Jobcentre asking for my payslip for fathers JSA claim

eman_resu

Hi

So, for the first time in his working life at the age of 63 my father has been made redundant. It came at short notice and suffice to say he's not taking it well being unemployed for the first time but has to worry about his mortgage protection insurance and so is signing on.

He registered online and was called with an appointment date and time to attend an interview, however we've just had a call from them tonight in which among other things they've asked for a copy of *my* payslip and proof of how much board I pay each month.

The loss of his job is already putting a massive financial strain on things and I'm doing what i can to help, but it almost sounds like my being in the house will affect his entitlement to JSA.

Aside from the massive impact being unable to claim full JSA will have on my parents, if he doesn't sign on he won't be able to claim on the mortgauge protection insurance and then they'll be looking at losing their home.

Are they really entitled to ask for my payslip and what will happen if he doesn't take it with him?

tomjonesrules

It will not affect his JSA claim, but it will affect his entitlement to Council Tax Benefit (a deduction will be made depending on how much you earn). If you do not supply the payslip the maximum deduction will automatically be made.

eman_resu

Thanks for the quick reply.

Much to my shame my wage falls short of what his was and although I'm working all the overtime I can in order to cover whatever bills I can, it still isn't enough to keep us going if he can't claim JSA and the mortgage protection.. and even then it'll be a struggle. We hadn't even got round to considering council tax benefit, we're just trying to get by until another job comes by.

Edit: damnit, my most recent payslip is totally out of whack with my usual wage because of the overtime I put in that month. That's going to screw us even more isn't it?

tomjonesrules

If you are on a low wage the reduction in CTB will not be massive, but definitely best to be upfront with them about your earnings.

Does the mortgage protection cover the mortgage payment? If not, there may be further help available after thirteen weeks.

real1314

A non-dependant deduction might also apply to any mortgage payments from JSA/DWP.
:cool:

McKneff

real1314 wrote: »

A non-dependant deduction might also apply to any mortgage payments from JSA/DWP.
:cool:

I was reading that the mortgage protection was a private arrangement.

tomjonesrules

real1314 wrote: »

A non-dependant deduction might also apply to any mortgage payments from JSA/DWP.
:cool:

I'd not got to that bit yet, was waiting to see if the mortgage was covered!

zzzLazyDaisy

eman_resu wrote: »

Aside from the massive impact being unable to claim full JSA will have on my parents, if he doesn't sign on he won't be able to claim on the mortgauge protection insurance and then they'll be looking at losing their home.

Even if he was not entitled to any money, your father can still sign on for JSA for his NI contribution, which should be enough to satisfy the insurer

eman_resu

tomjonesrules wrote: »

If you are on a low wage the reduction in CTB will not be massive, but definitely best to be upfront with them about your earnings.

Does the mortgage protection cover the mortgage payment? If not, there may be further help available after thirteen weeks.

It covers the Mortgage (just) but he has to be out of work for at least 2 months before they'll begin to pay anything.

McKneff wrote: »

I was reading that the mortgage protection was a private arrangement.

You're right. It's a private insurance policy.

suelees1

He should be able to claim Pension Credit due to his age but this will depend on any other income or savings which your parents have.

If he does then there is no waiting period for housing costs if and when the mortgage protection ends or is invalid

If the mortgage protection is only paid if he is signing as actively seeking work then he should look at ways to claim both PC and JSA. Perhaps he could claim JSA and your mum claim PC ??

anmarj

suelees1 wrote: »

He should be able to claim Pension Credit due to his age but this will depend on any other income or savings which your parents have.

If he does then there is no waiting period for housing costs if and when the mortgage protection ends or is invalid

If the mortgage protection is only paid if he is signing as actively seeking work then he should look at ways to claim both PC and JSA. Perhaps he could claim JSA and your mum claim PC ??

the PC would take the JSA into account as income if he got JSA Contribution based, if he got JSA (IB) then no claim to PC can be made as it is "same" benefit