CJSA and Income Protection

princessdon

Can any of you knowledgeable people please explain who Cont Based JSA and Income Protection works.

Ie If you are made redundant - When are you entitled to claim. Is this from the end of your redundancy pay, Eg if you are paid 14 weeks is it 14 weeks from end of redundancy or when you are "dismissed".?

How does Income Protection work - Do you need to wait until you have the JSA stamp and letter before you submit a claim?

If worse comes to worse and after 26 weeks of JSA no employment is found how can you claim on Income Insurance if they need JSA evidence and you are not signing on as Cont based has ended?

Final question. If hypothetically someone has been been paying NI for over 20 years and takes Cont JSA for 2 mos then say gets employment for say 3 mos on a short term contract how much Cont JSA are permitted. Is it only 4 mos (they took 2 of the 6 earlier) or if they paid a lot of NI in those 3 mos of temp employment does it go back to the 6 mos again? Ie what is the re-qualifying period?

I am *hitting and running* but will read replies tomorrow.

Thanks

HappyMJ

princessdon wrote: »

Can any of you knowledgeable people please explain who Cont Based JSA and Income Protection works.

Ie If you are made redundant - When are you entitled to claim. Is this from the end of your redundancy pay, Eg if you are paid 14 weeks is it 14 weeks from end of redundancy or when you are "dismissed".?

How does Income Protection work - Do you need to wait until you have the JSA stamp and letter before you submit a claim?

If worse comes to worse and after 26 weeks of JSA no employment is found how can you claim on Income Insurance if they need JSA evidence and you are not signing on as Cont based has ended?

Final question. If hypothetically someone has been been paying NI for over 20 years and takes Cont JSA for 2 mos then say gets employment for say 3 mos on a short term contract how much Cont JSA are permitted. Is it only 4 mos (they took 2 of the 6 earlier) or if they paid a lot of NI in those 3 mos of temp employment does it go back to the 6 mos again? Ie what is the re-qualifying period?

I am *hitting and running* but will read replies tomorrow.

Thanks

It depends on the insurance company. You should get 6 months of contributions based benefits as well as you income protection payment. At the end of the six month the income protection payment wil reduce your income based jsa payment to zero but you will still get credit for NI for pension purposes and that is the evidence the insurance company requires even though it feels like you are signing on for nothing.

The qualifying period is 1 six month period on CB JSA in the benefit year Jan-Dec based on the last 2 tax years of contributions. You will have linking between claims if you are in a job for a short period so the 6 months won't start again until you are in work for 6 months. You will get the remainder of the original 6 months if you didn't use it all up.

princessdon

I see, so in order to get the insurance I have been paying for I need to sign on and receive no money? I guess that makes sense as they say they need proof of job search etc.

Would they allow me to sign on if not eligible?

I know this is all 6 mos away, just trying to work something and what if's out and after reading the documentation it states I need to send photocopies of my JSA record, so my main concern was that I am entitled to 12 mos insurance but only 6 mos JSA so was concerned I'd loose the 6 mos insurance.

HappyMJ

princessdon wrote: »

I see, so in order to get the insurance I have been paying for I need to sign on and receive no money? I guess that makes sense as they say they need proof of job search etc.

Would they allow me to sign on if not eligible?

I know this is all 6 mos away, just trying to work something and what if's out and after reading the documentation it states I need to send photocopies of my JSA record, so my main concern was that I am entitled to 12 mos insurance but only 6 mos JSA so was concerned I'd loose the 6 mos insurance.

Yes you are eligible for NI contributions even if you get no money. You get both for the first six months and just the insurance for the next 6 months then the JSA(IB) and mortgage interest for the next 2 years. Then you need to make a choice to sell or do something else.

princessdon

Thank You that is a lot clearer.