Key takeaways
- The ILOE fine is AED 400 for not subscribing on time and AED 200 for premiums unpaid for more than three months (Cabinet Resolution No. 97 of 2022, Article 8).
- The fine is the worker's to pay and MOHRE collects it; employers must encourage and direct staff to subscribe and pay on time.
- Unpaid fines can be deducted from your salary through the Wages Protection System or from your end-of-service gratuity.
- You can't get a new work permit until your ILOE fines are paid (Ministerial Resolution No. 604 of 2022, Article 10).
- You can check and pay on MOHRE's website or app, and apply there to pay in installments or for a waiver.
ILOE insurance fine amounts and when each applies
ILOE (Involuntary Loss of Employment) insurance comes from Federal Decree-Law No. 13 of 2022. Cabinet Resolution No. 97 of 2022 sets the fines, and Ministerial Resolution No. 604 of 2022 adds deadlines and collection rules. The UAE Legislation portal lists no amendments to the decree-law or the Cabinet resolution.
| Situation | Fine | Who pays |
|---|---|---|
| Not subscribed by the deadline | AED 400 | The worker |
| Premiums unpaid for more than three months after the due date | AED 200, and the insurance certificate is canceled | The worker |
| Employer colludes with a worker to obtain ILOE benefits | AED 20,000 per case | The establishment |
The deadline. Fines for existing staff started on 1 October 2023 (Ministerial Resolution No. 340 of 2023). Anyone hired after 1 January 2023 must subscribe within four months of entering the UAE on a work entry permit, changing visa status, or getting a work permit approved where no status change is needed (Ministerial Resolution No. 604 of 2022, Article 11).
AED 200 or AED 400? The UAE government portal (updated 8 December 2025) lists AED 400 for unpaid premiums. The resolutions, MOHRE's 2023 announcement and the Dubai government portal (modified 3 February 2026) give AED 200. We follow the legal text; MOHRE's record shows what you owe.
What happens if an ILOE fine stays unpaid
MOHRE can collect fines unpaid after three months from the account that receives your salary through the Wages Protection System, from your end-of-service gratuity, or by another method it approves (Cabinet Resolution No. 97 of 2022, Article 8; Ministerial Resolution No. 604 of 2022, Article 9). You aren't eligible for a new work permit until your fines are paid (Article 10).
Paying the fine doesn't bring back a canceled policy. You must buy a new policy, which runs from the date you buy it, and pay any amounts still due (Cabinet Resolution No. 97 of 2022, Article 8). A claim needs at least 12 consecutive months of subscription (Decree-Law No. 13 of 2022, Article 5).
ILOE fine check online: the official channels
MOHRE collects ILOE fines, so check fines on MOHRE's channels; the ILOE portal covers your policy and premiums. MOHRE's scheme page also lists an ILOE Quick Pay FAQ.
| Channel | Use it to | What it asks for |
|---|---|---|
| MOHRE website or smart app | See and pay fines, ask for installments or a waiver | Your MOHRE log-in or ID details |
| Approved business service centers or Tawseel | Pay fines, ask for installments or a waiver | Your details; business service centers may add a charge |
| ILOE portal or app | Check your policy and premiums due | Sector, Emirates ID, mobile number and OTP |
| MOHRE call center (600590000) or chatbot | Track a payment or request | Your request details |
Enter your Emirates ID, UAE Pass details or OTP only on official MOHRE or ILOE channels. Never share a password or OTP with anyone, including us.
How to check and pay your ILOE fine
- 1. Check your policy. On the ILOE portal or app, choose your sector, enter your Emirates ID and mobile number, confirm the OTP and open View Policy Details.
- 2. Check MOHRE for fines. Log in to MOHRE's website or app, or ask at an approved business service center.
- 3. Confirm the fine. Is it the AED 400 subscription fine or the AED 200 unpaid-premium fine?
- 4. Pay it. Select the fine and pay. The 2022 procedures manual lists no fee online, up to AED 5 at business service centers, and one working day to process.
- 5. Fix the policy. If it was canceled, buy a new one and keep premiums current. Renew before your 1- or 2-year policy ends; MOHRE says to subscribe or renew to avoid the AED 400 penalty.
ILOE payment online. Premiums are AED 5 a month plus VAT for a basic salary of AED 16,000 or less, and AED 10 plus VAT above that, at the time of writing, payable monthly, quarterly, half-yearly or yearly. The ILOE site says its portal and app are free; other channels add a service charge.
Installments, waivers and grievances
Article 8 of Cabinet Resolution No. 97 of 2022 lets the Minister allow installments or waive fines. Under Ministerial Resolution No. 604 of 2022, you apply on MOHRE's website or app, at a business service center or through Tawseel, with any supporting documents. The manual gives 15 working days to process and states no grounds for a waiver.
MOHRE's grievance service lets employers and employees appeal ministry decisions within 30 working days of notification, via its website, app, call center or WhatsApp (600590000) or chatbot. The page doesn't name ILOE fines, so ask MOHRE which route fits.
Disputes about the policy itself, such as a rejected claim, go to the insurer and then the Central Bank of the UAE, under the ILOE policy terms.
Who is exempt, and how we help
Decree-Law No. 13 of 2022 excludes investors who own the establishment they work in, domestic workers, temporary contract workers, under-18s, and pensioners who have joined a new job; the government portal adds Emirati citizens who have met the retirement conditions. Our iloe insurance guide has the full rules.
Global Sky PRO isn't an insurer or MOHRE, and we can't see your government records. We help employers and employees keep insurance records and MOHRE paperwork in order through employee insurance support and hr and payroll services, working from documents you choose to share. See our mohre inquiry guide for other checks, or workplace complaint support for an employer dispute.
Sources
- UAE Legislation: Federal Decree-Law No. 13 of 2022 concerning unemployment insurance
- UAE Legislation: Cabinet Resolution No. 97 of 2022 on implementing the unemployment insurance scheme
- UAE government portal: Ministerial Resolution No. 604 of 2022 concerning the unemployment insurance scheme
- UAE government portal: unemployment insurance scheme
- MOHRE: over 6.6 million subscribe to the unemployment insurance scheme
- MOHRE: grievances raised by customers
- ILOE: frequently asked questions
Official sources checked on 13 November 2026. This guide explains published rules in plain English and is not legal or tax advice. Rules change; we check the current position for your case before you act.