Am I really entitled to so little support?

probably_panicking

I will find out on Wednesday if I am up for redundancy, followed by a 30 day consultation.

I work in the charity sector and won't be offered anything above stat redundancy pay by my employer. I have worked there for 3 years, so entitled to £2100 stat redundancy pay.

I've checked my benefits entitlement and it is not good. £398ish between contribution based JSA and UC, and a council tax discount. That's seems to be it. And then after 9 months of unemployment, a loan towards my mortgage interest (by which point I will have lost the house anyway).

I don't know what to do. My mortgage is £484 a month. Obviously I have other expenses. But I am unlikely to find work quickly. I am disabled and can only work remotely. I can only support myself for a max of 2 months of unemployment, then all I will have is £400 a month?!

My god, please tell me I'm missing something 

gwynlas

Sorry to hear about your potential redundancy having been in this position myself.

Some things you do have control over and can be proactive about such as informing your mortgage company about your situation and that you will not be able to make payment. You might be able to suspend payments for a while or go interest only. They are used to this and ultimately do not want to make you homeless.  Make sure that after initial contact that all arrangements made are in writing.

pmlindyloo

Are you claiming PIP?

Not a short term solution but maybe a possibility for the future.

Grumpy_chap

probably_panicking said:

I will find out on Wednesday if I am up for redundancy, followed by a 30 day consultation.

I work in the charity sector and won't be offered anything above stat redundancy pay by my employer. I have worked there for 3 years, so entitled to £2100 stat redundancy pay.

I've checked my benefits entitlement and it is not good. £398ish between contribution based JSA and UC, and a council tax discount. That's seems to be it. And then after 9 months of unemployment, a loan towards my mortgage interest (by which point I will have lost the house anyway).

I don't know what to do. My mortgage is £484 a month. Obviously I have other expenses. But I am unlikely to find work quickly. I am disabled and can only work remotely. I can only support myself for a max of 2 months of unemployment, then all I will have is £400 a month?!

My god, please tell me I'm missing something 

How did you work out the £398 of support?

Assuming you have NI credits over the past couple of years (by virtue of the fact you were working), even if you were to only claim nJSA (which is not means tested), the rate is currently £92.05 per week, which works out to £398 per month (more than 4 weeks in a month on average).

You don't sound as though you have large savings (above £6k or above £16k) or other income assuming the redundancy happens as you expect.

Have you investigated PIP and / or ESA?

probably_panicking

Grumpy_chap said:

probably_panicking said:

I will find out on Wednesday if I am up for redundancy, followed by a 30 day consultation.

I work in the charity sector and won't be offered anything above stat redundancy pay by my employer. I have worked there for 3 years, so entitled to £2100 stat redundancy pay.

I've checked my benefits entitlement and it is not good. £398ish between contribution based JSA and UC, and a council tax discount. That's seems to be it. And then after 9 months of unemployment, a loan towards my mortgage interest (by which point I will have lost the house anyway).

I don't know what to do. My mortgage is £484 a month. Obviously I have other expenses. But I am unlikely to find work quickly. I am disabled and can only work remotely. I can only support myself for a max of 2 months of unemployment, then all I will have is £400 a month?!

My god, please tell me I'm missing something 

How did you work out the £398 of support?

Assuming you have NI credits over the past couple of years (by virtue of the fact you were working), even if you were to only claim nJSA (which is not means tested), the rate is currently £92.05 per week, which works out to £398 per month (more than 4 weeks in a month on average).

You don't sound as though you have large savings (above £6k or above £16k) or other income assuming the redundancy happens as you expect.

Have you investigated PIP and / or ESA?

I've used a couple of the benefits calculators and they give me the JSA eligibility, then less than £2 UC on top should I claim both.

Should be eligible for PIP, and have claimed it in the past, but lost it and had an unsuccessful tribunal in October. Very difficult to get. Unlikely to get ESA either