How do I register as unemployed but do not want to claim Universal Credit 4 April 2020 at 10:32AM in Benefits & tax credits 10 replies 5K views

Indiepops

I need to show that I am unemployed in order to claim the insurance premium that I have being paying on my mortgage. How can I do this without applying for benefits?

epm-84

What proof have your insurance company said they'll accept as evidence?

Possible options are P45, P60, a letter informing you of redundancy or a print out from your online tax account on gov.uk.

There is also the option to apply for NI credits if you're out-of-work and not eligible for benefits, which would act as proof.

calcotti

I don’t think there is any way to register unemployment without claiming a benefit.
Apply for new style JSA. https://www.gov.uk/guidance/new-style-jobseekers-allowance

huckster

Paid enough National Insurance to claim new style JSA ?
https://www.gov.uk/how-to-claim-new-style-jsa
Jobcentre Plus
Telephone: 0800 055 6688
Have you not been provided with a P45 ?

tacpot12

You call the Jobcentre up and ask to claim JSA on a credits only basis. This will result in your being credited with Class 1 NI Contributions, which will help build your entitlement to a state pension as well as proving that you are unemployed. See: 
https://www.gov.uk/national-insurance-credits/eligibility

You may be able to get the form that the Jobcentre will send you from here:
https://www.whatdotheyknow.com/request/jsa_nc1_ni_credits_only_form
Check that this form is up to date before using it!

Mountain_Biker

I made a claim on a mortgage protection policy last year following redundancy.  Every month I was expected to send bank statements showing the JSA payment; proof of job applications and interviews; and have a telephone interview with their back-to-work advisor.  The insurance company demanded more of me than the job centre.  In the terms and conditions they reserved the right to stop payments if they did not think I was making enough effort to find work.
Possibly your insurance company will think it odd if you are not claiming any JSA or Universal Credit?

bluelionman

epm-84 said:

What proof have your insurance company said they'll accept as evidence?

Possible options are P45, P60, a letter informing you of redundancy or a print out from your online tax account on gov.uk.

There is also the option to apply for NI credits if you're out-of-work and not eligible for benefits, which would act as proof.

How do I apply for NI credits - I not worked since October but have over the threshold in savings for UC, CT and HB so not bothered to do anything as info I found on line said I could not claim - not found any info on claiming NI credits or such so curious if I should be doing this and how one does that?

[Deleted User]

tacpot12 said:

You call the Jobcentre up and ask to claim JSA on a credits only basis. This will result in your being credited with Class 1 NI Contributions, which will help build your entitlement to a state pension as well as proving that you are unemployed. See: 
https://www.gov.uk/national-insurance-credits/eligibility

You may be able to get the form that the Jobcentre will send you from here:
https://www.whatdotheyknow.com/request/jsa_nc1_ni_credits_only_form
Check that this form is up to date before using it!

bluelionman said:

How do I apply for NI credits - I not worked since October but have over the threshold in savings for UC, CT and HB so not bothered to do anything as info I found on line said I could not claim - not found any info on claiming NI credits or such so curious if I should be doing this and how one does that?

epm-84

bluelionman said:
I not worked since October but have over the threshold in savings for UC, CT and HB so not bothered to do anything as info I found on line said I could not claim

You may still be eligible for contribution based/new style JSA if you have paid enough NI in the last 2 complete tax years - which are currently 17/18 and 18/19.  If you haven't claimed contribution based benefits in the last 13 weeks you could get £73.10 per week for up to 6 months.  If you're unsure you could apply for contribution based/new style JSA and if the claim is rejected the Job Centre should advise you about how to get NI credits.

epm-84

Mountain_Biker said:

I made a claim on a mortgage protection policy last year following redundancy.  

I actually find it strange the original post mentions proof of unemployment, as I would be surprised if any insurance policy covered unemployment, opposed to specifically redundancy and being unable to work because you are sick.  I'd be very surprised if insurance companies paid out if someone resigned because they got fed up of working for their employer or if they were sacked for not doing their job properly. 

2016Convert

I'm self employed and have tried to claim unemployment(no work or business) status for a number of reasons(not entitled to any benefits and have profits of over £50k). I was told I would be classified as "inactive" and not unemployed.