IbJSA PASSPORT TO FULL TAX CREDITS OR NOT?

Cookieraider_2

Hubby made redundant and now claiming IbJSA does this passport us to Full tax credits? When I phoned they said NO. (He's earnt 35k this year before loosing job)

We are in the process of claiming DLA for a child (and poss CA) but can take 3 months. Also looking into Inome support...

I work 10 hours a week self employed earning aprox £60 a week (varies as its new business)

We have 2 children and struggling with bills...

HappyMJ

Tax credit's are calculated on an annual basis....Although you should get tax credits based on reduced income. Are you sure it's income based JSA it should normally start with contributions based JSA.

Cookieraider_2

HappyMJ wrote: »

Tax credit's are calculated on an annual basis....Although you should get tax credits based on reduced income. Are you sure it's income based JSA it should normally start with contributions based JSA.

Yes because I earn so little - isnt it contribution based (as he had built up enough NI) with income based topped up? I dont know I dont understand it.

HappyMJ

Cookieraider wrote: »

Yes because I earn so little - isnt it contribution based (as he had built up enough NI) with income based topped up? I dont know I dont understand it.

You earn plenty. Contributions based JSA do not passport to other benefits as you can claim it having more than enough money (let's say £20,000) in your bank account. He should either get £71.00 a week on contributions based JSA or on income based JSA the both of you get £111.45 minus £60 plus £10... £61.45 a week.

Cookieraider_2

Yes it's £111 a week minus my money for his income based JSA.

I was obviously given the wrong advice then (from a helpline)

Scary times with no savings, kids & house to pay for!!

pmlindyloo

If you have no savings then your OH will have been placed on contribution based JSA (if he has sufficient NI contributions) but will also have an entitlement to income based JSA.

From what you say your entitlement as a couple has been reduced by your income so everything seems OK as regarding the JSA.

However, you cna also apply for Council tax Benefit separately. if you are renting then you can apply for Housing Benefit (Look up on your local council website how to do this and what your local housing allowance is)

If you have a mortgage then you may be entitled to some help with your mortgage called Support for Mortgage Interest (SMI) - again google for information about this. This does not 'kick in' until after 13 weeks of claiming JSA.

The previous poster is right when they say that eligibility for tax credits are based on the previous tax year's income. It is unlikely that you would be entitled on your previous income. However, instaed of asking them if you are entitled to tax credits you need to ask them if you can apply based on an estimation of next years income and explain the circumstances.

In the meantile, if you have a mortgage phone the mortgage company and tell then about your OH's redundancy and how you are struggling. Thye may be able to offer you a apyment holiday or come to some arrangement.

Likewise, if you are having difficulty paying bills let the creditors know. They would far rather you informed them than be ignored. You will find most of them can be helpful.

You may need to consider looking for a job yourself rather than just your husband - as they say, every little helps.

Have a good read of this website to see how you can reduce your expenditure.

Good luck!

Cookieraider_2

pmlindyloo wrote: »

If you have no savings then your OH will have been placed on contribution based JSA (if he has sufficient NI contributions) but will also have an entitlement to income based JSA.

From what you say your entitlement as a couple has been reduced by your income so everything seems OK as regarding the JSA.

However, you cna also apply for Council tax Benefit separately. if you are renting then you can apply for Housing Benefit (Look up on your local council website how to do this and what your local housing allowance is)

If you have a mortgage then you may be entitled to some help with your mortgage called Support for Mortgage Interest (SMI) - again google for information about this. This does not 'kick in' until after 13 weeks of claiming JSA.

The previous poster is right when they say that eligibility for tax credits are based on the previous tax year's income. It is unlikely that you would be entitled on your previous income. However, instaed of asking them if you are entitled to tax credits you need to ask them if you can apply based on an estimation of next years income and explain the circumstances.

In the meantile, if you have a mortgage phone the mortgage company and tell then about your OH's redundancy and how you are struggling. Thye may be able to offer you a apyment holiday or come to some arrangement.

Likewise, if you are having difficulty paying bills let the creditors know. They would far rather you informed them than be ignored. You will find most of them can be helpful.

You may need to consider looking for a job yourself rather than just your husband - as they say, every little helps.

Have a good read of this website to see how you can reduce your expenditure.

Good luck!

Thank you. We are claiming for Council tax benefit.

I will phone HMRC and ask them to base it on next years income and see if it changes. Thank you

I am currently trying to set up my own business - self employed.

DLA should help us, but it takes 3 months to go through. But I believe I can claim Income support whilst the decision is being made...

pmlindyloo

Cookieraider wrote: »

Thank you. We are claiming for Council tax benefit.

I will phone HMRC and ask them to base it on next years income and see if it changes. Thank you

I am currently trying to set up my own business - self employed.

DLA should help us, but it takes 3 months to go through. But I believe I can claim Income support whilst the decision is being made...

As far as I am aware you can not claim Income Support when you are on JSA.

See here:

https://www.gov.uk/income-support/eligibility

miduck

Cookieraider wrote: »

DLA should help us, but it takes 3 months to go through. But I believe I can claim Income support whilst the decision is being made...

DLA would be for your child's care and mobility needs, not to supplement your household income.

pmlindyloo is correct, IS is for lone parents and those in receipt of Carers Allowance.

Cookieraider_2

pmlindyloo wrote: »

As far as I am aware you can not claim Income Support when you are on JSA.

See here:

https://www.gov.uk/income-support/eligibility

yes it does say that doen't it.

I wonder if claiming DLA & CA its different?

miduck

Cookieraider wrote: »

yes it does say that doen't it.

I wonder if claiming DLA & CA its different?

You would receive IS or JSA, not both.