In the UAE, the Involuntary Loss of Employment (ILOE) insurance provides a safety net for private and federal government workers who might face unexpected unemployment. This article offers a detailed overview on how to navigate the claim process, ensuring that eligible workers can effectively access their benefits under this insurance scheme.
Understanding ILOE Insurance
ILOE insurance is designed to support employees who lose their jobs without fault, such as in cases of redundancy or company closure, providing financial assistance during their period of unemployment. The insurance is managed by the Dubai Insurance Company and other members of an insurance pool, as stipulated in UAE government regulations.
Step-by-Step Guide to Filing an ILOE Claim
To file an ILOE claim, you can simply follow the steps given below:
Step 1: You can visit the official website of https://www.diniloe.ae/nsure/login/#/
Step 2: You can select the option “Submit your claim”.
Step 3: Sign in with an OTP by sending it to your registered mobile number.
Step 4: You can click “Click claim submission,” but before submitting a claim, you must cancel your work permit.
Step 5: Click “Proceed your claim process” to initiate the claim.
Step 6: Confirm the cancellation reason and date.
Step 7: You need to attach all the notes and supporting documents. (If the mentioned cancellation date and the reason are not correct, then you must add remarks explaining the reason why it is not accurate and upload the supporting documents)
Step 8: You can select the payment method as bank transfer. (The ILOE system has no control over verifying your IBAN details. So, make sure your IBAN is correct before submitting your claim.) You also need to confirm that Dubai Insurance will capture your bank details to use them for future purposes.
Step 9: Select your bank name and add your bank details, such as:
- IBAN
- Account number
- Account holder name
Step 10: Choose the name of the exchange. (You need a valid Emirates ID to collect your payment.)
Step 11: Now you can finally click “Submit claim”.
Step 12: Any updates regarding the claim will be forwarded to your registered email or mobile number. Or you can login and check on the “My claims” tab.
A few Important Things to Remember:
- Policy Limits: Payments are usually capped at a monthly amount based on your salary and can be paid for up to three months per claim. You can’t claim more than 12 months while working in the UAE.
- Continuous Coverage: If you’ve used up your maximum claim, you must subscribe again and keep paying premiums for 12 months before making another claim.
Eligibility Criteria for Claiming ILOE Insurance
To qualify for ILOE insurance benefits, an employee must meet several conditions:
- Continuous Subscription: The employee must have been subscribed to the scheme for at least twelve consecutive months without more than a three-month interruption.
- Compliance with Premium Payments: All premium payments must be up to date according to the agreed schedule.
- Involuntary Unemployment: The claim must arise from involuntary unemployment not related to disciplinary actions or resignation.
- Timely Claim Submission: Claims must be submitted within 30 days of employment termination.
Compensation Limits and Categories in ILOE Insurance
Maximum Compensation Limits: ILOE insurance provides financial assistance based on the insured’s average basic salary/wage before unemployment. The compensation is calculated as follows:
- Maximum Monthly Limit: The benefit is capped at 60% of the average basic salary/wage from the last six months preceding unemployment.
- Payment Duration: Compensation is provided for up to three months per claim, depending on the circumstances of unemployment.
Categories of Coverage:
- First Category: For employees with a basic salary of AED 16,000 or less, the maximum monthly compensation is AED 10,000.
- Second Category: For employees earning more than AED 16,000, the compensation can go up to AED 20,000 per month.
These structured limits and categories ensure that the support provided through ILOE insurance is proportional to the earnings and needs of the insured, facilitating a smoother transition during their period of unemployment.
Conclusion
Understanding how to claim your ILOE insurance in the UAE is crucial for making effective use of your employment benefits. By following the specified procedures and ensuring compliance with all policy terms, eligible workers can secure necessary financial support during periods of unemployment. For further assistance, the administrators at Dubai Insurance Company are available to guide you through the process or address any inquiries.
For more detailed information and assistance, employees can reach out directly to the ILOE help desk via email at ILOEHELP@ILOE.AE or visit the official Dubai Insurance Company website.
