what gets deducted?

wilkies5

My 18yr old son, who struggles with learning difficulties, has managed to secure two one-day a week jobs on a regular basis. These pay out every four weeks into his bank account. He also does another day, voluntarily, in a charity shop. He was on JSA but that is no longer the case as they deducted what he earned in a week from his weekly allowance - reducing it to zero. Fair enough.
My question relates to National Insurance contributions. Which employer would deduct his contribution, when he doesn't earn over £50 from either of them?
Does he have to make voluntary NI contributions to begin paying a stamp? How would he do that?

Many thanks for your replies.

Savvy_Sue

Neither employer would pay his stamp: if he remained signed on then he would get NI paid, even if he wasn't getting any money.

I think he can pay his own stamp voluntarily in arrears, might be best to save a bit, wait for a letter to say which years he doesn't have credits for and pay some then?

ohreally

So not only is the lad woring for nothing, he additionaly has to pay his national insurance stamp as well?

I think a trip to CAB and a word in MP's ear may be in order as this can't be acceptable.

anamenottaken

ohreally wrote: »

So not only is the lad woring for nothing, he additionaly has to pay his national insurance stamp as well?

I think a trip to CAB and a word in MP's ear may be in order as this can't be acceptable.

Whatever do you think a "trip to CAB and a word in MP's ear" would do?

Unless both paid jobs are each 8 hours a day (after allowing for lunch breaks) and are not for the same employer, then neither job should incur NI payments (unless the hourly rate was high) but it would still enable the OP's son to sign on as unemployed and thus receive NI credits even if they do not receive any JSA.

Obviously they should still be seeking other paid work. The unpaid charity shop work is something which could be dropped if paid work was found and therefore those hours don't count in the 16 a week limit.

ohreally

anamenottaken wrote: »

Whatever do you think a "trip to CAB and a word in MP's ear" would do?

CAB can conduct a benefit assesement and help ensure maximisation of income through available benefit take up.

MP, to discusss where govnt policy can leave a young man, who may be a vulnerable person due to learning difficulties, in worse-off situaton moving from JSA into work.

This individual should be supported to ensure any work oportunites pay and don't come at a financial cost to him.

wilkies5

Thanks for your concern 'ohreally' but my son is being paid for the two days of work he does: totalling 15hrs a week. Yes I have also been told if he continues to sign for JSA he will receive a NI stamp but we live 10 miles from the JobCentre Plus and as my son's appointee I am required to attend with him. This proves impossible, as I work and his signing-on time conflicts with that!!
I will investigate whether he can pay a voluntary stamp (like self-employed people).
Does anyone know if being in receipt of DLA offers any answers here?
He seems caught between a rock & a hard place at the moment as he clearly CAN hold down work. If he claimed ESA, his stamp would be paid and he wouldn't be working at all! The irony isn't lost on me here. Many thanks for your contributions.

wilkies5

Just rang the National Insurance helpline and explained the dilemma. Operator explained my son can claim Working Tax credits which will pay his stamp! He works 16hrs a week and has a disability, and so I was advised to encourage him to apply for WTC.
Many thanks for your feedback

hcb42

ohreally wrote: »

So not only is the lad woring for nothing, he additionaly has to pay his national insurance stamp as well?

He is not working for nothing, the OP states he gets paid from these employers every four weeks

ohreally

hcb42 wrote: »

He is not working for nothing, the OP states he gets paid from these employers every four weeks

wilkies5 wrote: »

He was on JSA but that is no longer the case as they deducted what he earned in a week from his weekly allowance - reducing it to zero.

He's working for nothing - he came of JSA to take a job which has seen this allowance removed, now in addition he has no NI stamps made. Bad enough for any individal, worse for someone with learning difficulties.

He has been placed in a financialy disadvantaged position by making this move into work.

agrinnall

ohreally wrote: »

He has been placed in a financialy disadvantaged position by making this move into work.

In fact you have no idea whether this is true or not, because you don't know how much he is earning at the two jobs, other than neither pay more than £50 per week. So he could be earning £98 a week, which is more than he'd be getting from JSA, even if voluntary NI contribution was made.

McKneff

wilkies5 wrote: »

Just rang the National Insurance helpline and explained the dilemma. Operator explained my son can claim Working Tax credits which will pay his stamp! He works 16hrs a week and has a disability, and so I was advised to encourage him to apply for WTC.
Many thanks for your feedback

Thanks for the update, glad he has got it sorted and it helps others who may find themselves in the same position.

Good luck to you both.