to be freaking out about employment - advice needed

[workcrap]

I returned to work early from maternity leave (DD is 4mo)because I was offered a work from home position with hours to suit me and needed the money.
I've been 'back at work' since beginning of this month.
15 mins before I'm due to start my hours this evening, I've found out from the companies website that they've gone into administration.
They've put up a statement for customers....
So I'm not entitled to any maternity now I've been processed as back to work employee but now have no job.
I don't have support to look after my DD while I work for somewhere new and imo she's too young to go to a nursery.
I'd be so upset to send her.
I've checked what I'm entitled to and it's £90 something with child benefit and job seekers because of what my partner earns but the way our finances work I don't have his earnings.
Business is trying to keep everyone calm by saying another business wants to take over and keep staff but I doubt they'll want to keep my role and that business might not even win the bid.
Aibu in freaking out or am I right that there isn't much choice for me here?!?

I’d be really worried as well. I hope it works out ok for you and you get reassuring news soon.

Will you be entitled to any redundancy payment?

What does "the way our finances work I don't have his earnings" mean? Do you not live together?

@Raver84 I'm not sure how that works if I'm honest, do you know where I could find out more please?

That sounds worrying, but what do you mean you don’t have your partner’s earnings? He’s going to have to support you and baby, surely?

@Rudeabaga We live together but we pay everything 50/50.
I know of some partners providing their OH with money when they're off, I don't have that set up.

How long have you worked there in total?

@icantfind I've worked there for two years

If you claim JSA they won't allow you to limit yourself to WFH positions only.

What do you mean that you don't have your husband's earnings, have you told him what had happened?

So more than 2 years you are entitled to redundancy, but it won’t be much unless your company offers an enhanced package.

www.gov.uk/calculate-your-redundancy-pay

You and your partner will have to change your financial set up if you are out of work. He has a child to support, he doesn’t get to opt out of that

Cross post.

You have to speak to your husband about supporting the household whilst you are out of work, and about childcare costs.

@MrsMaiselsMuff I've told my partner what has happened and he is annoyed because he didn't want me going back in the first place. So for him I've proved that returning was a dumb move.
While I was off he paid for all household bills but I have my personal bills and what I want to spend socially like with my friends and their babies.
So I'm feeling so worried and upset now.

Your partner doesn't just get to not support you and keep expecting you to pay 50:50 when you don't have the money or a job! When you move in and reproduce together, your fates and finances are tied and only an arsehole would leave you struggling to pay the bills if he could help it, especially if his income makes you ineligible for benefits!

I think I know which company you worked for.
Take a deep breath. Sleep on it and go and see CAB tomorrow. Nothing you can do now.

If you’re seriously saying your partner would allow you to suffer because you won’t be able to pay your share, then I seriously suggest you split up and move out so you can claim everything and also so he has to pay to support his child.

And yes I’m your circumstances I would worry.

I don't mean this to be unhelpful but I really don't think a wfh position is going to be viable for you between 4 months and say 9 - 12 when babies commonly go into nursery. At this age your baby will be fairly immobile but in the coming months it will all change. I say that as a company owner who thought I could work from home at around the same age.

I would speak to someone about maternity allowance. It's a complicated claim as you were employed and now you're not but I imagine with such a young baby and under these circumstances you should be entitled to something?

But also echo your partner will need to support you, you have a 4 month old baby it's totally unrealistic to expect you to work.

I'd give the maternity action advice line a call to find out your rights.

You also need to tell your partner that your finances need to be shared. Your set up sounds really unfair. I earn way more than my partner (except when I was on mat leave) and we've always had shared finances.

Good luck

He will support me and our child but I'm talking about a social life. I don't just want to stay in all day every day.
Yes I will try CAB it's just such a nightmare, this was really working well for me and I felt like I had my life back a little because I enjoyed my job.
I really appreciate everyone's advice.
I'm quite shocked to be in this position.

I concur on checking out maternity allowance - yes it will be complex though and you can't get it on top of jobseeker's. I would be having a serious chat with your partner about finances, as you would be in the EXACT same position had you chosen not to return to work, presumably, after your SMP ran out?

@Rudeabaga True but that would be in many months so DD would at least be older.

I will try everything that has been suggested. Thank you X

I really don’t understand you and your partners thinking. You created a child together. Think about it for a minute. More mn madness

@MrsPear I'm very aware of that believe it or not
I really don't understand why people bother wasting their own time making comments like yours especially when I'm asking for advice...more mn madness.

We've been fine up to now and obviously we will have to adapt to this change I just really wasn't expecting it so

Re your social life. You don’t have to stay in all day every day with your baby but you are going to have cut your cloth so to speak. There are things to do out and about with a baby that don’t cost the earth.

you might be entitled to maternity allowance. Be worth looking into?