I don't claim benefits, don't work either - what to do ?

macintosh-uk

I can't claim - i have too much savings.

Someone in the pub said I might need to get national insurance credits ?

What are they ?
Do I have to claim them ? Do I Have to go to the jobcentre , preferably I wouldn't want to.

If I haven't claimed them , do I have to repay them ? and how much roughly would I have to pay back ?

LadyMissA

macintosh-uk wrote: »

I can't claim - i have too much savings.

Someone in the pub said I might need to get national insurance credits ?

What are they ?
Do I have to claim them ? Do I Have to go to the jobcentre , preferably I wouldn't want to.

If I haven't claimed them , do I have to repay them ? and how much roughly would I have to pay back ?

You can't get them as you have savings yet you are old enough to go to the pub but it seems you have never had a job nor do you have any idea as to what NI contributions are!?

I think this post is a joke surely!

macintosh-uk

Oh please .

I am 22, I have over the allowed limit to claim anything.

I was told I should be getting NI credits, regardless of my situation.

I want to know if this is true, if I have to pay any credits back, and if I should even be claiming them.

macintosh-uk

I was told it was to do with the NHS, that I may not get treatment if they don't have my contributions ??

But like I said, I am unemployed, and am not claiming JSA.

What is my situation ?

LadyMissA

you are not working but have saved enough to not be allowed to claim yet tell us you know nothing about NI

You do not need to pay NI EVER to get NHS treatment

macintosh-uk

A deceased relative gave me the savings.

I have worked on and off short term jobs.

Like I said, I don't know what the NI credits are and if I should claim them, or be getting them.

briona

NI credits are payments made by the DWP (I think?) for people who aren't making their own NI contributions through employment or voluntary payments. However, to be eligible you have to meet certain criteria.

For more information, see http://www.direct.gov.uk/en/MoneyTaxAndBenefits/Taxes/BeginnersGuideToTax/NationalInsurance/IntroductiontoNationalInsurance/DG_190059

Evilm

NI Credits are about your pension. If you don't pay enough years of NI credits they (certainly used to) say you weren't allowed a full pension unless you paid them up.

It is also used to check your rights to get Contribution based Jobseekers which you can claim for 6 months if you'd paid enough contributions in the prior two tax years.

Its not linked to NHS treatment at all.

Emmzi

sign on and get your pension stamp paid. you will need to endure the job centre but you'll be glad when you are 70.

yvonne13_2

Instead of getting advise of someone in the pub why don't you contact the benefits people and ask yourself.

heretolearn_2

You do sound a bit confused but if you haven't ever really been in the system then it's unfair of people to be mean about that. We were all young and ignorant once!

Some of your confusion comes from tax credits - this is a benefit that is paid to you. NI credits are not paid to you, even though the name is similar, so there's never anything to be repaid. OK?

Your NI contributions made throughout your working life pay towards all sorts of things but most importantly from your point of view, your state pension. If you have not made enough NI contributions, you are not eligible for a full (or any) pension. So if you are not paying through work, it's recommended that you either claim JSA just for the NI credit you get (ie they credit your national insurance account records with a payment each week), or pay voluntarily.