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Benefits

(69 Posts)
ScaredAboutTheFuture Sat 24-Sep-16 12:31:45

I am hoping for some advise.

DH is being made redundant shortly. He will get a package of £43,000.

Will he be able to claim JSA with that amount of payout.

Many thanks

melibu84 Sat 24-Sep-16 12:34:55

He won't, it goes over the threshold for savings. And to be honest, why should he? JSA is for people in need. If you have £43k, you're not in need.

LIZS Sat 24-Sep-16 12:38:04

No , he will be eligible for 6 months as long as he has paid enough ni contributions. After that it becomes income based , so if you are earning too , he would not be.

ImperialBlether Sat 24-Sep-16 12:42:51

This page might be useful, OP. So sorry your husband's been made redundant.

backaftera2yearbreak Sat 24-Sep-16 12:43:13

He can claim contribution based jsa for 6 months if he has paid enough ni contributions

expatinscotland Sat 24-Sep-16 12:44:33

6 months of JSA if he has enough NI contributions.

melibu84 Sat 24-Sep-16 12:45:02

Ok, I was wrong about the savings thing smile but my other comment still stands, sorry!

ImperialBlether Sat 24-Sep-16 12:45:10

It seems if he's made NI contributions he'll be eligible.

ScaredAboutTheFuture Sat 24-Sep-16 12:47:58

Many thanks.

I thought he could claim contributory based JSA for 6 months which is non-means tested.

Is that not the case?

LIZS Sat 24-Sep-16 12:48:50

Yes that's correct .

ScaredAboutTheFuture Sat 24-Sep-16 12:48:55

crossed posts!

Becca19962014 Sat 24-Sep-16 12:51:26

If he has continually paid class 1 NI contributions for the last two financial years then in theory yes, and, it will reset the two years at the date it stops.

Not sure what happens with universal credit (depends on area if it'll be that or not), or if you are in work.

ScaredAboutTheFuture Sat 24-Sep-16 12:52:16

Just to get my head around this complete nightmare.

He can claim the JSA for 6 months and it won't be reduced by the amount of his payout. However after the 6 months it will go onto the income based JSA which will take into account my salary.

I earn £13,000 per year

It is likely that there will not be any of the payout left after 6 months anyway.

Becca19962014 Sat 24-Sep-16 12:52:37

(Must be continually for two years with no breaks at all)

Sorry if I'm not being clear!

LIZS Sat 24-Sep-16 12:53:59

You plan to spend 43k in 6 months ?!

timeforachangeithink Sat 24-Sep-16 12:54:08

I'm pretty sure he can't claim at all after the 6 months as you are employed.

expatinscotland Sat 24-Sep-16 12:55:55

How on Earth will you spend £43k in 6 months! You'd better be very careful with that because if you're found to have willfully deprived yourself of capital then you won't get any benefits after that 6 months.

deltacrook Sat 24-Sep-16 12:56:15

With all due respect, how can you spend over £40k in 6 months. Is there a bigger picture here as that would last us, for instance, 18 months based on current lifestyle. If DH lost his job we'd have to cut back and make that last longer until a new job was found.

Becca19962014 Sat 24-Sep-16 12:58:35

He will need to prove what he spent the money on, bank statements/receipts he can't just spend it and expect to claim benefits in six months time. They're really strict about what it can be spent on and by how much without it being classed as deliberate deprivation - I knew someone who bought an electronic wheelchair and there were arguments about that expenditure not being necessary.

Becca19962014 Sat 24-Sep-16 13:00:25

X-posts all over the place!

The 13,000 a year I think pushes you over the limit for couples anyway (not 100% on that but I think so).

RJnomore1 Sat 24-Sep-16 13:06:00

The vast majority of the 43k will be tax free - do you really spend about £7k a month? Maybe we can help you with cutting expenditure too?

thisusernameisnotavailable Sat 24-Sep-16 13:09:11

Easy to spend it. To make a lump sum payment to the mortgage would be wise therefore reducing their debt

RJnomore1 Sat 24-Sep-16 13:10:44

Definitely it would be sensible to do that but for some reason it didn't sound like that was the plan. I might be wrong.

They'd also need to check the rules on doing that if they have to claim income based benefits after the 6 months in case it's regarded as depriving of income.

MumsKnitter Sat 24-Sep-16 13:13:11

I'm not sure that you're allowed to repay debt before it is due (i.e. repay a chunk of mortgage early) without falling foul of the 'wilfully deprived' rules. I thought you couldn't do that. Does anyone else know the rules on this?

MumsKnitter Sat 24-Sep-16 13:14:16

Crossed post!

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