Ако нямате възможност да работите поради болест или сте в неравностойно положение, от тази статия може да научите повече за възможните обезщетения за болест и инвалидност и за какво можете да претендирате, ако сте наето лице от компания или самонаето лице (self-employed) и не можете да работите поради заболяване, инвалидност или нараняване.
Тази статия предлага полезна информация свързана с два вида помощи при отсъствието по болест или нараняване от работа. Тя е предназначена за хора, които са регистрирани на адрес, работят, плащат данъци и осигуровки, и са били в страната поне 5-6 месеца (в зависимост от ситуацията, HMRC може да изиска поне една, дори две приключени счетоводни години или Р60 за да бъдете одобрени за дадени помощи).
В тази статия ще разгледаме конкретно два типа обезщетения, на които може да имате право, а именно – Statutory Sick Pay и Employment and Support Allowance.
Ако не сте в състояние да работите поради болест или нараняване, може би имате право да кандидатствате за Statutory Sick Pay (само за наети лица) или Employment and Support Allowance (може да кандидатстват както наети, така и самонаети лица).
Имайте предвид, че може да имате право и на други помощи, в зависимост от обстоятелствата. Може да имате възможност да получите обезщетения за това, че имате ниски доходи като Working Tax Credit, Housing Benefit или обезщетения, защото имате деца – Child Benefit и Child Tax Credits. Възможно е също да можете да поискате Council Tax Reduction, което е помощ с плащането на общинския данък.
Statutory Sick Pay
Може да имате право да кандидатствате за Statutory Sick Pay за период до 28 седмици, ако сте наето лице, работите за работодател на постоянен договор и не можете да работите, защото сте болни или сте получили нараняване по време на работа.
Може да получите по £89.35 седмично Statutory Sick Pay (SSP) което се заплаща от вашия работодател за период от 28 седмици.
За да имате право на обезщетение по болест трябва да отговаряте на условията за това. Трябва да сте били болни и да не сте посещавали работа 4 или повече последователни дни (това включва и дните които ви се полагат като почивни, например събота и неделя).
В никой случай няма да вземате по – малко от £89.35 на седмица. Много компании обаче заплащат болничните на своите работници – най-често пълната заплата продължава да си тече. Работодателя обаче НЕ Е задължен да изплаща болничен и всичко е строго индивидуално. Вижте какви са условията във вашия случай като прегледате договора си и говорете с вашия работодател лично.
Условия, на които трябва да отговаряте
За да се квалифицирате за Statutory Sick Pay (SSP), трябва:
- да работите като наети (employee) на трудов договор
- да сте били болни поне 4 последователни дни (включително неработни/почивни дни)
- да изкаравате минимум £113 (преди данъци) на седмица
- да уведомите работодателя си че сте болен в определения от компанията срок – или в рамките на 7 дни, ако компанията няма такъв срок (обикновено срока е например 2 часа преди започване на смяна/работа)
Важно!!! Работници към агенции (Agency workers) имат право на Statutory Sick Pay!
Няма да отговаряте на условията, ако:
- вече сте получили максималното количество SSP (28 седмици)
- ако получавате Statutory Maternity Pay
Дори и да работите отскоро за вашия работодател и да не сте получили заплащане за 8 седмици, пак може да ви бъде отпуснат SSP. За целта говорете с вашия работодател.
Ако не отговаряте на условията за SSP или вашият SSP изтича (28 седмици)
Ако не отговаряте на условията за получаване на SSP или вашият SSP е приключил или приключва, възможно е да кандидатствате за Employment and Support Allowance (ESA).
Кандидатстването за Employment and Support Allowance (ESA), става чрез формуляр SSP1, който ще получите от вашия работодател при следните условия:
- в рамките на 7 дни, след като сте се разболели, ако не отговаряте на условията за получаване на SSP
- в рамките на 7 дни след приключването на вашия SSP, ако завърши неочаквано, докато все още сте болен
- на или преди началото на 23-та седмица откакто сте болни и взимате SSP ако вашият SSP се очаква да завърши преди вашето оздравяване и завръщане на работа
Повече за Employment and Support Allowance (ESA) четете по-долу.
Как да кандидатствате за Statutory Sick Pay
За да кандидатствате за Statutory Sick Pay (SSP), трябва да уведомите работодателя веднага че сте болни както и кога е бил първия ден откакто сте болни, дори деня да се е падал неработен/почивен. Всичко останало се организира от работодателя, няма нужда от писмена форма.
Ако отсъствате за дълъг период, трябва да потвърдите че ще отсъствате по болест писмено – това се казва ‘self-certification’. Трябва да уведомите работодателя си в писмен вид до 7 дни след като сте му съобщили, че сте болни.
Ако се затруднявате да напишете писмото, използвайте следният формуляр:
https://www.gov.uk/government/publications/statutory-sick-pay-employees-statement-of-sickness-sc2
Кога трябва да представите бележка по болест?
Трябва да представите бележка от доктор, че сте болни, ако отсъствате повече от 7 дни и работодателя поиска такава. Тези 7 дни включват и почивните/неработни дни които ви се полагат. Бележката се казва fit note и се издава от вашето GP.
На бележката, докторът ще напише решението си:
- или, че сте негоден за работа (unfit for work)
- или, че може да работите в определени случаи (may be fit for work)
Ако докторът сметне, че има вариант да работите, той ще ви каже каква форма на работа е подходяща за вашето състояние.
В случай че вашият работодател не може да ви предостави препоръчаните от лекаря условия на работа, то тогава вие ще се водите unfit for work и може да продължите да си стоите вкъщи и да взимате sick pay.
Какво ще получавате
Ще получавате £89.35 на седмица Statutory Sick Pay (SSP) за максимум 28 седмици.
Ще получавате SSP за нормалните си работни дни. Няма да получите заплащане за првите 3 дни в които сте болни.
Ако работите на повече от едно място, може да получавате SSP от всеки работодател.
Как ще получите заплащането си
SSP се заплаща от работодателя по същия начин по който ви се изплаща заплатата – седмично или месечно. Tax и National Insurance се удържат по нормалния начин.
Ако не сте съгласни с решението
Ако смятате, че сумата която получавате е непълна, говорете с вашия работодател. Ако не сте доволни, свържете се е HM Revenue and Customs (HMRC) statutory payment dispute team:
HMRC statutory payment dispute team
Телефон: 03000 560 630
Понеделник до Четвъртък 8:30am – 5pm
Петък 8:30am – 4:30pm
Employment and Support Allowance
Един от недостатъците на това да сте самонаети (self-employed) e, че не ви се полагат никакви държавни болнични и вие сами сте отговорни за своето здраве и издръжка по време на болест. Все пак има и изключения – и в случай на дълготрайно заболяване може да кандидаствате за определен вид помощи.
Employment and Support Allowance е вид помощ, която се отпуска на хора, които са болни и не могат да работят или имат някакъв процент инвалидност или хронично заболяване. Employment and Support Allowance ви предлага:
- финансова подкрепа, ако не можете да работите
- персонализирана помощ, така че да можете да работите, ако имате възможност
ВАЖНО!!! Можете да кандидатствате за ESA, ако сте наети от работодател, самостоятелно наети, или безработни!
Employment and Support Allowance е помощ която НЕ се отпуска при леки болестни състояния като например настинка, грип, вирус, и краткотрайни заболявания в рамките на седмица – две, или три. Това е помощ за която се кандидатства по специфична процедура, трябва да попълвате въпросници, да минете преглед за да се установи какво е заболяването и до каква степен не ви позволява да работите.
Ето защо, ако работите като самонаети и искате да се застраховате при болестни състояния , би било добре да проучите и опциите за застраховка при болест – такива застраховки започват от £10 на месец и ви гарантират определено заплащане в случай че се разболеете и не можете да работите за определен период. Може да сравните застраховки в този сайт ТУК.
Кой може да кандидатства?
Work Capability Assessment: Оценка на работоспособността
Може да кандидатствате за ESA, ако вашето заболяване или инвалидност се отразява на вашата способност да работите и, ако:
- не сте в пенсионна възраст
- не получавате Statutory Sick Pay или Statutory Maternity Pay
- не получавате Jobseeker’s Allowance
- плащали сте достатъчно вноски NIN
Използвайте следните калкулатори, https://www.gov.uk/benefits-calculators за да проверите дали имате право на Employment and Support Allowance (ESA) и колко ориентировъчно може да получите, преди да кандидатствате. Ако не отговаряте на условията, може да имате възможност да кандидатствате за Universal Credit.
Процесът за кандидатстване
Процеса за кандидатстване отнема до 13 седмици. За да може да вземате Employment and Support Allowance , трябва да преминете оценка на вашата работоспособност, която е част от вашата апликация за Employment and Support Allowance. Този вид оценка се прави за да се оцени до каква степен вашата болест или увреждане влияе върху способността ви да работите. След като кандидатствате, ще получите писмо с покана за преглед при лекарско лице. Може да разгледате и въпросника който се попълва тук:
https://www.gov.uk/government/publications/capability-for-work-questionnaire
След като получите оценката за вашето състояние, резултатите ви ще бъдат изпратени до Department for Work and Pensions (DWP) – институцията, която ще реши в коя група да бъдете поставени. Решението зависи от информацията, която ще дадете в попълнената ESA50 форма и от резултатите от вашия медицински преглед.
Employment and Support Allowance се дели на два вида групи, и след като преминете тази оценка ще бъдете поставени в една от двете групи за този вид помощ, а именно:
- работна група (Work-related Group), където редовно ще имате интервюта с консултант
или
- група за подкрепа (Support Group), където няма да имате интервюта с консултант
Разликата между двете групи:
The support group
Ако сте били разпределени в support group, това означава че вие не може да работите и, че институцията която ви е разпределила в тази група не смята, че може да работите в бъдеще и не очакват от вас да правите нещо по въпроса с търсене и намиране на работа.
Ако, въпреки че сте в тази група, искате да работите нещо на непълен работен ден, това е напълно възможно и разрешено. За целта трябва да се свържете директно с Department for Work and Pensions (DWP).
The work-related activity group
Ако сте били разпределени в тази група, това означава че DWP смятат, че вашето заболяване в момента оказва ефект и влияе върху вашата способност за работа, но също така има начини да ви се помогне и вашето състояние да се подобри, за да започнете работа отново.
Никой не очаква от вас да започнете да си търсите работа, но ще бъдете помолени да проведете специално интервю със съветник и да посещавате групи за взаимопомощ в търсене на работа. DWP смятат, че занятията които ще проведете ще ви помогнат да си намерите работа в бъдеще.
Изключения за интервю със съветник и посещение на такива групи се правят ако:
- сте самотен родител на дете под 1 година
- сте в пенсионна възраст
Какво ще получите като финансова помощ?
Размерът на ESA, който ще получавате зависи от:
- вашите обстоятелства, включително вашите доходи и вноски за НИН
- вида група, в която попадате – Work-related или Group Support Group
- къде точно се намирате в процеса на оценяване – преди да сте получили оценка или след като сте получили оценка и разпределение в група
Обикновено в началото (първите 13 седмици) ще ви бъде изплатена фиксирана сума докато тече оценяването на вашето състояние, която е в размер на:
- максимум £57.90 на седмица, ако сте под 25 години
- максимум £73.10 на седмица, ако сте на 25 или повече години
След това, ако сте получили одобрение да взимате ESA, ще получавате сума в зависимост от групата в която сте разпределени:
- максимум £73.10 на седмица, ако сте разпределени в work-related activity group
- максимум £109.65 на седмица, ако сте разпределени в support group
Ако сте разпределени в support group и сте на income-related ESA (четете по-долу за различните видове), вие също така може да взимате и enhanced disability premium, който е £15.90 на седмица.
В някои ситуации, може да се класирате и за severe disability premium – £62.45 на седмица.
Видове ESA
Има два вида ESA (Employment and Support Allowance):
- Contribution-based ESA – зависи от това колко вноски имате за National Insurance – NIN
- Income-related ESA – обикновено вземате този вид помощ или заедно с Contribution-based ESA (ако имате достатъчно вноски НИН) или самостоятелно, ако сте с нисък доход. За този вид ESA се гледат и вашите спестявания.
Contribution-based ESA
Contribution-based ESA се изплаща за максимум една година, ако сте разпределени в work-related activity group. След тази една година може да кандидатствате отново след минимум 12 седмици от последното плащане – това зависи от вашите индивидуални обстоятелства.
Ако сте разпределени в support group, няма лимит на времето за което ще получавате contribution-based ESA – може да получавате тази помощ цял живот.
Income-related ESA
Може да взимате income-related ESA ако не може да взимате contribution-based ESA.
Колко ще взимате зависи от индивидуалните обстоятелства. Income-related ESA може да се взима за неопределен период от време.
Доходи и спестявания
Вашия доход и спестявания влияят значително на това колко ESA ще получавате. За доход се смятат всички от изброените:
- вашия доход и този на вашия съпруг/партньор
- спестявания над £6,000
- пенсия
Ако имате спестявания над £16,000, дори и да сте с нисък доход, няма да получавате income-related ESA.
Какво е „New style“ ESA?
Може да кандидатствате за ‘new style’ ESA, ако имате право да кандидатствате за Universal Credit. Имате право да кандидатствате за Universal Credit ако сте:
- самотен човек който живее в Англия, Уелс или Шотландия
- двойка или семейство и живеете в Universal Credit area
New style ESA е на същия принцип като contribution-based ESA. Дохода на друг член на семейството, както и неговите спестявания няма да окажат влияние на това колко new style ESA ще взимате.
Мога ли да взимам ESA ако работя?
Да, може да работите и да взимате ESA едновременно, в зависимост от това какви часове работите и колко пари изкарвате.
Разрешен вид работа
Стига да работите в рамките на разрешените часове и заплащане, сумата която получавате под формата на ESA няма да бъде повлияна. Разрешено ви е да работите, ако са спазени следните условия:
- изкарвате максимум £120 на седмица
- работите по-малко от 16 часа на седмица
Важно!!! Когато решите да започнете какъвто и да е вид работа, трябва да попълните и изпратите форма PW1.
Как да кандидатствате за ESA
Най – бързият начин за кандидатстване е по телефона.
Contact centre
Телефон: 0800 055 6688
Понеделник до Петък, 8am – 6pm
Може също така да си изтеглите и принтирате ESA1 form и да я изпратите или да я занесете лично в местния Jobcentre Plus office.
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