What happens when IB stops but nearing retirement age.

Oldernotwiser

TomsMom wrote: »

Also, the qualification for contributions based JSA is a little confusing. JCP says because he paid Class 2 (self employed) contributions he does not qualify, you only qualify if you've paid Class 1. Yet on the govt website it says Class 2 contributions count towards the same benefits as Class 1, but Class 2 will not always count towards contribution-based Jobseeker’s Allowance.. but does not go on to explain the bit about will not always count

.

My understanding is that Class 2 contributions don't qualify for JSA


Class 2 National Insurance contributions give entitlement to a range of contributory benefits

• Incapacity Benefit
• Maternity Allowance
• Basic State Pension
• Bereavement Benefits
  • Widowed Parent's Allowance
  • Bereavement Allowance
  • Bereavement Payment

TomsMom

Oldernotwiser wrote: »

My understanding is that Class 1 contributions don't qualify for JSA

The CAB Advice Guide website says

Which contributions pay for which benefits

Class 1

Class 1 national insurance contributions count towards contribution-based Jobseeker’s Allowance, Incapacity Benefit, contributory Employment and Support Allowance, Bereavement Benefits, Retirement Pension and Maternity Allowance

.

and the directgov website says

Contribution-based Jobseeker's Allowance

You may get contribution-based Jobseekers Allowance if you have paid or been credited with class 1 National Insurance (NI) contributions in the relevant tax years. Self employed contributions will not generally qualify you for contribution-based Jobseekers Allowance.

or was that a typo and you meant Class 2 don't qualify for JSA?

Oldernotwiser

TomsMom wrote: »

The CAB Advice Guide website says

.

and the directgov website says



or was that a typo and you meant Class 2 don't qualify for JSA?

Apologies. It was a typo and I've corrected it.

margaretclare

chesky369 wrote: »

"She said that she would give him the DLA form and he should fill it in with answers based on his worst days."

Yes, that was why I advised you so - but when people come back at you so strongly as happened when I posted, can't keep on arguing.

When I wrote a similar thing in another thread, based on what I was advised by a CAB Benefits Adviser in relation to AA, I was accused of lying and of advising others to lie.

chesky369

Yes, it IS quite annoying when someone not only contradicts something you actually KNOW to be correct, but takes the high moral tone whilst doing so.

Primrose

I sympathise with your husband's position regarding trying to seek employment at the moment. As you were used to running a restaurant, I assume he may have some catering skills and wonder whether as an alternative to being employed, he could try running his own catering business on a small scale, i.e. catering for parties, weddings, etc? This would mean he could take on commitments as his health permitted and as you're retired, you might be able to help him?.

TomsMom

Primrose wrote: »

I sympathise with your husband's position regarding trying to seek employment at the moment. As you were used to running a restaurant, I assume he may have some catering skills and wonder whether as an alternative to being employed, he could try running his own catering business on a small scale, i.e. catering for parties, weddings, etc? This would mean he could take on commitments as his health permitted and as you're retired, you might be able to help him?.

Thanks Primrose. However, we owned the restaurant and ran front of house only, employing our son and d-i-l as chefs. As we had to sell the restaurant we had to make them redundant and they have now gone on to other things.

As things stand at the moment, his test results have shown remission has not been reached only maximum recovery, so his treatment has been stopped for the time being as further treatment at the moment can do no more. When symptoms become problematic again further treatment options will be looked at.

He applied for DLA, filling in the forms himself (truthfully and based on the fact that he has no problems caring for himself or with mobility normally but after treatment he would not be able to cook himself a meal) and discovered today that lower rate DLA has been credited to his bank account. He has not received written confirmation of this so it will be interesting to see what it has been based on (presuming they give that information) when he receives the letter.

He has just posted off a new sick note which will last 3 months, so by then further consultations with his specialist, and time, will probably tell him how things are going with no current treatment. So at least for the immediate future he wont have to worry about whether or not he can get a job.

angelatgraceland

My DH has recently recovered from cancer(well as far as we know)and had chemo for 5 months. He felt very tired afterwords and his immune system was still affected as a result of the chemo-this showed in little ways like if he got a cold or a cut etc it took longer to recover. Your dh may well have similar problems-lacking in stamina or reduced immune system. Therefore the idea of returning to catering as you explained before may not be a wise one-but many jobs would pose similar risks for him. No idea on benefits Im sorry to say as we are also "benefit virgins" as it were-apart from the IB he got while he was having his op and chemo. Now back to work and so far so good but like your husband we tend to live for the day and not for years ahead in particular-we have vague plans rather than specific plans.
CAB sounds a good idea as do the McMillans-the more you find out the better-I know where you are coming from! Good luck with your info and future health.

Newly_retired

I work at CAB and have helped several people complete DLA and AA forms. Yes, we do advise clients to describe their worst days. This is not lying. This is when you really need the help. Also describe what you CAN'T do, not what you can.
I recall my mum aged 91 telling her GP how well she was and how she cooked meat and 3 veg every day, + a pudding and custard. The truth was that latterly, she really really struggled to do that once a week at most. The other days she had meals on wheels. She wanted to paint a good picture of what she could do at her best, but this was not realistic or helpful.
I hope this example is useful and backs up the theory.

seven-day-weekend

Agree with you newly retired, but some people seem to think that you should struggle on even when you desperately need the help and that if you can do something occasionally then you should say you can do it (as though you can do it all the time).

I now advise people just tell it as it is, because so many people, for some unknown reason seem to think it is fraudulent to just say how it is at its worst. For example your mum could say something like, 'I cannot manage to cook dinner more than once a week and even then I have difficulty'. That is telling the truth, not exaggerating nor minimising, her condition.

I have no official capacity, that's just advice on this board.