Wife being made redundant at 56

redmalc

My wife has worked all her life,she is on notice to be made redundant in a few weeks,will be able to claim JSA for 6 months then given our financial position i do not think we will be able to claim anything.
Is there anything i need to do regarding her state pension,like paying her NI,any advise will be a help
Thank you

alfiesmum

If she's worked all her life and paid NI, she may already have enough contributions for a full state pension (I think it's 30 years?). If she does need more years, then self employed is only £2.50 per week, if she has an idea of possible self employment in mind?

eamon

Signing on counts towards NI contributions. So make sure your wife signs on and continues to do so even if at the end of 6 months she is still job seeking and moves to Income Support (or whatever it is called by then) when she will probably get nothing as you are working and/or have other financial resources. Also JSA and Income Support triggers other benefits such as free prescriptions. If you post on the benefits board other people have more knowledge. Lastly tell her not to feel guilty about claiming all & everything that she may be entitled to. MP's don't have any trouble doing this.

agrinnall

Get a state pension forecast to see if she does already have enough contributions http://www.direct.gov.uk/en/Pensionsandretirementplanning/StatePension/StatePensionforecast/DG_10014008

If she does need more then she will be receiving NI credits while being paid contributions based JSA, and after 6 months she can still register for JSA and get NI credits even if she can't get any money (although she will need to be actively seeking work).

Torry_Quine

eamon wrote: »

Signing on counts towards NI contributions. So make sure your wife signs on and continues to do so even if at the end of 6 months she is still job seeking and moves to Income Support (or whatever it is called by then) when she will probably get nothing as you are working and/or have other financial resources. Also JSA and Income Support triggers other benefits such as free prescriptions. If you post on the benefits board other people have more knowledge. Lastly tell her not to feel guilty about claiming all & everything that she may be entitled to. MP's don't have any trouble doing this.

She will get nothing after 6 months due to the OP's wage but if eligible it would still be JSA but income related. Her NI will still be paid though. However only JSA income related gets free prescriptions.

Hopefully though she'll get ajob before then though.

redmalc

Thanks for all the responses,we will not be able to claim anything after the six months JSA given our financial status.
I will be getting all we are entitled to,dont worry,as they say we have paid enough into the system and its about time she had a bit back.
I think i will go into the local pub one lunchtime and get to know the regulars who never work but some how live ok for a few tips from the Benefits Arms.
Thank You

whiskyman

Just a quick note. There are more than one part to state pensions for contributions paid now. There is the basic and then there is state second pension. If you wife continues to sign on she will not get any money but she will get NI credits which will count towards the state pension and state second pension. The state second pension in this situation is worth around £2 per week extra for every years credits when she retires.
Self employed stamp only counts towards basic pension.