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If you are un-employed, do you have to sign on?

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OTTO
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2009/07/24 11:15:33 (permalink)
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If you are un-employed, do you have to sign on?

Is it legally required that you have to sign on the dole (Job Seakers Allowance) if you are unemployed?
 
Or can you just happily be unemployed for 6 months and live off your savings?
 
Do you still have to contribute National Insurance when you are unemployed?
#1

15 Replies Related Threads

    1ManRiot
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    Re:If you are un-employed, do you have to sign on? 2009/07/24 11:18:26 (permalink)
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    It's the NI bit that creates the problems, you're effectively not paying any and the greedy pigs will want something from you one way or another- I just don't know how they go about it.

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    #2
    mad_cereal_lover
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    Re:If you are un-employed, do you have to sign on? 2009/07/24 11:22:16 (permalink)
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    26

    It's the NI bit that creates the problems, you're effectively not paying any and the greedy pigs will want something from you one way or another- I just don't know how they go about it.


    I don't understand this, you wouldn't be paying NI on JSA money would you?  If you are living off of savings, presumably saved from taxed income, my understanding is you have no requirement to sign on whatsoever or pay any tax/NI.
     
    mcl
    #3
    mackenzie_uk
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    Re:If you are un-employed, do you have to sign on? 2009/07/24 11:26:37 (permalink)
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    When on JSA they pay your NI contributions for you.


    "Why Climb a Mountain, when you can become one..."

    #4
    adam09
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    Re:If you are un-employed, do you have to sign on? 2009/07/24 11:40:17 (permalink)
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    no you dont have to sign on mate, not if you dont want to. but you can still use the job centre machines etc if you choose not to.
    hope this helps
    #5
    mackenzie_uk
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    Re:If you are un-employed, do you have to sign on? 2009/07/24 11:44:54 (permalink)
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    I think you might need to sign on just to aware them to pay your N.I. contributions.

    If you've got savings of over £6,000 you get **** though.


    "Why Climb a Mountain, when you can become one..."

    #6
    OTTO
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    Re:If you are un-employed, do you have to sign on? 2009/07/24 11:48:00 (permalink)
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    thats what I mean, if you have savings then do they pay your NI for you?

    I remember my mum getting screwed over for having a gap in her NI contributions, she couldnt claim sick pay when had a brain haemorage (sp)
    #7
    gingernut
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    Re:If you are un-employed, do you have to sign on? 2009/07/24 11:54:13 (permalink)
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    Yes, they will pay your NI even if you still don't get any benefit. However you can always opt to pay your own contributions. Think it works out around £9 a week or something.
     
    Also worth doing an NI check (ring HMRC for this) since I found I was missing 2 years worth in total from two completely different employers and yes it meant I couldn't get Incapacity Benefit when I needed it - it also meant I would/could have a pension shortfall in the future.
     
    So sort it out!!!

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    tac
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    Re:If you are un-employed, do you have to sign on? 2009/07/24 11:55:48 (permalink)
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    you can make volunntary class 2 contributions

    i think you can also make other arrangements to pay a gap in contributions, if you dont want to sign on

    (why not btw - you're entitled to the money, and if you've been working you've probably paid for it 10 times over through your taxes?)

    check out direct.gov.uk  loads of info on there

    or phone the job centre, although Id double check anything they tell you as they tend to be bloody clueless

    CAB are good, but often busy and not easy to get through to


    #9
    verypc
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    Re:If you are un-employed, do you have to sign on? 2009/07/24 12:06:00 (permalink)
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    mackenzie_uk

    If you've got savings of over £6,000 you get **** though.


    Not quite.  There are 2 kinds of JSA: contributions-based and income-based.  The maximum amounts are the same, but the entitlement is different:

    As long as you have previously paid enough NI contributions, you will be entitled to 6 months of contributions-based JSA.  I have a gap in my contributions so won't get the full state pension but I'm still getting the maximum amount of JSA, so the gap didn't make a difference in my case. 

    It's only after the 6 months that your savings are taken into account (or if you didn't qualify for contribusions-based JSA to begin with).  If you exceed the savings limit then you won't get any income-based JSA.

    NI contributions are paid on your behalf no matter which type of JSA you are receiving.
    #10
    LMC
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    Re:If you are un-employed, do you have to sign on? 2009/07/24 12:23:22 (permalink)
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    NI contributions aren't paid automatically when you're out of work but they will be paid if you register with the JOb Centre as being unemployed.

    I've had many periods of being unemployed but not claiming (extended holidays, time between contracts) and I'm sure it will bite me in the arse come retirement time.
    #11
    1ManRiot
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    Re:If you are un-employed, do you have to sign on? 2009/07/24 12:29:15 (permalink)
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    mad_cereal_lover

    26

    It's the NI bit that creates the problems, you're effectively not paying any and the greedy pigs will want something from you one way or another- I just don't know how they go about it.


    I don't understand this, you wouldn't be paying NI on JSA money would you?  If you are living off of savings, presumably saved from taxed income, my understanding is you have no requirement to sign on whatsoever or pay any tax/NI.
     
    mcl


    As said- they get paid on your behalf.  Strange system that penalises those who don't want to claim JSA!

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    #12
    OTTO
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    Re:If you are un-employed, do you have to sign on? 2009/07/24 13:46:45 (permalink)
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    tac

    i think you can also make other arrangements to pay a gap in contributions, if you dont want to sign on

    (why not btw - you're entitled to the money, and if you've been working you've probably paid for it 10 times over through your taxes?)


    I am in the process of setting up a business , I have enough to live off at the moment - the main reason I do not want to sign on is just that I cannot be arsed going in every 2 weeks, and going to interviews which I thought was compulsory? do they not make you go for job interviews?
     
    It would be kind of pointles really?
    #13
    gingernut
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    Re:If you are un-employed, do you have to sign on? 2009/07/24 13:51:19 (permalink)
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    It's not compulsory for the first 6 months, then only if they get you a job. Yes you do have to sign on every 2 weeks. Why not just pay your NI voluntarily then - give HMRC a ring and get a direct debit set up.

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    #14
    OTTO
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    Re:If you are un-employed, do you have to sign on? 2009/07/24 14:06:34 (permalink)
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    yes i'l do that gingernut, I didnt realise you could just pay them off your own back. Thanks
    #15
    kitty
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    Re:If you are un-employed, do you have to sign on? 2009/07/24 20:45:28 (permalink)
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    Yep, agree with gingernut. I pay mine privately.
    #16
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