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National Insurance and Benefits information Confused

nina

Posted 07 March 2005 - 06:32 PM

Has anyone got any information as the 2001 DME excercise requires you to have some knowledge about this. I dont have a clue about it.

Can anyone help, please?

Nina

lipu

Posted 07 March 2005 - 07:20 PM

Well National Insurance is taken off your pay. Everyone who is working must pay national insurance to pay for services such as the NHS and state pensions.

Benefits come in two forms. One of these forms is means tested. Means tested benefits are ones such as Incapacity benefits and JSA. Means tested benefits are based on each persons individual circumstances e.g your incompacity benefit (if you qualified for it) would be based on how much your personal weath was, how mobile you were and if you worked hoe much you earned. The other type of benefits you get are Universal benefits eg the State Pension (everyone is entitled to them)

Hope that helps (and if anyone else has anything to add please feel free tongue.gif)

nina

Posted 08 March 2005 - 11:34 AM

So if you pay national insurane (say for instance u have only worked for a while and have only contributed £100) so will that person only have £100 for a pension? Or does everyone have a certain fixed amount as a pension?

Sorry..still a tad confused

George

Posted 08 March 2005 - 03:01 PM

QUOTE(nina @ Mar 8 2005, 11:34 AM)
So if you pay national insurane (say for instance u have only worked for a while and ahve onely contributed £100) so will that person only have £100 for a pension? Or does everyone have a certain fixed amount as a pension?

Sorry..still a tad confused

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Everyone is entitled to the state pension, but you will be paid a higher rate depending on your National Insurance contributions. I think at the moment, you need to pay National Insurance for something like 40 years to receive the full amount. At the other end of the scale, someone who has never paid National Insurance will receive only the basic rate.

nina

Posted 08 March 2005 - 07:09 PM

ah okay so there are rates which exist? i see. So how much is national insurance, is there an exact figure?

lipu

Posted 08 March 2005 - 07:47 PM

The Department for Work and Pensions (DWP) and the Inland Revenue websites are good recources for this ifnormation.

DWP: http://www.dwp.gov.uk
Inland Revenue: http://www.inlandrevenue.gov.uk

If you can't fnd it there just come back and I'll have a go finding it or ask your teacher!

nina

Posted 09 March 2005 - 11:32 AM

Thanks Very much. Really appreciate it! i'll just try that paper now.

Nina

lipu

Posted 09 March 2005 - 07:48 PM

You are very welcome. Remember Government sites are always a good place to look for info (if you have the time that is)

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