Dole question

[dalymount]

Ah I dont mind an audit MFH,I reckon im fully above board.if I was with a dispatcher then I would be afraid if an audit,but when your an independent only working 3 nights a week I would say I would not be top of their list for audit

[john m]

The Sage FDS once said this is only a part time gig .Looking at your situation Dalyer it might be a wise move for older drivers with dodgy health to consider a part time PAYE job that would qualify them for some sort of payout if they fell sick .If I could I would go back PAYE and work the car part time but there is no great demand for 58 year old fat blokes .24 hour bus ,rent a bike ,go car,Green Party looking like they will be in the next government expect traffic restrictions and more tax on motoring .You have raised a few important points Dalyer that a lot of lads probably never considered .

[mercenary for hire]

It's too expensive for a part-time gig.Stop repeating bullshit from ten years ago.10k minimum to stay in the BUSINESS for owner drivers and 25k for renters.Part-time my bollix.

[dalymount]

There is even LESS demand for 65 year olds John

[john m]

Merc where do you get 10K eight year old motor gets you two years cost of car 3000 thats 1500 a year if your only part time 50 notes a week for juice thats 3 K A decent golfer spends that on membership and green fees plus you have the use of the car for going to work .

[john m]

There is even LESS demand for 65 year olds John

So you will have your pension,s .Who covers your hospital bills ,do you have private insurance or does your PRSI cover you .

[dalymount]

I have no ins ill sort all that when I get out

[mercenary for hire]

John stick up a link for a car for 3k that will last without problems for 2 years that will get 50mpg..if your only getting 25/30mpg your fuel bill is 4k

2500 car
2000+ Insurance
2500 for fuel
1000 maintenance and fees.
2000 tax bill at least.
10000 total.

One thing Daly hasn't factored in is his car costs him 200 a week to stay idle while he's sick.Probably negates the majority of his pension.

[Rat Catcher]

Unemployment Benefit/Allowance is explained in the following link. Obviously any pension income will be included in means tests.

https://www.citizensinformation.ie/en/social_welfare/social_welfare_payments/unemployed_people/self_employed_and_unemployment.html

Introduction

Self-employed people can become unemployed if their business has to close down. It may also be the case, though you continue to be self-employed the amount of work you are getting has reduced so much that it no longer provides you with a sufficient income.

If you find yourself unemployed or you are getting less work than before you may qualify for a jobseeker's payment. You do not need to de-register as self-employed to get a payment. However you must meet the conditions that apply to jobseeker's payments.

If you do not qualify for a social welfare payment you may be eligible to pay voluntary contributions.

Jobseeker's Benefit (Self-Employed)

Jobseeker’s Benefit (Self-Employed) (JBSE) is a weekly payment from the Department of Employment Affairs and Social Protection (DEASP) to people who lose their self-employment.

To qualify for Jobseeker’s Benefit (Self-Employed) you need:

At least 156 weeks of Class S contributions or at least 104 weeks of paid Class A or H PRSI since first starting work
52 weeks of Class S contributions paid in the relevant tax year. The relevant tax year is the second-last complete tax year before the year in which your claim is made. So, for claims made in 2019, the relevant tax year is 2017.
To get Jobseeker's Benefit (Self-Employed) you must stop all self-employment activity. However, you can work as an employee for up to 3 days each week and continue to get Jobseeker's Benefit (Self-Employed).

If you don't qualify for Jobseeker's Benefit (Self-Employed) you may qualify for Jobseeker's Allowance.

Jobseeker's Allowance

Jobseeker's Allowance (JA) is a weekly payment from DEASP to jobseeker's. To get Jobseeker’s Allowance you must be habitually resident and pass a means test. If you are self-employed, you may be entitled to Jobseeker's Allowance depending on your earnings from your business. You do not need to close your business or stop working as self-employed for you to get Jobseeker’s Allowance and you don't have to be unemployed for at least 4 out of 7 days, as for Jobseeker's Benefit. You will get Jobseeker’s Allowance if your income is below a certain level.

[john m]

AFAIK you must make minimum wage from any employment so 20x10 euro is 200 welfare payment I think is 208 after deducting earnings from benifits you probably wouldnt get a score a week but your PRSI contributions would be covered by the state as you would recieve credits .Dollyer is pension age next year so rent out the car while convalessing then decide how he feels next year .A pension and two or three shifts should do him .

[Rat Catcher]

However, there is some contradictory information on Illness Benefit (not means tested).

According to the following article it was supposed to apply to self-employed from December 1st 2017:

https://www.irishtimes.com/business/personal-finance/self-employed-to-get-sick-pay-for-first-time-from-december-1.3298310

Self-employed to get sick pay for first time from December

Move to provide access to State income supports in cases of serious illness or injury

Mon, Nov 20, 2017, 08:35
Fiona Reddan
 
It has been a while in coming, but from December 1st some 326,000 self-employed people will be entitled to long-term sick pay, giving the safety net of State income support to this cohort for the first time.

The invalidity pension, paid at a weekly rate of €198.50, with possible increases for an adult dependant and child dependants is a payment for people who cannot work because of a long-term illness or disability, and is not means tested. The payment is taxable, however.

...

However, this link suggests it is only available to those with contributions paid at classes A, E, H and P. Self-employed is class S.

https://www.citizensinformation.ie/en/social_welfare/social_welfare_payments/disability_and_illness/disability_benefit.html

If I were you DM, I'd be asking Citizens Info if (or how) The Irish Times got it so wrong? In fact I might ask anyway in the new year as it's something that potentially applies to us all - or not as the case may be. I know (from the older not so young lad) that you have to get your claim in quick for Illness benefit i.e. as soon as you are incapacitated, although they will consider late claims on a case by case basis.

[Rat Catcher]

AAh... fuck that... I see it now... The Irish Times article is about Invalidity Pension (i.e. long term illness) not Illness Benefit (short-term Illness). Sorry, I should look before I leap!

[Rat Catcher]

It seems the advice you got is correct, DM. To qualify for Invalidity Pension you must:

Have been incapable of work for at least 12 months and be likely to be incapable of work for at least another 12 months (you may have been getting Illness Benefit or Disability Allowance during that time)

Or

Be permanently incapable of work (in certain cases of very serious illness or disability, you can transfer directly from another social welfare payment or from your job to Invalidity Pension).

https://www.citizensinformation.ie/en/social_welfare/social_welfare_payments/disability_and_illness/invalidity_pension.html

[john m]

if you are part worn and not in great shape get a part time job PAYE it gives you a little bit of security bit of holiday pay PRSI contributions .Im looking for 20 hours a week over two or three days .

[Shallowhal]

if you are part worn and not in great shape get a part time job PAYE it gives you a little bit of security bit of holiday pay PRSI contributions .Im looking for 20 hours a week over two or three days .

I think Aldi and Lidl are hiring John,maybe go for an interview with some drool running down your chin and wear glasses with a magnified lens....you'll probably be known as Poor John....until you open your gob!!