How Many People Have Claimed Job Loss Insurance in the UAE? Insights and Trends

How Many Claims of ILOE Insurance in UAE?

The latest claims statistics for job loss insurance in the UAE show three clear trends: growing enrolment, increasing compensation, and wider use of the scheme by eligible workers.

ILOE has reached millions of workers

The scheme has seen substantial enrollment since its launch in January 2023. By December 2025, around 88.38% of the targeted private-sector workforce was covered, with 17,758 workers having received compensation. By the end of 2025, overall enrolment across the targeted workforce was reported at approximately 90%.

Earlier figures also show how quickly the scheme expanded. MoHRE reported more than 6.8 million workers enrolled within the first year, while compensation had exceeded AED 180 million.

Compensation has increased significantly

The value of payouts has grown as more workers have completed the required qualifying period and become eligible to claim.

Period Key ILOE figure End of 2024 May 2025 December 2025 First half of 2026

Important: These figures are reported at different points in time. The AED 512 million figure should not be treated as the payout to 17,758 workers alone because it covers a later period. They show the cumulative growth in compensation, rather than separate annual claim totals.

Why Are ILOE Job Loss Insurance Claims Rising?

The increase in ILOE compensation is closely linked to the way the scheme works.

Employees must generally complete a 12-month continuous subscription period before they become eligible to claim. This created a natural delay between the scheme’s January 2023 launch and the first large pool of eligible claimants.

Once more workers crossed that threshold, the number and value of payouts increased.

The scheme also provides a relatively low-cost safety net:

• Category A: AED 5 + VAT per month
• Category B: AED 10 + VAT per month
• Compensation: Up to 60% of average basic salary
• Maximum benefit: AED 10,000/month for Category A
• Maximum benefit: AED 20,000/month for Category B
• Maximum payment: 3 consecutive months per claim

These rules are confirmed by the UAE Government and ILOE.

How Much Does ILOE Pay to Workers Who Lose Their Jobs?

ILOE compensation is based on 60% of the average basic salary during the six months before unemployment, subject to the applicable category limit.

For example, if an employee’s average basic salary is AED 12,000:

60% × AED 12,000 = AED 7,200 per month

If the employee remains eligible for the full three-month period, the potential compensation would be:

AED 7,200 × 3 = AED 21,600

The actual amount depends on the employee’s records and eligibility. The official ILOE calculator also states that its result is only an estimate. The actual entitlement is determined using official records and supporting documents.

ILOE Job Loss Insurance Trends: What Could Happen Next?

The analysis of job loss insurance claim trends points to a scheme that is becoming increasingly established in the UAE labour market.

Three trends are particularly important.

Wider participation

With approximately 90% of the targeted workforce enrolled by the end of 2025, ILOE has achieved broad adoption.

Higher cumulative payouts

Compensation increased from more than AED 114 million by the end of 2024 to more than AED 512 million by the first half of 2026.

Greater importance of financial preparedness

As workers become more familiar with ILOE, understanding the limits of the scheme becomes as important as knowing that the insurance exists.

What Do the Latest Job Loss Insurance Claims in the UAE Tell Us?

The latest data gives a clearer picture of how ILOE is being used.

The number of job loss insurance claims UAE in 2026 cannot be confirmed from the latest publicly available beneficiary data. However, the increase in cumulative compensation to more than AED 512 million by the first half of 2026 shows that payouts have continued to grow.

This is important because the number of enrolled workers and the number of workers who receive compensation are two different measures. An employee may be enrolled in ILOE but never make a claim, while another may claim after meeting all eligibility conditions.

For this reason, job loss insurance claims UAE data should be looked at alongside enrolment and compensation figures rather than in isolation.

FAQs for Job Loss Insurance Claims UAE