http___www.welfare.ie_ga_Pages_Self-Employed-and-Jobseekers-Supports.aspx_1.xml
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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 people pay Class S PRSI. Class S PRSI only covers you for certain social welfare payments. It does not cover you for Jobseeker’s Benefit. However, if you worked as an employee in the last 4 years, you may have paid Class A PRSI and should apply to your local Intreo Centre or social welfare local office for Jobseeker’s Benefit. Your Intreo centre or social welfare local office will check their records to find out whether you have enough Class A contributions to get Jobseeker’s Benefit. If you work part-time you may qualify for Jobseeker’s Benefit. However, you must have lost at least one day of employment and as a result of this loss be unemployed for at least 4 days out of 7 days. Your earnings must also have been reduced because of the loss of employment. For example, if you are engaged under a contract for service to work (on a self-employed basis) for 3 days per week and unemployed for the remainder of the week, you may qualify for Jobseeker’s Benefit. Jobseeker’s Benefit is taxable. If you do not qualify for Jobseeker’s Benefit you may get Jobseeker’s Allowance. When you apply for Jobseeker’s Benefit you will be asked if you want to be assessed for Jobseeker’s Allowance if your claim for Jobseeker’s Benefit is unsuccessful. Jobseeker's Allowance 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. You will get Jobseeker’s Allowance if your income is below a certain level. Income from self-employment and the means test The earnings from your business will be assessed in the means test for Jobseeker’s Allowance. The assessment must reflect the income you may reasonably be expected to get from your business over the next 12 months. Income for the last 12 months will be taken as a guide but allowing for any factors which it is known will vary. You should be prepared to discuss these factors when you are assessed for Jobseeker’s Allowance. Earnings are assessed as gross income less work related expenses over 12 months. Your expected annual earnings from self-employment is divided by 52 to find your weekly means from self-employment. Any ‘drawings’ you take from the business is not an allowable expense. If your ‘drawings’ from the business are greater than the level of income calculated, the ‘drawings’ are assessed as cash income. There is no exhaustive list of all business expenses allowed because expenses vary with the nature and extent of the self-employment. However the following are the main allowable expenses in most cases: - Materials (supplies costs) - Motor running costs (portion applicable to business) - Depreciation of machinery or equipment - Insurance relating to the business - Telephone (portion applicable to business) - Lighting and heating (for business and not domestic use) - Advertising - Bank charges - Stationery - Van leasing - Any other costs associated with running the business (household running costs are not allowed as deductions against business profit) To prove the level of income from your business you must give your receipts and payments (documentation showing money coming in and out of your business) or audited accounts to the person dealing with your application in your Intreo centre or social welfare local office. When you apply for Jobseeker’s Allowance Usually, you will be asked for your receipts and payments or audited accounts for the current and previous year. For example, if you apply for Jobseeker's Allowance in April 2014 you will be asked for your receipts and payments from January to April 2014 and for 2013. However, in certain cases you may be required to show audited accounts for the last two or more years. Find out more about signing on for a jobseeker’s payment. You may qualify for Supplementary Welfare Allowance while you are waiting to be assessed for a jobseeker’s payment or if you don’t qualify for a jobseeker’s payment. Supplementary Welfare Allowance Supplementary Welfare Allowance provides a basic weekly allowance to eligible people who have little or no income. If your weekly income is below the Supplementary Welfare Allowance rate for your family size, a payment may be made to bring your income up to the appropriate Supplementary Welfare Allowance rate. You cannot get Supplementary Welfare Allowance if you are working more than 30 hours per week. If you have claimed a jobseeker’s payment but it has not yet been paid and you have no other income, you may qualify for Supplementary Welfare Allowance while you are awaiting payment.
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Réamhrá Is féidir le daoine féinfhostaithe a bheith dífhostaithe má dhúnann a gcuid gnó. Cé go leanfá de bheith féinfhostaithe, d’fhéadfadh sé tarlú go bhfuil laghdú chomh mór ar do chuid oibre nach soláthraítear dóthain ioncaim duit níos mó. Má tharlaíonn go bhfuil tú dífhostaithe nó má thagann laghdú ar do chuid oibre, d'fhéadfá a bheith incháilithe d’íocaíocht leasa shóisialaigh. Ní gá duit díchlárú mar dhuine féinfhostaithe chun íocaíocht leasa shóisialaigh a fháil. Mura gcáilíonn tú le haghaidh íocaíochta leasa shóisialaigh, d'fhéadfá cáiligh chun ranníocaíochtaí deonacha a íoc. Sochar Cuardaitheora Poist (SCP) Íocann daoine féinfhostaithe ÁSPC in Aicme S. Clúdaíonn ÁSPC Aicme S íocaíochtaí leasa shóisialaigh áirithe amháin. Ní chlúdaítear Sochar Cuardaitheora Poist. Mar sin má d’oibrigh tú mar fhostaí sa 4 bhliain chánach is déanaí, b’fhéidir gur íoc tú ÁSPC Aicme A agus ba chóir duit iarratas a dhéanamh ar Shochar Sochar Cuardaitheora Poist i d'Ionad Intreo nó d’Oifig Leasa Shóisialaigh áitiúil. Déanfaidh d’Oifig Leasa Shóisialaigh áitiúil do thaifid a sheiceáil chun fáil amach cibé an bhfuil dóthain ranníocaíochtaí Aicme A agat chun Sochar Cuardaitheora Poist a fháil. Is féidir leat leanúint le Sochar Cuardaitheora Poist a fháil agus tú agus beagán oibre a dhéanamh. Mar sin féin, caithfidh tú lá amháin fostaíochta a chailliúint ar a laghad - agus a bheith dífhostaithe 4 lá as 7 ar a laghad dá bharr. Lena chois sin, caithfidh laghdú tuilleamh a bheith i gceist leis an gcaillteanas fostaíochta. Mar shampla, má tá tú faoi chonradh seirbhíse oibre (ar bhonn féinfhostaithe) ar feadh 3 lá in aghaidh na seachtaine, d’fhéadfá a bheith incháilithe do Shochar Cuardaitheora Poist. Tá Sochar Cuardaitheora Poist inchánach. Mura gcáilíonn tú do Shochar Cuardaitheora Poist, d’fhéadfá Liúntas Cuardaitheora Poist a fháil. Nuair a dhéantar iarratas ar Shochar Cuardaitheora Poist, iarrfar ort ar mhaith leat go ndéanfaí measúnú ort don Liúntas Cuardaitheora Poist mura mbíonn rath ar an éileamh do Shochar Cuardaitheora Poist. Liúntas Cuardaitheora Poist Caithfidh tú na coinníollacha a leanas a shásamh chun Liúntas Cuardaitheora Poist a fháil: - Os cionn 18 agus faoi 66 - Dífhostaithe - Ábalta oibriú, ar fáil chun oibre agus go fírinneach ag cuardach oibre - Gnáthchónaí - Tástáil Mhaoine a shásamh. Má tá tú féinfhostaithe, d’fhéadfá a bheith i dteideal do Liúntas Cuardaitheora Poist ag brath ar thuillimh an ghnó atá agat. Ní gá duit do ghnó a dhúnadh nó stopadh ag obair mar dhuine féinfhostaithe chun Liúntas Cuardaitheora Poist a fháil. Má thiteann sé faoi leibhéal áirithe, gheobhaidh tú Liúntas Cuardaitheora Poist. Ioncam féinfhostaíochta agus tástáil mhaoine Déantar na tuillimh ghnó atá agat a mheasúnú sa tástáil mhaoine don Liúntas Cuardaitheora Poist. Caithfidh an measúnú tuar réasúnta a thabhairt den ioncam ón ghnó sna chéad 12 mhí amach romhainn. Glacfar le hioncam sna 12 mhí deiridh mar threoir, ach ceadófar do thosca ar bith a dhéanfadh cúrsaí a athrú. Ba chóir duit a bheith réidh leis na tosca seo a phlé nuair atá measúnú á dhéanamh don Liúntas Cuardaitheora Poist. Déantar na tuillimh a mheasúnú mar ollioncam lúide na costais a bhaineann le hobair thar tréimhse 12 mhí. Déantar do thuillimh bhliantúla tuartha a roinnt faoi 52 chun d’acmhainní seachtainiúla ó fhéinfhostaíocht a fháil. Níl ‘tarraingtí’ ar bith a bhaintear ón ngnó incheadaithe mar chostas. Má tá do ‘tharraingtí’ ón ghnó níos mó ná an leibhéal ioncaim a ríomhtar, déantar ‘tarraingtí’ a mheasúnú mar ioncam in airgead tirim. Níl aon liosta uileghabhálacha de chostais uile toisc nádúr agus réim na féinfhostaíochta. Mar sin, is iad na nithe a leanas na príomhchostais incheadaithe sa chuid is mó de chásanna: - Ábhair (costais soláthair) - Costais coinneála mótair (sciar a bhaineann leis an ngnó) - Dímheas innealra nó trealaimh - Árachas a bhaineann leis an ngnó - Teileafón (sciar a bhaineann leis an ngnó) - Soilsiú agus téamh (don ghnó agus ní úsáid sa bhaile) - Fógraíocht - Táillí bainc - Stáiseanóireacht - Léasú Veain - Costais ar bith eile a bhaineann le bainistiú an ghnó. - Níl costais reatha teaghlaigh ceadaithe mar asbhaintí in aghaidh bhrabúis ghnó. Chun an leibhéal ioncaim ón ghnó atá agat a ríomh caithfidh tú d’admhálacha agus íocaíochtaí (cáipéisíocht a léiríonn airgead ag teacht isteach agus amach ón ghnó atá agat) nó cuntais iniúchta a thabhairt don duine ag déileáil le d’iarratas san Oifig Leasa Shóisialaigh áitiúil. Nuair a dhéantar iarratas ar Liúntas Cuardaitheora Poist Go hiondúil, iarrfar d’admhálacha agus íocaíochtaí nó cuntais iniúchta ort don bhliain reatha agus an bhliain roimhe sin. Mar shampla, má dhéantar iarratas ar Liúntas Cuardaitheora Poist, iarrfar ort d’admhálacha agus íocaíochtaí ó Eanáir go Meitheamh 2014 agus do 2013 a thabhairt. Mar sin féin, d’fhéadfadh dualgas a bheith ort cuntais iniúchta a thaispeáint do dhá bhliain deiridh nó níos mó. Faigh tuilleadh eolais faoi shíniú d’íocaíocht cuardaitheora poist. D’fhéadfá a bheith incháilithe don Liúntas Leasa Forlíontach nuair atá tú ag feitheamh ar mheasúnú don íocaíocht cuardaitheora poist nó mura gcáilíonn tú don íocaíocht cuardaitheora poist. Liúntas Leasa Forlíontach Soláthraíonn Liúntas Leasa Forlíontach bunliúntas seachtainiúil do dhaoine incháilithe atá ar bheagán ioncaim nó gan ioncam ar bith. Má tá d’ioncam seachtainiúil faoin ráta Liúntais Leasa Fhorlíontaigh do mhéid an teaghlaigh atá agat, is féidir íocaíocht a dhéanamh a thabharfaidh d’ioncam chomh fada le ráta iomchuí Liúntais Leasa Fhorlíontaigh. Ní féidir leat Liúntas Leasa Forlíontach a fháil má tá tú ag obair níos mó na 29 uair in aghaidh na seachtaine. Má tá éileamh déanta agat ar íocaíocht cuardaitheora poist ach nár íocadh rud ar bith fós agus nach bhfuil aon ioncam eile agat, d’fhéadfá a bheith incháilithe don Liúntas Leasa Forlíontach nuair atá tú ag feitheamh ar d’íocaíocht.