Jobseeker’s Allowance (JSA) rules can be complicated. What happens if you start living with someone? Or go on holiday? What if the money doesn’t turn up? We answer some common questions about JSA.
If I live with my boyfriend/girlfriend, does that affect my JSA?
Your partner’s income or savings won’t affect your contribution-based JSA.
However, if you’re on income-based JSA then the Jobcentre will assume that you share income and
savings with your partner. If your partner’s working, or has savings over £6000, then your benefits
will be reduced. If they work 24 hours a week or more, you probably won’t get any income-based
If you live together and are romantically involved, then for benefits purposes you’re classed as
“living together as husband and wife or as civil partners”. So your income and savings affect each
other even if you only met a month ago and he/she doesn’t give you a penny.
If you can’t get JSA you might still be able to get other support, such as Tax Credits or Housing
Benefit. This benefits calculator will give you a rough idea and tell you how to claim.
Why haven’t I been paid yet?
Jobseeker’s Allowance is normally paid within three working days of signing on (although, if you’re
signing on for the first time it can take two weeks).
If you should have been paid and haven’t been paid yet, it’s important to find out what’s going on as
soon as possible. The first step is to contact your local Jobcentre and ask them to explain why.
If your benefit has stopped because of something you’ve done (or haven’t done), then read our
article here on JSA Sanctions.
If you don’t understand why you haven’t been paid yet, or disagree with the decision, then you can
get advice and support from your local Citizens Advice Bureau (CAB). They can also contact the
Jobcentre on your behalf and help to clear things up..
JSA and going on holiday
When you’re on JSA, you’re entitled to two weeks holiday a year, but only in Great Britain. It’s very
important that you let the Jobcentre know that you’re going away. You won’t need to sign on, but
will need to be able to receive job information and come home for an interview or start a job at
relatively short notice.
You aren’t allowed to take overseas holidays while claiming JSA. The system is getting harsher, so if
you don’t follow the rules (by not signing when you’re meant to, or not going to a job interview or
training programme), you could lose your JSA for four or more weeks.
If you are thinking of going abroad you should seek advice from Citizen’s Advice for support on
how this will affect your claim.
If you go abroad, you will need to sign off just before you go. When you get back you may be able to
make a rapid reclaim for JSA online which should only take 10 minutes. However, it is likely that
when you return from abroad and try to make a claim for Income-based JSA, the Jobcentre Plus will
tell you that you have to claim Universal Credit instead. This is because Income-based JSA is
gradually being replaced by Universal Credit. Whether you have to claim Universal Credit will
depend on where you live and your circumstances.
Universal Credit is paid monthly in arrears, and you may have to wait six weeks for your first
payment. Read our article on Universal Credit for more information. This is why it’s important
get advice before going abroad.
I don’t get on with my advisor
Some benefits advisors are great, some not so great. But as they’re holding the purse strings, it’s
worth trying to get along with them.
Remember, most of the things that are frustrating about claiming benefits and finding work won’t be
up to your advisor, so try not to blame too much on them – they appreciate that.
Jobcentre staff should be respectful to you, give you correct information and not discriminate for
any reason (including race, religion, gender and sexuality). If you feel that they’ve broken these
rules, then you can make a complaint.
Universal credit and changes to Jobseeker’s Allowance
Income-based Jobseeker’s Allowance is gradually being replaced by Universal Credit, between now
and 2022. If you need to make a new claim for Income-based Jobseekers Allowance, depending on
your circumstances and where you live, you may have to claim Universal Credit instead. Find out
more from our Universal Credit article.
You can still get contribution-based JSA even where Universal Credit is introduced.
Where can I go for help with JSA?
Getting benefits is often a frustrating process. But there are lots of places you can go for help:
- Citizen’s Advice know all about the benefits system and can help you understand your rights. You can visit your local bureau to get face-to-face advice and support. You must remember to bring along details of your benefits and general financial situation.
- This benefits calculator from Turn2us shows you how much benefit you should be getting – many people don’t realise how much they’re entitled to.
- If you’re angry or frustrated about your treatment by the Job Centre, you can complain. Find out about the complaints process.
- If you want to challenge a decision about your benefit, you can appeal.
Unfortunately we are unable to offer benefits advice at The Mix, but we can give emotional support and guide you to the best places for expert advice if you give us a call on 0808 808 4994
Remember to tell your benefits advisor if your circumstances change – for example, if you get a pay rise, new job or get married. If you don’t you could face a £50 fine, as well as having to pay back any extra benefit. See GOV.UK for more information.
- Use the Turn2Us calculator to work out what benefits and grants you're entitled to, or call their helpline on 0808 802 2000
- Young Women’s Trust Grants Service provides financial support, up to £500, to young women aged 18-30 who have limited financial resources, to help them overcome practical barriers to work.
- Moving out for the first time? Get the real Home Truths.
- Chat about this subject on our Discussion Boards.
- Need help but confused where to go locally? Download our StepFinder iPhone app to find local support services quickly.
By Danny Sherwood and David Samson
Updated on 08-Aug-2017
Should I be saving money?
How to save, even when you're broke
Cheaper ways to get a degree
Going to uni too much money? There are other ways you know.
What is Universal Credit (UC), and how will it work?
Working below the minimum wage
Working below the minimum wage is illegal, but Ankur ...
Can I afford this debt?
Getting into debt is easy. Getting out of it, not so much.