UC + JSA = NO FREE HEALTHCARE! Can I stop taking NSJSA now and restart later?

poppy12345

Davidmayer2 said:

calcotti said:

Davidmayer2 said: What she neglected to tell me was that for every £ of JSA I received, 67p would be deducted from my UC. 

That’s incorrect. For every £1 of JSA you receive £1 will be deducted from UC.

Unfortunately, to the best of my knowledge, there is no mechanism to change the start date of the UC claim once it has been made so I don’t think you’ll get anywhere with that.

You can stop your UC claim at anytime and reapply later if you wish (although if you will be getting UC which is greater than JSA then there is no financial gain by claiming both).

So I may as well stop my JSA claim right now? There's no "benefit" in claiming it. Which was my original question :-D 

Just because you're not entitled to receive any UC payments, this doesn't mean you're not entitled to New style JSA.

calcotti

Davidmayer2 said:

calcotti said:

Davidmayer2 said: What she neglected to tell me was that for every £ of JSA I received, 67p would be deducted from my UC. 

That’s incorrect. For every £1 of JSA you receive £1 will be deducted from UC.

Unfortunately, to the best of my knowledge, there is no mechanism to change the start date of the UC claim once it has been made so I don’t think you’ll get anywhere with that.

You can stop your UC claim at anytime and reapply later if you wish (although if you will be getting UC which is greater than JSA then there is no financial gain by claiming both).

So I may as well stop my JSA claim right now? There's no "benefit" in claiming it. Which was my original question :-D 

My last paragraph should have read "You can stop your JSA claim at anytime and reapply later if you wish (although if you will be getting UC which is greater than JSA then there is no financial gain by claiming both)." I've amended the original post now.

Claiming JSA and UC together will give you the same income as claiming UC alone (assuming that the UC entitlement is greater than JSA) because the JSA is deducted from the UC. However if you claim both you will get fortnightly JSA payments and a monthly UC payment. If you claim UC alone you only get the monthly UC payment. You may find the more frequent payments helpful. On JSA you get Class 1 NI credits, on UC you get Class 3. Class 1 credits count for a number of benefits, class 3 only count for State Pension.

KatrinaWaves

Davidmayer2 said:

MarkN88 said:

Davidmayer2 said:

MarkN88 said:

Surely now you have four weeks pay instead of 1 you can manage on that until the next UC payment? 

It will actually be 7.5 weeks from losing my job to first getting any UC. How does that help anyone? 

Bluntly. It’s called budgeting. 

Budgeting with what? To budget, you first have to have some money. That wage was spent before I even got it. It immediately went to clear a credit card debt because I won't be able to afford the monthly payments on benefits - which most reasonable people would consider to be prudent money management. Except smartass condescending fools who think they know it all.

I think 'prudent' is pushing it a bit to be honest. At least you have a credit card to buy some food with.

Davidmayer2

calcotti said:

Davidmayer2 said: What she neglected to tell me was that for every £ of JSA I received, 67p would be deducted from my UC. 

That’s incorrect. For every £1 of JSA you receive £1 will be deducted from UC.

Unfortunately, to the best of my knowledge, there is no mechanism to change the start date of the UC claim once it has been made so I don’t think you’ll get anywhere with that.

You can stop your JSA claim at anytime and reapply later if you wish (although if you will be getting UC which is greater than JSA then there is no financial gain by claiming both).

So...other than crediting me with NI contributions, there's no benefit in being on JSA. So I may as well cancel it. Thanks

Davidmayer2

calcotti said:

Davidmayer2 said:

calcotti said:

Davidmayer2 said: What she neglected to tell me was that for every £ of JSA I received, 67p would be deducted from my UC. 

That’s incorrect. For every £1 of JSA you receive £1 will be deducted from UC.

Unfortunately, to the best of my knowledge, there is no mechanism to change the start date of the UC claim once it has been made so I don’t think you’ll get anywhere with that.

You can stop your UC claim at anytime and reapply later if you wish (although if you will be getting UC which is greater than JSA then there is no financial gain by claiming both).

So I may as well stop my JSA claim right now? There's no "benefit" in claiming it. Which was my original question :-D 

My last paragraph should have read "You can stop your JSA claim at anytime and reapply later if you wish (although if you will be getting UC which is greater than JSA then there is no financial gain by claiming both)." I've amended the original post now.

Claiming JSA and UC together will give you the same income as claiming UC alone (assuming that the UC entitlement is greater than JSA) because the JSA is deducted from the UC. However if you claim both you will get fortnightly JSA payments and a monthly UC payment. If you claim UC alone you only get the monthly UC payment. You may find the more frequent payments helpful. On JSA you get Class 1 NI credits, on UC you get Class 3. Class 1 credits count for a number of benefits, class 3 only count for State Pension.

As I can't see that any of those other benefits help me, and I've already got my pension secured, I'm going to stop it. Thanks for clearing that up. 

[Deleted User]

KatrinaWaves said:

Davidmayer2 said:

MarkN88 said:

Davidmayer2 said:

MarkN88 said:

Surely now you have four weeks pay instead of 1 you can manage on that until the next UC payment? 

It will actually be 7.5 weeks from losing my job to first getting any UC. How does that help anyone? 

Bluntly. It’s called budgeting. 

Budgeting with what? To budget, you first have to have some money. That wage was spent before I even got it. It immediately went to clear a credit card debt because I won't be able to afford the monthly payments on benefits - which most reasonable people would consider to be prudent money management. Except smartass condescending fools who think they know it all.

I think 'prudent' is pushing it a bit to be honest. At least you have a credit card to buy some food with.

Exactly. 

Spoonie_Turtle

Davidmayer2 said:

MarkN88 said:

Surely now you have four weeks pay instead of 1 you can manage on that until the next UC payment? 

It will actually be 7.5 weeks from losing my job to first getting any UC. How does that help anyone? 

This is why you may find still claiming JSA useful, especially if you've already spent the wages that were supposed to keep you going over those weeks.