حاسبة تأمين التعطل عن العمل في الإمارات: القسط الشهري والتعويض 60% لمدة 3 أشهر
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 17 Oct 2026.تأمين التعطل عن العمل, the UAE job-loss insurance, costs AED 5 a month on a basic salary up to AED 16,000 and AED 10 above it. After 12 months of cover, a worker whose job is ended by the employer gets 60% of the basic salary for up to 3 months, capped at AED 10,000 or AED 20,000 a month. On AED 12,000 that is AED 7,200 a month.
2026 · Rates and rules read from The Official Portal of the UAE Government: Insurance against job loss on 17 Oct 2026; they may have changed since.
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This calculator works out the premium and the compensation of the UAE's Unemployment Insurance Scheme, also called Involuntary Loss of Employment (ILOE), from the rules on the UAE Government portal. The scheme was set up by Federal Decree-Law No. 13 of 2022 and covers employees in the private sector and the federal government.
The payout. An eligible worker gets 60% of the subscription salary, the basic salary, for up to 3 months. The first category is capped at AED 10,000 a month and the second at AED 20,000, so the cap only bites above a basic salary of about AED 33,333.
A worked example. A basic salary of AED 12,000 is in the first category: AED 5 a month in premium. After 18 months of cover, a worker whose employer ends the job gets 60% × 12,000 = AED 7,200 a month, AED 21,600 over 3 months.
The rest of the article, and all 6 questions about UAE Unemployment Insurance (ILOE) Calculator, are on the UAE Unemployment Insurance (ILOE) Calculator page.
No more than AED 5 a month for a basic salary under AED 16,000, the first category, and no more than AED 10 a month above AED 16,000, the second category. Over a year that is AED 60 or AED 120. Workers paid only by commission may choose either category.
Sixty per cent of your basic salary for up to 3 months, capped at AED 10,000 a month in the first category and AED 20,000 in the second. A basic salary of AED 12,000 gives AED 7,200 a month, or AED 21,600 over the 3 months.
No. The scheme pays only when the insured person proves the job ended for reasons other than resignation, and a dismissal for disciplinary reasons under the labour law is excluded as well. A job ended by the employer, after 12 months of cover, qualifies.
A worker who does not subscribe to the scheme is fined AED 400, and a worker who subscribes but does not pay the premiums is also fined AED 400. Subscription is compulsory for employees in the private sector and the federal government, with a few listed exceptions.
Rates and rules change; check the source before you rely on a figure.
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