Can I claim back national insurance?

DazzaMc

I'm saying it's unfair because there are lots of weeks I don't earn anything. No need for people to get tetchy!

BobQ

DazzaMc wrote: »

So it is charged based on what you earn during that week? Regardless of how little you earn over the year? I find that unfair? Can you apply for exemption like with class 2?

I am not self employed, I have 2 jobs but it is only part time while I am uni so don't earn much.

If you have two jobs make sure that you only pay NI on the joint income not on each job.

You should not object to NI since it builds up your entitlement to a state pension and some other benefits.

DazzaMc

How is it worked out? A percentage of what you earn if you earn over £149?

suso

BobQ wrote: »

If you have two jobs make sure that you only pay NI on the joint income not on each job.

You should not object to NI since it builds up your entitlement to a state pension and some other benefits.

NI is worked out on each job, you can earn upto £149 pw at each job before you pay it.

So if you have 2 jobs, you could potentially earn nearly £300 pw before you pay it.

Whereas someone that earns the same at only one job, pays it on any earnings above £149 pw,

Now thats unfair.

BobQ

DazzaMc wrote: »

How is it worked out? A percentage of what you earn if you earn over £149?

12% of income in the pay period.

https://www.gov.uk/national-insurance/overview

Follow the link to how much.

There is also some useful advice on the NUS website about tax and NI with links elsewhere. Try googling students and tax or students and NI.

zygurat789

suso wrote: »

NI is worked out on each job, you can earn upto £149 pw at each job before you pay it.

So if you have 2 jobs, you could potentially earn nearly £300 pw before you pay it.

Whereas someone that earns the same at only one job, pays it on any earnings above £149 pw,

Now thats unfair.

That's because they were devised by politicians and civil servants, very few of whom are accountants

BobQ

suso wrote: »

NI is worked out on each job, you can earn upto £149 pw at each job before you pay it.

So if you have 2 jobs, you could potentially earn nearly £300 pw before you pay it.

Whereas someone that earns the same at only one job, pays it on any earnings above £149 pw,

Now thats unfair.

It would be if correct. You may be an expert, but this is not what it states here. Or am I misunderstanding something?

http://www.hmrc.gov.uk/payerti/employee-starting/special-situations/multiple-jobs.htm#1

System

It is worked out on each job unless all jobs are with the same employer or the employers are associated with each other

BobQ

!!!!!! wrote: »

It is worked out on each job unless all jobs are with the same employer or the employers are associated with each other

So are you saying that employers ignore the HMRC rules by claiming its never practical to cooperate in aggregation?

Now that is unfair!

chrisbur

BobQ wrote: »

So are you saying that employers ignore the HMRC rules by claiming its never practical to cooperate in aggregation?

Now that is unfair!

If the employers have no connection then they should treat each payment as if it was the only payment, but if the employers are connected or it is two wages from a single employer then these wages should be added together to work out the NI, unless that cannot be done then it goes back to being treated as if each payment was the only payment.