{"id":1321,"date":"2020-04-01T15:29:36","date_gmt":"2020-04-01T15:29:36","guid":{"rendered":"https:\/\/joblookup.com\/explore\/?p=1321"},"modified":"2024-07-22T11:03:11","modified_gmt":"2024-07-22T10:03:11","slug":"covid-19-benefits-and-support-guide","status":"publish","type":"post","link":"https:\/\/joblookup.com\/explore\/covid-19-benefits-and-support-guide\/","title":{"rendered":"Covid-19 Benefits and Support Guide"},"content":{"rendered":"<div class=\"row\">\n<div class=\"col-lg-8\">\n<p><span data-preserver-spaces=\"true\">The coronavirus outbreak has already cost thousands of people their jobs, and many of us are now facing a precarious financial future. <\/span><span data-preserver-spaces=\"true\">If you\u2019ve found yourself out of work as a result of virus-related staff cuts, are off sick, self-employed, or simply want to change jobs, then knowing what benefits and support you\u2019re entitled to is crucial.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">Given the situation, the government has had to amend existing procedures, as well as introduce new ones. This means claiming the right aid and support might not be as clear as it was previously (although it&#8217;s arguably never been that straight forward). <\/span><\/p>\n<p><span data-preserver-spaces=\"true\">Perhaps you\u2019re looking to claim for the first time, or want to know what\u2019s changed if you\u2019re already jobseeking. Whatever your situation, we\u2019ve rounded up all the key essentials, as well as their eligibility requirements, to help you get an idea of what you might be entitled to, and how to get it. <\/span><\/p>\n<\/div>\n<div class=\"col-lg-4 my-auto text-center\"><img loading=\"lazy\" decoding=\"async\" class=\"img-fluid\" src=\"\/explore\/wp-content\/uploads\/2020\/04\/3592535.png\" alt=\"\" width=\"700\" height=\"679\" \/><\/div>\n<\/div>\n<p>&nbsp;<\/p>\n<h2 class=\"h4 font-weight-bold\">Jobseeker\u2019s Allowance<\/h2>\n<hr \/>\n<p><span data-preserver-spaces=\"true\">There are three different types of Jobseeker\u2019s Allowance, and they may or may not also entitle you to Universal Credit. Before we look at Universal Credit, let\u2019s start with the different JSA options. They are:<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 class=\"h4 font-weight-bold\">Contribution-based JSA<\/h2>\n<hr \/>\n<p><span data-preserver-spaces=\"true\">You\u2019ll be eligible for this option if you\u2019re severely disabled, and able to claim the severe disability premium. You\u2019ll also need to be actively looking for employment, be able to work, and have the right to work in the UK.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 class=\"h4 font-weight-bold\">Income-based JSA<\/h2>\n<hr \/>\n<p><span data-preserver-spaces=\"true\">To qualify for this option, you\u2019ll need to be already eligible for the severe disability premium as with Contribution-based JSA. Income-based JSA is almost the same, with the key difference being you\u2019ll to be single (or have a partner that doesn&#8217;t work more than 24 hours in a week), and not have more than \u00a316,000 in savings. Do note that the savings amount does include your partner\u2019s too.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 class=\"h4 font-weight-bold\">\u2018New Style\u2019 JSA<\/h2>\n<hr \/>\n<p><span data-preserver-spaces=\"true\">This form of JSA is claimable if you\u2019ve been working as an employee for the last few years, and have been actively making Class 1 national insurance contributions. Any income or savings from your partner won\u2019t affect your claim either. It is worth noting that you won\u2019t be eligible for this if you are or have been self-employed recently (more on what you can apply for if you\u2019re freelance\/self-employed below).\u00a0\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 class=\"h4 font-weight-bold\">Universal Credit<\/h2>\n<hr \/>\n<p><span data-preserver-spaces=\"true\">Now you\u2019ve identified which form of JSA you can apply for, you should then check whether you can also qualify for Universal Credit. Generally, if you fit the following criteria, you have a good chance of being accepted for this in addition to your JSA.\u00a0<\/span><\/p>\n<ul>\n<li><span data-preserver-spaces=\"true\">You live in the UK<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">You have less than \u00a316,000 in savings (note that Universal Credit assessment includes your partner\u2019s savings as well)<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">You\u2019re over 18<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">You\u2019re not working or on a low income<\/span><\/li>\n<\/ul>\n<p><span data-preserver-spaces=\"true\">There are also a few additional things to take into account. If you live with your partner, then their income will also need to be provided in addition to any savings they might have. Universal Credit is certainly worth applying for, as you could receive additional benefits that help cover the costs of children and rent, and JSA probably won&#8217;t cover these costs by a long shot.<br \/>\n<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">As a result of the coronavirus outbreak, Universal Credit payout amounts will increase from the 6th of April temporarily. Below are some guideline figures, based on one standard household allowance per month and including the maximum additional \u00a386.67 increase. These amounts will vary based on your circumstances, but should give you a rough idea of what to expect.<br \/>\n<\/span><\/p>\n<ul>\n<li><span data-preserver-spaces=\"true\">Single claimant under 25: \u00a3338.44<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Single claimant over 25: \u00a3404.49\u202c<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Joint claimants both under 25: \u00a3481.87<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Joint claimants with one or both over 25: \u00a3585.56\u202c<\/span><\/li>\n<\/ul>\n<p><span data-preserver-spaces=\"true\">For additional information, check the official government guidelines about\u00a0<\/span><a class=\"_e75a791d-denali-editor-page-rtfLink\" href=\"https:\/\/www.gov.uk\/universal-credit\/eligibility\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-preserver-spaces=\"true\">Universal Credit<\/span><\/a><span data-preserver-spaces=\"true\">\u00a0and\u00a0<\/span><a class=\"_e75a791d-denali-editor-page-rtfLink\" href=\"https:\/\/www.gov.uk\/jobseekers-allowance\/eligibility\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-preserver-spaces=\"true\">Jobseeker\u2019s Allowance<\/span><\/a><span data-preserver-spaces=\"true\">. You can also use a\u00a0<\/span><a class=\"_e75a791d-denali-editor-page-rtfLink\" href=\"https:\/\/benefits-calculator.turn2us.org.uk\/AboutYou?utm_source=BAdviser&amp;utm_medium=referral&amp;utm_campaign=GovUK\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-preserver-spaces=\"true\">benefits calculator<\/span><\/a><span data-preserver-spaces=\"true\">\u00a0to give you a quick idea of how much you might be entitled to, and what you could claim. If you need further, impartial advice about your Universal Credit or JSA claim, then\u00a0<\/span><a class=\"_e75a791d-denali-editor-page-rtfLink\" href=\"https:\/\/www.citizensadvice.org.uk\/helptoclaim\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-preserver-spaces=\"true\">contact Citizen\u2019s Advice<\/span><\/a><span data-preserver-spaces=\"true\">.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">It\u2019s also important to note that you can apply for Universal Credit online. Given the current situation, you generally won\u2019t have to verify your identity straight away due to the huge increase in applications. This is now being done at a later date via a telephone interview.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 class=\"h4 font-weight-bold\">Statutory Sick Pay<\/h2>\n<hr \/>\n<p><span data-preserver-spaces=\"true\">If you\u2019ve been unlucky enough to be off sick as a result of the coronavirus, then you\u2019re entitled to statutory sick pay. This comes in at \u00a394.25 a week. The government has also changed the way it works to some extent, in that you can claim any statutory sick pay immediately from day one of being off sick, if you&#8217;re eligible. What\u2019s more, you\u2019ll also get retroactive payments from the 13th March.\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">Should your employer ask for evidence that you\u2019re ill with coronavirus, simply contact the NHS on 111, and they\u2019ll be happy to provide you with an isolation note. If you\u2019re a freelancer or working on a zero-hours contract, then you might still be able to claim. The government\u2019s guidelines for claiming are:<\/span><\/p>\n<ul>\n<li><span data-preserver-spaces=\"true\">Being classified as an employee<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Being ill for at least 4 days in a row<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Earning an average of at least \u00a3118 a week<\/span><\/li>\n<\/ul>\n<p><span data-preserver-spaces=\"true\">If you\u2019re not able to get sick pay, then you can still apply for Universal Credit, as above.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 class=\"h4 font-weight-bold\">Self-employment Income Support Scheme<\/h2>\n<hr \/>\n<p><span data-preserver-spaces=\"true\">This is a concerning time for freelancers, that\u2019s for sure, and it\u2019s highlighted just how little support is really in place for those of us that are self-employed. The government has, however, taken steps to ensure that freelancers and gig workers get additional support.\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">First of all, take note that you can apply for, and claim, Universal Credit as a self-employed person, provided that you can show:<\/span><\/p>\n<ul>\n<li><span data-preserver-spaces=\"true\">Your self-employment is your main form of employment and income<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">You expect to make a profit from your work<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">You get regular work as a freelancer<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">You have invoices, receipts, accounts, etc.\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-preserver-spaces=\"true\">One major amendment the Government has put in place for the moment is the removal of the minimum income floor, which is essentially what someone your equivalent age would earn as a minimum wage. You also won\u2019t need to physically go into a jobcentre now to prove you\u2019re self-employed.\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">The main form of support for freelancers during the crisis is the Self-employment Income Support Scheme. This comes in the form of a grant that covers 80% of your profits per month, capped at \u00a32,500 per month.<br \/>\n<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">There are a few problems with this, however. First of all, you have to wait for HMRC to contact you about this scheme, as there is no way to apply directly. HMRC are aware of everyone with self-employed status however, so as long as you\u2019ve submitted a 2018\/2019 self-assessment return you should receive some information about the scheme soon.\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">The other problem is that the Government aren\u2019t releasing any grant payments until June. That\u2019s a long way off, and could make things extremely difficult if you&#8217;re relying on a now non-existent freelance income. You should absolutely check if you can claim Universal Credit as soon as possible as a result.<br \/>\n<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 class=\"h4 font-weight-bold\">Furloughed<\/h2>\n<hr \/>\n<p><span data-preserver-spaces=\"true\">The Government&#8217;s Coronavirus Job Retention Scheme is now in place, which means that the State will help businesses to cover employee salaries by 80%, up to a maximum of \u00a32500 per month. A number of businesses are already planning to take advantage of this scheme. It means that as an employee, you will be \u2018furloughed\u2019 &#8211; still technically employed by your company, even though you won\u2019t be required to work until the crisis passes.\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">There are a few things to note here:<\/span><\/p>\n<ul>\n<li><span data-preserver-spaces=\"true\">Employers choose who fits the definition of a furloughed worker. If the job you do is essential to the company, and can be done remotely, you probably won\u2019t be furloughed.\u00a0<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">If you were laid off before March 19th as a result of the coronavirus, perhaps because your employer panicked and let staff go, then you can be re-hired and furloughed. Although perhaps unlikely, it\u2019s certainly an option worth considering.\u00a0<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">When furloughed, your wages are still subject to normal tax and national insurance deductions.\u00a0<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">While the State will cover 80% of your wages up to \u00a32500 per month, the additional 20% top-up by your employer is optional, so you may not receive your full salary.<br \/>\n<\/span><\/li>\n<li>The furlough scheme is currently set to run until October 2020.<\/li>\n<li>Changes will come into place in August, which will allow employees to work part-time while employers still claim furlough. Employers will be expected to cover 20% of wages from August, as the government will drop their contribution to cover 60% of employee wages. This means employers must add a 20% top-up to reach the 80% wage coverage currently in place, although the additional 20% top up is likely to remain optional.<\/li>\n<li>A cut off date for furlough application (for employers) is currently under review and likely to be announced soon.<\/li>\n<\/ul>\n<p><span data-preserver-spaces=\"true\">If you\u2019re on a zero-hour contract or you have different earnings every month, then the amount you receive will be decided based on either your average earnings last year, or your earnings in the same month last year.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 class=\"h4 font-weight-bold\">Mental Health<\/h2>\n<hr \/>\n<p><span data-preserver-spaces=\"true\">Job hunting and applying for benefits is stressful enough in normal times, let alone in the current climate. Getting stressed and anxious in this kind of situation is totally normal and understandable. Know that you\u2019re not alone. If things are proving challenging and you\u2019re finding it hard to cope, these resources could help:<\/span><\/p>\n<p><a class=\"_e75a791d-denali-editor-page-rtfLink\" href=\"https:\/\/www.mind.org.uk\/information-support\/coronavirus\/coronavirus-and-your-wellbeing\/\"><span data-preserver-spaces=\"true\">Coronavirus and your wellbeing\u00a0<\/span><\/a><\/p>\n<p><a class=\"_e75a791d-denali-editor-page-rtfLink\" href=\"https:\/\/www.nhs.uk\/oneyou\/every-mind-matters\/coronavirus-covid-19-staying-at-home-tips\/\"><span data-preserver-spaces=\"true\">Mental wellbeing while staying at home<\/span><\/a><\/p>\n<p><a class=\"_e75a791d-denali-editor-page-rtfLink\" href=\"https:\/\/www.samaritans.org\/how-we-can-help\/support-and-information\/if-youre-having-difficult-time\/if-youre-worried-about-your-mental-health-during-coronavirus-outbreak\/\"><span data-preserver-spaces=\"true\">If you\u2019re worried about your mental health during the coronavirus outbreak<\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The coronavirus outbreak has already cost thousands of people their jobs, and many of us are now facing a precarious financial future. If you\u2019ve found &#8230;<\/p>\n","protected":false},"author":3,"featured_media":1331,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,15,11],"tags":[],"class_list":["post-1321","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-employment","category-jobsearch","category-jobseeker"],"acf":[],"_links":{"self":[{"href":"https:\/\/joblookup.com\/explore\/wp-json\/wp\/v2\/posts\/1321","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/joblookup.com\/explore\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/joblookup.com\/explore\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/joblookup.com\/explore\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/joblookup.com\/explore\/wp-json\/wp\/v2\/comments?post=1321"}],"version-history":[{"count":14,"href":"https:\/\/joblookup.com\/explore\/wp-json\/wp\/v2\/posts\/1321\/revisions"}],"predecessor-version":[{"id":4377,"href":"https:\/\/joblookup.com\/explore\/wp-json\/wp\/v2\/posts\/1321\/revisions\/4377"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/joblookup.com\/explore\/wp-json\/wp\/v2\/media\/1331"}],"wp:attachment":[{"href":"https:\/\/joblookup.com\/explore\/wp-json\/wp\/v2\/media?parent=1321"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/joblookup.com\/explore\/wp-json\/wp\/v2\/categories?post=1321"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/joblookup.com\/explore\/wp-json\/wp\/v2\/tags?post=1321"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}