Universal credit claim

[HibbyAndy]

So i have been in the same job for 20 years now but no longer fit enough to do it due to bunions which is leading to arthritis in my joints , To be fair i should have jacked in the job 2 years ago when my pain was at it's worst but it's now unbearable to the point i'll be handing in my notice very soon

Had a job my whole life so not sure how it all works with claiming UC , I take it that's a new name for Jobseekers allowance ? :greengrin....Obviously i have saved a few bob over the years with being in constant employment so will my claim be null and void as i have alot of my own money ?


Bit shan you have saved all your life and could end up with nothing in 6 months time if i can't find another job


Any feedback welcome :aok:

[Jack]

Try to get retired on ill health grounds.

I don't know anything about UC but if you've done 20 years employment an early retirement and immediate payment of pension might be an option.

[Oscar T Grouch]

So i have been in the same job for 20 years now but no longer fit enough to do it due to bunions which is leading to arthritis in my joints , To be fair i should have jacked in the job 2 years ago when my pain was at it's worst but it's now unbearable to the point i'll be handing in my notice very soon

Had a job my whole life so not sure how it all works with claiming UC , I take it that's a new name for Jobseekers allowance ? :greengrin....Obviously i have saved a few bob over the years with being in constant employment so will my claim be null and void as i have alot of my own money ?


Bit shan you have saved all your life and could end up with nothing in 6 months time if i can't find another job


Any feedback welcome :aok:

Your saving will affect your ability to claim Andy. If you have between £6k and £16k saved you will lose some of the benefits, above £16k you will not be eligible at all and will be expected to support yourself until your saving go below £16k. It is mental that you pay into a NI system all your life and because you have managed to save some cash through hard work and sacrifice you get punished when you actually need the benefits of that insurance. I would look into medical retirement, see if your pension will pay out. That is something one of the .net experts would need to offer advise on as I am clueless about that.

[RyeSloan]

So i have been in the same job for 20 years now but no longer fit enough to do it due to bunions which is leading to arthritis in my joints , To be fair i should have jacked in the job 2 years ago when my pain was at it's worst but it's now unbearable to the point i'll be handing in my notice very soon

Had a job my whole life so not sure how it all works with claiming UC , I take it that's a new name for Jobseekers allowance ? :greengrin....Obviously i have saved a few bob over the years with being in constant employment so will my claim be null and void as i have alot of my own money ?


Bit shan you have saved all your life and could end up with nothing in 6 months time if i can't find another job


Any feedback welcome :aok:

£16k is the savings cut off for UC.

You may be able to claim for statutory sick pay and / or employment support allowance (or whatever it’s called these days).

100% I think you should be speaking to your employer first though. Some employers insure you for loss of earnings through sickness etc and as others have said there may be early retirement options.

It’s a minefield for sure so tread carefully and do as much research as possible and seek as much guidance as you can. I know there are a few union reps n stuff on here so helpfully they might have some knowledge and experience to share.

Almost certainly though just handing in your notice like nothing is going on will not be the correct path here.

[Silky]

You should think about claiming Employment and Support Allowance if you are currently unfit to work. You can claim what's called New Style Employment and Support Allowance which is payable if you have been paying NI for the past couple of years. This is not means tested, so any money you have saved will not impact it. Can even claim it online!

[Pete70]

This isn’t UC advice but if your arthritis is limiting your ability to care for yourself, such as cooking dressing, bathing etc and/or your mobility, such as not being able to walk very far without pain you can claim Personal Independence Payment (PIP). This is a non income related benefit which means you can claim it no matter how much income or savings you have, you don’t need to be in receipt of any other benefits and it can be claimed if a person is working. Check the benefits section of the Gov.uk website.

[DH1875]

If your married then your wife's earnings are also taken into consideration.

[Andy Bee]

PIP is non means tested so you may be eligible for that based on your fitness (points based on the level of disability i.e. if you can't walk 50m without pain 8 points and enough to qualify for PIP)

It's called something else now in Scotland but basically the same benefit as PIP.

Edit* Apologies Pete, I didn't notice your post

[HibbyAndy]

Very much appreciated guys thanks for your help :aok:

[Andy Bee]

As mentioned mate, don't under any circumstances just hand your notice in and leave without at the very least speaking to your line manager or Union representative. If you work for who I think you do then they have an early retirement due to ill health policy where a lump sum can be payable.

[w pilton hibby]

So i have been in the same job for 20 years now but no longer fit enough to do it due to bunions which is leading to arthritis in my joints , To be fair i should have jacked in the job 2 years ago when my pain was at it's worst but it's now unbearable to the point i'll be handing in my notice very soon

Had a job my whole life so not sure how it all works with claiming UC , I take it that's a new name for Jobseekers allowance ? :greengrin....Obviously i have saved a few bob over the years with being in constant employment so will my claim be null and void as i have alot of my own money ?


Bit shan you have saved all your life and could end up with nothing in 6 months time if i can't find another job


Any feedback welcome :aok:

As someone who had to go down a similar path 10 years ago I would advise you to seek advice from Citizens Advice.

They deal with this kind of situation on a daily basis. Very knowledgeable and experienced.

[HibbyAndy]

As mentioned mate, don't under any circumstances just hand your notice in and leave without at the very least speaking to your line manager or Union representative. If you work for who I think you do then they have an early retirement due to ill health policy where a lump sum can be payable.


Cheers Andy mate that's helpful :aok:


As someone who had to go down a similar path 10 years ago I would advise you to seek advice from Citizens Advice.

They deal with this kind of situation on a daily basis. Very knowledgeable and experienced.

Thanks mate :aok: