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£300 p/wk Sick Pay after only one day absence can cost as little as £13.35 p/wk

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Normal Take Home Pay £201.83 less DWP Statutory Sick Pay £51.83 = Shortfall £150.00

Calculate your SSP here www.hmrc.gov.uk/calc's/ssp.htm

See also DWP Sick Pay & DSS Sick Pay or use our Sickness Planner

Learn how to easily pay a mortgage when on the sick and claiming back unpaid sick pay income replacement in this credit crunch falling house market and economy is so important. Protect your home from repossession and ensure you can always pay your loans - membership helps and guides you during these difficult times


Statutory Sick Pay (SSP)

What is it?

SSP is paid to employees who are unable to work because of sickness. SSP is paid by your employer for up to a maximum of 28 weeks.

SSP is not paid for specific illness or treatment but to all employees, who are incapable for work and who satisfy the conditions for payment.

Can I get it?

You must have worked for your employer under a contract of service. Even if it is your first day of work with a new employer and you become sick part way through the day you may be entitled to SSP.

To get SSP you must be:

  • Sick for at least 4 or more days in a row (including weekends and bank holidays). This is known as a Period of Incapacity for Work.
  • Earn, before tax and National Insurance an average of £87.00 a week. This is called the Lower Earnings Limit for National Insurance Contributions (NIC). The amount you need to earn is lower than the amount when you have to start paying NIC’s or would start paying if you were treated as an employed earner.

Your earnings are averaged, over an 8 week period before your sickness began. This period may vary slightly depending on whether you are paid weekly or monthly paid, or at other intervals. If you have just started your job the calculation may be different, contact your employer for more information.

When does SSP start?

SSP is a daily payment and is usually paid for the days that you would normally work. The days that you would normally work are known as Qualifying Days (QDs)

SSP is not paid for the first three QDs, in any period of sickness unless it falls within a linking period.

How much will I get?

If your average earnings before deductions such as tax and National Insurance (NI) are £87.00 a week or more:

  • Standard rate £72.55 from April 2007

How do I claim?

Telling your employer you are sick

To get SSP, you should tell your employer that you are sick as soon as possible. You employer may have their own rules for when and how you tell them you are sick (please check with your employer).

However they cannot insist that you tell them:

  • in person
  • earlier than the first qualifying day or by a set time
  • on a special form
  • on a medical certificate
  • more than once a week during your sickness

Your employer may not pay you SSP if you tell them you are sick more than 7 days after you are first became sick.

Evidence that you are sick

Your employer will ask you for evidence that you are sick. This will usually be in the form of a sick note from your doctor.

But your employer cannot ask you to provide a sick note, for the first 7 days that you are sick. They may ask you to fill in a self-certificate of their own or form SC2 which you can get from your GP's surgery, your nearest HM Revenue & Customs office or HM Revenue & Customs website.

Your employer will pay SSP to you in the same way and at the same time as your normal wages.

 

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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE.