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Protecting your finances is important in time for uncertainty in life. Involuntary loss of employment or ILOE or unemployment insurance can help you unexpectedly lose your job. In the UAE, the ILOE quick pay insurance scheme was introduced as a social safety measure for the workers of UAE. The ILOE scheme supports the employees who lost their job due to reasons beyond their control. Missing payments or deadlines of insurance will result in heavy fines and problems. Therefore, don’t let the financial worries add to your stress.
If you fail to meet the deadlines of ILOE payment, you can get a fine of AED 200 to AED 400. It can also lead to more problems such as salary deduction or work permit suspension. The Ministry of Human Resources and Emiratisation ( MoHRE) requested the workers to pay their fine immediately.
Therefore, understanding how to check and pay the ILOE insurance is important for everyone.
This guide will help you understand the ILOE fines and how to check and pay them online with alternative methods.
ILOE Initiative for Employee Protection
The ILOE scheme was introduced on 1st January 2023. It protects the workers of the UAE by providing social protection against involuntary job loss. The main purpose is to provide financial support to unfairly laid-off workers in the circumstances beyond their control.
The workers have to contribute to ILOE insurance funds so they can be eligible for the compensation. The monthly contribution ranges from 5 AED to 10 AED depending on the salary of the employee.
How does ILOE Quick Pay Offer Financial Help to the Employees?
The participants are eligible for compensation equivalent to 60% of their basic salary after 1 year of consistent subscription. The compensation is available for 3 months. Initial assistance offers great relief to the burden of unemployment. It provides a level of security and stability to the workers in UAE.
According to the statistical analysis of MoHRE, it has been reported that more than 6.6 million workers are enrolled in the ILOE job loss insurance program. This participation under scheme and help great relief in with financial security across various industries in UAE
How to Check and Pay ILOE Fines?
If you are a member of ILOE scheme and you want to check and settle your fine. You can do it by the Ministry of Human Resources and Emiratisation website or application.
Follow these steps to check and pay your ILOE insurance points in UAE
- Download the apps available for both Android and Apple devices login to your
- Account by using UAE pas including National digital identity of UAE residents visited or citizen
- Choose the employee option
- Enter your labor card number
- If you don’t have labor card number, the app have convenient way to retrieve it Website
- Go to the homepage and tap on ILOE quick pay service
- Choose one of the following options:
- Record number
- Unified number
- Emirates ID number
- Personal code number
- Provide the information to your selected option and click on search
- Check and pay your ILOE file subscribers with timely payment to get a clean record.
However if any fine is existing pay online with the help of debit or credit card or in installments. Full payment, MOHRE takes only one working day to proceed to ensure a quick resolution for your fine.
Check your ILOE fine MOHRE UAE App
Accessing fine has never been so easy as with the Mohra UAE app. Follow The below steps
- Install the Mohra UAE app on your smartphone
- Sign in a login by using your UAE pass credentials
- Navigate to the app
- Find the ILOE quick pay option on the home screen
- Tap on the icon to proceed
- Type your card number or case code link to your ILOE insurance. The step steps ensure that the system retrieve the relevant information
- Click on the search icon to initiate the process and the app will display the fine associated with your ILOE status.
Other ways to pay ILOE fines in UAE
Along with the traditional subscription methods for ILOE insurance, there are many other alternatives to accommodate different preferences and accessibility. Some of the Other method to check and pay your ILOE fine are:
Al Ansari Exchange: Al Ansari Exchange is one of the convenient channels to check and pay for ILOE subscriptions. It is a dependable alternative to all the people who want insurance cover which is timely.
Dubai Islamic bank and Mashreq Bank: Dubai Islamic bank and Mashreq Bank are another way for ILOC subscription services. These Bank services are complementary with insurance provisions in UAE.
Upay and MBME Pay Kiosk: Upay and MBME Pay Kiosk offer self- service for the ILOE subscription. It allows the people to subscribe, check and pay their insurance coverage at their own pace.
MOHRE TASHEEL and TAWJEEH Centers: MOHRE TASHEEL and TAWJEEH Centers are managed by the Ministry of Human Resources and Emiratisation. These centers provide great assistant for ILOE subscription to the individual who want in person registration
C3 Pay: C3 pAY is another electronic payment platform to subscribe to ILOE insurance services. IT joins the long list of digital options for the users.
Etisalat Botim: Etisalat Botim service allows the subscribers for ILOE insurance making them accessible for the customers.
ILOE Compensation Plan for the Employees
The ILOE insurance plan in UAE aims to provide great security to various salary brackets. It ensures great compensation for unexpected job loss.
Plan for salaries below AED 16,000
If your monthly salary is below AED 1600, you fall in the category A. The contribution for category A is 5 AED plus VAT per month. That means the employee has to submit AED 63 AED annually. In return, the employee is eligible to get a compensation of 10,000 AED per month in the case of job loss.
Category A
- Basic salary AED 16000 or below
- 5 AED+VAT/month
- Up to 10000 AED per month
- Up to 3 months /claim
Salaries above AED 16000
The employees earning over 16000 AED placed in category B. The monthly contribution is 10 AED plus VAT. 128 AED annually is the total contribution for category B. It allows the subscriber to access more compensation benefits reaching up to 20,000 AED per month during the unemployment period.
Category B
- Basic salary above AED 16000
- 10 AED+VAT/month
- Up to 20000 AED per month
- Up to 3 months /claim
Policyholders can choose between 1 or 2 year period policy. The benefits are for three consecutive months. The total claim payments are limited to a maximum of 1 year over an individual’s working life in UAE.
However, adhering to your payment schedule is important to avoid policy cancellation and penalties. By maintaining a clean employment record, you will be eligible for the benefits.
Who is Not Eligible for ILOE Insurance in UAE?
Keep in mind that not everyone is eligible to get money when they lose their job in UAE. Some people don’t have to pay for unemployment insurance because they will not get money.
- Helpers at home
- Temporary workers
- People with pension
- Young workers
- Bosses and Owners
Conclusion
Your financial stability is important in uncertain times. For this purpose, the ILOE scheme in UAE offers an upgrade solution to protect the finances. The Ministry of Human Resources and Emiratisation simplify the process of verification, compensating and receiving benefits. It ensure a smooth experience. Get a chance to embrace the benefits of ILOE to navigate unexpected job loss for your financial stability.
