The published scheme calculates monthly compensation at 60% of the average basic salary for the six months before job loss. Category A is capped at AED 10,000 per month and Category B at AED 20,000 per month, for up to three consecutive months per claim, subject to eligibility.
What salary should I enter in the estimator?
Enter the basic salary for each of the six months immediately before employment ended, using the salary basis specified by your employment and insurance records. Do not automatically use gross package pay or take-home salary.
Is the ILOE benefit equal to 60% of my full salary?
No. The formula is based on average basic salary for the specified six-month period and remains subject to the applicable category cap. Allowances and other components are not automatically included as basic salary.
Can I receive compensation for three months?
Three consecutive months is the maximum duration per claim. Payment depends on approval and continued eligibility, and compensation may stop earlier in circumstances specified by the policy, including when the insured person finds a new job.
How long must I have subscribed before claiming?
The scheme generally requires at least 12 consecutive months of subscription before qualifying job loss. The applicable policy also addresses subscription interruptions, premium payment and other conditions. Confirm your account history with the insurer.
What is the deadline to submit an ILOE claim?
Official UAE guidance says to submit the claim within 30 days from the end of the employment relationship or the resolution of a labour dispute, as applicable. Check the current instructions for your specific circumstances and do not delay.
Can I claim if I resigned from my job?
The scheme is intended to cover qualifying involuntary job loss and excludes resignation under its published conditions. If the reason employment ended is disputed or unusual, ask the insurer or relevant authority how the rules apply.
Does the estimator guarantee that I will receive payment?
No. It calculates a hypothetical amount from the information entered. It cannot verify your policy, salary records, claim timing or legal eligibility. The insurer decides a real claim using official records, submitted evidence and policy terms.
What if my basic salary changed during the last six months?
Enter the actual basic salary for each month. The estimator adds the six values and divides by six before applying the 60% rate and monthly cap. Verify that your figures match the salary basis recorded for the policy.
Are all UAE employees covered by ILOE?
The scheme covers eligible employees in relevant private-sector and federal-government employment arrangements, but specified categories are exempt. Check the official scheme guidance to confirm whether your employment type is covered.
What happens if my claim is submitted after 30 days?
A late claim may not satisfy the published deadline. Because the relevant date can depend on employment termination or resolution of a labour dispute, contact the insurer promptly for guidance rather than assuming an exception applies.
Where can I check my official benefit amount?
Use the official ILOE calculator and review your insurance certificate and policy. The provider's assessment and decision, not this independent tool, determine the payment for an actual claim.
Estimate · Verify · Prepare
Make A More Informed Job-Loss Plan
The UAE Unemployment Insurance Benefit Estimator can help you understand the basic salary formula and category limits. Use the result as a starting point, verify the current ILOE requirements and submit your claim through an official channel.
Disclaimer: This page provides general information and a hypothetical calculation, not legal, insurance or financial advice. Scheme rules and policy terms may change. Confirm your personal entitlement directly with the official provider.