It covers 6 cases, most notably wages and end-of-service benefits

“Human Resources”: Employment insurance is mandatory for “high-risk” establishments.

“Human Resources” allows establishments to choose between more than one insurance pool.

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The Ministry of Human Resources and Emiratisation confirmed that the "low-cost insurance" system, which was included in the insurance system for the rights of workers registered with the ministry, instead of the "bank guarantee" system allocated to each worker, is mandatory for establishments classified as high-risk (within the inspection systems). in the Ministry), when issuing or renewing work permits for its workers and employees.

On the other hand, she explained that the rest of the establishments (among other classifications) may choose between continuing the bank guarantee system or moving to the worker insurance system and recovering the surplus of the bank guarantee, if any, or combining the two systems when renewing the work permit, pointing out that the guarantee ceiling has been cancelled. The banker on the employment, which was estimated at 3000 dirhams as a guarantee for each worker, since last June.

The ministry indicated that the development of the labor insurance system achieves the greatest benefit for both parties of the labor relationship to include insurance coverage for additional labor entitlements and more flexible requirements, especially to protect the worker from the repercussions of the employer’s refusal or inability to pay labor dues, with a total coverage of 20,000 dirhams as a limit. Maximum benefit for the beneficiary worker in the private sector, noting that establishments and employers may combine the banking and insurance systems against unemployment, because of the interest and protection of employees and workers, and the facility can choose between more than one insurance pool or an insurance company to cover its workers.

According to the ministry, the employment insurance system covers six cases, including “wages with a maximum of the last 120 days preceding the last working day of the worker in the facility, end-of-service gratuity, expenses for the worker’s return to his homeland, costs of transporting the worker’s body in case of death, costs related to injuries. Work diseases, travel tickets for workers who are absent from work (in the event that a report of interruption is registered and the worker is arrested during the insurance coverage period), in addition to any financial labor entitlements contained in Federal Decree-Law No. (33) of 2021 regarding the regulation of labor relations and its amendments and decisions issued to implement its provisions .

According to the ministry, the joint insurance complex with employers, is obligated to pay the insurance value to the worker when the employer refuses to pay according to an order issued by the Labor Enforcement Department in the competent court. Covered by the insurance policy.

She pointed out that the labor rights insurance system is mandatory for auxiliary service workers, whether for whom new work permits are issued, or whose permits are renewed, with a total coverage of a maximum of 20,000 dirhams for the benefit of the beneficiary worker in the auxiliary employment sector, so that the coverage includes wages with a limit The maximum wage for the last 120 days preceding the last working day of the worker in the facility, end-of-service gratuity, expenses for the worker’s return to his home country, costs of transporting the worker’s body in case of death, costs related to work injuries and diseases, travel tickets for workers who are out of work (in the event that the report of termination is recorded and seized) worker during the insurance coverage period).

Refund of recruitment fees

The Ministry of Human Resources and Emiratisation stated that the insurance system is available for the recruitment centers of auxiliary workers to protect them from losses resulting from the cases in which the center returns the recruitment fees to the head of the family, provided that the maximum coverage is 15,000 dirhams, as the center is covered for a range of risks, after Refunding the recruitment fees to the head of the family, according to the terms and conditions of the service center insurance policy, including “the case of the assistant worker being interrupted from work, the case of establishing the assistant worker’s physical fitness, the case of the assistant worker refusing to work for the employer, the lack of professional competence and good personal behavior of the worker.” the assistant".

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