Help! I don't know much about this.
At the moment I am working 16 hours a week, I get paid cash and don't have tax or anything taken out of my wages as I am on a low income. I know if you are on benefits you get contributions paid for you, if not it comes out of your wages. I am claiming a rate of working/child tax credits, should anyone be paying contributions for me or would it be up to me to contribute myself? If it is up to me to pay, do you think I should? I will be changing careers and working full time once my son is at school so will a couple of years without really matter as soon it will only be 30 years of contributions to qualify for a full state pension?
2007-07-18 11:32:26 · 6 answers · asked by laura231004 3 in Business & Finance ➔ Taxes ➔ United Kingdom
Realdolby, did you bother to read my question or did you just lauch into one of your usual rants?
If you did read it, I think it would be obvious that I am not a scrounger as I actually bother to work, I know I claim some benefits but what do you expect when I am also trying to raise a child which is a full time job in itself!
I don't have two jobs and I have obviously declared my earnings to the tax people otherwise I wouldn't be receiving WORKING tax credit!
I have already stated that I intend to work full time once my son is at school so I don't see how you can condemn all people on benefits as full-time scroungers, there are many reasons why people cannot work for some time (illness, disability, caring for family members or children, etc) and most of which would love to return to employment. Yes, I know there are plenty of people who don't bother or don't want to work but I don't feel it is your place to judge all people by this standard when you know nothing about them.
2007-07-18 23:22:42 · update #1
You have to be earning £87 a week before you pay National Insurance. If you are earning under this you are fine, but if you are earning over, your employer should be dedducting NI contributions from you. As you are a mother and receive child benefit, this is taken into consideration with NI and reduces the years you need to pay NI to receive a full state pension.
2007-07-18 11:43:26 · answer #1 · answered by Anonymous · 3⤊ 0⤋
To maintain your pension rights you should be paying class 3 contributions during your time abroad. That is currently £8.10 per week, was £7.10 a week during the last tax year. I don't know if there is any provision to pay retrospectively. you would have to ask the National Insurance Office at Newcastle. Did you pay any contributions before you went? And what will you do when you return here? If you are employed or self-employed, you will pay the relevant contributions, providing your earnings are high enough. To get a pension, you will have to have made so many years contributions, but it may be possible to get a reduced pension if you have made less than the minimum required for a full pension.
2016-05-17 04:15:15 · answer #2 · answered by ? 3 · 0⤊ 0⤋
It looks as though your earnings are below the lower earnings level and so are not required to pay national insurance contributions.
You can make voluntary contributions but at the moment I don't think you need to.
As you are bringing up your son you should be credited with contribution years under the Home Responsibility scheme. (Not sure if that is the exact name)
The only way to make sure is to obtain a pension forecast which will tell you how many years are currently counting towards your pension. You need to complete a form BR19 which can be downloaded from the Department of Works and Pensions website.
As you say it may be academic as the rules are to change soon but I would still check. Something might happen to stop the changes and you wouldn't want to lose out because of that.
2007-07-18 18:31:08 · answer #3 · answered by tringyokel 6 · 1⤊ 0⤋
The reason you have to pay contributions is because you may have more than 1 part time job and not telling.If you are on benefits like most scroungers are the stamps will be credited for pension purposes.Think about it this way if everyone in the Uk was like you where would the money come from for the benefits.In any event you must declare any earnings to Tax credit people.
2007-07-18 13:38:01 · answer #4 · answered by realdolby 5 · 1⤊ 3⤋
You should be paying them yourself and your employer is breaking the law. It is unlawful to employ someone and not pay the correct employer contributions. You never know where you'll be in 2 years soo I would say yes it does matter.
2007-07-18 11:36:31 · answer #5 · answered by Jo 4 · 3⤊ 1⤋
If you don't get a wage slip to tell you that you are paying through you wages then you should be paying for it yourself
2007-07-18 11:37:22 · answer #6 · answered by honey 3 · 2⤊ 0⤋