Not enough NI contributions for JSA??

robbietrfc

Hi I was wondering if anyone can help, i finished my job last Friday (18th) due to redundancy. Having worked there sine Sept 2010.

I went online and started a claim for JSA, i had an apppointment then made with the local job centre which i attended and they said that everything should be ok and someone had done the pre check and that i would be claiming contribution based JSA.

I then signed on for the first time this Friday. I have had a letter through my door this morning saying that my claim has been rejected as i have not paid enough class 1 NI payments for the tax years 5 April 2011 and 5 April 2012.

I worked from the 7th Sept 2009 (11.50per hour on shift for 44 hours, 4 on 4 off)

I finished that job on 31/05/2010 and found my last job on the 7th Sept 2010 finishin last Friday £12.50 an hour, 37.5 hours a week.

Can they reject my claim? i did claim in 2010 for the few months i was out of work but having worked above national minimum wage i would have thought i would have easily paid enough?

Any help would be much appreciated, quite stressing.

Thanks


EDIT**
I also have a house which is morgated and live with my partner who has also been working but is currently on maternity leave (just comeing to the end of 9months next week) who has not been out of work if that has any effect.

epitome

For JSA Conts you will need to look at your P60 for tax years

April 2010 ending April 2011 <<< You should have 2 x P60 for this year having had 2 employers
and
April 2011 ending April 2012

On the P60 add up the earnings in columns 1 2 3 & 4

For the 1st tax year, the total you need to have earned is £4,850
For the 2nd tax year you need to have earned £5,100

If you have this you should get JSA Conts

Depending on your partners income you could also apply for JSA IB but you may not be entitled.

Did you claim anything between June 2010 and Sept 2010? ...I just re-read your post, as you claimed JSA for these months you will have earned a few NI credits, so for each whole week you were on JSA you can credit your earnings for that tax year with £97.... so you don't need to have earned the full £4,850.... you can phone NI contributions and ask them if they can tell you how many JSA NI credited weeks you got during that year.

sammyjammy

Your claim has not been rejected. You can still claim and get your National Insurance credited.

There are two types of JSA, the first, which is what the letter is about, is based on your paid Class 1 NI contributions in the tax years 10/11 and 11/12. They are telling you that on the year April 2011 to April 2012 you have not earnt a sufficient amount and paid the required contributions. If you think this is incorrect you can provide them with P60s for that year which provide the info they need.

Assuming your partner is getting maternity pay you'll not be entitled to means tested JSA.

robbietrfc

epitome wrote: »

For JSA Conts you will need to look at your P60 for tax years

April 2010 ending April 2011 <<< You should have 2 x P60 for this year having had 2 employers
and
April 2011 ending April 2012

On the P60 add up the earnings in columns 1 2 3 & 4

For the 1st tax year, the total you need to have earned is £4,850
For the 2nd tax year you need to have earned £5,100

If you have this you should get JSA Conts

Depending on your partners income you could also apply for JSA IB but you may not be entitled.

Did you claim anything between June 2010 and Sept 2010? ...I just re-read your post, as you claimed JSA for these months you will have earned a few NI credits, so for each whole week you were on JSA you can credit your earnings for that tax year with £97.... so you don't need to have earned the full £4,850.... you can phone NI contributions and ask them if they can tell you how many JSA NI credited weeks you got during that year.

Thanks for the info, i cant find the P60 for the employment that would have run two months into the tax year which is strange as i am very good with keeping stuff, i do however have all my payslips from that period. I signed on June 2 2010 qnd off on Sept 19th 2010 roughly 19-20 weeks, if i say 19 then thats 19*97 = £1843.

I have the P60 from the second term of employment (the one thats just finished form that period) and the four columns read from left to right £2619 £351 £7806 £0 ( i presume these are the four colums earnings at lel, earnings above lel, earnings above the ET, Earnings above the UAP).

So i would comfortably earn above the stated target, so i should just ring tomorrow and appeal, just wanted to get facts straight before i rung.

Thanks for all your help.

**EDIT

There is a fifth colum saying employees contributions due on all earnings above the ET £860.01

sammyjammy

You don't need to appeal, you just need to ring the Benefit Centre and tell them you have evidence of your earnings in the period in question, then send them in, take copies first as they have a habit of losing these things. You will only have P60 for an employer that you were working for on the 5th April in any tax year so just take your payslips for the other one.

Just so you know when you speak to them this is not the fault of the Jobcentre staff. The way this works is the JSA payment system is provided with info by HMRC which is used to calculate whether you're entitled to JSA Cont, there is no human intervention at that stage. If you provide the relevant info and they calculate that you should be entitled they can input this info manually. Because of this you should check separately with HMRC that they hold all required info from the relevant employers. It maybe that an employer has not actually paid the relevant money over to HMRC which is why the info is missing.

noelphobic

Apologies for hijacking the thread but my question is on a similar subject and the OP has had some really helpful advice so far so was hoping the favour could be extended!

I took voluntary redundancy from my job at the end of June this year, having worked there for 23 years. I'm not eligible for any means tested benefit due to the size of my redundancy payment. I haven't claimed contribution based JSA as yet because I don't want to look for work until the New Year and also because I have fallen into the 40% tax band this year for the first, and almost certainly last time.

I'm wondering how long I can leave it to claim contribution based JSA before I'm out of time and unable to claim it. I had thought that I would have to claim it in this tax year and had planned to leave it to as close to the new tax year as possible, assuming I haven't found a job by then. That way I would avoid paying 40% tax. However, I am wondering if I have miscalculated and wondered if someone could advise.

Thanks in advance for any replies.

Caz3121

If you applied now - they would use the tax years to Apr 11 and Apr 12
After January this then changes over to be Apr 12 and Apr 13 and it will not switch over again until January 15
so I believe as long as you apply before end of 2014 you should qualify based on your NI contributions in the relevant tax years

epitome

1st P60 one from the 1st employer for April - May 2010*
2nd P60 one from 2nd employer for September 2010 - April 2011*
3rd P60 one from second employer for April 2011 - April 2012
* I think you would get 2 P60 one from each employer but I'm not 100% sure.

robbietrfc wrote: »

Thanks for the info, i cant find the P60 for the employment that would have run two months into the tax year which is strange as i am very good with keeping stuff, i do however have all my payslips from that period. I signed on June 2 2010 qnd off on Sept 19th 2010 roughly 19-20 weeks, if i say 19 then thats 19*97 = £1843.

I have the P60 from the second term of employment (the one thats just finished form that period) and the four columns read from left to right £2619 £351 £7806 £0 ( i presume these are the four colums earnings at lel, earnings above lel, earnings above the ET, Earnings above the UAP).

Yes those are the 4 columns, But is that P60 the one that ends 5th April 2011? If so, then you do appear to qualify for *that* tax year. If it's not then you need to find that 2nd P60

What does your 3rd P60 for the tax year ending 5th April 2012 say? It must be enough as you were employed the whole 12 months.

There is a fifth colum saying employees contributions due on all earnings above the ET £860.01

I **think** that's irrelevant but I'm not sure.

Phone up JSA and ask for a callback from a "New Claims - Relevant Income Tax Year Decision Maker" Don't accept anything less than a callback, the people on the front lines may not understand. If you are to send the documents try to get an appointment at a jobcentre to send copies rather than you sending your originals.

chrisbur

epitome wrote: »

* I think you would get 2 P60 one from each employer but I'm not 100% sure.

There would be no P60 from the first employer as they are issued only to people who are employed as at 5 April each year, hopefully you have old payslips that will give the required details.

epitome

noelphobic wrote: »

Apologies for hijacking the thread but my question is on a similar subject and the OP has had some really helpful advice so far so was hoping the favour could be extended!

I took voluntary redundancy from my job at the end of June this year, having worked there for 23 years. I'm not eligible for any means tested benefit due to the size of my redundancy payment. I haven't claimed contribution based JSA as yet because I don't want to look for work until the New Year and also because I have fallen into the 40% tax band this year for the first, and almost certainly last time.

I'm wondering how long I can leave it to claim contribution based JSA before I'm out of time and unable to claim it. I had thought that I would have to claim it in this tax year and had planned to leave it to as close to the new tax year as possible, assuming I haven't found a job by then. That way I would avoid paying 40% tax. However, I am wondering if I have miscalculated and wondered if someone could advise.

Thanks in advance for any replies.

Sorry I don't understand, Are you already in the 40% tax band for this tax year or not?

If you're not, are you are thinking that £71.70 between now and April 5th 2014 will put you in that bracket? I'm not sure of the consequences for you of having that happen.

But just from a point of view of "claiming JSA", I'll leave the consequences of claiming for tax purposes out of the equation.......


If you claim this year they will use tax years 10/11 and 11/12 to assess your claim and it would be exactly as described for the previous poster.

Having taken voluntary redundancy, you may not be eligible to JSA, that would be decided by DWP. If you're not eligible, you would have a 6 month sanction presumably running from the date of end of your employment...and for any subsequent claim using the same 2 tax years you would not be paid. But you could then claim again in 2014 and be ok..

But if you claim from the 2nd week in January 2014 onwards they would use tax years 11/12 and 12/13 and you would have similar amounts to have earned

£5,100
&
£5,350 ish

You can leave it till 2014 to claim, no problem. Having claimed JSA C now or in 2014 and your 6 months JSA payments finishes, you can sign off for 12 weeks and 1 day and then claim again to start in the following calander year from the start date of your previous claim. So if you claim early 2014 you will get 6 months then sign off, then claim again in 2015 but at least 12 weeks and 1 day after the old claim closed...

In 2015 they would use tax years 12/13 & 13/14 and you would have to have earned

5,350 ish
&
5,600 ish <<< as you finished in June 2013 you may not qualify.

Usually people who have worked for many years can easily qualify for 2 or 3 periods of JSA. In your case you are giving up on the 1st possible period, so you will be starting on period 2 and maybe getting period 3.

And of course you will most likely find work instead of the 3rd period of JSA.

epitome

chrisbur wrote: »

There would be no P60 from the first employer as they are issued only to people who are employed as at 5 April each year, hopefully you have old payslips that will give the required details.

Thanks for that, but that would mean the 1st employer would have issued a P60 as he was employed with them on the 4th/5th/6th April 2010

The second employer for the 1st tax year then would not have issued a P60 for 10/11 as he was not with them in April 2010?

This would mean the P60 he has quoted from is the 3rd one on my list.