Does Payment In Lieu Of Notice affect when you can start claiming New Style Jobseeker's Allowance?

Shadweller

calcotti said:

Shadweller said:

I think I should be fine with the NI credits. I already have 31 full years, and I have another 15 years of work and / or signing on to achieve at least the 4 more years of full NI contributions required in order to qualify for a full state pension, one way or another.

Are you in a transitional period and the number of years of NI to achieve full
State Pension could be more or less than 35. To find out you would need to get a pension forecast.

Thanks Calcoti.

I'm not in a transitional period AFAIK. My retirement age has been confirmed as 67. Although for a while that was possibly going to increase but now it doesn't look like it will. But that could still change yet again. I don't think anyone seems to know for sure right now.

I was basing what I said about my NI credits on what it said on my You Gov NI years page. My You Gov pension forecast page doesn't match the above, which is confusing, and it says I only need 1 more year. Which is not correct. I have manually counted my full NI years and I have 31. This is from my NI years record page. The forecast also says that I may need to keep working until 2037 to get a full pension, which isn't correct either because AFAIK I'd still get full NI credits even if I was unemployed for the remainder of my working life. Obviously I hope to God that I don't find myself in that situation.

It also says that the forecast is not a guarantee and is subject to change. I've basically left that page with many more questions than I had before I went on it. I still have the option to plug the £95 gap to complete a full year from a few years ago, and I may or may not need to do the same thing to fill the additional gap which I am likely to create right now. Due to it otherwise really not being worth while or even possible to sign on until after my PILON and so creating another gap in my NI record. If I was going to be way under the 35 years for whatever reason I would not hesitate to plug the gaps, but with  the way things seem right now it looks like I would be voluntarily contributing to government coffers with no obvious benefit to myself for doing so, nor any compelling reason for doing so.

calcotti

Shadweller said:

I'm not in a transitional period AFAIK.

You are, because of your age. Anyone who started work before 2016 and is yet pension age is in a transitional phase which means that the number of years of NI needed can vary.

Shadweller

calcotti said:

Shadweller said:

I'm not in a transitional period AFAIK.

You are, because of your age. Anyone who started work before 2016 and is yet pension age is in a transitional phase which means that the number of years of NI needed can vary.

I think the NI gaps and whether it's worth plugging them could go on a whole separate thread. I've not looked yet but I would imagine that this has already been discussed extensively on here.

huckster

I read the Gov.uk page on state pension transitional arrangements and how they would deal with previous contracting out periods.  

Found it very complex and confusing.

 Has anyone found an online guide on this topic that is very easy to understand ?

Newcad

calcotti said:

New cad said:

When/if you do claim JSA it can run for six months from that claim date.

In your post you highlight why payment of JSA be deferred from the claim date. Will the  claimant not get six months of payment from when the payment entitlement commences.

I'd have to double check (and the ADM guidance is a pain to track anything down in) but I do believe that it is the payments that should run for 6 months, actually 182 days, so if JSA is claimed but not paid at first because of outstanding earnings etc. then it should be paid for 182 days from when it does start being paid.

But I wouldn't take any bets that the DWP won't close the claim exactly 182 days after the claim date anyway.
I'm not sure whether to call that cynicism, or call it experience of how the DWP works?

Hopefully of course you won't reach the six months out of work on JSA to test it.

2childmum2

Go to the retirement and pension  board. There is a sticky at the top about COPE amounts which explains it. There are also a number of posts about number of years of NI credits needed for a state pension. If you are still a bit confused you can post your own question with the figures from your state pension forecast and some knowlegable person there can help you out.