Income protection insurance and JSA

kazzah60

sammyjammy wrote: »

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.

Thanks for that Sammy his contributions were fine- he had no breaks from paying them from 1973 until 2004 !
the dates were March 2006 and March 2009 ( we're always wary of March now - seems to be an unlucky time for him LOL)

echoes008

Sixer wrote: »

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.

It looks like you are quite correct.. Contribution based JSA is not means tested. Here is a news story about a guy who was in exactly the same situation as I am going to find myself in. http://news.stv.tv/scotland/west-central/145857-man-denied-benefits-over-insurance-protection/

sammyjammy

kazzah60 wrote: »

Thanks for that Sammy his contributions were fine- he had no breaks from paying them from 1973 until 2004 !
the dates were March 2006 and March 2009 ( we're always wary of March now - seems to be an unlucky time for him LOL)

Ah you say no breaks until 2004, this is where the problem probably lies, making a claim in March 2006 would have meant satisfying the contribution rules for the tax years 03/04 and 04/05, in one of these years he would have had to have worked and paid 1st class NI for each and every week and for the other year he would have had to have had 1st class NI paid or credited for every week of that year. If he doesn't satisfy that then JSA C would not be payable.

echoes008

sammyjammy wrote: »

Ah you say no breaks until 2004, this is where the problem probably lies, making a claim in March 2006 would have meant satisfying the contribution rules for the tax years 03/04 and 04/05, in one of these years he would have had to have worked and paid 1st class NI for each and every week and for the other year he would have had to have had 1st class NI paid or credited for every week of that year. If he doesn't satisfy that then JSA C would not be payable.

Yes that makes sense, in that link that I posted.. Report suggests that the Scottish guy was able to receive JSA for first 6 months.