UAE Unemployment Insurance Scheme: How To Apply Before Deadline

UAE Unemployment Insurance Scheme: How To Apply Before Deadline

The MoHRE's deadline for qualified workers to enroll in the unemployment insurance program is soon approaching.

The deadline for imposing fines on employees who have not joined the nation's required unemployment insurance program has been extended by the Ministry of Human Resources and Emiratization (MoHRE). In order to avoid a Dhs400 fee, eligible employees now have until October 1 to register.

Why should you register?

Any employee who is terminated from their position for whatever reason (other than for disciplinary action or resignation) is entitled to a maximum three-month financial settlement.

The subscription costs are based on the worker's base pay. If your basic pay is Dhs16,000 or less, you fall into the first category; your subscription price is AED5 per month (or Dhs60 annually). If your basic salary is Dhs16,000 or more, you fall into the second category; your subscription charge is Dhs10 per month (or Dhs120 annually).

The maximum monthly financial compensation for the second category is Dhs20,000, whereas the first category is only eligible for payments of up to Dhs10,000.

Payment options for the insurance premiums include monthly, quarterly, every six months, or annually. The insurance benefit is determined at a rate equal to 60 percent of the employee's base pay for the most recent six months prior to becoming unemployed.

Who can register?

All UAE employees working for the federal government and the commercial sector must abide by the terms and conditions of the new law.

Who cannot register?

Only employees are required to participate in the unemployment insurance program. Employers are not obligated to pay any contributions to the insurance plan or to register their employees in the plan.

The scheme applies to all workers in the private and federal sectors except:

  1. Investors and business owners who own and run their companies themselves
  2. Domestic workers, the program is applicable to all employees in the private and public sectors.
  3. Temporary staff members
  4. Young people younger than 18
  5. Retirees who have joined a new company and earn a pension

What happens if an employee fails to register?

Fines will be assessed if an employee doesn't register by the necessary deadline. The employee will be charged a $400 upfront fine. The insurance certificate will be revoked and a fine of Dhs200 will be imposed if an employee who has registered for the program fails to pay the insurance premiums according to the payment schedules for more than three months.

How to register?

1. The insurance pool’s website can be accessed at and its smart mobile application available for both Android and Apple users

2. Bank ATMs and kiosk machines

3. Business service centres

4. Money exchange company outlets such as Al Ansari and Lulu Exchange

5. du and Etisalat channels (to be rolled out soon)

6. Via SMS

Watch the video by the UAE government on the benefits of the unemployment insurance scheme:

News Source: Gulf Business

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