Benefits newbies......

maxmycardagain

Husband 70, on SP, no other income
£6000 in bank

Wife 53 
£20,000 in bank

Both been in P/T work over 2 years, being made redundant, last day is friday
11 days holiday being included in agreed last payment on April1st

Husband YTD wage - £6200, tax paid £1035 N.I. paid NIL
Wife YTD - £5200 Tax Nil Nat ins NIL

My question
once the holiday paid period ends I think 1 of them can claim benefits, they are tenants, i struggle to understand the benefits system (my own last was a green giro by post)

will they claim Universal credit, New JSA or council housing benefit?

Ive see a question "have you worked in the last 2 years"? then seen that question has a caveat about N.I. paid, which neither have

oh, and how the heck do you claim, i take it the days of signing on at the dole are over?

thanks

sammyjammy

She might be able to claim New style JSA, neither will be able to claim any means tested benefits such as Universal credit, council tax support or housing benefit due to the £26k savings.

ETA just noticed she has paid no NI, if she was earning at least £123 per week she will be treated as if she paid it so it will depend on that.  

p00hsticks

maxmycardagain said:

Ive see a question "have you worked in the last 2 years"? then seen that question has a caveat about N.I. paid, which neither have

If the wife has been earning at least £123 a week (the Lower Earnings Limit) then she'll have got NI credits even without actually paying anything. This might mean she's entitled to new Style JSA 
New Style Jobseeker's Allowance - GOV.UK
Standard way to apply is online.

As previous posters have said, they won't be entitled to UC, which they'd apply for as a couple, as their savings are too high at present. 

maxmycardagain

p00hsticks said:

maxmycardagain said:

Ive see a question "have you worked in the last 2 years"? then seen that question has a caveat about N.I. paid, which neither have

If the wife has been earning at least £123 a week (the Lower Earnings Limit) then she'll have got NI credits even without actually paying anything. This might mean she's entitled to new Style JSA 
New Style Jobseeker's Allowance - GOV.UK
Standard way to apply is online.

As previous posters have said, they won't be entitled to UC, which they'd apply for as a couple, as their savings are too high at present. 

with her PILON/Holiday pay she will hit only £6100 on week 52 of the tax year

sheramber

maxmycardagain said:

p00hsticks said:

maxmycardagain said:

Ive see a question "have you worked in the last 2 years"? then seen that question has a caveat about N.I. paid, which neither have

If the wife has been earning at least £123 a week (the Lower Earnings Limit) then she'll have got NI credits even without actually paying anything. This might mean she's entitled to new Style JSA 
New Style Jobseeker's Allowance - GOV.UK
Standard way to apply is online.

As previous posters have said, they won't be entitled to UC, which they'd apply for as a couple, as their savings are too high at present. 

with her PILON/Holiday pay she will hit only £6100 on week 52 of the tax year

NI is worked out on each pay period, not over the year. 

maxmycardagain

sheramber said:

maxmycardagain said:

p00hsticks said:

maxmycardagain said:

Ive see a question "have you worked in the last 2 years"? then seen that question has a caveat about N.I. paid, which neither have

If the wife has been earning at least £123 a week (the Lower Earnings Limit) then she'll have got NI credits even without actually paying anything. This might mean she's entitled to new Style JSA 
New Style Jobseeker's Allowance - GOV.UK
Standard way to apply is online.

As previous posters have said, they won't be entitled to UC, which they'd apply for as a couple, as their savings are too high at present. 

with her PILON/Holiday pay she will hit only £6100 on week 52 of the tax year

NI is worked out on each pay period, not over the year. 

Shes paid NI, see OP

Spoonie_Turtle

maxmycardagain said:

sheramber said:

maxmycardagain said:

p00hsticks said:

maxmycardagain said:

Ive see a question "have you worked in the last 2 years"? then seen that question has a caveat about N.I. paid, which neither have

If the wife has been earning at least £123 a week (the Lower Earnings Limit) then she'll have got NI credits even without actually paying anything. This might mean she's entitled to new Style JSA 
New Style Jobseeker's Allowance - GOV.UK
Standard way to apply is online.

As previous posters have said, they won't be entitled to UC, which they'd apply for as a couple, as their savings are too high at present. 

with her PILON/Holiday pay she will hit only £6100 on week 52 of the tax year

NI is worked out on each pay period, not over the year. 

Shes paid NI, see OP

Was that a typo?  The first post says 'Nat ins nil'.
As explained by others it's based on how much she actually earned each week; if it was above the LEL for each tax year she'll have credits.

So she needs to either look at payslips and work it out, or (probably simpler) she can check her NI record: https://www.gov.uk/check-national-insurance-record

The relevant tax years for JSA now are probably 2022/23 and 23/24.