Not enough NI contributions for JSA??

sammyjammy

There will be no leaving Voluntarily sanction applied to those who have left employment through Redundancy voluntary or compulsory.

noelphobic

epitome wrote: »

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

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. Which would mean you would have a very narrow window to make a new claim after the 6 months is up and before the first Monday in January, January 6th 2014 in order to use those 2 tax years.

And then if you did that, would they allow you to have JSA C on the same 2 tax years that you would have incurred a sanction on for taking voluntary redundancy? I don't know.

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.

Yes, I already am in the 40% tax band, just about. A colleague who left at the same time as me has been awarded JSA so hopefully a sanction wouldn't be applied, although I realise there is no way of knowing for sure without actually claiming and seeing what happens. If they do apply a sanction would that start from when I started claiming or from when I'd finished work? So if I claimed in January and they thought a six month sanction was appropriate would that mean I'd already served my time, if you see what I mean?

When you say I could sign on for six months, sign off and then on again for another six months, that would presumably mean that my NI contributions wouldn't be credited during the gap? I'm in my 50s and not sure I will have enough stamps for a full state pension so that is an issue and one of the disadvantages of me delaying a claim.

This is all much more complicated than I thought! Thanks for your advice so far.

chrisbur

epitome wrote: »

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.

Not exactly the 5 April you need to be employed at is the one at the end of the tax year not the beginning; he was employed by first employer on 5 April 2010 so would have received a P60 from them for tax year 2009/2010 but left there in May so earnings for 6 April to time of leaving in May would fall in tax year 2010/2011 and as not employed there on 5 April 2011 no P60 would be issued.
He then worked for second employer from September 2010 onwards so would get a P60 from them covering earnings to 5 April 2011 and this would be the only P60 they would receive for tax year 2010/2011.

epitome

noelphobic wrote: »

Yes, I already am in the 40% tax band, just about. A colleague who left at the same time as me has been awarded JSA so hopefully a sanction wouldn't be applied, although I realise there is no way of knowing for sure without actually claiming and seeing what happens. If they do apply a sanction would that start from when I started claiming or from when I'd finished work? So if I claimed in January and they thought a six month sanction was appropriate would that mean I'd already served my time, if you see what I mean?

I think it applies from when you left work, and if you claim later using the same 2 tax years you wouldn't get paid as you would be considered to have had your 6 months of JSA C.

When you say I could sign on for six months, sign off and then on again for another six months, that would presumably mean that my NI contributions wouldn't be credited during the gap? I'm in my 50s and not sure I will have enough stamps for a full state pension so that is an issue and one of the disadvantages of me delaying a claim.

No, you would not get NI paid while you signed off for 12 weeks.

But the purpose of this is so that you can qualify for another 6 months of JSA C should you need it....

Let me explain... because you are not eligible for JSA IB (means tested) your JSA Conts will only last 6 months then it becomes NI credits only. £0.00

Most people who find themselves in this position either luckily find work or just remain on JSA NI credits only.... They don't realise that if they signed off for 12 weeks and then came back to JSA to start in the next calandar year they could get another 6 months of JSA C.

JSA C for 6 months is 26 * 71.70 = £1864.20
12 weeks of paying your own NI credits yourself costs about £170

So you stand to gain a lot more than you will lose.

epitome

sammyjammy wrote: »

There will be no leaving Voluntarily sanction applied to those who have left employment through Redundancy voluntary or compulsory.

I read once that it depends on "Had you not taken voluntary redundancy what was the likelyhood that you would not have lost your job anyway?"

If you wouldn't have lost your job = sanction
If you would have lost it = no sanction

But It's only something I read and tht's why I said it might happen but you would have to make a claim to find out.

superwoman4

epitome wrote: »

I read once that it depends on "Had you not taken voluntary redundancy what was the likelyhood that you would not have lost your job anyway?"

If you wouldn't have lost your job = sanction
If you would have lost it = no sanction

But It's only something I read and tht's why I said it might happen but you would have to make a claim to find out.

You can claim JSA as soon as you are made redundant. Makes no difference if it is voluntary or compulsory redundancy.

rogerblack

superwoman4 wrote: »

You can claim JSA as soon as you are made redundant. Makes no difference if it is voluntary or compulsory redundancy.

The thinking behind this is simple. If a workplace is going to sack four of twelve people - four of those people are going to need to claim JSA.
Exactly which four doesn't matter - hence there is no sanction for leaving voluntarily vs being pushed.
All sanctioning people who were made VR would do would be to make it harder for employees to let people go, and convert VR into compulsory.