benefits entitled to if I did not return to work?

[joesy43]

Hi - I am having a really awful time at work and am considering not returning. Can anyone tell me what I would be entitled to please - I have 2 children of school age and my husband earns 25k. I have a considerable amount of savings also. Thank you.

Basically then nothing..DH salary will pay bills..nothing left over but savings to use so looking like either that or return to a bad situation.

Financially your best option would be a claim for constructive dismissal, but you'd need advice as to whether you have a decent chance of success.

Part time work could be an issue depending how much you earn as the lower earnings limit to qualify is £112 so as long as you earn over that you won't automatically be disqualified. It says nothing for up to 26 weeks if I quit without good reason that's the thing what do they class as a good reason and up to is also subjective. CAB could probably advise you better as to how it is most likely going to affect you.

No union..very large firm..only HR rep who protect the top. No evidence..just not nice people nit picking at review and saying not proactive..petty things raising..trying for PPI I think..after previous allegations made 2 months ago which I defended but since then not much communication and bad atmosphere.

www.landaulaw.co.uk/constructive-dismissal/

some guidance re constructive dismissal for you OP, it's not easy to prove but if you feel you meet the criteria go for it.

You'd get child benefit, maybe tax credits but it would be the absolute minimum about £40 per month. Can't quite remember the cut off but it's close to your husbands wage.

Whatthefreakinwhatnow..the only thing would be unfounded poor performance and they would find a way around that one

You have savings, so basically if you choose to leave work that is what you should live on. Income based JSA is still relevant to husbands earning.contribution based is £73 per week depending on your NI contributions, if you quit you won't get that.

It used to be that if you had £16k or over of savings then you wouldn't be able to claim benefits. I'm not sure if that's still the case.

Although all the internet links say you can't claim if you leave your job I have done this before in similar circumstances and my job centre were sympathetic when I explained my situation and allowed me to sign on immediately so I wouldn't necessarily take things on face value.

You haven't addressed the possibility of sick leave OP.

Which could link to a PPs point about constructive dismissal.

The cut off for tax credits with 2 children is £32k so based on your DH salary you would get a little over £3k a year in tax credits if you were to quit work. You would also have to declare income from savings so if they are particularly high then you would lose some of this.

So

Can you see if you can find a job elsewhere?

Yes I am looking..signed up with job agencies..would even apply for retail but I have no retail experience apart from a shoe shop when I was 16!

Well, if you could survive for a few months why don't you resign and spend your time getting a new job. You may feel liberated?

I have enough to do for longer but it is the fear of not getting anything as time goes on and the money running out and being crap at interviews..all this fear

I completely sympathise as I am also in a job which causes so much stress it makes me ill. The tax credit threshold for 2 children is around £32k so if your household income is below that then you may get a little in tax credits. However if this tax year from April to the present time your joint earnings are over £32k you won't get anything until next April as you will have already earnt over the threshold. You may be entitled to JSA if ythey deem you to have had good reason to leave your joband you have paid NI contributions. Savings shouldn't have any impact on claiming tax credits but will do when Universal credit takes over from tax credits.
You are in a tricky situation and your best bet is to find another job. Good luck.

Sorry I meant to say if your dh's earnings for the whole year and your earnings from April to Oct come to more than £32 you wouldn't get anything this tax year. Any interest over £300 on savings has to be declared as income on the tax credit form I think.

I had to leave a job due to stress and I got sick pay and then ESA for my anxiety, my job was making me very ill and affected my mental health significantly. I resigned from my job and there were no sanctions or waiting period, I think that is only for JSA. My savings and my DH's income made no difference as I was put into the support group and it is based on NI contributions not income/savings. We also got tax credits (2 dc here also). So you could qualify for ESA even if you leave your job, definitely worth putting an application in.

Thank you

Apparently less than 3% of constructive dismissal claims are successful so if think very carefully about going down that route!

How long have you been there? Id stay on the sick for six months until they pension you off

If you are dismissed or made redundant, you will be entitled to contributory JSA for 6 months. This is not means-tested so your savings and your husband's salary won't prevent you from getting it.

If you leave your job voluntary you won't be entitled to JSA. As you're signed off sick at the moment, I suggest that you wait until you are dismissed, and keep looking for another job.

If you do decide to quit your job, you will be entitled to Child Tax Credits (your savings and husband's salary would be considered but would not prevent you from being eligible).

Do you get Child Benefit at the moment? If not you should apply ASAP. (It's not means-tested.)

There's lots of incorrect information and bad advice on this thread, btw.

My post is correct But if you're confused by all the conflicting answers I urge you to contact Citizens Advice.

I work for them so they'll say what I said.