NI contributions & benefits

poppyred

hiya
i'm hoping someone can help.

A bit of background.... My husband use to run his own business which ended at the beggining of Feb, He tried to claim Job Seekers allowence but was told because he had paid Class 2 NI he coundn't, which was disappointing but we lived with it and was unemployed from end of March upto yesterday.

Yesterday he started labouring on a building site on a Temporary Job which will last upto the end of November :j. He will be classed as self employed under the Construction Industry Scheme where his employer pays his tax, but not his National Insurance.

My question is, if he pays Class 2 NI we will be in the same boat in November when he is laid off as he won't be able to claim Jobseekers allowence again, If he pays Class 3 NI will he be able to claim in November ??

We can't claim income based Job Seekers Allowence as i work part time & earn £15 a week too much !

I know it's a bit long winded...but any help would be great :beer:

nannytone_2

you'll br im rxactly the same position, sorry

Oldernotwiser

Even if he were actually employed for this period, he still wouldn't have paid sufficient contributions.

When he was unable to claim JSA this time did he sign on to get his NICs paid?

healy

poppyred wrote: »

hiya
i'm hoping someone can help.

A bit of background.... My husband use to run his own business which ended at the beggining of Feb, He tried to claim Job Seekers allowence but was told because he had paid Class 2 NI he coundn't, which was disappointing but we lived with it and was unemployed from end of March upto yesterday.

Yesterday he started labouring on a building site on a Temporary Job which will last upto the end of November :j. He will be classed as self employed under the Construction Industry Scheme where his employer pays his tax, but not his National Insurance.

My question is, if he pays Class 2 NI we will be in the same boat in November when he is laid off as he won't be able to claim Jobseekers allowence again, If he pays Class 3 NI will he be able to claim in November ??

We can't claim income based Job Seekers Allowence as i work part time & earn £15 a week too much !

I know it's a bit long winded...but any help would be great :beer:

Class 3 NI conts do not count towards contribution based JSA.

poppyred

Oldernotwiser wrote: »

Even if he were actually employed for this period, he still wouldn't have paid sufficient contributions.

When he was unable to claim JSA this time did he sign on to get his NICs paid?

yes but it was only for 7 weeks so i guess this isn't longer enough, thanks anyway

ThelmaLouise

My other half had the same problem, its the last 2 tax years NI conts that count, so whatever he does now wouldn't help for November I'm afraid. JS depends on his 2008/9 and 2009/10 contributions.

healy

ThelmaLouise wrote: »

My other half had the same problem, its the last 2 tax years NI conts that count, so whatever he does now wouldn't help for November I'm afraid. JS depends on his 2008/9 and 2009/10 contributions.

It would depend on the 2007/8 and 2008/9 tax years.

calleyw

healy wrote: »

It would depend on the 2007/8 and 2008/9 tax years.

Healy is correct at the tax years and benefit years are different.

2009-2010 tax year will be used by DWP from Jan 2011.

Yours

Calley

roomontheend

Could I just ask if anyone knows if it is possible to claim anything if my OH has not made enough contributions. To cut a long story short he pretty much didn't pay himself anything so that he could keep the business going. Now he has lost out on two points. It seems as thou he would have been better paying himself a full wage and closing the business earlier.

Oldernotwiser

roomontheend wrote: »

Could I just ask if anyone knows if it is possible to claim anything if my OH has not made enough contributions. To cut a long story short he pretty much didn't pay himself anything so that he could keep the business going. Now he has lost out on two points. It seems as thou he would have been better paying himself a full wage and closing the business earlier.

This will depend on your income and the level of household savings.

roomontheend

Thanks for your reply. I am on £40,000, we have no savings and £27,000 of cc debt plus others.