Not paying N.I.

WillowCat

steve.othen wrote: »

I actually stopped getting esa when i moved in with my partner, not married to her, the same rules apply, whether you co-habit or marry, we thought we may as well get married anyway, as if we wanted to live together, i would get my sick pay stopped anyway so it made no difference, my wife earns a very basic wage, why should her wages for one have to support two people ?, especially when one of those people has expensive on going medications ?, her wages didn't double as soon as we began living together !. It applies both ways, it could be the man who's working who starts living with a woman who is then signed of sick thru no fault of her own & all of a sudden one wage has to support 2 people.

Are you sure you're not entitled to UC? I earn a fairly good wage, and even with no housing costs and no children we get a decent amount of UC as my partner is disabled. If you were in support group of ESA then a work capability assessment on UC should put you in the LCWRA group (which then gives a work allowance) and if you get PIP your wife could claim carer element.

xylophone

Are you sure you're not entitled to UC?

https://www.turn2us.org.uk/Benefit-guides/Universal-Credit/Additional-Elements-of-Universal-Credit

Above might help clarify.

steve.othen

My original post was about N.I. contributions & how it will effect any pension i may get.

It seems to have veered of now into the world of benefits, which is a separate subject, but i still think its ridiculous that if you can't work thru illness, that if you move in with someone, or they move in with you, in the eyes of the benefit agency you are the same as married, so immediately your partner has to pay for everything for you, medicines, food, clothes, etc, the lot. So what if your partner only earns minimum wage ?, according to the government that one wage has to support two people, well in the real world it won't, period. My partner, & many people just like her, saves the Government a lot of money, if she was to give up work & go on benefits we'd get the lot paid for, but we're not that kind of people.
And as for the comment " Benefits are not there to give people a nice life, they are there as a safety net for survival." !, really ?, i know of people who are in council houses , have several kids, & are having a VERY nice, completely free, life , they are "surviving" very ,very well !!.

steve.othen

WillowCat wrote: »

Are you sure you're not entitled to UC? I earn a fairly good wage, and even with no housing costs and no children we get a decent amount of UC as my partner is disabled. If you were in support group of ESA then a work capability assessment on UC should put you in the LCWRA group (which then gives a work allowance) and if you get PIP your wife could claim carer element.

I have checked out UC & they said i'm not entitled to anything.
Buts thanks for the comment.

t0rt0ise

Things change which is fascinating. Back in the day when women stayed at home they never thought of claiming benefits. It was assumed that one person earned money for the family. Now people don't want to share any more.

steve.othen

t0rt0ise wrote: »

Things change which is fascinating. Back in the day when women stayed at home they never thought of claiming benefits. It was assumed that one person earned money for the family. Now people don't want to share any more.

Hmmm, the problem is that one minimum wage these days doesn't always support two people, in the late 60's & 70's my mum & dad bought a small house & raised 2 kids on my dads wage alone, he delivered bread for mothers pride, which wasn't a well paid job. In modern money & prices that would be impossible, its not about sharing, its simple maths.

Scrounger

steve.othen wrote: »

.. if you move in with someone, or they move in with you, in the eyes of the benefit agency you are the same as married, so immediately your partner has to pay for everything for you, medicines, food, clothes, etc, the lot.!!.

Many years ago after I was made redundant and my co-habiting girlfriend was immediately relegated to 'lodger' status (she was a bit miffed about it!).
It worked well for me. :beer:
[OP - if you're not married, could you do something similar (ie you become the 'lodger')? That way you may still qualify for benefits. :rotfl:]


Scrounger

Mojisola

Scrounger wrote: »

Many years ago after I was made redundant and my co-habiting girlfriend was immediately relegated to 'lodger' status (she was a bit miffed about it!).
It worked well for me. :beer:
[OP - if you're not married, could you do something similar (ie you become the 'lodger')? That way you may still qualify for benefits. :rotfl:]

Scrounger

I suppose with your choice of name you don't mind lying and committing benefit fraud but you shouldn't be recommending illegal activities to other people on this site.

steve.othen

Scrounger wrote: »

Many years ago after I was made redundant and my co-habiting girlfriend was immediately relegated to 'lodger' status (she was a bit miffed about it!).
It worked well for me. :beer:
[OP - if you're not married, could you do something similar (ie you become the 'lodger')? That way you may still qualify for benefits. :rotfl:]


Scrounger

The trouble is if you get found out, your in deep s***t !!, & like i said in a previous post, me & my partner aren't that kind of people, ( even before we got married ).

xylophone

Hmmm, the problem is that one minimum wage these days doesn't always support two people, in the late 60's & 70's my mum & dad bought a small house & raised 2 kids on my dads wage alone, he delivered bread for mothers pride, which wasn't a well paid job. In modern money & prices that would be impossible, its not about sharing, its simple maths.

People always had choices about marriage/co-habiting etc. At the time your parents were married, your father knew what was available to him by way of a wage and what would be possible on it.

You chose to make a home with your partner knowing the rules about benefit.



https://forums.moneysavingexpert.com/discussion/comment/75724832#Comment_75724832

It seems that you will have the possibility of income from your private pension from age 55 ( may increase), to supplement the household budget and since you are not on means tested benefits will have more freedom about choices.

Have you checked your state pension forecast to establish your current position with regard to state pension?

At your age, it may be that few more years are required to reach full NSP.