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Help Help Help - JSA

spritey Avatar
6y, 11m agoPosted 6 years, 11 months ago
My wife has been refused contribution based job seekers allowance.. We can't get income based as my salary is far to high.

They say she hasn't made enough NI contributions between 2007-2008 to qualify.

I've been looking online and something called Lower Earnings Limit (LEL) is the main indicator..

Couple of places seem to think providing you've earn between £5200-5800 or above for the year in total, you should get it.. Well my wife definitely earned that and some beyond. Because she got a job straight out of University.

We are going to appeal the decision but i could use some facts, like how much she would of had to earnt total for the year (Before tax or any deductions) to be eligable for JSA.

Thanks
spritey Avatar
6y, 11m agoPosted 6 years, 11 months ago
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#1
Regardless of what she earned ......your married and now have a JOINT income .......and as you've stated your 'salary is far too high'....... so doubt she'll get anything. :?

All info is here :

http://www.jobcentreplus.gov.uk/JCP/Customers/WorkingAgeBenefits/Jobseekerallowance/index.html
banned#2
You're far too responsible to qualify for benefits.

Get divorced, have some kids you can't afford and lie a bit.
#3
Mecoconuts
Regardless of what she earned ......your married and now have a JOINT income .......and as you've stated your 'salary is far too high'....... so doubt she'll get anything. :?

All info is here :

http://www.jobcentreplus.gov.uk/JCP/Customers/WorkingAgeBenefits/Jobseekerallowance/index.html


Contribution based JSA is given out regardless of you being married, it isn't income assessed.

It’s simply assessed on how much NI you have paid personally over a certain period of time, so far the information i’ve read seems to indicate she has indeed made enough contributions.

I just want some firm information on the exactly total income for the year which will mean qualification for it, so she can quote that figure when asking it to be reconsidered. It seemed to be quite a common occurrence for people who have moved jobs half way through the tax year.

Income based JSA however would assess my income, which would mean we don’t qualify.

Each is based on different criteria.
#4
spritey
Contribution based JSA is given out regardless of you being married, it isn't income assessed.

.


but that's only for 6 months after losing your job isn't ? after that it turns into an income based allowence

that's my understanding of it

do you get family credit/ child tax credit by the way?
#5
hassony
but that's only for 6 months after losing your job isn't ? after that it turns into an income based allowence

that's my understanding of it

do you get family credit/ child tax credit by the way?


You can get it for 182 days, then it’ll goto income based. Tbh she’ll probably secure a job in 3 months, last two interviews she’s had for a teaching position have been so close, with great feedback. But tbh if you’re entitled to it, may aswell claim it.

My wife was on statutory maternity allowance upto a couple of weeks ago, so straight onto JSA after that.

We got some sort of credit thing; i don’t know what it is though. Wife sorts all that out, i do know that my salary puts us out of range of everything though.
#6
For 2007-2008 the LEL was £84-£87. Contributions based JSA needs you to have paid 2 years CONTINUOUS NICs (national insurance contributions. If your OH worked part time and did not earn enough or spent some time in this period out of work then she will not have made satisfactory contributions.

I must stress this needs to be full tax years of contributions. Also the amount that she was paid over the period varies the amount that she would be entitled to, and even if she can get something it would only be for 6 months. I have dealt with people going from JSA to Pension credit, some only get £15 a week (cont based).

Has she been told that even if she can get no money that she can still get her NI contributions paid, which I know is not a great help to you bug in the long run it will matter when claiming State Pension. Also so you have children? If so you will be able to make a claim for housing benefit.

I worked for the DWP until very recently so not just BS I am feeding you here.
#7
My wife was on Maternity allowance after taking VR. Once that was up, she went on to Contribution based JSA. After 6 months (if she hadn't of found another job) she wouldn't have been entitled to income based JSA because of my income. Contribution based JSA doesn't have anything to do with joint incomes.
#8
The credit thing is NICs paid for your OH. Is she still pregnant or is baby here?
#9
http://www.entitledto.co.uk/

have alook here, check for all benefits, inc Tx credits/housing benefit and supposedly income based JSA though haven't tried for that
#10
How much is considered a high salary? 30k+?
#11
silkymolo
For 2007-2008 the LEL was £84-£87. Contributions based JSA needs you to have paid 2 years CONTINUOUS NICs (national insurance contributions. If your OH worked part time and did not earn enough or spent some time in this period out of work then she will not have made satisfactory contributions.

I must stress this needs to be full tax years of contributions. Also the amount that she was paid over the period varies the amount that she would be entitled to, and even if she can get something it would only be for 6 months. I have dealt with people going from JSA to Pension credit, some only get £15 a week (cont based).

Has she been told that even if she can get no money that she can still get her NI contributions paid, which I know is not a great help to you bug in the long run it will matter when claiming State Pension. Also so you have children? If so you will be able to make a claim for housing benefit.

I worked for the DWP until very recently so not just BS I am feeding you here.


You absolute star!

So just so i got this clear in my head.. You need to have earn £84/87 per week (Before tax) over the course of a year to qualify for JSA? Because she has most definitely done more than that.. So spent some time out of work inbetween jobs for a month or two.

We have a child yeah, unfortunately we are not entitled to any LHA. Again my salary puts us over, we don't get sod all.
#12
The month or two out of work will have knackered it!!It has to be continuous for 2 FULL tax years unless you choose to pay voluntary contributions whilst out of work/you make a claim for a benefit

Also try the entitled to calculator because after I 2nd Novemebr the rules for LHA changed to not include Child benefit, and it also takes account of any childcare costs.
banned#13
Just appeal and you will win. I have claimed twice in the past 10 years and BOTH times I got a letter saying I hadnt paid enough NIC.

First time, I had earnt £110,000 in the previous tax year so I had paid the maximum limits for NIC. The following time I had earnt £75,000 in the previous tax year and I still got the same letter.

If I was cynical, I would say they send out this fobbing off letter to every first time claimant. Either that or they're just completely incompetent. Probably both lol

Stick with it and appeal and I'm sure you'll win. Even the apology letters I got each time saying they made a mistake and I do qualify were standard ones!
banned#14
Spriggan;7252356
How much is considered a high salary? 30k+?

thats about average. High is upwards of £50K imho
#15
csiman
thats about average. High is upwards of £50K imho


In my humble opinion

hahahaha
#16
hassony
In my humble opinion

hahahaha


In my honest opinion

hahahaha
#17
it's funny either way
banned#18
hassony;7253137
it's funny either way

no idea where you're coming from :w00t::thinking:

Median earnings of full-time male employees were £531 per week in April 2009

Source : National Audit Office
#19
30K is not average here !
banned#20
deb8z;7253195
30K is not average here !

THE UK AVERAGE! :roll:
#21
csiman
THE UK AVERAGE! :roll:


The Office for National Statistics' Annual Survey of Hours and Earnings (ASHE) provides some of the most reliable figures.

According to ASHE, "mean" gross annual earnings across all employee jobs in 2008 came to £26,020. You may think that's rather a high "average" salary. And if you look just at the figures for full-time employees, that figure rises to £31,323.

Another way of measuring it is "median" gross annual earnings. According to ASHE, this was the more modest figure of £20,801, across all employee jobs. If you are earning that sum a year, you are "Mr or Mrs [or Ms] Mid-Point" - precisely half the surveyed working population earns less than you and half more. For just full-time employees, the median rises to £25,123.

http://news.bbc.co.uk/1/hi/8151355.stm
#22
Discovered the problem.

The letter said it was due to NI contributions between 2007-2008.

They've told us it was also based on 2006-2007 - when my wife was in University not making any NI contributions.. Or at least very little as she only worked in a pub on the weekends doing bar work.

Ah well.
banned#23
spritey;7253302
Discovered the problem.

The letter said it was due to NI contributions between 2007-2008.

They've told us it was also based on 2006-2007 - when my wife was in University not making any NI contributions.. Or at least very little as she only worked in a pub on the weekends doing bar work.

Ah well.

but it should only be based on the last TWO tax years (i.e 2007/08 & 2008/09)
banned#24
hassony;7253287
The Office for National Statistics' Annual Survey of Hours and Earnings (ASHE) provides some of the most reliable figures.

According to ASHE, "mean" gross annual earnings across all employee jobs in 2008 came to £26,020. You may think that's rather a high "average" salary. And if you look just at the figures for full-time employees, that figure rises to £31,323.

Another way of measuring it is "median" gross annual earnings. According to ASHE, this was the more modest figure of £20,801, across all employee jobs. If you are earning that sum a year, you are "Mr or Mrs [or Ms] Mid-Point" - precisely half the surveyed working population earns less than you and half more. For just full-time employees, the median rises to £25,123.

http://news.bbc.co.uk/1/hi/8151355.stm

thats why I said the AVERAGE is £30K, not the MEDIAN :thumbsup:
#25
I'd call a 'high' salary excluding London, around 45k.. Including London, around 50-55k.

tbh, national average salary figure is absolute rubbish.

Should be a figure including and excluding London, because i can earn a hell of allot more a year in London. Would hardly be worth it though due to the cost of living, plus i cant stand London having worked there on consultancy contract before.
#26
csiman
but it should only be based on the last TWO tax years (i.e 2007/08 & 2008/09)


Trust me, that makes more sense to me also.. But apparently it's based 2006-2007 / 2007-2008. 2008-2009 isn't included yet, if it was.. She'd of gotten it.
#27
csiman
thats about average. High is upwards of £50K imho


I know you meant national average BUT you made it sound ^^^^ as if 30K was nothing:?

Anyway,carry on folks!!:-D
banned#28
deb8z;7253646
I know you meant national average BUT you made it sound ^^^^ as if 30K was nothing:?

Anyway,carry on folks!!:-D

lol - all I said was "thats about average." :w00t:

believe me, I'd love to earn that now. Havent managed to get a job in 3 years! :oops:
#29
for future ref just use the direct.gov. site do it online section email benefit trained advisor

always spot on!
#30
spritey
Trust me, that makes more sense to me also.. But apparently it's based 2006-2007 / 2007-2008. 2008-2009 isn't included yet, if it was.. She'd of gotten it.


Appeal!!!!!!!!!!!!!!! It should always be 2 previous tax years, it's not like its still April. Ask for a recalculation using past 2 tax years NOT 3
#31
silkymolo
Appeal!!!!!!!!!!!!!!! It should always be 2 previous tax years, it's not like its still April. Ask for a recalculation using past 2 tax years NOT 3


Surely this is the years they have set, so they can't be appealed?

They say it's accessed on the 2 years 2006-2007 / 2007-2008.. I'm guessing this is set in stone till we hit 2010.
#32
spritey
Surely this is the years they have set, so they can't be appealed?

They say it's accessed on the 2 years 2006-2007 / 2007-2008.. I'm guessing this is set in stone till we hit 2010.


It shouldn't be as far as I am aware, it should be previous 2 tax years. It may be worth talking to Job centre plus but not mentioning your wife's claim, just asking impartially, or double checking with Citizens advice etc. I can't see why they would need to go back to those years
banned#33
How it works


There are two types of Jobseeker's Allowance, 'contribution-based Jobseeker's Allowance' and 'income-based Jobseeker's Allowance'.
Contribution-based Jobseeker's Allowance

Jobcentre Plus can pay this for up to 182 days. It’s based on how much National Insurance you have paid in the last two tax years. Generally, self-employed contributions will not help you qualify for contribution-based Jobseeker’s Allowance.


The last two tax years are most defintely 2007-08 and 2008-09


http://www.direct.gov.uk/en/MoneyTaxAndBenefits/BenefitsTaxCreditsAndOtherSupport/Employedorlookingforwork/DG_10018757
#34
i know for a fact atm they are using the years april 06 to april 08

if you make a conts claim online and you get a call back and they think you are claimin the wrong element of jobseekers they ask you have you paid at LEAST 6 months class 1 NI contributions for years april 2006 to april 2008

been thorough the process and know the system to a point myself

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