Do the DWP help people with savings?


J

Josie

My contribution based JSA is to end soon. I am not entitled to IB JSA
because of husbands 12K a year pension. I get the feeling the DWP are
planning to be of no service to me after this time.

My skills have been declared in the skills shortage list and so there are
loads of non-UK workers willing to do any jobs I apply for, for the NMW and
less that I could afford to take, so I am going to be unemployed for some
time.

I'd like to retrain and protect my NI record while I am unemployed.
Does anyone know if there will be any help available for me?

(BTW I have 3 kids and a mortgage so paying for my own training courses or
voluntary NICs are not options)

Thanks
Jo
 
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Josie said:
My contribution based JSA is to end soon. I am not entitled to IB JSA
because of husbands 12K a year pension. I get the feeling the DWP are
planning to be of no service to me after this time.

My skills have been declared in the skills shortage list and so there are
loads of non-UK workers willing to do any jobs I apply for, for the NMW and
less that I could afford to take, so I am going to be unemployed for some
time.

I'd like to retrain and protect my NI record while I am unemployed.
Does anyone know if there will be any help available for me?

(BTW I have 3 kids and a mortgage so paying for my own training courses or
voluntary NICs are not options)
You can carry on signing for credits only when it ends, you will needs to
fill in jsa3 review form.
 
L

Lynne

Josie said:
My contribution based JSA is to end soon. I am not entitled to IB JSA
because of husbands 12K a year pension. I get the feeling the DWP are
planning to be of no service to me after this time.

My skills have been declared in the skills shortage list and so there are
loads of non-UK workers willing to do any jobs I apply for, for the NMW and
less that I could afford to take, so I am going to be unemployed for some
time.

I'd like to retrain and protect my NI record while I am unemployed.
Does anyone know if there will be any help available for me?

(BTW I have 3 kids and a mortgage so paying for my own training courses or
voluntary NICs are not options)

Thanks
Jo
If you are in receipt of child benefit for your kids then you should be in
receipt of Home Responsibilities Protection, which credits your NI Fund for
pension purposes so you shouldn't have to worry about this until your caring
responsibilities end.

Lynne

http://www.thepensionservice.gov.uk/atoz/atozdetailed/homeres.asp
 
G

Gloria

Lynne said:
If you are in receipt of child benefit for your kids then you should be in
receipt of Home Responsibilities Protection, which credits your NI Fund for
pension purposes so you shouldn't have to worry about this until your caring
responsibilities end.

Lynne

http://www.thepensionservice.gov.uk/atoz/atozdetailed/homeres.asp
It doesn't actually say on this website, but when I tried to claim this (6
months ago) I was told that it only gave a credit for whole years that the
youngest children was under the age of 5.

Thanks
J
 
R

Robbie

From: "Lynne" (e-mail address removed)
Date: 28/02/04 12:38 GMT Standard Time
Message-id: <[email protected]>




If you are in receipt of child benefit for your kids then you should be in
receipt of Home Responsibilities Protection, which credits your NI Fund for
pension purposes so you shouldn't have to worry about this until your caring
responsibilities end.

Lynne

http://www.thepensionservice.gov.uk/atoz/atozdetailed/homeres.asp
I don't think this applies in this circumstance, otherwise the law would be
discrimanatory against men. ie as CB is normally paid to women, it would
discriminate against men.

The original poster should just keep signing on for credits.

Robbie
 
S

Sandy

Gloria said:
It doesn't actually say on this website, but when I tried to claim this (6
months ago) I was told that it only gave a credit for whole years that the
youngest children was under the age of 5.
Its is paid up until your youngest child is 16, not 5, and paid to the full
time parent of either sex who isnt working and at home with the kids.
 
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R

Robbie

From: "Sandy" (e-mail address removed)
Date: 28/02/04 19:41 GMT Standard Time
Message-id: <[email protected]>




Its is paid up until your youngest child is 16, not 5, and paid to the full
time parent of either sex who isnt working and at home with the kids.
But it's not paid to a working parent who receives Child Benefit. You can only
get the credit if you've got a full year of no NI credits and it's given
retrospectively.

Robbie
 
S

Sandy

Robbie said:
But it's not paid to a working parent who receives Child Benefit. You can only
get the credit if you've got a full year of no NI credits and it's given
retrospectively.
Yes, so if the non working parent isn't getting the CB it needs to be
transferred into their name so they get the NI contributions. I don't know
how it works for unmarried couples, if Dad stays home, as the CB is usually
in the mothers name only.
 
R

Robbie

From: "Sandy" (e-mail address removed)
Date: 28/02/04 20:38 GMT Standard Time
Message-id: <[email protected]>




Yes, so if the non working parent isn't getting the CB it needs to be
transferred into their name so they get the NI contributions. I don't know
how it works for unmarried couples, if Dad stays home, as the CB is usually
in the mothers name only.
Transfer the CB claim to the guy?

Robbie
 
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A

Andy Pandy

They were probably confusing HRP with the Second State Pension credits. You get
credits towards the *Second* State Pension if you are claiming child benefit for
a child under 6. You are treated as if you earned £11,200 for the purposes of
the SSP.

A point often missed is that HRP does *not* get you credits towards the basic
state pension. It reduces the number of qualifying years (ie years when you had
sufficient NI'able earnings or credits) you need to get the full state pension,
and by a maximum of 20 or 22 (depending on age).

For many people it amounts to the same thing - but not always. If you have no
qualifying years then however much HRP you have you'll get no basic state
pension.
But it's not paid to a working parent who receives Child Benefit.
It is if the working parent doesn't earn enough to make it a qualifying year.
 

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