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  • FIRST POST
    • Issy005
    • By Issy005 12th Feb 18, 2:46 PM
    • 11Posts
    • 0Thanks
    Issy005
    JSA - to become self employed?
    • #1
    • 12th Feb 18, 2:46 PM
    JSA - to become self employed? 12th Feb 18 at 2:46 PM
    THey wont give me any money, as I have a small pension, but I need to accrue another 5 years "Stamp" - National Insurance payments


    I can find ad-hoc work teaching riding (I'm qualified, but its 275 to register for the year, plus an essential training day every year, as well as maintaining First Aid certificates etc.


    Teaching Piano - I'm not qualified.


    Eventually teaching Pilates - I an part way through gaining a certificate (which is needed before getting insurance)


    Gardening (light lawnmowing, hedgecutting etc), and dogwalking etc.


    I am a around 60 years old, with hypothyroid, so limited energy and ability to work outside when its cold.


    How does one go about getting your "stamp" paid?
    Are there any downsides to my plan?
Page 1
    • pmlindyloo
    • By pmlindyloo 12th Feb 18, 3:07 PM
    • 11,414 Posts
    • 13,298 Thanks
    pmlindyloo
    • #2
    • 12th Feb 18, 3:07 PM
    • #2
    • 12th Feb 18, 3:07 PM
    THey wont give me any money, as I have a small pension, but I need to accrue another 5 years "Stamp" - National Insurance payments


    I can find ad-hoc work teaching riding (I'm qualified, but its 275 to register for the year, plus an essential training day every year, as well as maintaining First Aid certificates etc.


    Teaching Piano - I'm not qualified.


    Eventually teaching Pilates - I an part way through gaining a certificate (which is needed before getting insurance)


    Gardening (light lawnmowing, hedgecutting etc), and dogwalking etc.


    I am a around 60 years old, with hypothyroid, so limited energy and ability to work outside when its cold.


    How does one go about getting your "stamp" paid?
    Are there any downsides to my plan?
    Originally posted by Issy005
    Were you previously working? If so, up to when? Were you paying NI contributions?

    You may be entitled to contribution based ESA or 'new style ESA' (as Universal Credit areas call it now)

    We need to know this so that we can advise you what you should be claiming.

    Also, are you in a full service area for Universal Credit?

    Check here:

    https://www.citizensadvice.org.uk/benefits/universal-credit/before-you-apply/Check-if-youre-eligible-for-Universal-Credit/

    Plus (!) what are your current circumstances - single/married/ children/savings etc etc

    You could check out a benefits calculation like www.turn2us.org. uk to see your entitlements.

    Both contribution based JSA and income based JSA would pay NI credits towards your pension.

    Not sure what you are asking about as regards self employment - can you clarify?
    • Issy005
    • By Issy005 12th Feb 18, 3:09 PM
    • 11 Posts
    • 0 Thanks
    Issy005
    • #3
    • 12th Feb 18, 3:09 PM
    • #3
    • 12th Feb 18, 3:09 PM
    You live in a "live service" area - whatever that means.


    I have used up my "contributions based" JSA 6 months. I last worked in March 2017.


    I have asked about the various self employed ideas I have to see if there are any obvious issues with this.


    I'm not expecting any money from benefits - only the National Insurance paid. I have too much income and too much savings to get any money.
    Last edited by Issy005; 12-02-2018 at 3:14 PM.
    • xylophone
    • By xylophone 12th Feb 18, 3:43 PM
    • 25,187 Posts
    • 14,834 Thanks
    xylophone
    • #4
    • 12th Feb 18, 3:43 PM
    • #4
    • 12th Feb 18, 3:43 PM
    What exactly does your State Pension Statement say?

    https://www.gov.uk/check-state-pension

    https://www.royallondon.com/Global/documents/GoodWithYourMoney/TOPPING-UP-YOUR-STATE-PENSION-GUIDE.pdf

    https://www.litrg.org.uk/tax-guides/employed/what-national-insurance-do-i-pay-employee

    https://www.litrg.org.uk/tax-guides/self-employment/what-national-insurance-do-i-pay-if-i-am-self-employed

    https://www.moneywise.co.uk/news/2017-11-06/abolition-class-2-national-insurance-contributions-delayed
    • Sncjw
    • By Sncjw 13th Feb 18, 7:51 AM
    • 1,706 Posts
    • 1,029 Thanks
    Sncjw
    • #5
    • 13th Feb 18, 7:51 AM
    • #5
    • 13th Feb 18, 7:51 AM
    Do you not take medication to Help your hypothyroid symptoms
    • Issy005
    • By Issy005 13th Feb 18, 8:24 AM
    • 11 Posts
    • 0 Thanks
    Issy005
    • #6
    • 13th Feb 18, 8:24 AM
    • #6
    • 13th Feb 18, 8:24 AM
    Yes I take thyroid meds.
    I need another 5 years NI contributions to receive the full state pension - I only have 42 years work, but was contracted out with SERPS
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