National Insurance over 2 jobs

full-time-mum

For most of this year, I have had a casual job working 2.5 hours once or twice a week so tax and national insurance payments have been irrelevent.

However, I have just started a temporary job which I am doing in addition to my casual work. I am working 15 hours a week and, although I don't have the exact figures, I think I will be just over the £105 per week so will pay a small amount of NI.

I know how the tax works, I will end up paying tax at one or other of the jobs and then have to claim it back at the end of the year - even if the new job became permanant, I won't exceed the personal allowance, even with the casual work.

However, I'm getting conflicting information on the NI contributions.
I've been told that I will pay NI on the £105 per week job but not on the other unless it also exceeds £105. In other words, for the purposes of NI, they are calculated completely separately.
I've also been told that I have to add the totals together and pay NI on it all.
Does anyone have any experience of this situation or know how it is supposed to work?
I've found tables and things on the web but nowhere is my specific question answered.

Thanks

flossy_splodge

As I understand it, if your anticipated income is low (below personal allowance threshhold?) then you can opt NOT to pay NI.
However please do check this for yourself, it's just what I was told a couple of years ago.
Obviously you need to be fully informed of any long term consequences such as entitlement to pension etc.
Please check carefully and the best people to do that with are the NI folks them selves. They have no axe to grind here, will just give you info.
Good Luck.

LittleVoice

full-time-mum wrote: »

I've been told that I will pay NI on the £105 per week job but not on the other unless it also exceeds £105. In other words, for the purposes of NI, they are calculated completely separately.

If you are employed by two separate employers then it is correct that they are treated separately so you don't have the two amounts added together and then subjected to NI.

full-time-mum

rung the NI people and the nice man confirmed that each job is assessed independantly.

poker_face

full-time-mum wrote: »

For most of this year, I have had a casual job working 2.5 hours once or twice a week so tax and national insurance payments have been irrelevent.

However, I have just started a temporary job which I am doing in addition to my casual work. I am working 15 hours a week and, although I don't have the exact figures, I think I will be just over the £105 per week so will pay a small amount of NI.

I know how the tax works, I will end up paying tax at one or other of the jobs and then have to claim it back at the end of the year - even if the new job became permanant, I won't exceed the personal allowance, even with the casual work.

However, I'm getting conflicting information on the NI contributions.
I've been told that I will pay NI on the £105 per week job but not on the other unless it also exceeds £105. In other words, for the purposes of NI, they are calculated completely separately.
I've also been told that I have to add the totals together and pay NI on it all.
Does anyone have any experience of this situation or know how it is supposed to work?
I've found tables and things on the web but nowhere is my specific question answered.

Thanks

Its even more complicated for me as i have 2 employed jobs and registered self employed. I still don't understand my NI payments, I'm sure I'm paying too much.