{"id":326,"date":"2021-03-09T08:00:32","date_gmt":"2021-03-09T13:00:32","guid":{"rendered":"https:\/\/www.harmonizehq.com\/blog\/?p=326"},"modified":"2021-06-08T01:53:18","modified_gmt":"2021-06-08T05:53:18","slug":"uk-unemployment-benefits","status":"publish","type":"post","link":"https:\/\/www.harmonizehq.com\/blog\/uk-unemployment-benefits\/","title":{"rendered":"An Overview of UK Unemployment Benefits"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">In its latest unemployment report, the Office of National Statistics reported that the rate of unemployment in the UK rose to 3.9%, an increase of 50,000 people in unemployment.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That figure was from the start of the pandemic, and the number of those unemployed is likely to be much larger due to Covid-19. When many people file for unemployment, the number of those requiring UK unemployment benefits will also rise. This article will provide an overview of the help and benefits available in the UK if you find yourself without a job.\u00a0<\/span><\/p>\n<div id=\"attachment_328\" style=\"width: 1034px\" class=\"wp-caption alignnone\"><img aria-describedby=\"caption-attachment-328\" loading=\"lazy\" class=\"wp-image-328 size-large\" src=\"https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/UK-Unemployment-Benefits-3-1024x450.png\" alt=\"UK Unemployment Rate upto 2020\" width=\"1024\" height=\"450\" srcset=\"https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/UK-Unemployment-Benefits-3-1024x450.png 1024w, https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/UK-Unemployment-Benefits-3-300x132.png 300w, https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/UK-Unemployment-Benefits-3-768x338.png 768w, https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/UK-Unemployment-Benefits-3-1536x675.png 1536w, https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/UK-Unemployment-Benefits-3.png 1999w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><p id=\"caption-attachment-328\" class=\"wp-caption-text\">Unemployment rate (age 16 and over) Jan 2007 &#8211; Apr 2020; Source: ONS<\/p><\/div>\n<p><span style=\"font-weight: 400;\">It is important to remember that <\/span><span style=\"font-weight: 400;\">claiming UK unemployment benefits is a good thing<\/span><span style=\"font-weight: 400;\">. It is there for a reason and the stigma that sometimes surrounds it should not hold you back from seeking help.\u00a0<\/span><\/p>\n\n<h2>What UK Unemployment Benefits Are Available?<\/h2>\n<h3>Jobseekers\u2019 Allowance (JSA)<\/h3>\n<p><span style=\"font-weight: 400;\">If you become unemployed, your first port of call is JSA. This is available to you while you look for a full-time job or if you\u2019re working less than 16 hours a week.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The three types of JSA are:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Contribution-based<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u2018New style\u2019 JSA<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Income-based<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Basic eligibility criteria for JSA:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You must be <\/span><span style=\"font-weight: 400;\">18 or over <\/span><span style=\"font-weight: 400;\">and <\/span><span style=\"font-weight: 400;\">under the pension age<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You work <\/span><span style=\"font-weight: 400;\">less than 16 hours per week<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You are <\/span><span style=\"font-weight: 400;\">available for full-time work<\/span><span style=\"font-weight: 400;\"> and are <\/span><span style=\"font-weight: 400;\">actively looking <\/span><span style=\"font-weight: 400;\">for it<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You are <\/span><span style=\"font-weight: 400;\">not in full-time education<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You are <\/span><span style=\"font-weight: 400;\">not claiming Income Support\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You <\/span><span style=\"font-weight: 400;\">do not have an illness or disability <\/span><span style=\"font-weight: 400;\">that prevents you from working<\/span><\/li>\n<\/ul>\n<h4><strong>Contribution-based JSA (CBJ)<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">Contribution-based JSA is the best option as your savings, assets and partner\u2019s income won\u2019t affect the calculation or amount of your claim. You can claim CBJ, irrespective of your citizenship.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To claim CBJ, you need to have:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Worked for at least <\/span><span style=\"font-weight: 400;\">26 weeks earning more than the lower earnings limit <\/span><span style=\"font-weight: 400;\">(\u00a3120) per week for at least one of the last two years<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paid Class 1 National Insurance on 50 weeks\u2019 work <\/span><span style=\"font-weight: 400;\">at the lower earnings limit during each of the 2 previous tax years<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Furthermore, you can <\/span><span style=\"font-weight: 400;\">only apply for CBJ if you get either<\/span><span style=\"font-weight: 400;\">:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The <\/span><span style=\"font-weight: 400;\">severe disability premium<\/span><span style=\"font-weight: 400;\">, or<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Received or were <\/span><span style=\"font-weight: 400;\">entitled to the severe disability premium in the last month <\/span><span style=\"font-weight: 400;\">and are <\/span><span style=\"font-weight: 400;\">still eligible for it<\/span><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li>\n<\/ul>\n<h4><strong>New-style JSA<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">To be eligible, you\u2019ll have to have worked as an <\/span><span style=\"font-weight: 400;\">employee for at least 26 weeks earning more than \u00a3120 a week in at least one of the 2 previous tax years<\/span><span style=\"font-weight: 400;\">. You must have paid Class 1 NI contributions for the last 2 to 3 years.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You also need to meet these criteria:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Be 18 or over\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Be under pension age<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Not be in full-time education<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Be available for work<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Not be working at the moment, or working less than 16 hours a week<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Not have an illness or disability which stops you from work<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Live in England, Scotland or Wales\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have the <\/span><span style=\"font-weight: 400;\">right to work in the UK<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You must also <\/span><span style=\"font-weight: 400;\">actively be seeking full-time employment<\/span><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<h4><strong>Income-based JSA<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">Universal credit has replaced income-based JSA <\/span><span style=\"font-weight: 400;\">for most people.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can <\/span><span style=\"font-weight: 400;\">only apply for income-based JSA if you either<\/span><span style=\"font-weight: 400;\">:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Get the <\/span><span style=\"font-weight: 400;\">severe disability premium<\/span><span style=\"font-weight: 400;\">, or you are entitled to it, or\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You got or you were <\/span><span style=\"font-weight: 400;\">entitled to the severe disability premium within the last month<\/span><span style=\"font-weight: 400;\"> and you are still eligible for it<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You also need to meet these eligibility criteria for income-based JSA:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Be 18 or over\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Be under pension age<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Not be in full-time education<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Be available for work<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Not be working at the moment, or working less than 16 hours a week<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Not have an illness or disability which stops you from work<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Be single or have a partner that works <\/span><span style=\"font-weight: 400;\">less than 24 hours a week on average<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have <\/span><span style=\"font-weight: 400;\">\u00a316,000 or less in savings <\/span><span style=\"font-weight: 400;\">(this includes your partner\u2019s savings)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you have a partner and are claiming income-based JSA, you must make a joint claim. For further information, go to your nearest Jobcentre or Jobcentre Plus.\u00a0<\/span><\/p>\n<h4><strong>How Much JSA Will You Get?\u00a0\u00a0<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">Every type of JSA pays the same personal allowance per week. The <\/span><span style=\"font-weight: 400;\">amount is dependent on your age:<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">18 to 24 &#8211; \u00a358.90<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">25 or over &#8211; \u00a374.35<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you claim income-based JSA as a couple, you can get \u00a3116.80<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">However, the exact amount you get depends on your circumstances, so it\u2019s impossible to provide an accurate number here. The <\/span><a href=\"https:\/\/benefits-calculator.turn2us.org.uk\/AboutYou\"><span style=\"font-weight: 400;\">Turn2Us Benefits Calculator<\/span><\/a> can <span style=\"font-weight: 400;\">help you calculate your JSA entitlement<\/span><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You may also receive extra payments called premiums if you claim income-based JSA and you or your partner are:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Disabled\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A carer receiving Carer\u2019s Allowance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Over the state pension age for a woman<\/span><\/li>\n<\/ul>\n<h4><strong>How to Claim Jobseeker\u2019s Allowance?<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">The easiest method is through Jobcentre Plus. To find your nearest Jobcentre, follow <\/span><a href=\"https:\/\/find-your-nearest-jobcentre.dwp.gov.uk\/search.php\"><span style=\"font-weight: 400;\">this link<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Alternatively, you call them on 0800 055 6688 or 0800 023 4888.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For more information on JSA and other UK unemployment benefits available, visit the <\/span><a href=\"https:\/\/www.gov.uk\/jobseekers-allowance\/apply-contribution-income-based-jsa\"><span style=\"font-weight: 400;\">Government website<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><img loading=\"lazy\" class=\"alignnone wp-image-331 size-large\" src=\"https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/Job-Center-Plus--1024x515.png\" alt=\"Job Center Plus UK Unemployment Benefits\" width=\"1024\" height=\"515\" srcset=\"https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/Job-Center-Plus--1024x515.png 1024w, https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/Job-Center-Plus--300x151.png 300w, https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/Job-Center-Plus--768x387.png 768w, https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/Job-Center-Plus-.png 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h3><b>Support for Mortgage Interest (SMI)<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Alongside your JSA, you may claim SMI if you are a <\/span><span style=\"font-weight: 400;\">homeowner who requires help towards mortgage payments of up to \u00a3200,000<\/span><span style=\"font-weight: 400;\">. This becomes <\/span><span style=\"font-weight: 400;\">\u00a3100,000 if you are getting pension credit or any other qualifying benefit<\/span><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The SMI is a loan that you borrow from the Government to pay your interest on your existing mortgage or to pay for loans that you have taken out for certain repairs and improvements on your home. The payments go directly to your lender.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You <\/span><span style=\"font-weight: 400;\">do not have to pay back the loan immediately <\/span><span style=\"font-weight: 400;\">\u2013 only once you sell your home or transfer ownership of it to another. <\/span><span style=\"font-weight: 400;\">Interest is added to your loan<\/span><span style=\"font-weight: 400;\">, currently at a rate of <\/span><span style=\"font-weight: 400;\">1.3%<\/span><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To qualify for SMI, you need to be getting one of these:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Income support\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Income-based JSA<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Income-related Employment and Support Allowance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Universal Credit\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pension Credit\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">SMI cannot be used to:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Repay the amount you borrowed<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay anything towards insurance policies you have<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay missed mortgage payments<\/span><\/li>\n<\/ul>\n<h3>Universal Credit (UC)<\/h3>\n<p><img loading=\"lazy\" class=\"alignnone wp-image-332 size-large\" src=\"https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/UK-Unemployment-Benefits-4-1024x573.png\" alt=\"Universal Credit UK Unemployment Benefits\" width=\"1024\" height=\"573\" srcset=\"https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/UK-Unemployment-Benefits-4-1024x573.png 1024w, https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/UK-Unemployment-Benefits-4-300x168.png 300w, https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/UK-Unemployment-Benefits-4-768x430.png 768w, https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/UK-Unemployment-Benefits-4-1536x859.png 1536w, https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/UK-Unemployment-Benefits-4.png 1616w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p>Those who are out of work, on a low income or those who cannot work are paid Universal Credit.\u00a0<span style=\"font-weight: 400;\">It is a <\/span><span style=\"font-weight: 400;\">payment to help with your living costs and is paid out monthly<\/span><span style=\"font-weight: 400;\"> or twice a month.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To apply, click <\/span><a href=\"https:\/\/www.universal-credit.service.gov.uk\/postcode-checker\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">, create an account and complete the form.<\/span><\/p>\n<div class=\"lyte-wrapper fourthree\" style=\"width:480px;max-width:100%;margin:5px auto;\"><div class=\"lyMe\" id=\"WYL_0Kh8o04zWsI\"><div id=\"lyte_0Kh8o04zWsI\" data-src=\"https:\/\/blog.harmonizehq.com\/wp-content\/plugins\/wp-youtube-lyte\/lyteCache.php?origThumbUrl=%2F%2Fi.ytimg.com%2Fvi%2F0Kh8o04zWsI%2Fhqdefault.jpg\" class=\"pL\"><div class=\"tC\"><div class=\"tT\"><\/div><\/div><div class=\"play\"><\/div><div class=\"ctrl\"><div class=\"Lctrl\"><\/div><div class=\"Rctrl\"><\/div><\/div><\/div><noscript><a href=\"https:\/\/youtu.be\/0Kh8o04zWsI\"><img src=\"https:\/\/blog.harmonizehq.com\/wp-content\/plugins\/wp-youtube-lyte\/lyteCache.php?origThumbUrl=https%3A%2F%2Fi.ytimg.com%2Fvi%2F0Kh8o04zWsI%2F0.jpg\" alt=\"\" width=\"480\" height=\"340\" \/><br \/>Watch this video on YouTube<\/a><\/noscript><\/div><\/div><div class=\"lL\" style=\"max-width:100%;width:480px;margin:5px auto;\"><\/div><\/p>\n<p><span style=\"font-weight: 400;\">Universal credit has <\/span><span style=\"font-weight: 400;\">replaced the following benefits:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Child tax credit\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Housing benefit\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Income support\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">income-based JSA<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Income-related Employment and Support Allowance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Working tax credit<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You can\u2019t claim UC if you get a severe disability premium or are entitled to it or you got or were entitled to the severe disability premium in the past month and are still eligible for it.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can claim UC if you are:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">On a low income or out of work\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Over the age of 18\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Under the state pension age (or if your partner is)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">With savings under \u00a316,000 between you and your partner<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Living in the UK<\/span><\/li>\n<\/ul>\n<h4><strong>How much UC with you get?<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">While we cannot calculate exactly how much you will get, these are the standard amounts:\u00a0<\/span><\/p>\n<table style=\"height: 269px;\" width=\"892\">\n<tbody>\n<tr>\n<td><b>Circumstance and Age<\/b><\/td>\n<td><b>Standard UC Amount<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Single, under 25<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a3342.72 per month<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Single, over 25<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a3409.89 per month<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Joint claim, both under 25<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a3488.59 per month<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Joint claim, one or both over 25<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a3594.04 per month<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">This is merely the basic rate, if you require further help with housing, children, childcare, caring for another or for not being able to work due to sickness or disability, then extra amounts can be added to your standard amount.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The more you earn, the less UC you receive<\/span><span style=\"font-weight: 400;\">. For every \u00a31 you earn, you typically lose 63p in UC. However, if you have a child, you can work a little bit without reducing your UC amount.<\/span><\/p>\n<h4><strong>How the UC payment works?\u00a0<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">After you apply, it usually takes <\/span><span style=\"font-weight: 400;\">5 weeks to get your first UC payment<\/span><span style=\"font-weight: 400;\">. But you can ask for <\/span><span style=\"font-weight: 400;\">advance payment <\/span><span style=\"font-weight: 400;\">if you don\u2019t think you will have enough to live on for those 5 weeks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">After the initial payment, you will be paid every month on the same date.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you receive UC to pay for housing, you will be expected to pay this yourself but it will come separately, called the \u2018housing element\u2019.\u00a0<\/span><\/p>\n<h4><strong>Backdating UC<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">You can backdate your payment for up to 1 month before you started your claim. But you need to demonstrate to the Department for Work and Pensions (DWP) that you had a good reason for not claiming earlier.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Illness \u2013 you need a medical certificate\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Disability\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You were not told that your JSA\/ESA was going to end\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The online claims system was down<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You have broken up with your partner and are now making a single claim<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You did not claim in time because DWP gave you the wrong information<\/span><\/li>\n<\/ul>\n<h4><strong>Your Responsibilities for Claiming UC\u00a0<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">UC comes with responsibilities that you must agree to when you apply. Primarily, this is to <\/span><span style=\"font-weight: 400;\">look for a job<\/span><span style=\"font-weight: 400;\">, but this can be split into:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Writing a CV<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Actively looking and applying for full-time jobs\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Seek training to develop your skills<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You must also pay your own rent and other housing costs that may be accrued as well as <\/span><span style=\"font-weight: 400;\">reporting any changes to your circumstances<\/span><span style=\"font-weight: 400;\">. If you fail to report any changes to your circumstances, you may face a \u00a3300 fine.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you do not meet these responsibilities, you may receive a sanction<\/span><span style=\"font-weight: 400;\">. <\/span><span style=\"font-weight: 400;\">Sanctions are a punishment for not doing your part. One such sanction may be to end your UC payment or reduce it by a certain amount.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If your payment is stopped through a sanction, you can ask for a hardship payment if you can\u2019t pay for rent, heating, food and hygiene needs<\/span><span style=\"font-weight: 400;\">. You will have to repay this through future UC payments. To receive hardship payments, you need to show:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">That you tried to find the money from somewhere else<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">That you only spent the money on essentials<\/span><\/li>\n<\/ul>\n<h3><b>Food Bank<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Food banks are the last resort <\/span><span style=\"font-weight: 400;\">if you do not have any money for sustenance<\/span><span style=\"font-weight: 400;\">. Use the internet, local job centres or Citizens Advice to find where your local food bank is.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, most food banks do not allow walk-ins \u2013 often, <\/span><span style=\"font-weight: 400;\">you need a referral<\/span><span style=\"font-weight: 400;\">. The best place to get a referral is your <\/span><span style=\"font-weight: 400;\">local Citizens Advice <\/span><span style=\"font-weight: 400;\">who will assess your situation and refer you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Find your nearest Citizens Advice by clicking <\/span><a href=\"https:\/\/www.citizensadvice.org.uk\/about-us\/contact-us\/contact-us\/contact-us\/\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">. Alternatively, call their advice line through this number: 03444 111 444 (England) or 03444 77 20 20 (Wales).<\/span><\/p>\n<p><img loading=\"lazy\" class=\"alignnone wp-image-333 size-large\" src=\"https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/Food-Banks-UK-Unemployment-Benefits-1024x683.jpg\" alt=\"Food Banks UK Unemployment Benefits\" width=\"1024\" height=\"683\" srcset=\"https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/Food-Banks-UK-Unemployment-Benefits-1024x683.jpg 1024w, https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/Food-Banks-UK-Unemployment-Benefits-300x200.jpg 300w, https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/Food-Banks-UK-Unemployment-Benefits-768x512.jpg 768w, https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/Food-Banks-UK-Unemployment-Benefits-1536x1024.jpg 1536w, https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/Food-Banks-UK-Unemployment-Benefits-930x620.jpg 930w, https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/Food-Banks-UK-Unemployment-Benefits.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h2><b>UK Unemployment Benefits for EEA Citizens<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">You may be able to claim benefits if you are <\/span><span style=\"font-weight: 400;\">from the EEA and have a right to reside in the UK or have settled status<\/span><span style=\"font-weight: 400;\">. The EEA covers <\/span><span style=\"font-weight: 400;\">the EU member states as well as Iceland, Liechtenstein, and Norway<\/span><span style=\"font-weight: 400;\">. Swiss nationals, while not from within the EEA, may be able to claim some benefits.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you\u2019ve lived in the UK for longer than 5 years, you need to apply for \u2018settled status\u2019 in order to be eligible to receive benefits.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you\u2019ve lived in the UK for less than 5 years, you may be eligible for some benefits, but you need to apply for \u2018pre-settled status\u2019. You will need to prove that you have a right to reside in the UK and that the UK is your main home.<\/span><\/li>\n<\/ul>\n<h4><strong>Right to Reside<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">Someone may have a right to reside if you are:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Working \u2013 here you need to prove you\u2019ve earned an average of \u00a3183 per week for the past three months and will need evidence to show that you are working. For example, tax documents, contracts or communication with your employer.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">S<\/span><span style=\"font-weight: 400;\">elf-employed <\/span><span style=\"font-weight: 400;\">\u2013 here you need to prove you\u2019ve earned an average of \u00a3183 per week for the past three months. You need to produce evidence that you are self-employed. If you are recently self-employed, evidence of finding work may be sufficient\u00a0 \u2013 e.g. advertising your business or services.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A job seeker<\/span><span style=\"font-weight: 400;\">\u00a0\u2013 you can claim child benefit if you can prove that you are actively looking for work. If you\u2019ve had to stop working because you were made redundant or it was difficult to keep working, you may be able to retain your worker status if you prove that you are actively looking for a job.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">P<\/span><span style=\"font-weight: 400;\">regnant <\/span><span style=\"font-weight: 400;\">and stop working \u2013 you can keep your right to reside if you are on maternity leave. In this case, you retain your worker status for up to one year.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">I<\/span><span style=\"font-weight: 400;\">ll or have been in an accident <\/span><span style=\"font-weight: 400;\">\u2013 you need a \u2018sick note\u2019 from your doctor and prove that you will be well enough to work in the future in order to retain your right to reside.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A <\/span><span style=\"font-weight: 400;\">student or self-sufficient <\/span><span style=\"font-weight: 400;\">\u2013 you have a right to reside if you are self-sufficient and are unlikely to be a burden on the social assistance system.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">With a family member with the right to reside \u2013 you will have the same rights as a family member who has a right to reside. Family members can be:\u00a0<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Husband, wife or civil partners<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Parents or grandparents and depend on them to live<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Child or grandchild if you depend on their support to live<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h4><strong>Permanent Right to Reside<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">You may have a right to <\/span><span style=\"font-weight: 400;\">permanent residency in the UK <\/span><span style=\"font-weight: 400;\">if you\u2019ve spent five years in the UK as:\u00a0\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">a <\/span><span style=\"font-weight: 400;\">worker or self-employed <\/span><span style=\"font-weight: 400;\">person<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">someone who has <\/span><span style=\"font-weight: 400;\">stopped working but kept their worker status<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">a <\/span><span style=\"font-weight: 400;\">jobseeker<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">a <\/span><span style=\"font-weight: 400;\">self-sufficient person<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">a <\/span><span style=\"font-weight: 400;\">self-sufficient student<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">the <\/span><span style=\"font-weight: 400;\">family member of someone with a right to reside<\/span><\/li>\n<\/ul>\n<h2>UK Unemployment Benefits Available to Non-EEA Citizens<\/h2>\n<p><span style=\"font-weight: 400;\">You cannot claim the majority of UK unemployment benefits if you are a <\/span><span style=\"font-weight: 400;\">person subject to immigration control.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You are a person subject to immigration control if you are <\/span><span style=\"font-weight: 400;\">not an EEA citizen and you fall into one of these categories where you:<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Need <\/span><span style=\"font-weight: 400;\">permission to enter or remain in the UK and do not have it<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have permission to enter or remain in the UK on condition that you have no recourse to public funds<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Must <\/span><span style=\"font-weight: 400;\">leave to enter or remain in the UK as a result of someone providing a maintenance undertaking<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You <\/span><span style=\"font-weight: 400;\">may claim the following UK unemployment benefits<\/span><span style=\"font-weight: 400;\"> regardless of your immigration status:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">contributory benefits <\/span><span style=\"font-weight: 400;\">\u2013 contribution-based Jobseeker\u2019s allowance or contribution-based employment and support allowance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">statutory payments <\/span><span style=\"font-weight: 400;\">\u2013 such as sick pay, maternity, paternity or shared parental pay.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">maternity allowance<\/span><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">industrial injuries benefits<\/span><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">To be able to claim, you may need to further satisfy the residence and presence rules.\u00a0<\/span><\/p>\n<h2><b>UK Unemployment Benefits Unique to Covid-19<\/b><\/h2>\n<p><img loading=\"lazy\" class=\"alignnone wp-image-336 size-large\" src=\"https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/UK-Unemployment-Benefits-8-1024x575.png\" alt=\"UK COVID-19 Unemployment Benefits 9\" width=\"1024\" height=\"575\" srcset=\"https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/UK-Unemployment-Benefits-8-1024x575.png 1024w, https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/UK-Unemployment-Benefits-8-300x169.png 300w, https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/UK-Unemployment-Benefits-8-768x431.png 768w, https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/UK-Unemployment-Benefits-8.png 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h3>Furlough Scheme<\/h3>\n<p><span style=\"font-weight: 400;\">Your employer may choose to <\/span><span style=\"font-weight: 400;\">furlough you if they cannot pay you or if there is no work to be done<\/span><span style=\"font-weight: 400;\">. Alternatively, <\/span><span style=\"font-weight: 400;\">you can ask to be furloughed <\/span><span style=\"font-weight: 400;\">if you are:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vulnerable and want to \u2018shield\u2019 or you live with someone who is vulnerable<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">For further information on shielding, follow <\/span><a href=\"https:\/\/www.gov.uk\/government\/publications\/guidance-on-shielding-and-protecting-extremely-vulnerable-persons-from-covid-19\/guidance-on-shielding-and-protecting-extremely-vulnerable-persons-from-covid-19\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">this link<\/span><\/a><span style=\"font-weight: 400;\"> to the UK government&#8217;s directives<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Looking after your children while the schools are closed<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pregnant or have another health condition that you are worried about<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Over the age of 70<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Through the government\u2019s furlough scheme, you will be <\/span><span style=\"font-weight: 400;\">paid 80% of your normal pay up to a maximum of \u00a32500 a month<\/span><span style=\"font-weight: 400;\">. To receive money through the scheme, <\/span><span style=\"font-weight: 400;\">your employer needs to apply <\/span><span style=\"font-weight: 400;\">\u2013 if they haven\u2019t explicitly mentioned it, check that they have. According to <a href=\"https:\/\/www.bbc.com\/news\/explainers-52135342\" target=\"_blank\" rel=\"noopener\">the BBC<\/a>, this scheme has been extended until Septemeber 2021.<\/span><\/p>\n<h4><strong>Furlough Eligibility<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">Your employer can only use the scheme to pay you if you\u2019ve already been furloughed prior to 11 June 2020, or you\u2019re returning from adoption, paternity, parental, parental bereavement or maternal leave.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You may also be furloughed full time or part-time.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But, remember \u2013 you do not have a right to be furloughed, it is up to your employer.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As government advice is revised and changed weekly, please track UK Government guidance pages for both <\/span><a href=\"https:\/\/www.gov.uk\/guidance\/check-if-you-could-be-covered-by-the-coronavirus-job-retention-scheme\"><span style=\"font-weight: 400;\">employees<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.gov.uk\/guidance\/claim-for-wage-costs-through-the-coronavirus-job-retention-scheme\"><span style=\"font-weight: 400;\">employers<\/span><\/a><span style=\"font-weight: 400;\"> so that you can access the most up to date information.\u00a0<\/span><\/p>\n<h3>Your Rights if Your Employer Becomes Insolvent<\/h3>\n<p><img loading=\"lazy\" class=\"alignnone wp-image-335 size-full\" src=\"https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/UK-Unemployment-Benefits-9.jpg\" alt=\"Insolvency UK Unemployment Benefits\" width=\"1000\" height=\"622\" srcset=\"https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/UK-Unemployment-Benefits-9.jpg 1000w, https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/UK-Unemployment-Benefits-9-300x187.jpg 300w, https:\/\/blog.harmonizehq.com\/wp-content\/uploads\/UK-Unemployment-Benefits-9-768x478.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">If your company is wound up, then most likely, you will lose your job. In case a liquidator is appointed by the court, then your contract will automatically be terminated. On the other hand, if the company is voluntarily wound up and a liquidator is appointed independently, they can choose whether to terminate your contract.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In these cases, the <\/span><span style=\"font-weight: 400;\">liquidator is only responsible for the rights that you have accrued since he has been appointed as a liquidator<\/span><span style=\"font-weight: 400;\">. If there are any existing rights that you believe have been infringed, such as employer pension contributions, then your issue is with your previous employer, not the liquidator.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you are dismissed because of insolvency, then you may be owed:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">basic pay<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">overtime\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">maternity pay\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">holiday pay\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">bonuses, commissions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">redundancy pay\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">sick pay<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You may be able to recover some or all of the money you are owed depending on whether there are other creditors. In this case, you have a few options available:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you want to bring an action against your company, before they apply to be wound down, you should write to Companies House to inform them that you are owed money by the employer. However, only do this if you are prepared to take your case to a tribunal. These can incur heavy charges and should only be done if you are owed significant amounts of money.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If a liquidator is appointed, you can use them to recover your money owed from the Redundancy Payments Service, if it is a debt covered by it. Alternatively, you can register as a creditor of the company, although it is unlikely that you are given priority in repossessing the debt.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If no liquidator is appointed, you cannot access the Redundancy Payments Service, but you can sue your employer to gain the money back. However, when claiming statutory redundancy pay, you can still claim it from the Service.\u00a0<\/span><\/li>\n<\/ol>\n<h3><b>Redundancy Pay<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">We will provide an overview of what you can claim if you have been made redundant.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are <\/span><span style=\"font-weight: 400;\">two types of redundancy pay:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Statutory redundancy pay <\/span><span style=\"font-weight: 400;\">\u2013 what the Government says that you are entitled to.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Contractual redundancy pay <\/span><span style=\"font-weight: 400;\">\u2013 extra money on top of the statutory pay that is stipulated in your contract.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You will <\/span><span style=\"font-weight: 400;\">receive redundancy pay if you:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have been <\/span><span style=\"font-weight: 400;\">employed for at least 2 years<\/span><span style=\"font-weight: 400;\">, continuously.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have <\/span><span style=\"font-weight: 400;\">lost your job because there was a genuine need to make redundancies <\/span><span style=\"font-weight: 400;\">in your workplace.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Are an employee <\/span><span style=\"font-weight: 400;\">\u2013 this includes part-time employees. Follow <\/span><a href=\"https:\/\/www.gov.uk\/employment-status\/employee\"><span style=\"font-weight: 400;\">this link<\/span><\/a><span style=\"font-weight: 400;\"> to check your redundancy pay status if you are an employee.\u00a0\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you are entitled to redundancy pay, you should receive this automatically and within a reasonable time frame. If your employer fails to or denies to pay you, then you can bring the matter to a court for them to decide.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You will not get statutory redundancy pay if you are:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Self-employed<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Serving in the police or armed forces<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A Crown servant or civil service officer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A share fisherman\/woman<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Working for your immediate family as domestic staff<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">An employee of a foreign government<\/span><\/li>\n<li>Working in your\u00a0<span style=\"font-weight: 400;\">job for less than two years<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You may also lose your right to statutory redundancy pay if you:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Turn down an alternative job offered by your employer without good reason,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Attempt to leave before the job has ended,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Are fired for gross misconduct before the job has ended.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Where you cannot claim statutory redundancy pay, you may still be able to receive contractual redundancy pay \u2013 so always check your contract for further information.<\/span><\/p>\n<h4><strong>What is the Redundancy Pay You are Entitled to?\u00a0<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">Working out the amount of redundancy pay you are entitled to is complicated. Luckily, the Government has provided a <a href=\"https:\/\/www.gov.uk\/calculate-your-redundancy-pay\" target=\"_blank\" rel=\"noopener\">calculator<\/a> to make the process easier. <\/span><span style=\"font-weight: 400;\">To use it, you will need to know the following:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The date you were made redundant<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How many full years you have worked for the employer (years of service)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your weekly pay before tax.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The redundancy pay is based on how long you have worked for your employer and your age when you worked for them.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For each full year that you have worked for your employer, you get:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Half a week\u2019s pay if you are between the ages of 18 and 22<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">One week\u2019s pay if you are between the ages of 22 and 40<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">1.5 weeks\u2019 pay if you are over the age of 41<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This is subject to some limits:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The <\/span><span style=\"font-weight: 400;\">maximum weekly amount you can get is \u00a3538<\/span><span style=\"font-weight: 400;\">, even if you earn more per week.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your <\/span><span style=\"font-weight: 400;\">length of service is capped at 20 years<\/span><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<h2><b>Backdating Your UK Unemployment Benefits<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Backdating benefits is when you claim UK unemployment benefits that you would have been eligible for in the past. <\/span><span style=\"font-weight: 400;\">Benefits can be backdated in these circumstances:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You were <\/span><span style=\"font-weight: 400;\">entitled to the benefit before the date on which you made the claim <\/span><span style=\"font-weight: 400;\">(a late claim). The time limit for backdating benefits is usually <\/span><span style=\"font-weight: 400;\">restricted to three months prior<\/span><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If a decision is reversed or overruled, you may be eligible to <\/span><span style=\"font-weight: 400;\">claim payment of any arrears of benefit.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">After a <\/span><span style=\"font-weight: 400;\">successful appeal, you may be eligible to claim the arrears of benefit<\/span><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you do find yourself unemployed, there are many unemployment benefits in the UK available. It is always wise to check what you are entitled to using the <\/span><a href=\"https:\/\/www.turn2us.org.uk\/?gclid=CjwKCAjwydP5BRBREiwA-qrCGtBH0FEyDHEHLEh-XoEKsPZRiSKzlfUzACZTmdy6SAIp6CvUA9P0AhoCcm0QAvD_BwEhttps:\/\/www.turn2us.org.uk\/?gclid=CjwKCAjwydP5BRBREiwA-qrCGtBH0FEyDHEHLEh-XoEKsPZRiSKzlfUzACZTmdy6SAIp6CvUA9P0AhoCcm0QAvD_BwE\"><span style=\"font-weight: 400;\">Turn2Us benefits calculator<\/span><\/a><span style=\"font-weight: 400;\"> or by contacting <\/span><a href=\"https:\/\/www.citizensadvice.org.uk\/about-us\/contact-us\/contact-us\/contact-us\/\"><span style=\"font-weight: 400;\">Citizens Advice<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>In its latest unemployment report, the Office of National Statistics reported that the rate of unemployment in the UK rose to 3.9%, an increase of&#8230;<\/p>\n","protected":false},"author":2,"featured_media":327,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[3],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.4.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>An Overview of UK Unemployment Benefits | Harmonize<\/title>\n<meta name=\"description\" content=\"This blog will provide an overview of the resources and UK unemployment benefits available if you find yourself without a job.\u00a0\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.harmonizehq.com\/blog\/uk-unemployment-benefits\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"An Overview of UK Unemployment Benefits | Harmonize\" 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