Signing on and refusing jobs that are too little money

hanny83_2

jobbingmusician wrote: »

I have had plenty of interviews - many at MORE than I was earning before, and I usually get down to the last 2 or 3. If this was not the case, I would have taken a lower paid job ages ago. While I am still getting this far, I will carry on looking for a good job rather than screw my CV up with a lower grade position.
quote]

Surely having a lower grade job wouldn't screw your CV up as much as having 'Benefit Claimant' for however many months written across it?

mr.skint_5

honeypop wrote: »

I have just been made redundant and will probably be leaving the workplace next week. I have income protection insurance that will pay out almost as much as my current take-home pay, paid monthly in arrears on receipt of evidence that I have signed on for a full month (for 6 months max).

My query is, with a mortgage/bills to pay for, and I am pregnant, I still need to be earning pretty much what I'm on now to survive and the insurance will cover this, but from what I can gather when you sign on as unemployed you are expected to take whatever job you can reasonably do. I understand this and the reasons why, but are you still expected to take it if it is not enough for you to cover all outgoings? If I took a job simply because I could do it although it wasn't enough money, I'd be seriously short each month, whereas if I hadn't taken it, the insurance would be paying me what I am entitled to and covering my bills until I found a job which was a good enough salary.

I think (in a rambling way) what I need to know is, I need to be in receipt of JSA for the insurance to kick in, but is it correct that JSA will be stopped if I turned down jobs that are too low in salary?

If so, I'm a bit stuffed and the insurance was pointless to take out really.

what is income protection insurence,may i ask?

Lynn11

I am unemployed as made redundant 30th sept but awaiting paperwork from a verbal job offer, The jobcentre know that I am waiting for this before I start and know that I pretending to look for jobs as I have a verbal offer which hopefully will go through. Also I have taken a job which is £4000 less than previously and less hours. Used to work 22.5hrs and now going to do 17.5hrs but I have to work round my daughters nursery days - I have accepted due to hard times that I will do this for a few years and then built up my career at a later date when my daughter is older. Husband's job is semi ok but he is in the building trade. I know realistically we all want the same money but employers are expecting you to work for a lot less these days due to higher costs elsewhere,

honeypop

mr.skint wrote: »

what is income protection insurence,may i ask?

It's an insurance that pays out the equivalent to a percentage of your usual monthly pay, should you be unable to work due to sickness, accident or unemployment. This ensures that even if you can't work, at least your mortgage and bills are still able to be paid while you are out of work and still looking, or off sick without a good sick pay package.

mr.skint_5

honeypop wrote: »

It's an insurance that pays out the equivalent to a percentage of your usual monthly pay, should you be unable to work due to sickness, accident or unemployment. This ensures that even if you can't work, at least your mortgage and bills are still able to be paid while you are out of work and still looking, or off sick without a good sick pay package.

sounds interesting, but i am sure there must be guidelines one has to meet 1st to get this? obvously you can't have a job,have it finish be on the dole & have the insurence pay out.

gingerdad

jobbingmusician wrote: »

Who said I was still unemployed? I am still registered for JSA I don't actually receive much, if anything, in benefits as I have found part-time work while I look for a job!

I have had plenty of interviews - many at MORE than I was earning before, and I usually get down to the last 2 or 3. If this was not the case, I would have taken a lower paid job ages ago. While I am still getting this far, I will carry on looking for a good job rather than screw my CV up with a lower grade position.

Once you learn to speak and write grammatically, you may start to understand about career progression. Once you read the T & C of this forum and stop posting uncalled for comments, you may be a worthy member. Or not.

no comment..... ps i'm happy as a Director, can't go any higher... and yes my english isn't the best, but hey ho. Anything from a business point of view goes out after being checked by my wife and other directors.

gingerdad

Surely having a lower grade job wouldn't screw your CV up as much as having 'Benefit Claimant' for however many months written across it?[/quote]

I would more likely take someone on from a job rather than some one on JSA or other long term benefit. As it's shows a willingness to work and progress. the best one i've ever had, was someone who had been unemployed for 3 years telling me they won't take any job, it has to be the right one. he didn't get offered it then or when he reapplied 12 months later for a different role.

GD

OP:- Good luck

PasturesNew

mr.skint wrote: »

sounds interesting, but i am sure there must be guidelines one has to meet 1st to get this? obvously you can't have a job,have it finish be on the dole & have the insurence pay out.

Until recently many mortgage companies almost INSISTED you had this insurance in place. There are lots of small print items, bt the basis is:

You take out and pay for an insurance policy so that should you become unemployed it will pay the amount you insured for, after X days and for Y months. As the dole didn't pay mortgage interest for 9 months it was to cover this shortfall period.

Many policies start paying out 30 or 60 days after you are laid off, but you choose how soon or late they pay out. You also choose how much they pay out - your insurance premium is related directly to the payout value.

It is intended to cover your interest only until the dole money would start paying it.

The small print typical in these insurances are:
- you must be continuously employed for 6 months prior to your first claim
- once you start another job the insurance stops

Typical problems are: if you stopped working, then were unemployed 2-3 weeks and took on a temp job, which lasted 6 weeks, then you tried to claim they'd say "Oh, but you weren't continously employed in a permanent position for the 6 months prior to your claim" And that's it, no more claim for you even though you might have been paying in for years. So taking a temp job isn't really a good thing to do in this instance.

This means it is virtually impossible to take a temp job. Nobody would take a 1 month temp job at £6/hour if it prevented them claiming 9 months' mortgage interest.

The small print catches a lot out. It wouldn't cover people in temporary jobs, or the self-employed. It was really only ideal for people who were in permanent jobs who had been continuously employed for some time before they took out the insurance at all.

mr.skint_5

PasturesNew wrote: »

Until recently many mortgage companies almost INSISTED you had this insurance in place. There are lots of small print items, bt the basis is:

You take out and pay for an insurance policy so that should you become unemployed it will pay the amount you insured for, after X days and for Y months. As the dole didn't pay mortgage interest for 9 months it was to cover this shortfall period.

Many policies start paying out 30 or 60 days after you are laid off, but you choose how soon or late they pay out. You also choose how much they pay out - your insurance premium is related directly to the payout value.

It is intended to cover your interest only until the dole money would start paying it.

The small print typical in these insurances are:
- you must be continuously employed for 6 months prior to your first claim
- once you start another job the insurance stops

Typical problems are: if you stopped working, then were unemployed 2-3 weeks and took on a temp job, which lasted 6 weeks, then you tried to claim they'd say "Oh, but you weren't continously employed in a permanent position for the 6 months prior to your claim" And that's it, no more claim for you even though you might have been paying in for years. So taking a temp job isn't really a good thing to do in this instance.

This means it is virtually impossible to take a temp job. Nobody would take a 1 month temp job at £6/hour if it prevented them claiming 9 months' mortgage interest.

The small print catches a lot out. It wouldn't cover people in temporary jobs, or the self-employed. It was really only ideal for people who were in permanent jobs who had been continuously employed for some time before they took out the insurance at all.

well if its based on martgage alone,it wont work for me,i don't have a mortgage

Lynn11

If you sign on JSA they pay your NI contributions a low rate until you start your new job. You need to weigh up your options and see if you are better off not signing on and just using your insurance with no income coming in. I am lucky that my husband's job pays most or all of the bills, so it is ok that I am receiving JSA at the moment until my new job starts.