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JSA amount calculation
Comments
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Please stop giving out this advice cw18, it is wrong. The reason that you would have been entitled to IS was because of the premiums associated with your husband receiving HRC. This will not be the same for the OP.
Not neccesarily incorrect - If 2 people each get just IB and their mortgage is calculated to be of a sufficient level, they could get Income Suppport for the mortgage.
E.g 2 x IB at £85 per week = income £170
Income support allowance (without mortgage) roughly £95 + £37 = £132.
Any mortgage that works out to over £38 a week would lead to some payment for mortgage costs.
In the OPs case they may well qualify as the limit for working hours for a partner is 24 hours rather than the 16 hours for the applicant. A 13 week waiting period is likely to apply, after which the OP might well find it worthwhile to apply.0 -
thriftychick wrote: »Thanks for that tom9980 and you're right it is going to be a shock. We have 2 children and a mortgage to support so I see a hard year ahead for us. Thanks for taking the time to reply.
You may want to think about asking for a 'payment holiday' on the mortgage.
If this all gets into a 'debt management' situation, hop over to the debt-free board.
Hope OH gets a job soon!0 -
He wasn't receiving ANY extra premiums (though they were worked into the calculations when they worked out how much income we had that was available to pay the mortgage interest).If your husband was receiving extra premiums with his DLA those premiums would have been Income Support premiums and would lead to entitlement to ISMI.
The closest we had to 'means tested' benefits was CTC, and that doesn't automatically give access to ISMI.
All DH had was IB (highest rate) and DLA (highest rate of both components). All I had was IB (middle rate). We then had a small amount of CTC, but not even the £50+ someone on IS alone would get as I'd had 6 months on half pay that had to be declared over and above DH's IB, plus the IB it looked like I was going to be on for the rest of the tax year.
They then awarded us 10p/week as IS purely to enable the system to pay us ISMI, but this 10p/week was deducted from the amount of ISMI they said we qualified for.
If I read this correctly, it should be the OPs DH that files the claim, rather than the OP?real1314 wrote:In the OPs case they may well qualify as the limit for working hours for a partner is 24 hours rather than the 16 hours for the applicant. A 13 week waiting period is likely to apply, after which the OP might well find it worthwhile to apply.Cheryl0 -
thriftychick wrote: »My husband has recently been made redundant and he has made a claim for JSA and been put on contributions based JSA of £60.50. The jobcentre did the paperwork for income based JSA aswell as they thought we would be entitled to it. I work 22 hours a week term time and earn £114 a week.
They say in the letter that we have sufficient income to live but how do they work that out? Is there a place where they state how much should go on food, heating etc.?
Hi thriftychick
Have you done a benefits check?
http://www.moneysavingexpert.com/protect/benefits-check#one
If you have and are still unsure try your local CAB for advise on what you can claim as everyones circumstances are different.0 -
He wasn't receiving ANY extra premiums (though they were worked into the calculations when they worked out how much income we had that was available to pay the mortgage interest).
The closest we had to 'means tested' benefits was CTC, and that doesn't automatically give access to ISMI.
All DH had was IB (highest rate) and DLA (highest rate of both components). All I had was IB (middle rate). We then had a small amount of CTC, but not even the £50+ someone on IS alone would get as I'd had 6 months on half pay that had to be declared over and above DH's IB, plus the IB it looked like I was going to be on for the rest of the tax year.
They then awarded us 10p/week as IS purely to enable the system to pay us ISMI, but this 10p/week was deducted from the amount of ISMI they said we qualified for.
You're kind of missing the point, you had an underlying entitlement to IS, if either of you hadn't paid NI sufficiently to receive IB you would have got IS, the OP and their partner have no entitlement to IS, underlying or otherwise therefore no entitlement to ISMI."You've been reading SOS when it's just your clock reading 5:05 "0 -
sammyjammy wrote: »You're kind of missing the point, you had an underlying entitlement to IS, if either of you hadn't paid NI sufficiently to receive IB you would have got IS, the OP and their partner have no entitlement to IS, underlying or otherwise therefore no entitlement to ISMI.
They may have entitlement through JSA - if the JSA(IB) amounts + "IS"MI, (or JSAMI?) once 13 weeks have passed, exceed their income, then they'd get the difference as "JSA"MI.0 -
OK let me correct myself, instead of saying no entitlement to IS I should have said Means tested benefits, including JSA IB which they are also not entitled to."You've been reading SOS when it's just your clock reading 5:05 "0
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But they could become entitled to the mortage part of it in 13 weeks -- same as DH and I became entitled to the mortgage part of IS after serving the waiting period.Cheryl0
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sammyjammy wrote: »OK let me correct myself, instead of saying no entitlement to IS I should have said Means tested benefits, including JSA IB which they are also not entitled to.
I can't see the difference?
In one case they got Incapacity Benefit through IS until the waiting period had passed and then got some mortgage help, in the other they are getting JSA(C) until the waiting period passes and then may get some mortgage help through JSA(ib).
JSA(c) application can be treated as a claim to JSA(ib), the applicant is not working and their partner is working less than 24 hours a week.
All that matters is the JSA(ib) calculation to include the mortgage, compared to their income at that point in time.0
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