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Part Time & what benefits i am entitled to.
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# 1
slenderkitten
Old 06-11-2012, 4:57 PM
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Default Part Time & what benefits i am entitled to.

Hi

I am not working and normally look for full time 30+ hours, i am well aware of the working tax credit entitlement for full time workers. I have numerous agencies calling me up about this that and the other job only that its part time hours.

I just wanted to see what kind actual take home pay/benefit would i physically have. I dont understand maths so please be easy with me.

I live by myself and have no kids, i live in council flat and get full JSA (71), Housing Benefit (70 rent) and Council Tax Benefit (12), i get the 25% single persons discount on my council tax. I cant drive, therefore use the bus if the job was not local i.e. walking distance meaning 4 return trip.

Could someone please give me an example of 10 & 15/6 hours working day on minimum wage i'm 34, how much money i would get and if i get any help with busfare, I had asked the job centre several times over the years to explain it but i still don't get it, as i said i am crap with maths.

Thanks
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Last edited by slenderkitten; 06-11-2012 at 5:24 PM.
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# 2
fannyadams
Old 06-11-2012, 5:00 PM
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http://www.turn2us.org.uk/benefits_search.aspx
click on the link and it'll take you to a benefits calculator
just input the numbers it asks for and then it'll tell you what you can claim
HTH
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# 3
HappyMJ
Old 06-11-2012, 5:08 PM
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Quote:
Originally Posted by slenderkitten View Post
Hi

I am not working and normally look for full time 30+ hours, i am well aware of the working tax credit entitlement for full time workers. I have numerous agencies calling me up about this that and the other job only that its part time hours.

I just wanted to see what kind actual take home pay/benefit would i physically have. I dont understand maths so please be easy with me.

I live by myself and have no kids, i live in council flat and get full JSA (71), Housing Benefit (70 rent) and Council Tax Benefit (12), i get the 25% single persons discount on my council tax. I cant drive, therefore use the bus if the job was not local i.e. walking distance meaning 4 return trip.

Could someone please give me an example of 16 hours working day how much money i would get and if i get any help with busfare, I had asked the job centre several times over the years to explain it but i still don't get it, as i said i am crap with maths.

Thanks
No kids then you must work 30+ hours per week to get working tax credits. ....but it doesn't matter too much as you get housing and council tax benefit in any case and any working tax credit you would have got by working more than 30 hours would have been taken from your housing and council tax benefit claim leaving you virtually no better off anyway.

You won't get help with bus fares.
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# 4
slenderkitten
Old 06-11-2012, 5:23 PM
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Quote:
Originally Posted by fannyadams View Post
http://www.turn2us.org.uk/benefits_search.aspx
click on the link and it'll take you to a benefits calculator
just input the numbers it asks for and then it'll tell you what you can claim
HTH
FA
x
hi i cannot use this as it asks for things i cannot give as i have never done part time work before. this is why i just wanted someone to explain it to me, using 10 hours and 16/15 hours examples on minimum wage as i'm 34.
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# 5
BigAunty
Old 06-11-2012, 5:31 PM
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Quote:
Originally Posted by slenderkitten View Post
hi i cannot use this as it asks for things i cannot give as i have never done part time work before. this is why i just wanted someone to explain it to me, using 10 hours and 16/15 hours examples on minimum wage as i'm 34.
Not sure what fields you are struggling with - you should be able to model various fictitious scenarios, including 10 hours and 16 hours at the NMW which is currently 6.19 an hour, so enter a gross weekly income of 61.90 or 99.04.

It will take into account any tax (nothing or nominal amount at that low level of employment income) and confirm the council tax and housing benefit you would receive.

Being 'better off' in part time employment generally only applies to those with dependents because of tax credits or those who receive Disability Living Allowance because it's not means tested.
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# 6
HappyMJ
Old 06-11-2012, 6:16 PM
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Quote:
Originally Posted by slenderkitten View Post
hi i cannot use this as it asks for things i cannot give as i have never done part time work before. this is why i just wanted someone to explain it to me, using 10 hours and 16/15 hours examples on minimum wage as i'm 34.
You won't be much better off at all as the marginal deduction rate is 0% on the first 5 then 100% on the next 71 then 85% on the remainder until you have no benefit left.

Basically you get to keep 5 for yourself first then after you have earnt 76 (about 12.5 hours with no extra money at all as opposed to benefits) in a week you get about 60 pence per hour after tax and NI and benefit deductions at minimum wages. Less your 4 a day travel costs means you will always be worse off if you work less than 7.5 hours in a day.
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# 7
slenderkitten
Old 07-11-2012, 10:59 AM
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You won't be much better off at all as the marginal deduction rate is 0% on the first 5 then 100% on the next 71 then 85% on the remainder until you have no benefit left.

Basically you get to keep 5 for yourself first then after you have earnt 76 (about 12.5 hours with no extra money at all as opposed to benefits) in a week you get about 60 pence per hour after tax and NI and benefit deductions at minimum wages. Less your 4 a day travel costs means you will always be worse off if you work less than 7.5 hours in a day.
they have explained this but it makes NO sense to me, do you mean that whaterver you earn they take away your benefit or do you mean whatever you earn they ask you to pay that in to them and be left with the equivalent of benefit money?

as for the other response, it was asking about how much my taxes are etc, i cant give that infor as i havent worked in this tax year.

from what i gather here, it isn't worth me working at all, as i wont get help with bus fare and i would only earn the equivalent to jsa, and pay a small portion for rent and tax but the hb and ctb would cover the rest?
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# 8
Dunroamin
Old 07-11-2012, 11:24 AM
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Originally Posted by slenderkitten View Post
they have explained this but it makes NO sense to me, do you mean that whaterver you earn they take away your benefit or do you mean whatever you earn they ask you to pay that in to them and be left with the equivalent of benefit money?

as for the other response, it was asking about how much my taxes are etc, i cant give that infor as i havent worked in this tax year.

from what i gather here, it isn't worth me working at all, as i wont get help with bus fare and i would only earn the equivalent to jsa, and pay a small portion for rent and tax but the hb and ctb would cover the rest?
If you haven't worked,you won't have paid any income tax.

Bear in mind that the longer you're unemployed, the harder it will be to get another job. It could be worth working part time for this reason alone, even if you're not much better off in the short term.
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# 9
pebbles88
Old 07-11-2012, 1:29 PM
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when you have had better off calculations done at the jobcentre, have you asked them to explain the parts you don't understand in more detail? as tbh, it'll be the exact same info that we give you on here.

as has been said, if you work under 16 hours, and still decide to claim JSA (as you can then get your national insurance stamp paid by them, as you wouldn't do so through your work due to low hours/wage) then you'll only be 5 a week better off as anything over that will be deducted from your JSA before it's paid to you.

your housing/council tax benefit would stay same again due to working under 16 hours.

even considering the above, it would be good to have a think about some part time work, again because the longer you are away from the labour market, the less attractive you seem to employers. Poss even voluntary work, gives you something to do, gets you back into 'working' mode, and make new friends/contacts.

in regards to travel fares, you may be able to get weekly/monthly tickets which are generally lower costs than paying each day.

HTH, x
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# 10
HappyMJ
Old 07-11-2012, 2:09 PM
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Quote:
Originally Posted by pebbles88 View Post
when you have had better off calculations done at the jobcentre, have you asked them to explain the parts you don't understand in more detail? as tbh, it'll be the exact same info that we give you on here.

as has been said, if you work under 16 hours, and still decide to claim JSA (as you can then get your national insurance stamp paid by them, as you wouldn't do so through your work due to low hours/wage) then you'll only be 5 a week better off as anything over that will be deducted from your JSA before it's paid to you.

your housing/council tax benefit would stay same again due to working under 16 hours.

even considering the above, it would be good to have a think about some part time work, again because the longer you are away from the labour market, the less attractive you seem to employers. Poss even voluntary work, gives you something to do, gets you back into 'working' mode, and make new friends/contacts.

in regards to travel fares, you may be able to get weekly/monthly tickets which are generally lower costs than paying each day.

HTH, x
Housing and council tax benefit will still be reduced by a total of 85 pence in the pound on anything earnt over 76 per week (assuming over 25 and single no kids). The hours worked do not matter. If someone worked 15 hours at 6.19 per hour they would take home 92.85 per week. The JSA would be reduced to zero and the housing and council tax benefit reduced by 14.33 per week so they would be 7.50 a week better off but if this represents 2 days of work costing 4 a day in bus fares then they would be 50 pence a week worse off.
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