Refund the compensation value in the event of "manipulation" to obtain it
Concealing the cause of unemployment... The employee loses the right to "insurance"
The worker must provide a copy of the court ruling in the event of a labor lawsuit.
From the source
The document of participation in the “Unemployment Insurance System”, which is mandatory for workers and employees working in the federal and private government sectors, warns against any distortion or manipulation of the reasons for the termination of the contractual relationship with employers in order to benefit from insurance, stressing that “concealment of the insured worker The real reasons for unemployment forfeit his right to obtain the legally prescribed insurance benefit, while the insurance company has the right to recover the value of compensation or any amounts paid to the insured worker in the event that any fraud is proven or that he was not qualified to collect it.
In detail, thousands of workers and employees of the federal and private government sectors continue, daily, to submit applications for compulsory participation in the unemployment insurance system, with the nine insurance companies led by the Dubai Insurance Company, to benefit from the insurance coverage provided by this system to compensate the insured worker with a cash amount. For a period of three months, in the event that he is unemployed due to the termination of his service with his employer, in exchange for a subscription value that is collected from the worker on a monthly basis during his work period.
The unemployment insurance system, which came into effect at the beginning of the current year, allows the worker whose service with the employer was terminated for reasons against his will, to compensate from the date of unemployment, and the compensation is on a monthly basis at 60% of the contribution salary (basic salary) and for a period of time. Three months from the date of unemployment, which is the maximum period for compensation for each claim.
According to the unemployment insurance document, of which Emirates Today obtained a copy, the insured worker in this system must take a number of procedures that enable him to claim unemployment compensation, most notably, filling out the claim form and submitting it to The administrative official within 30 days from the date of termination of the work relationship, through the channels approved by the Ministry of Human Resources and Emiratisation, with the attachment of supporting documents (dismissal form including the date and cause of unemployment).The worker must also undertake to provide a copy of the final judicial ruling in the event of a labor lawsuit between the worker and the employer, and any supporting documents in agreement with the Ministry, noting that the Dubai Insurance Company, on behalf of the insurance companies that are members of the insurance pool, pays the claim to the worker on time. It does not exceed two weeks from the date of receiving the application according to the documents that comply with the established eligibility criteria, provided that the insurer transfers the compensation amount to the account of the insured as determined by the insured.
The value of participation in the unemployment insurance system is determined according to the basic salary of the worker. If the worker receives a basic salary that does not exceed 16 thousand dirhams, then his insurance premium is determined at five dirhams per month (60 dirhams annually), while if the basic salary exceeds 16 thousand dirhams, The insurance premium is set at 10 dirhams per month (120 dirhams annually), and the employee can choose the periodicity of paying the insurance premium either annually, semi-annually, quarterly, or monthly.
The document excluded in the terms of the “General Conditions” the compensation of the covered worker in the event that the worker concealed or misrepresented any material fact or circumstance related to the event of the termination of the labor relationship by dismissal or proves the worker’s responsibility to terminate the relationship when this is proven by court, with the right of the insurer to cancel the insurance certificate in this case.
It stated that if the worker is not qualified to collect the claim amount and compensation has already been paid to him, then the Dubai Insurance Company has the right, on behalf of the insurance companies that are members of the insurance pool, to recover from the worker the full amount paid that he was not eligible to collect, as this condition is subject to the Civil Transactions Law. In the United Arab Emirates, which stipulates that “if there is no fraud or bad faith, then the insurer must, when requesting annulment, return to the insured the premiums that he paid or refund the amount for which he did not bear any risk.”
Collection channels
Dubai Insurance Company, which represents the insurance pool responsible for providing unemployment insurance services, has announced the provision of seven channels to collect the value of contributions for the unemployment insurance system, with a nominal amount in the system, and according to easy mechanisms and procedures.
They include the seven collection channels, the website of the insurance pool https://www.iloe.ae, the smart application of the insurance pool iloe, kiosk self-service machines, businessmen service centers, in addition to Al Ansari Exchange, and smart phone applications for banks and banks in the country, and finally within Telecom bills.
5 exceptions
The Cabinet’s decision regarding the mechanisms and controls for implementing the unemployment insurance system confirmed that the system includes all workers in the private and federal government sectors in the country, with the exception of five categories, which include:
Investor (employer who works in his facility) auxiliary workers, workers with a temporary contract, minors under 18 years of age, retirees who receive a retirement pension and have joined a new job.
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