Advice needed on how to plan for future pension when not paying national insurance

Spoonie_Turtle

Bigwheels1111 said:

If claiming another benefit other than Dla, PiP.
Her Ni should be paid.
If not a cheaper way round this is to register as self employed.
Then you only pay £13 ish a month for Ni contributions.
Make bangles and bracelets, sell on eBay for eg.

If less than £500 profit is made you don’t even need to register.
But she would benefit from being registered.
Pay off all debts and bill in full, get below £16k or £6k and re claim UC.
Paying off debts and bills is not deprivation of capital.

This is not correct, and I would advise the OP to double check the rest of the advice about registering as self-employed if that's a route your daughter might consider. 
Registering as self-employed is probably far more complicated than just applying for ESA for the NI credits.

Bigwheels1111

Spoonie_Turtle said:

Bigwheels1111 said:

If claiming another benefit other than Dla, PiP.
Her Ni should be paid.
If not a cheaper way round this is to register as self employed.
Then you only pay £13 ish a month for Ni contributions.
Make bangles and bracelets, sell on eBay for eg.

If less than £500 profit is made you don’t even need to register.
But she would benefit from being registered.
Pay off all debts and bill in full, get below £16k or £6k and re claim UC.
Paying off debts and bills is not deprivation of capital.

This is not correct, and I would advise the OP to double check the rest of the advice about registering as self-employed if that's a route your daughter might consider. 
Registering as self-employed is probably far more complicated than just applying for ESA for the NI credits.

She has to much money. ESA or UC is means tested.

I know the self employed is right as 4 friends have done it. Slight correction, earn under 1k no need to register.
Sell, dvd or old clothes, anything for a small income.
The Ni is only £3.45 a week. £179.40 for the year. Better than the standard £800.
Self assessment is easy.
https://www.gov.uk/self-assessment-tax-returns/who-must-send-a-tax-return

poppy12345

Bigwheels1111 said:

Spoonie_Turtle said:

Bigwheels1111 said:

If claiming another benefit other than Dla, PiP.
Her Ni should be paid.
If not a cheaper way round this is to register as self employed.
Then you only pay £13 ish a month for Ni contributions.
Make bangles and bracelets, sell on eBay for eg.

If less than £500 profit is made you don’t even need to register.
But she would benefit from being registered.
Pay off all debts and bill in full, get below £16k or £6k and re claim UC.
Paying off debts and bills is not deprivation of capital.

This is not correct, and I would advise the OP to double check the rest of the advice about registering as self-employed if that's a route your daughter might consider. 
Registering as self-employed is probably far more complicated than just applying for ESA for the NI credits.

She has to much money. ESA or UC is means tested.

The only ESA possible to claim now is New style and this isn't means tested anyway. Although she won't receive payments because of lack of NI contributions from working in the previous 2 tax years, she will receive NI credits based on LCW. Though she would need to go through a work capability assessment. 

poppy12345

molerat said:

I think the problem for ESA eligibility will be

You also need to have both:

• worked as an employee or have been self-employed
• paid enough National Insurance contributions, usually in the last 2 to 3 years - National Insurance credits also count

https://www.gov.uk/employment-support-allowance/eligibility

She can claim it for NI contributions only through LCW. She will not receive any payments. 

Alice_Holt

Bigwheels1111 said:

Spoonie_Turtle said:

Bigwheels1111 said:

If claiming another benefit other than Dla, PiP.
Her Ni should be paid.
If not a cheaper way round this is to register as self employed.
Then you only pay £13 ish a month for Ni contributions.
Make bangles and bracelets, sell on eBay for eg.

If less than £500 profit is made you don’t even need to register.
But she would benefit from being registered.
Pay off all debts and bill in full, get below £16k or £6k and re claim UC.
Paying off debts and bills is not deprivation of capital.

This is not correct, and I would advise the OP to double check the rest of the advice about registering as self-employed if that's a route your daughter might consider. 
Registering as self-employed is probably far more complicated than just applying for ESA for the NI credits.

She has to much money. ESA or UC is means tested.

I know the self employed is right as 4 friends have done it. Slight correction, earn under 1k no need to register.
Sell, dvd or old clothes, anything for a small income.
The Ni is only £3.45 a week. £179.40 for the year. Better than the standard £800.
Self assessment is easy.
https://www.gov.uk/self-assessment-tax-returns/who-must-send-a-tax-return

     No.   New style ESA is not means tested. 

     OP - the way around this is (as Spoonie and Poppy have said) is for her to make a "Credits Only" claim for new-style ESA.  You will find some info here: 
https://contact.org.uk/help-for-families/information-advice-services/benefits-financial-help/universal-credit/universal-credit-for-young-people/

And for the WCA:
https://www.citizensadvice.org.uk/benefits/sick-or-disabled-people-and-carers/employment-and-support-allowance/help-with-your-esa-claim/fill-in-form-esa/