They refused ESA please help!!!!!!

crystaljoan

he always belived that if he earns only 4000 L 5000 L a year he does not need to pay NI.
anyway I spoke to my friend today and she suggested to get finanacial separation as I really wont be able to provide for 3 of us that will place him maybe in better position.but do not have idea how to get financial separation ??????

healy

crystaljoan wrote: »

he always belived that if he earns only 4000 L 5000 L a year he does not need to pay NI.
anyway I spoke to my friend today and she suggested to get finanacial separation as I really wont be able to provide for 3 of us that will place him maybe in better position.but do not have idea how to get financial separation ??????

If you live together and are a couple you cannot have financial separation as far as benefits are concerned.

mum-of-3

crystaljoan wrote: »

he always belived that if he earns only 4000 L 5000 L a year he does not need to pay NI.
anyway I spoke to my friend today and she suggested to get finanacial separation as I really wont be able to provide for 3 of us that will place him maybe in better position.but do not have idea how to get financial separation ??????

This is not good advice. If you are together and living together as a couple then that is how you are based regards benefit.

I know its hard if you take kids out of nursery because they will loose there space but in a weeks time with the summer holidays coming up im sure they could sell your childs place on a temporary basis!

If he is at home, get him selling some bits on ebay to raise some money!

Indie_Kid

crystaljoan wrote: »

he always belived that if he earns only 4000 L 5000 L a year he does not need to pay NI.

NI is based on how much you earn per week. So, if you have one week where you earn £200, you pay NI; but if you have a week where you only earn £75, you won't pay NI.

Robbie64

sh1305 wrote: »

NI is based on how much you earn per week. So, if you have one week where you earn £200, you pay NI; but if you have a week where you only earn £75, you won't pay NI.

The OPs husband is self employed so the rules for NI are different in his case.

http://www.direct.gov.uk/en/MoneyTaxAndBenefits/Taxes/BeginnersGuideToTax/DG_4015904

For low earners (earnings below £5,075 per annum) then a Small Earnings Exception can be applied for meaning the person doesn't have to pay Class 2 NI conts.

Hammyman

crystaljoan wrote: »

he always belived that if he earns only 4000 L 5000 L a year he does not need to pay NI.
anyway I spoke to my friend today and she suggested to get finanacial separation as I really wont be able to provide for 3 of us that will place him maybe in better position.but do not have idea how to get financial separation ??????

You are correct in that he can apply for Class 2 exemption. However that also means that he will only get NI credits which will go towards a State Pension but not for any illness related benefits so any ESA claim would be income based, whereas had he paid Class 2 NIC, he could get contributions based ESA.

Getting financial seperation is a big thing and you're going to have a problem doing it especially if you've mortgages, loans, credit cards or bank accounts in joint names.

To be honest, if my wife suggested that to me I'd be extremely hurt by it as it basically means the "in sickness and in health" was a lie and you wanted me more for the money.

idvi

besides which, he will be back on his feet in 6 weeks

financial sepration might take that long, and any benefits claim even longer

crystaljoan

little update

well we came back from hospital and they said no going back to work for ate least 4-6 months now!!!!

that out him really low specially i am due give birth in 3 months.
now questions is regarding NI contribution and 6 weeks penalty.

if i pay now L200 will they start considering again ESA and possibly other benefits later?

welshmoneylover

crystaljoan wrote: »

if i pay now L200 will they start considering again ESA and possibly other benefits later?

Out of curiosity, why do you type the letter L instead of the £ sign? Or am I not getting something here?

idvi

welshmoneylover wrote: »

Out of curiosity, why do you type the letter L instead of the £ sign? Or am I not getting something here?

£ = L/lira sign/libra or something

http://en.wikipedia.org/wiki/Pound_sign


or the op might not have a pound sign on there keyboard, and L is the next best thing