Wife's losing her job - worst case scenarios?
Discussion
As title, wife is facing redundancy from public sector. Currently working part time on about £27k pro rata.
Option of taking voluntary redundancy but not much of a financial benefit in doing so over a pretty small forced redundancy 'package'. She's been looking for other jobs but nothing has transpired yet. We pay about £550 a month in child care (for 3 days/week) so if she goes back full time we'll have factor in the cost of childcare for 5 days a week.
What I have no idea about is if/what benefits she/we may be entitled to?
Anyone been there and in the know?
If it makes a difference I earn about £45k gross, we have just the one child (2) and the usual mortgage and minimal savings.
Anyone help??
Option of taking voluntary redundancy but not much of a financial benefit in doing so over a pretty small forced redundancy 'package'. She's been looking for other jobs but nothing has transpired yet. We pay about £550 a month in child care (for 3 days/week) so if she goes back full time we'll have factor in the cost of childcare for 5 days a week.
What I have no idea about is if/what benefits she/we may be entitled to?
Anyone been there and in the know?
If it makes a difference I earn about £45k gross, we have just the one child (2) and the usual mortgage and minimal savings.
Anyone help??
I can't give specifics on your wife's situation but I suggest she makes an appointment at the local Job Centre for the day after she is made redundant, earlier if they will allow this. They will be able to explain what she is entitled to claim for, over what period and when this will commence. They should also be able to ensure she is credited with the required level of NI until she gets back to a job.
Do a Google search on "Job Centre" and call the free phone number. The initial call can take a while as they need quite a few details (employer, NI number etc) but it will speed things up when you meet someone fact to face at the centre.
Do a Google search on "Job Centre" and call the free phone number. The initial call can take a while as they need quite a few details (employer, NI number etc) but it will speed things up when you meet someone fact to face at the centre.
You can start here https://www.turn2us.entitledto.co.uk/entitlementca...
But, frankly, because you're a married, mortgaged couple, and you earn twice the average gross salary, you're going to get bugger all benefits - maybe a few quid a week in child tax credits.
But, frankly, because you're a married, mortgaged couple, and you earn twice the average gross salary, you're going to get bugger all benefits - maybe a few quid a week in child tax credits.
Pugster said:
Benefits? With you on 45K? You'll get squat and TBH why do you think that you should get any?
Why on earth shouldn't she get any benefits?She's been paying into the system for however long she's been working - why shouldn't she be allowd to claim what she is entitled to just because her partner happens to be succesful?
Pugster said:
Benefits? With you on 45K? You'll get squat and TBH why do you think that you should get any?
Possibly becasue of strange fact that you can barely run a family on £45k and yet you seem to manage just as easily if noone earns and everyone claim benefits. Thus commonsense would suggest that there would be some kind of uplift to make someones life easier on £45k, than someone who doesn't work.You will have a family income of £45k a year gross and you expect to be able to claim benefits? Why?
Your income far exceeds poverty.
It might be the case that 17yo Chardonnay and her three kids under 5 gets £25k a year state benefits and a free penthouse flat, but the system is flawed badly. This, you can thank the previous Govt for. Redistribution of wealth and all that. What they forget is that eventually those that are earning good money, don't actually want to pay for Chardonnay and her b
d offspring any more and we get a Tory Govt that needs to rebalance the books and the hardworking good people of this country (insert wife's name here)find that due to spending cuts they suddenly have no job or income.
If she has 'the work ethic' then she will find another job. There is always work for those that really, truly want it.
Good luck fella.
Your income far exceeds poverty.
It might be the case that 17yo Chardonnay and her three kids under 5 gets £25k a year state benefits and a free penthouse flat, but the system is flawed badly. This, you can thank the previous Govt for. Redistribution of wealth and all that. What they forget is that eventually those that are earning good money, don't actually want to pay for Chardonnay and her b
d offspring any more and we get a Tory Govt that needs to rebalance the books and the hardworking good people of this country (insert wife's name here)find that due to spending cuts they suddenly have no job or income.If she has 'the work ethic' then she will find another job. There is always work for those that really, truly want it.
Good luck fella.
Dan_1981 said:
Why on earth shouldn't she get any benefits?
She's been paying into the system for however long she's been working - why shouldn't she be allowd to claim what she is entitled to just because her partner happens to be succesful?
Because I would bet she's not entitled to any benefits at all. It should be a safety net not a way of maintaining a lifestyle.She's been paying into the system for however long she's been working - why shouldn't she be allowd to claim what she is entitled to just because her partner happens to be succesful?
I'm sure that the OP's life may have to change a bit with less cash coming in but I'm sure they'll cope. They won't exactly be on the breadline will they?
The "what am I entitled to" culture is one of the reasons we're in the s
t we are at the moment and that includes scroungers that do no work at all as well as people working and claiming tax credits with a BMW on the drive.I wish the OP well.
blindswelledrat said:
Possibly becasue of strange fact that you can barely run a family on £45k and yet you seem to manage just as easily if noone earns and everyone claim benefits. Thus commonsense would suggest that there would be some kind of uplift to make someones life easier on £45k, than someone who doesn't work.
bks. Plenty of people manage to easily run a family on a lot less. plasticpig said:
blindswelledrat said:
Possibly becasue of strange fact that you can barely run a family on £45k and yet you seem to manage just as easily if noone earns and everyone claim benefits. Thus commonsense would suggest that there would be some kind of uplift to make someones life easier on £45k, than someone who doesn't work.
bks. Plenty of people manage to easily run a family on a lot less. blindswelledrat said:
Disagree. IN the South of England trying to support a family of 4 on a gross salary of £45k is extremely difficult. Not impossible, of course, but you aren't left with much at the end of each month.
There is one obvious solution there... Don't live in the south.I'd suggest she stays home, looks after the kid, saves the £550 from going out and continues looking for a suitable job/trains for another career.
If your house is right you could of course take IN £550 by her becoming a registered child minder and effectively be paid to bring up your own kid...
Fatman2 said:
^^ This.
£550 is a lot of money out of a part-time salary. Assuming half of a £27k salary then take home must be about £900pcm so you'll be losing out on £350.
Although £350 is a fair amount of money it isn't a lot given your wife wouldn't need to work part-time anymore
If JSA is £70 per week = £303 pcm, net loss to your income is the cost of an Indian Takeaway!£550 is a lot of money out of a part-time salary. Assuming half of a £27k salary then take home must be about £900pcm so you'll be losing out on £350.
Although £350 is a fair amount of money it isn't a lot given your wife wouldn't need to work part-time anymore
Just my 2p.
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