Is this correct?

elainec

Hi, I was wondering why we do not get any help apart from child benefit?
I work full time and earn £19,000.
My husband was self-employed but has had no work since end of March 2015, he tried to claim jsa but not entitled to IB JSA due to my income and CONT JSA as he was self-employed. He has been signed on but only gets NI stamp.
We have 1 child who we were paying £450/month childcare but have reduced this to £150 until he goes to school after summer.
We get child benefit.

I called tax credits as we have a claim but not getting any payments. They advised we were entitled to £190 only for the year which we are not getting due to a £350 over payment from 2 years ago.

So for a family of 3 we are living off £1380/month (my wage and child benefit)

Does this seem right?

moomoomama27

No doesn't sound it at all.

You should be geting about £56 a week according to the nefits calculator.

Go here and check and then call HRMC and make a claim for child tax credits.

http://www.entitledto.co.uk/benefits-calculator/entitlement-calculator.aspx

elainec

thanks for your reply, i did a calculation myself and it was coming out about £50/week in tax credits so i have put in a written reconsideration notice. as not sure where they get their figures from!

patman99

I think the problem is that as a self-employed person not paying full NI, he would not be entitled to Contrib JSA.

With you working, your income is taken into account for Income based JSA. Hence, he gets nothing.

I have a friend who, when he went S/E in 2010, took advice and paid full NIC on his earnings as if he was PAYE. All his other S/E mates thought he was mad until the work dried-up for a while and he was able to get full benefits.

elainec

blondebubbles wrote: »

What was the household income for last year (2014/15)?

Last yea, we estimate about £34,000, this year at moment my salary only £19,000

elainec

patman99 wrote: »

I think the problem is that as a self-employed person not paying full NI, he would not be entitled to Contrib JSA.

With you working, your income is taken into account for Income based JSA. Hence, he gets nothing.

I have a friend who, when he went S/E in 2010, took advice and paid full NIC on his earnings as if he was PAYE. All his other S/E mates thought he was mad until the work dried-up for a while and he was able to get full benefits.

Didn't know this was an option, mightllook into this if he starts self-employment again.
Seems crazy as he is self-employed he actually pays two types of NI, the set one every 4months (think NI2)and then the one through his tax return based on his income (think NI4)

Caz3121

elainec wrote: »

Last yea, we estimate about £34,000, this year at moment my salary only £19,000

the problem will be not knowing what you expect his income to be this year
Due to the disregard they would currently assess you on an income of £24k (£19k+£5k disregard) as the cutoff for one child is around £26k...if he gets a little work then you would need to pay it all back

There is no help from tax credits for childcare unless you are both working over 16 hours per week

NI for JSA needs to be class 1 as an employee (might work if it was a limited company where you are actually an employee of your company rather than a sole trader)
self employed NI do count for contribution based ESA however if he was unable to work due health

Fletch636

Hi all, sorry to jump on this post, I'm new to this site and I'm not sure how to start a new thread!
I was wondering if anyone could help me with my tax credits entitlement this year.

So, I have a partner and 2 children and last year (14/15) our joint income was £25,900, the year before it was £19,248 and this year i estimate it to be £29,000.

When I received the "annual review" form last month, our tax credit payments have been altered and based on the £25,900 figure from last year (as expected)
My question is....do I call them and tell them about this years estimated income rise or will that be taken into consideration next tax year?

Thankyou