essexmat
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It seems you only need 10 qualifying years anyway? https://www.gov.uk/new-state-pension 1. Overview The new State Pension will be a regular payment from the government that you can claim if you reach State Pension age on or after 6 April 2016. You’ll be able to get the new State Pension if you’re eligible and: a man born on or after 6 April 1951 a woman born on or after 6 April 1953 The new State Pension will replace the current State Pension scheme. You’ll get your State Pension under the current scheme if you reach State Pension age before 6 April 2016. You can still get a State Pension if you have other income like a personal pension or a workplace pension. How much you can get The full new State Pension will be no less than £148.40 per week. The actual amount will be set in autumn 2015. Your National Insurance record is used to calculate your new State Pension. You’ll usually need 10 qualifying years to get any new State Pension. The amount you get can be higher or lower depending on your National Insurance record. It will only be higher if you have over a certain amount of Additional State Pension. You may have to pay tax on your State Pension.
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Reassuring to know, many thanks. So whilst on JSA and ESA (both C and IB) are am being credited in full towards my state pension? My worry was over qualifying years as I only have 19-20 instead of the 35 (I think)
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Apologies for asking such a stupid question but navigating the GOV websites and paperwork has confused me and I am normally good at this sort of thing. I don't know why but today I started worrying about my NICs for state pension even though I am only 40 years old. I am worrying about the qualifying years and having enough credit to claim a full state pension. OK, to be brief: I worked from 18-38 and paid full NI and tax in my job in London so have around 19-20 qualifying years. In Feb 2013 I claimed JSA after being made redundant and was on that for 18 months including my 6 months contribution based, this also included my time at INGEUS up to August 2014 From August 2014 I have been on assessment phase ESA (is that 1 year contributions based even after claiming JSA?) and currently awaiting my assessment (which I will fail as in not get enough points so will no doubt be back on JSA and INGEUS soon after) Although not relevant (I don't think I also get housing benefit) Now, whilst on my JSA and ESA (both C and IB) have I been accumalting credits towards my state pension or would they have stopped atany point so god forbid I struggle for many more years to get a job will I find myself at state pension age with a vastly reduced pension as I think it is 35 qualifying years? As stated, I have built up around 19-20 years to date. Probably panicking well ahead of time but it would be good to know where I stand and also if there is anyone I can contact directly to get a statement. Many thanks in advance
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"free money" Sorry, not having that AT ALL. In fact that is down right patronising to be honest
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I concur with this. I am on ESA at the moment so exempt but have advised my clients at the local work club NOT to get caught out thinking it is a free for all as JCP will be looking for anyone that has not complied over the Xmas period. As jasta says, a simple 5 minute a day one click application on a few jobs to cover yourself and you are fine. DO NOT give them the excuse to ruin the start to 2015. No doubt work coaches will be advised to up their sanctions in the new year by catching people out.
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ESA Habitual Residence Test and Residency
essexmat replied to shineygirl's topic in Benefits and HMRC
I would also add, although it may not be helpful on this thread or to you as you have more pressing issues, you have obviously reported your passport lost haven't you? If not, then I suggest you do this immediately -
I called ESA this morning - I have a payment due Christmas Day and it is going inon Christmas Eve
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Tribunal for a JSA sanction for not receiving a MWA letter
essexmat replied to Emma078's topic in Benefits and HMRC
Quite. Rather like the need for people to use food banks in the year 2014 and deciding whether to keep warm or eat - all basic human rights to be able to eat, have a roof over your head and keep warm. Blame Cameron, IDS, Osbourne and the rest of the unelected disgraceful Tory regime. The FACT is these welfare reforms ARE KILLING PEOPLE -
Unfortunately rules are not easy or clear unless yoyu really do know what you are looking for. It seems your claim has been closed automatically as the system has flagged you as being off sick over the allowed 2 times (up to 14 days each). If possible, see your doctor and get a short term ESA caim going dated back to when your claim was closed which will give you some breathing space (say a month or 2) and then re-claim JSA (not sure what the lagalities are on ESA to JSA reclaim but would have thought it would be straightforward) As has been mentioned, a nil income claim is essential if on HB and see if you can (in the interim) get some hardship payments Best of luck
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This will be useful to know as I have just checked and am due an ESA payment on Christmas Day!
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Does ESA count? Not even sure if I am on Contribution or Income ESA (claim started August 2014 and was previously on JSA)
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Xmas bonus? For what benefits?
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Thanks all, sorry for the delay, been out most of the morning. That is good to know, so in fact due to their ages there is no change at all. Relief to them I am sure! On another positive note just had some good news, my landlord has extended my lease for another 24 months with no rent increase. Now I just need a well paid job andI am more settled!
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They already receive pension/pension credit. They were both born in 1946
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https://www.gov.uk/new-state-pension/overview I could be misinterpreting things or simply not understanding them. Mostly concerned that my Fathers will drop from 190 to 148 and my Mothers stays the same thus losing around 168 a month
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Hi all. I have been reading up on the proposed pension changes in 2015/16 and am slightly concerned about my parents. They are both 68 years old and my Father gets £190.00p/w pension which is including pension credits and my Mother gets £26.00p/w as she never paid any contributions and worked cash in hand (regrets it now) Will they be affected as in my Fathers will drop to the new rate of £148.80 (I think) meaning a drop of £41.00ish and £164.00p/m?! Although they get carers, DLA and housing benefit they just about get by so a significant drop like this will put them right in the mire, or, will it balance out so they do not lose out as a couple? I really am quite concerned about this so any pensions people that understand this more than I do I would appreciate any input. Thanks
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Also, slightly changing the rhetoric of the thread do *YOU* as contributors think it is fair that: Person 1 Aged 25, only done a few hours per week on the off chance, built up no NI contributions, never worked full time or paid in to the system gets £72.40pw Person 2 Aged 40, worked full time for 20 years, fully up to date NI and tax contributions gets £72.40pw I know I know, what do I suggest? Well surely there needs to be some form of 'credit' on top of the JSA payments for people that have contributed/
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I would happily work for minimum wage (although I feel I shouldn't have to but that is another story) ....BUT, it would have to be a FULL TIME job of at least 36 hours and also not cost half my 'wages' getting there. You see sometimes it isn't MW that is the problem but the hours offered and location. Why would you work say 12 hours on MW for £70-80 plus have to work horrid hours AND pay for travel - surely there is no sense in that? I certainly WOULD NOT do it (others may though just to get off JSA)
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Well if you have to work for your JSA then by LAW it should be minimum wage so if over 25 and on £72.40pm JSA that is 11-12 hours work maximum - right?
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In the grand scheme of things it IS only a small % that 'play the system' but of course these people make it worse for genuine claimants that have maybe fallen on hard times and maybe have never claimed before. The system stinks, there is no easy 'cure' but it is an unfair system. Also, propaganda will tell you (from our lovely Tory government (unelected of course) that the unemployed and those on benefits are the problem in this country when in REALITY the spend of welfare is small compared to other demands. The % of benefit fraud is also negligible (although should be invesyigated and dealt with) How about concentrating on tax evasion for starters?
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Of course they are decreasing .... - seasonal work - part time work - short term work/zero contract - moving to ESA Unemployment is UP not DOWN
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At the very least it should be backdated - just more austerity savings against the poor I guess. As I said though, this cannot be legal? Maybe when I rent somewhere else I should say to the landlord "I am not set up how I want it yet so I am not paying a full months rent, here is 3 weeks so I can have a week to set the place up how I want it"
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So, money you are claiming genuinely and need through no fault of your own you do not get paid for for 7 days? That cannot be legal or ethically right?
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Done for benefit fraud - can i find who shopped me?
essexmat replied to ellena 1's topic in Benefits and HMRC
Quite. So, you do happen to find out who shopped you, and, what would YOU intend to do about it? The answer is, unless something illegal, nothing -
Performance Measurement Visit - ** GOOD OUTCOME **
essexmat replied to joeblogs's topic in Benefits and HMRC
Not sure what the legal implications are but being brutally honest I cannot see what powers a DWP representative has in snooping/checking stuff as a police officer/detective would have. I would check up on this and of course when they do visit you want full identification and paperwork showing what they are legally entitled to do. May be worth having a check and asking a legal expert what rights they have i.e. CAB
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