URGENT!!!! Please help me re income based JSA & mortgage payment protection insurance

suelees1

You might still be entitled to JSA anyway. It'll depend on how much this extra income is.

mapleleaf1010

Adereterial wrote: »

The Jobcentre should be able to provide you with fortnightly proof that you're continuing to sign on despite not being in receipt of income. Your insurer should accept this.

Not too sure my insurer will accept this. Anyway, the Job Centre will contact me again soon to give me some more information on whether JSA will be reduced/stopped. I don't really want to contact my insurers before I have this info.

Thanks to all who replied.

Killmark

mapleleaf1010 wrote: »

Not too sure my insurer will accept this. Anyway, the Job Centre will contact me again soon to give me some more information on whether JSA will be reduced/stopped. I don't really want to contact my insurers before I have this info.

Thanks to all who replied.

If your claim is changed from CB JSA to Income Based JSA and your MPPI is greater than the JSA payments, minus any disregards then it will have the effect of nilling any IB JSA payments, however you should still get NI credits.

You should be able to submit the confirmation of benefit letter you receive once the claim is processed and this will state they can't pay you because you have too much income coming in but would still be eligible for NI credits. The insurer should accept this plus other evidence that your MPPI claim requires.

I'm assuming your MPPI lasts for a year? This would be a common scenario for the insurer as CB JSA can only be paid for a maximum 6 months.

dunstonh

If PPI payments are made directly to the debt (i.e. from insurer to mortgage) then they cannot be included as income. If it is paid into your account first then it is included as income.

It may be worth asking the insurer if they can pay direct to lender.

suelees1

dunstonh wrote: »

If PPI payments are made directly to the debt (i.e. from insurer to mortgage) then they cannot be included as income. If it is paid into your account first then it is included as income.

It may be worth asking the insurer if they can pay direct to lender.

I understand it's the amount they're paying on top of the mortgage which is classed as income which it actually is if you're claiming means tested benefits.