Income protection insurance and JSA

echoes008

According to this website if you have private pension or something like that then you don't have contribution based JSA.. So its possible that income from insurance is classed as earnings.

turn2us.org.uk

This is horrible.. You may work all your life, you don't get any help from government when you lose your job because you have paid for pension or paid for insurance premiums.

But professional work shy benefit scroungers can continue to claim all their life.

Our benefit system really rewards hard work.. NOT...

kazzah60

echoes008 wrote: »

According to this website if you have private pension or something like that then you don't have contribution based JSA.. So its possible that income from insurance is classed as earnings.

turn2us.org.uk

This is horrible.. You may work all your life, you don't get any help from government when you lose your job because you have paid for pension or paid for insurance premiums.

But professional work shy benefit scroungers can continue to claim all their life.

Our benefit system really rewards hard work.. NOT...

that is exactly right Echoes - we were penalised because we took care to prevent ourselves becoming homeless if hubby lost his job or became too ill to work - he hadn't been in a Job centre for 31 years and he received NOTHING from the DWP - the only thing we qualified for was council tax benefit - and we had to provide details of all our bank accounts - including those of our two dependent children ( they were 14 and 13 at the time)

we were told that ANY and ALL income was taken into account for the purposes of JSA - I believe the only money that wasn't included as income for the purposes of JSA was my husbands DLA - which he was in receipt of low rate care - this money was disregarded - but ALL other money coming into the bank account was taken into account - I was staggered - couldn't believe it - and to add insult to injury- he still had to sign on every 2 weeks in order " protect his NI contributions for his pension"
he worked very ahrd to find another job on both occasions he was made redundant and thankfully the longest he has been out of work was 9 weeks
I wish you well in your job search -I am sure that you will be as determined as my hubby was to get a job - he doesn't earn as much now as he did when he was made redundant in 04 - but he goes to work with pride - knowing he is providing for our family.

echoes008

kazzah60 wrote: »

that is exactly right Echoes - we were penalised because we took care to prevent ourselves becoming homeless if hubby lost his job or became too ill to work - he hadn't been in a Job centre for 31 years and he received NOTHING from the DWP - the only thing we qualified for was council tax benefit - and we had to provide details of all our bank accounts - including those of our two dependent children ( they were 14 and 13 at the time)

we were told that ANY and ALL income was taken into account for the purposes of JSA - I believe the only money that wasn't included as income for the purposes of JSA was my husbands DLA - which he was in receipt of low rate care - this money was disregarded - but ALL other money coming into the bank account was taken into account - I was staggered - couldn't believe it - and to add insult to injury- he still had to sign on every 2 weeks in order " protect his NI contributions for his pension"
he worked very ahrd to find another job on both occasions he was made redundant and thankfully the longest he has been out of work was 9 weeks
I wish you well in your job search -I am sure that you will be as determined as my hubby was to get a job - he doesn't earn as much now as he did when he was made redundant in 04 - but he goes to work with pride - knowing he is providing for our family.

Thank you for your good wishes. I really think this is so unfair. But I don't have a choice. If this is how government it going to treat me then next time I won't bother with such insurance. There should really be a warning from the insurance companies too. I wonder if this can be classed as miss-selling of insurance product or not. They should really inform people at the time of purchase that their future benefit claims WILL be affected.

devildog

I don't know how much rules and regs have changed in the past 10 years or so but when oh claimed he receivedJSA (based on NI contributions paid) He also received an income from a mortgage protection insurance which didn't affect how much jsa he received, however it did mean that he was not entitled to help with council tax etc.

wobblymummy

Hi

You should get Cont based JSA for the first 6 months as it is based on contributions not income, then it will go onto income based.
I had mortgage protection and didnt qualify for JSA after 6 months because husband was working, I was unemployed for just over a year in total. I claimed for a years mortgage 50% payment but didnt get any JSA after 6 months wasnt entitled to council tax benefit

Sixer

echoes008 wrote: »

According to this website if you have private pension or something like that then you don't have contribution based JSA.. So its possible that income from insurance is classed as earnings.

turn2us.org.uk

This is horrible.. You may work all your life, you don't get any help from government when you lose your job because you have paid for pension or paid for insurance premiums.

But professional work shy benefit scroungers can continue to claim all their life.

Our benefit system really rewards hard work.. NOT...

If you have reached state retirement age, you no longer pay NI contributions - this is why pensioners who have been working aren't eligible for contribution-based JSA: they haven't been paying NI to qualify for it. The NI contributions paid by the self-employed also don't qualify for contribution-based JSA.

Even so, IF you qualify for contribution-based JSA, it is not a means-tested benefit and your income protection insurance payments won't affect it. Your other income isn't relevant. You could, for example, have a partner with a good job who is paying higher rate income tax - you would still get it.

I'm not sure what happened to Kazzah and her family, but contribution-based JSA is not means-tested.

kazzah60

well I thought it was completely wrong too Sixer- but the DWP were adamant that hubby was NOT eligible - I appealed their decision and it still came back the same- they did say had the Mortgage protection insurance gone directly to the mortgage company he would have been eligible - but because it came into his bank account it counted as income - we tried to complain and say he should be getting contribution based JSA- but they were adamant he wasn't entitled
maybe they were wrong in our case- but it has happened to us twice now in 2004 and again 2009

sammyjammy

Kazzah it sounds like there was an issue with your husbands NI contributions, if it ever happens again then you should provide evidence by way of P60s that the relevant NI has been paid. You could probably even do that now for the claim back in 2009.

If you tell us what date he made his claim for JSA we can tell you the requirements.

noelphobic

TEDDYRUKSPIN wrote: »

If you have savings above £8k, the amount of income based JSA is reduced.

It gives you a small idea of what is happening.

I believe the figure is actually 6k and you get nothing if you have 16k plus. Unless the figures have changed very recently?

NASA_2

The only things that affect JSA(C) are earnings and Pension/Private Health Insurance.

There is no other income that will affect the payable rate.