How much is JSA?

skintchick

After being terminally frustrated by the government call centres, I thought someone on here might be able to give me an idea of what amount of JSA I will be able to get.

Details:
I am being made redundant, will be official on 4 Dec.
Husband works full-time earning 36k.
Savings are around 6k.
We have no children.
I am able to work and actively looking for a job.
I have paid full NI since I was 19 and am now 33.
We own our house (my house before we got married, on which we have no mortgage but pay my Dad £215 a month as he paid off my small mortgage for me).
We also have another house (hubby's house from before we got married which we couldn;t sell) which we rent out but make no money on after estate agent's fees and mortgage.

So, I have seen figures on government website of:
Contribution-based Jobseeker's Allowance

• Person aged 25 or over: £60.50

Income-based Jobseeker's Allowance

Personal allowances - single people Rate

• Person aged 25 or over: £60.50

Personal allowances - couple Rate

• Both aged 18 or over: £94.95

but I don't understand if this is monthly or weekly, and what they mean by couple rate - my husband is working so surely he isn;t anything to do with it, so should I be looking at the single rate even though I am not single?

All the call centre staff will say is I have to claim and see - he was also deeply confused by my phoning now, while I am still technically employed, but knowing how slow givernment departments can be I wanted to get cracking as I will be out of work as of 4 Dec.

I am not going into work now as I am on gardening leave.

I've made a claim online but in the meantime cna anyone give me any idea of what I might receive?

Thanks.

Oldernotwiser

You'll be eligible only for contributions based JSA at the rate of £60.50 per week. This is available for 6 months, but after that you'll be eligible for nothing because of your husband's earnings.

stazi

From your post, you should be entitled to JSA(C) at the weekly rate of £60.50 (paid every 2 weeks in arrears). I cannot tell you when JSA will be paid from as JCP may (I do not know) take into account some of your redundancy pay/period.

You should claim JSA from the day after you last were employed by calling JCP on 0800 055 6688.

skintchick

Thanks. Just as well we don;t have a mortgage and can actually just about afford to live on my husband's wages then. If we actually had a mortgage like most people we'd be screwed!

So around £60 a week for six months only. Better than nothing I guess. As long as the claim procedure isn;t too traumatic!

Oldernotwiser

skintchick wrote: »

Thanks. Just as well we don;t have a mortgage and can actually just about afford to live on my husband's wages then. If we actually had a mortgage like most people we'd be screwed!

Most people manage to pay a mortgage with an income of £36,000, much less with an extra £60.50 per week and no kids!

bestpud

Oldernotwiser wrote: »

Most people manage to pay a mortgage with an income of £36,000, much less with an extra £60.50 per week and no kids!

Hmm, I was thinking that.

£36k is quite a high income for two adults with no mortgage to pay. You may not want to of course, but if you do, I am sure you can cut your outgoings quite considerably.

skintchick

Depends where you live - round here an average three bed home is £450k

dmg24

skintchick wrote: »

Depends where you live - round here an average three bed home is £450k

You have no children - surely you should be giving the figure for a one bed flat, not a three bed house?

bestpud

You said you don't pay a mortgage so what difference do the house prices make?

Conor_3

skintchick wrote: »

If we actually had a mortgage like most people we'd be screwed!

Say what? I don't know anyone on more than £36k and virtually all of them have mortgages.

Oldernotwiser

skintchick wrote: »

Depends where you live - round here an average three bed home is £450k

So you own a £450,000 property with no mortgage and you still feel hard done by?