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Introduction The Back to Work Enterprise Allowance (BTWEA) scheme encourages people getting certain social welfare payments to become self-employed. If you take part in the Back to Work Enterprise Allowance scheme you can keep a percentage of your social welfare payment for up to 2 years. A new Back to Work Scheme called the Short-Term Enterprise Allowance started in May 2009. There is no qualifying period for the Short-Term Enterprise Allowance. You can get immediate access to the allowance if you meet the qualifying conditions. The Back to Work Enterprise Allowance is payable to people aged under 66. Rules You can qualify for a Back to Work Enterprise Allowance (BTWEA) if you are: - Setting up as self-employed in a business that has been approved in advance in writing by a DSP case officer or Local Development Company (LDC) (see 'How to apply' below) and - Getting Jobseeker's Allowance or Jobseeker's Benefit (with an underlying entitlement to Jobseeker's Allowance)* for at least 9 months or one of the qualifying payments listed below for at least 12 months *Having an underlying entitlement to Jobseeker's Allowance means that you would pass the means test and other criteria. Signing on for unemployment credits following your Jobseeker's Benefit does not count towards the qualifying period. You may also be considered for the BTWEA if you are: - A dependent adult of a person who is in receipt of the BTWEA. You may qualify if the person taking part in the BTWEA scheme stops their self-employment before exhausting their entitlement. The spouse or partner may avail of the scheme for the time remaining on the original claim. This involves the person who is eligible for the BTWEA transferring his or her entitlements to their spouse, civil partner or cohabitant. (In other words, the spouse, civil partner or cohabitant becomes self-employed and the original claimant becomes the qualified adult on the BTWEA). If the original claimant is entitled to credits, he or she can continue to claim them. However BTWEA cannot be paid at the same time as another social welfare payment so if the original claimant (now a qualified adult) decides to claim another payment you must stop claiming BTWEA. - A person released from prison who satisfies the eligibility criteria for the scheme Qualifying periods Periods of time spent on full-time FET, Fáilte Ireland and Teagasc training courses, Community Employment, Social Economy Programme, Rural Social Scheme, FIT, Job Initiative, JobBridge, Work Placement Programme, Tús, BTEA and VTOS schemes are accepted as qualifying periods provided you were entitled to a qualifying payment before starting on the study or training. The Department of Social Protection also counts time spent on the Community Services Programme provided you were getting a qualifying social welfare payment for at least half of the qualifying period. Time spent on Supplementary Welfare Allowance or in direct provision can count towards the qualifying period for BTWEA as long as you establish an entitlement to a relevant payment before starting the BTWEA. If you have previously participated in the BTWEA scheme and used up your entitlement, you can participate a second time after at least 5 years. Find out more about the qualifying periods for Back to Work Enterprise Allowance. Help starting a business In addition to income support (your weekly payment), you can also get financial support with the costs of setting up your business. These supports are provided under a scheme called the Enterprise Support Grant (ESG). (The ESG replaced the Technical Assistance and Training Scheme (TATS) from 16 April You can only get the ESG if you have been approved for the Back to Work Enterprise Allowance. The business plan you submit as part of your application for the scheme must set out the rationale and requirement for financial support. The ESG can pay a total of €2,500 in any 24-month period (The ESG is paid to people getting the Short-Term Enterprise Allowance on a pro-rata basis). You must be able to make a matching contribution of at least 20% to access grant support. You need to provide documentary evidence of the costs (quotations from at least 2 suppliers or, if a single supplier, the reasons for choosing a single supplier). Eligible items for grant support include: Note that you do not have an automatic right to any of these amounts. The Department of Social Protection's Case Officer will assess your application and eligibility. Some items are not eligible for grant support under the ESG. These include: - Building/premises rental costs - Cost of travel - Insurance (except public liability) - Personal clothing and uniforms (except protective clothing) - Professional development programmes arranged by professional and regulatory bodies - Purchase of any type of vehicle - Stock-in-trade - Training or education other than that specified Utility costs, connection or supply and local authority rates More information is available about becoming self-employed. Employment grants Employment grants from a Local Enterprise Office (LEO) or Local Development Companies do not affect your entitlement to the Back to Work Enterprise Allowance. Rates If you qualify for the Back to Work Enterprise Allowance you can keep the following portion of your social welfare payment, including increases for a qualified adult and qualified children, for a maximum of 2 years: - 100% for the 1st year - 75% for the 2nd year If your qualified adult finds employment this does not affect your BTWEA. However if your qualified adult claims another social welfare payment in their own right or takes up Community Employment your BTWEA payment will be reduced accordingly. Extra benefits You can keep your extra (or secondary benefits) for as long as you are getting the Back to Work Enterprise Allowance. However you must be deemed eligible for the Rental Accomodation Scheme to keep your Rent Supplement. Your Rent Supplement may be affected if your earnings go up while you are on the scheme. You should check with the Department of Social Protection's representative (formerly known as the Community Welfare Officer) in your local health centre to see how your Rent Supplement may be affected by your participation in the Back to Work Enterprise Allowance. Extra benefits include: The Back to Work Enterprise Allowance is paid directly into your bank or building society account each week. The allowance cannot be paid into a mortgage account. You must contact the Department of Social Protection immediately if your self-employment ends or you take up employment. You do not have to pay tax, PRSI or Universal Social Charge on the Back to Work Enterprise Allowance but you may have to pay tax, PRSI and Universal Social Charge on any income you get from self-employment. You can claim Start Your Own Business Relief if you are getting the Back to Work Enterprise Allowance (BTWEA). This scheme provides a two-year exemption from income tax (up to a maximum of €40,000 per year) for people who have been unemployed for at least 12 months before starting their own business. It runs from 23 October 2013 to 31 December 2016. (However if you started to get the BTWEA before 25 October 2013 you do not qualify for the relief because you had already started your business before the start date for the scheme.) How to apply To apply for the Back to Work Enterprise Allowance, complete application form BTW 2. If you live in an area covered by a Local Development Company (LDC) (sometimes known as local partnership companies) you should return form BTW 2 to the Enterprise Officer in the LDC. If you do not live in a LDC Area, you should return form BTW 2 to the Case Officer in your Intreo centre or social welfare local office. The Enterprise Officer or Case Officer will look at your business proposal and may discuss certain aspects of it with you. You must not take up self-employment until you have received written approval from the LDC or Department of Social Protection. If you are accepted on to the Back to Work Enterprise Allowance, you must register as self-employed with the Revenue Commissioners. Appealing a decision The BTWEA is an administrative scheme. This means that you cannot appeal a decision to the Social Welfare Appeals Office. However you can ask the Department of Social Protection to review your application if you feel that you have been wrongly refused the allowance.
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Eolas Spreagann an scéim Liúntas Fiontraíochta um Fhilleadh ar Obair daoine atá ag fáil íocaíochtaí leasa shóisialta áirithe dul i mbun féinfhostaíochta. Coinníonn daoine atá ag glacadh páirte sa scéim Liúntas Fiontraíochta um Fhilleadh ar Obair ceatadán dá n-íocaíochtaí leasa shóisialta ar feadh 2 bliana. Cuireadh tús i mBealtaine 2009 le scéim nua Liúntas um Fhilleadh ar an Obair dá ngairtear an Liúntas Fiontraíochta Gearrthréimhseach. Níl aon tréimhse cháilitheach chun Liúntas Fiontraíochta Gearrthréimhseach a fháil. Is féidir rochtain láithreach ar an liúntas a fháil ach caithfidh tú na coinníollacha cáilithe a shásamh. Is féidir an Liúntas Fiontraíochta um Fhilleadh ar Obair a íoc le daoine atá faoi aois 66. Rialacha Is féidir leat cáiliú le haghaidh Liúnta Fiontraíochta um Fhilleadh ar Obair (BTWEA) má: - Tá tú ag tosú mar ghnólacht féinfhostaithe a ceadaíodh i scríbhinn roimh ré ag Oifigeach Cáis nó ag Comhlacht Comhpháirtíochta (féach ‘Conas iarratas a dhéanamh’ thíos) agus - Tá Liúntas Cuardaitheora Poist nó Sochar Cuardaitheora Poist (le bunteidlíocht i leith an Liúntais Chuardaitheora Poist)* á fháil agat ar feadh 9 mí ar a laghad, nó tá ceann de na híocaíochtaí cáilithíocha a liostaítear thíos á fáil agat ar feadh 12 mhí ar a laghad . - Socrú idirthréimhseach Liúntas Cuardaitheora Poist - Íocaíocht Teaghlaigh Aontuismitheora - Pinsean na nDall - Liúntas Míchumais - Liúntas Cúramóra (tar éis deireadh a chur leis na dualgais chúraim) - Cúnamh Feirme - Pinsean Easláinte - Forlíonadh Neamhábaltachta - Liúntas Réamhscortha - Pinsean Baintrí, Baintrí Fir nó Páirtnéara Shibhialta Mharthanaigh (Neamh-Ranníocach) - Sochar nó Liúntas Banchéile Tréigthe - Liúntas Banchéile Príosúnaithe nó - Sochar Breoiteachta ar feadh 3 bliana nó níos faide *Má tá Sochar Cuardaitheora Poist á fháil agat, ní mór duit bheith dífhostaithe ar feadh 2 bhliain le bheith incháilithe . Má tá teidlíocht bhunúsach agat, áfach, i leith an Liúntais Chuardaitheora Poist (ciallaíonn seo go n-éireodh leat sa tástáil mhaoine agus go sásófá critéir eile) agus go raibh Sochar Cuardaitheora Poist á fháil agat ar feadh 12 mhí, tá tú incháilithe don liúntas. Ní chuirtear san áireamh síniú le haghaidh creidmheasanna dhífhostaíochta i ndiaidh do Shochair Chuardaitheora Poist i dtreo na tréimhse cáilithe. Ina theannta sin, d’fhéadfaí breithniú a dhéanamh ort don Liúntas Fiontraíochta um Fhilleadh ar Obair má: - Duine fásta cleithiúnach i dtaca le duine atá intofa chun an Liúntas Fiontraíochta um Fhilleadh ar Obair a éileamh, féadfaidh an duine fásta cleithiúnach sin cáiliú má scoireann an duine a ghlacann páirt i Scéim an Liúntais Fhiontraíochta um Fhilleadh ar Obair d'fhostaíocht nó d'fhéinfhostaíocht roimh dó/di an teidlíocht a ídiú. Féadfaidh teidlíocht a bheith aige/aici faoin scéim go ceann na tréimhse a bheidh fágtha ar an éileamh bunaidh. Is éard atá i gceist anseo ná go n-aistríonn an duine atá intofa don Liúntas Fiontraíochta um Fhilleadh ar Obair a t(h)eidlíochtaí chuig a c(h)éile, a p(h)áirtnéir sibhialta nó a c(h)omhchónaitheoir. (I bhfocail eile, téann an céile, an páirtnéir sibhialta nó an comhchónaitheoir le féinfhostaíocht agus is é an t-éilitheoir bunaidh an duine fásta cáilithe ar an Liúntas Fiontraíochta um Fhilleadh ar Obair). Má tá an t-éilitheoir bunaidh i dteideal creidmheasanna, is féidir leis/léi leanúint de chreidmheasanna a éileamh. Ní féidir, áfach, an Liúntas Fiontraíochta um Fhilleadh ar Obair a íoc in éineacht le híocaíocht leasa shóisialaigh eile agus mar sin, má chinneann an t-éilitheoir bunaidh (arb é an duine fásta cáilithe anois é) ar íocaíocht eile a éileamh, ní mór duit éirí as an Liúntas Fiontraíochta um Fhilleadh ar Obair a éileamh. - Duine atá ionat a scaoileadh ón bpríosún a shásaíonn na critéir incháilitheachta le haghaidh na scéime Tréimhsí cáiliúcháin Is féidir tréimhse ar bith caite ar chúrsaí traenála FET, Scéimeanna Fostaíochta Pobail , Clár Seirbhísí Pobail, Scéím Tionscnamh Jabanna, Fáilte Ireland, TEAGASC, FIT, JobBridge, Scéim Náisiúnta Intéirneachta, agus scéimeanna um Fhilleadh ar Oideachas a chur san áireamh mar thréimsí dífhostaithe. Áirítear tréimhsí ina bhfuarthas Liúntas Leasa Forlíontach agus Soláthar Díreach i leith na tréimhse cáiliúcháin ar choinníoll go mbunaíonn an t-iarratasóir teidlíocht ar íocaíocht ábhartha Leasa Shóisialaigh roimh dó/di an scéim a thosú. Má ghlac tú páirt cheana i scéim LFFO agus má tá do theideal ídithe agat, féadfaidh tú páirt a ghlacadh an athuair má tá 5 bliana ar a laghad imithe ó shin. Tá tuilleadh eolais ar fáil maidir le tréimhsí cáiliúcháin um Liúntas Fiontraíochta um Fhilleadh ar Obair. Cabhair le gnó a thosú Is féidir leat tuilleadh faisnéise a fháil faoi éirí féinfhostaithe. Deontais fostaíochta Ní rachaidh deontais fostaíochta ó Oifigí Fiontair Áitiúla nó ó nó ó chuideachtaí LDC i gcion ar do theidlíocht maidir leis an Liúntas Fiontraíochta um Fhilleadh ar an Obair nó leis an Liúntas Fiontraíochta Gearrthéarmach. Rátaí Liúntas Fiontraíochta um Fhilleadh ar Obair Coinneoidh rannpháirtithe nua na céatadáin seo a leanas dá n-íocaíocht leasa shóisialaigh, lena n-áirítear méaduithe do dhuine fásta cáilithe agus do leanaí cáilithe, go ceann 2 bhliain ar a mhéid: - 100% don chéad bhliain - 75% don dara bliain. Sochair tánaisteacha Coinneoidh tú aon sochair tánaisteacha chomh fada is atá tú ag fáil an Liúntas Fiontraíochta um Fhilleadh ar Obair nó an Liúntas Fiontraíochta Gearrthréimhseach. Ba chóir duit ceist a chur ar d’Oifigeach Leasa Pobail i d’ionad Sláinte áitiúil chun a fháil amach cén tionchar a d’fhéadfadh a bheith ag do rannpháirtíocht sa Liúntas Fiontraíochta um Fhilleadh ar Obair nó sa Liúntas Fiontraíochta Gearrthréimhseach ar do Fhorlíonadh Cíosa. Cuimsíonn sochair tánaisteacha: Íocfar an Liúntas Fiontraíochta um Fhilleadh ar Obair díreach isteach i do chuntas bainc nó do chuntas cumainn foirgníochta ar bhunús seachtainiúil. Ní féidir an liúntas a íoc isteach i gcuntas morgáiste. Ní mór duit dul i dteagmháil leis an Roinn Coimirce Sóisialaí láithreach má thagann deireadh le do fhéinfhostaíocht nó má ghlacann tú le fostaíocht. Conas iarratas a dhéanamh Líonfoirm iarratais BTW 2 (pdf) chun iarratas a dhéanamh ar an Liúntas Fiontraíochta um Fhilleadh ar Obair. Má tá tú i do chónaí i gceantar Comhpháirtíochta nó i gceantar Cuideachta Forbartha Áitiúla Comhtháite (CFAC), ba cheart duit an fhoirm BTW 2 a chur ar ais chuig i do Chomhphairtíocht nó CFAC chun go gcuirfear í faoi bhráid Oifigeach Fiontair. Má tá tú i do chónaí i gceantar nach ceantar comhphairtíochta ná CFAC é, ba cheart duit foirm BTW 2 a chur chuig d'oifigeach leasa shóisialaigh áitiúil chun go gcuirfear í faoi bhráid Oifigeach Cáis. Breathnóidh an Oifigeach Fiontair nó Oifigeach Cáis ar do thogra gnó agus b'fhéidir go pléifidh sé/sí gnéithe áirithe de leat. Ní cead agat féinfhostaíocht a thosnú go dtí go bhfuil faomhadh scríofa faighte agat dó ón gComhlacht Comhphairtíochta/CFAC nó an Roinn Coimirce Sóisialaí. Má ghlactar leat ar an scéim um Fhilleadh ar Obair Fiontar, ní foláir duit clarú mar dhuine féinfhostaithe leis na Coimisinéirí Ioncaim.