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JSA stopping after 6 months as married
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# 1
redundancy survivor
Old 19-01-2009, 6:03 PM
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Question JSA stopping after 6 months as married

Hi there

I have been made redundant last year and like many others have been to countless recruitment agencies and applied for a lot of jobs! no luck yet and I am now worried as I have been told my JSA will stop after 6 months because my Husband works full time. Even though 60.5 is not a lot of money it actually covers the repayment of one of our loans. As I understand any further benefits after 6 months will be means tested, does anyone know if they take into account loan repayments?
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# 2
healy
Old 19-01-2009, 6:10 PM
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Loan repayments are not taken into account.
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# 3
redundancy survivor
Old 19-01-2009, 6:15 PM
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Many thanks!

Dissapointed but not surprised, it would be a wonderfull thing if it was possible to survive on one persons wages. But in this day and age there is no such thing as the breadwinner for most households. It seems a bit silly that you are actually better of single in a lot of cases.
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# 4
atomicsheep
Old 19-01-2009, 8:12 PM
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i guess the government will never cover your personal loans for obvious reasons. How much does your partner ean roughly?
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# 5
Damzel_In_Distress
Old 19-01-2009, 8:35 PM
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Why is it not possible to survive on one persons wage? more than half the families i no do this and always have. Why should you get jsa for long periods when there is someone working in your house hold?? :confused: your lucky really cause they never used to offer anything at all if you were living with someone nevermind married.

Loans are not taken into account cause taking out a loan is your own personal debt that you chose to get into....if they start handing out jsa to pay peoples loans off,everyone would be doing it :rolleyes:
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# 6
bunny999
Old 19-01-2009, 11:01 PM
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[quote=redundancy survivor;17853123]Many thanks!

Dissapointed but not surprised, it would be a wonderfull thing if it was possible to survive on one persons wages. But in this day and age there is no such thing as the breadwinner for most households. It seems a bit silly that you are actually better of single in a lot of cases.[/quote]

If you were single you would be living on 60.50 a week.
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# 7
OrkneyStar
Old 20-01-2009, 10:00 AM
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Presumably the 60.50 a week was CONTRIBUTION BASED JSA, which you would get if you had enough NI contributions in the past, irrespective of your husbands income. After this 6 months you automatically move on to INCOME BASED JSA, whereupon the total household income is counted. If your husband earns much then you will no longer be entitled to JSA. You cannot conclude you would be 'better of single' really as although you would get certain means tested benefits, you would not have your husbands contribtion, financial or otherwise. As for paying loans, why on earth would/should a state benefit take into account your debts ? You chose to enter into a credit agreement and should always think about whether you could afford it should your income drop (this might sound harsh but tbh it is reality!). The only 'debt' that is serviced in this way is a mortgage (and even then there are rules and limits- which I don't know the ins and outs of).
I hope this explains things a bit.
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# 8
pukkamum
Old 20-01-2009, 12:46 PM
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Well we are surviving on one (not very high wage) you chose to get in debt and now you want the government to pay it off for you????
The mind boggles?????
I don't get nearly enough credit for not being a violent psychopath.
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# 9
subsoniccoyote
Old 20-01-2009, 6:07 PM
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Quote:
Originally Posted by redundancy survivor View Post
Many thanks!

Dissapointed but not surprised, it would be a wonderfull thing if it was possible to survive on one persons wages. But in this day and age there is no such thing as the breadwinner for most households. It seems a bit silly that you are actually better of single in a lot of cases.
Silly comment.

Everyone else, why so aggressive towards a new member of the forums?

Daft comment to make but some of the replies aren't called for.

The forums are for help and assistance not to judge.

The OP is obviously a bit worried about losing almost 250 a month so maybe show a little understanding/compassion?
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# 10
Becles
Old 20-01-2009, 6:27 PM
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Do you have any loan payment protection insurance that you can claim on to cover the repayment?

Just thought I'd mention it as sometimes people forget they have it, especially if it is all rolled into the one monthly payment.
Here I go again on my own....
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# 11
woodbine
Old 20-01-2009, 9:47 PM
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Quote:
Originally Posted by Damzel_In_Distress View Post
Why is it not possible to survive on one persons wage? more than half the families i no do this and always have. Why should you get jsa for long periods when there is someone working in your house hold?? :confused: your lucky really cause they never used to offer anything at all if you were living with someone nevermind married.

Loans are not taken into account cause taking out a loan is your own personal debt that you chose to get into....if they start handing out jsa to pay peoples loans off,everyone would be doing it :rolleyes:
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# 12
BillytheFish
Old 21-01-2009, 6:20 PM
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Actually, not so silly comment!

I live with my girlfriend. We haven't been together that long but decided to move in together as house-sharing is the only option on our (previous) incomes in London. We thought that as we were going to share with other people, we may as well share with each other.

Our finances are totally separate.

I was made redundant, have been for over 6 months, and now the JSA payments have stopped. I cannot claim income based JSA due to my girlfriend's income and savings. Whilst I was able to claim contributions based JSA, I couldn't claim housing benefits due to my girlfriend's income and savings.

Try telling me that I wouldnt' be better off financially if I were single. Go on, I dare ya! :rolleyes:
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# 13
kitschkitty
Old 21-01-2009, 6:51 PM
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But working partners can claim working tax credits in many cases.
A waist is a terrible thing to mind.
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# 14
Ditzy
Old 23-01-2009, 10:35 PM
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Quote:
Originally Posted by BillytheFish View Post
Actually, not so silly comment!

I live with my girlfriend. We haven't been together that long but decided to move in together as house-sharing is the only option on our (previous) incomes in London. We thought that as we were going to share with other people, we may as well share with each other.

Our finances are totally separate.

I was made redundant, have been for over 6 months, and now the JSA payments have stopped. I cannot claim income based JSA due to my girlfriend's income and savings. Whilst I was able to claim contributions based JSA, I couldn't claim housing benefits due to my girlfriend's income and savings.

Try telling me that I wouldnt' be better off financially if I were single. Go on, I dare ya! :rolleyes:
Most benefits are based on the old fashioned thinking that if you were married or living as if you were married that your spouse/ptnr would financially support you. I understand some couples choose to keep finances separate but it is about whom is ultimately responsible to financially support you -- partner or the state?

Last edited by Ditzy; 23-01-2009 at 10:36 PM. Reason: Punctuation!!!
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