Jobseeker's Pay Related Benefit

D

DrDoolittle

Registered User
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I am taking redundancy shortly and will be entitled to 9 months JB. Currently it is €232 but when the new 'pay related' JB is finally introduced I'd be entitled to significantly more than the flat rate of JB.

Unfortunately it seem I will not be entitled to this as it's only for new claims :-( "Jobseeker’s Pay-Related Benefit is a payment for people who lose their job on or after 31 March 2025 and have paid enough pay-related social insurance (PRSI) contributions."

Is there any way around this? Can I delay my claim to start 4 months after I finish work ?
 
You can wait to make an application in March 2025 but you will not get Jobseekers Credits for the period after leaving work until you sign on. It could affect future claims depending on your age.
 
I can see no reason why not. If a person left work and was not available to claim for whatever reason for a few months, it would not affect a current application.
 
DrDoolittle said:
people who lose their job on or after 31 March 2025
Click to expand...
This implies that you must have worked up to 31st March 2025 to qualify.

You could take up some part time employment after your redundancy and cease this on or after 31st March 2025.

Then apply for JB.
 
S class said:
This implies that you must have worked up to 31st March 2025 to qualify.

You could take up some part time employment after your redundancy and cease this on or after 31st March 2025.

Then apply for JB.
Click to expand...
Thanks S class

However I found this on citizens information. Does it mean I must apply right away.

Examples of time limits to apply for a payment​

In the case of Jobseeker’s Benefit, you must apply on the day you become eligible.
 
If you do take another job, would the pay related benefit not be based on that new income? Or does it look back for some time to do the calculation?

Also, are you sure your final date is before March? Probably it is given the distance but make sure you understand at which date you will become eligible eg if you are put on gardening leave, when is your actual end date? Is there any flex in your org to continue work until then, or have the terms/end dates already been agreed? Having been through the process a couple of times, the dates in my case moved several times.

I guess this is one of those things that they have to have a cut off/start date and some people will be on one side of it and some on the other.
 
The existing system determines your rate of payment based on your class A earnings during the governing year. This is two years before your claim date.

If you claimed in 2024 your JB payment is based on your earnings in 2022.

I don't know if this method will still be used for the pay related JB.
 
DrDoolittle said:
Thanks S class

However I found this on citizens information. Does it mean I must apply right away.

Examples of time limits to apply for a payment​

In the case of Jobseeker’s Benefit, you must apply on the day you become eligible.
Click to expand...
I don't know the answer to this one.
Some other posters on AAM have said that they were able to delay their claim and they did not lose out on any JB payments.

The wording is that you must apply as soon as you become eligible.

If you ceased employment but we're unable pr unwilling to be available for work you would not qualify for JB immediately after the employment cease date.

You would only qualify on the date you become available for employment again.

So you could determine your eligibility date yourself.
 
Isn't this how it's done?

Social Welfare (Miscellaneous Provisions) Act 2024, Section 13

The electronic Irish Statute Book (eISB) comprises the Acts of the Oireachtas (Parliament), Statutory Instruments, Legislation Directory, Constitution and a limited number of pre-1922 Acts.
www.irishstatutebook.ie
 
Don't forget that it's also taxable based on your yearly income so anything you get this year is probably taxed given you have worked for 80% of the year. Same with next year should you get back into the workforce. A good example of government policy of we giveth and we taketh ....
 
Thanks @ClubMan and @S class

Would be complex but in theory could delay claim until April. I would then need to arrange 4 contributions working in the 10 weeks before. Then if it were based based on earnings in previous 52 weeks / divided by number of contributions that would basically cancel out impact of lack of contributions for Jan-March...

however I have rental income and was planning on using that to avoid contribution gaps....Unfortunately I understand the 4 working contributions I need in March would cancel all my s-class contributions for the entire year.

I'm beginning to reconcile myself to the idea that I just missed out on the pay related benefit by 4 months from my finish date :-(

Thanks for the help
 
DrDoolittle said:
however I have rental income and was planning on using that to avoid contribution gaps....Unfortunately I understand the 4 working contributions I need in March would cancel all my s-class contributions for the entire year.
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If you start your ARF by next year you will retain the class S on your rental.

The ARF cancels out the conversion of your rental to class K when you have class A in the same year.

Also you only need a combination of rental and ARF drawdowns up to a total of 5000 euro to get 52 class S.

For example, if you had rental of 4000 euro and an ARF drawdown of 1000 euro you would get 52 class S for that year.

This is explained in this thread...

Key Post - PRSI and planning retirement

This Key Post is in the form of a FAQ where I don't know many of the answers. I will update the post as I get answers. 1. PRSI payable on reaching state pension age Answer: 0 (Class M) 1a. Does this relate to the start of the tax year in which you become 66? Or to after your birthday? Answer...
www.askaboutmoney.com
 
If your share of the rental income is more than 7500 euro per year you should read this thread.

You might run into difficulties if you delay claiming JB as rental income of over 7500 might not qualify as subsidiary income.

Both employments need to be carried out concurrently for a period of approximately 6 months immediately prior to the date of claim in order for one employment to be classed as subsidiary.

Your earned employment is one employment.
The rental income of over 7500 is classed as self employment and this needs to be subsidiary employment in order to qualify for JB.

Can a person with rental or investment income over 7500 euro per year qualify for 65s benefit ?

No. However they could qualify for Jobseekers benefit at age 65. Basically the subsidiary employment rules for Jobseekers benefit are different to those for 65s benefit. Employment 1. PAYE employment Employment 2. Rental or investment income over 7000 euro per year. To qualify...
www.askaboutmoney.com
 
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As a matter of interest how much more are they going to pay anyway ? I suspect it's capped very low.
 
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