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UNIVERSAL SOCIAL CHARGE (USC)

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    #122
    Kotek Besar
    Registered Users Posts: 3,601 ✭✭✭Kotek Besar


    Sephiroth_dude wrote: »
    Is the usc replacing prsi too?

    No. PAYE and PRSI are still deducted separately.


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    #123
    Sephiroth_dude
    Moderators, Computer Games Moderators, Social & Fun Moderators Posts: 80,004 Mod ✭✭✭✭Sephiroth_dude


    Kotek Besar wrote: »
    No. PAYE and PRSI are still deducted separately.

    Oh I though the USC was replacing everything.


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    #124
    Kotek Besar
    Registered Users Posts: 3,601 ✭✭✭Kotek Besar


    Sephiroth_dude wrote: »
    Oh I though the USC was replacing everything.

    I think a few people thought that, you're not alone.


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    #125
    Gael23
    Registered Users Posts: 12,086 ✭✭✭✭Gael23


    Sephiroth_dude wrote: »
    Is the usc replacing prsi too?
    The usc replaces the income levy and the Health portion of PRSI


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    #126
    EggsAckley
    Registered Users Posts: 145 ✭✭EggsAckley


    Does anyone know if the change regarding Medical Card holders will apply in the same manner as the Income Levy? i.e. if you held a medical card for any time in the year (even just one day) you were exempt from the Income Levy


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    #127
    pigeonbutler
    Registered Users Posts: 666 ✭✭✭pigeonbutler


    @668Janet - Finance Act is now signed by President. So the cap applies for the full year, i.e. immediately.

    @EggsAckley - The Act is silent on that but the wording of medical card cap is very similar to old provisions in Income Levy section so if that was the interpretation previously it is likely to be the same for the USC.


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    #128
    EggsAckley
    Registered Users Posts: 145 ✭✭EggsAckley


    pigeonbutler wrote: »
    @668Janet - Finance Act is now signed by President. So the cap applies for the full year, i.e. immediately.

    @EggsAckley - The Act is silent on that but the wording of medical card cap is very similar to old provisions in Income Levy section so if that was the interpretation previously it is likely to be the same for the USC.

    Revenue have updated the faq and this is the case


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    #129
    HarvestAnne
    Closed Accounts Posts: 16 ✭HarvestAnne


    Since the publication of the Finance Act, medical card holders will not have to pay the higher rate fo 7% for USC. They will be capped at 4%.
    Employers have been asked by Revenue to refund any overpayment made since January to these employees so they should get a refund if they have paid 7% USC on their pay in January.


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    #130
    Cookie_Monster
    Registered Users Posts: 24,470 ✭✭✭✭Cookie_Monster


    So why do medical card holder get both the benefit of the card and the reduced rate of payment, that's not really fair is it?


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    #131
    Kotek Besar
    Registered Users Posts: 3,601 ✭✭✭Kotek Besar


    Cookie_Monster wrote: »
    So why do medical card holder get both the benefit of the card and the reduced rate of payment, that's not really fair is it?

    Because they're poor. That's why they have the Medical Card in the first place.


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    #132
    HarvestAnne
    Closed Accounts Posts: 16 ✭HarvestAnne


    I understand your frustration but to be honest, this group of people have been really hard hit with the USC. PReviously they were exempt from the Health Levy (although some of them didn't know that and their employers deducted it from them anyway!) and Income Levy. Now they have to pay an additional 4% of their pay in USC.
    I suppose it's up to all of us to ensure that we're utilising all the tax credits and breaks that are available to us!


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    #133
    Max Power1
    Closed Accounts Posts: 10,272 ✭✭✭✭Max Power1


    Kotek Besar wrote: »
    Because they're poor. That's why they have the Medical Card in the first place.
    more likely just scroungers tbh.

    I would be heavily in favour of abolishing the medical card.


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    #134
    HarvestAnne
    Closed Accounts Posts: 16 ✭HarvestAnne


    Max Power 1 - that may be your opinion - until you get some illness like diabetes when you have to go and buy all the medication, equipment and syringes yourself! You might change your mind then!


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    #135
    Max Power1
    Closed Accounts Posts: 10,272 ✭✭✭✭Max Power1


    HarvestAnne wrote: »
    Max Power 1 - that may be your opinion - until you get some illness like diabetes when you have to go and buy all the medication, equipment and syringes yourself! You might change your mind then!
    My asthma meds cost me upwards of €100-120.

    I am not earning the "average industrial wage" but quite a bit under it, yet because I work (and pay taxes to fund these scroungers), I am not qualified for a medical card.


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    #136
    Kotek Besar
    Registered Users Posts: 3,601 ✭✭✭Kotek Besar


    Max Power1 wrote: »
    My asthma meds cost me upwards of €100-120.

    I am not earning the "average industrial wage" but quite a bit under it, yet because I work (and pay taxes to fund these scroungers), I am not qualified for a medical card.

    Oi. Watch your mouth.

    I'm not a scrounger. I work full time, in the same job for 5 years. I pay taxes. Between my wife and I our taxes have risen by ~ €200 a month as a result of Budget 2011. Our incomings are less due to a reduction in in Child Benefit.

    We have a Medical Card because the law says we're entitled to one. Without it, my family would suffer worse financially than we already are, due to the mess this country's in.

    So this image you seem to have of all those who have Medical Cards to be jobless leaches who are on the dole for fun and bleed the country dry any way they can is downright insulting. Grow up would you.


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    #137
    susie05
    Registered Users Posts: 78 ✭✭susie05


    So max power..My Husband works 40+ hours a week on **** money to try & keep a roof over our heads.. & i stay at home to look after 2 kids...One of whom is on meds & we Have a Medical card & without it we wouldnt be able to pay to get her meds or See gp otherwise,SO am i a scrounger??
    Talk about Being Narrow minded.


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    #138
    Max Power1
    Closed Accounts Posts: 10,272 ✭✭✭✭Max Power1


    susie05 wrote: »
    So max power..My Husband works 40+ hours a week on **** money to try & keep a roof over our heads.. & i stay at home to look after 2 kids...One of whom is on meds & we Have a Medical card & without it we wouldnt be able to pay to get her meds or See gp otherwise,SO am i a scrounger??
    Talk about Being Narrow minded.
    Should have thought of that before having kids. Why dont you work? Why are my taxes (and those of other hardworking people) funding your sitting around all day?


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    #139
    Max Power1
    Closed Accounts Posts: 10,272 ✭✭✭✭Max Power1


    Kotek Besar wrote: »
    Oi. Watch your mouth.

    I'm not a scrounger. I work full time, in the same job for 5 years. I pay taxes. Between my wife and I our taxes have risen by ~ €200 a month as a result of Budget 2011. Our incomings are less due to a reduction in in Child Benefit.

    We have a Medical Card because the law says we're entitled to one. Without it, my family would suffer worse financially than we already are, due to the mess this country's in.

    So this image you seem to have of all those who have Medical Cards to be jobless leaches who are on the dole for fun and bleed the country dry any way they can is downright insulting. Grow up would you.
    Watch your mouth and grow up :rolleyes:

    Just because something is permitted by law doesnt make it correct.


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    #140
    djginger
    Closed Accounts Posts: 4 ✭djginger


    does anyone know if part of the thinking behind the USC is to bulk up the VHI reserves to make it a viable insurance entity before it is fully privatised


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    #141
    irishpancake
    Registered Users Posts: 1,481 ✭✭✭irishpancake


    Max Power1 wrote: »
    My asthma meds cost me upwards of €100-120.

    I am not earning the "average industrial wage" but quite a bit under it, yet because I work (and pay taxes to fund these scroungers), I am not qualified for a medical card.

    Hi Max.....

    How do you know you are not qualified?

    Is it possible that you actually applied to become one of these scroungers yourself, hence your knowledge regarding your eligibility?

    BTW, I think most reasonable people here would support your qualification, and would be quite happy to see their Taxes used in such a fashion, if you are indeed earning less than the AIW, and your meds do cost €100-€120p/mth.

    This is an intolerable financial burden on someone in your position.

    HarvestAnne:
    Max Power 1 - that may be your opinion - until you get some illness like diabetes when you have to go and buy all the medication, equipment and syringes yourself! You might change your mind then!

    No point in giving misleading information here either.

    Diabetics are entitled to a Long Term Illness Card, which covers all drugs and medical devices related to the disease, including syringes, etc.

    The problem here is hat the list of illnesses which qualify for the LTI is quite restricted, and does not include Asthma, for example.


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    #142
    Geuze
    Registered Users Posts: 13,074 ✭✭✭✭Geuze


    djginger wrote: »
    does anyone know if part of the thinking behind the USC is to bulk up the VHI reserves to make it a viable insurance entity before it is fully privatised

    No, the USC is nothing directly to do with the VHI.


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    #143
    Geuze
    Registered Users Posts: 13,074 ✭✭✭✭Geuze


    Kotek Besar wrote: »
    Because they're poor. That's why they have the Medical Card in the first place.

    Note that plenty of people have 100,000+ on deposit, and incomes of 1000 per week and have medical cards.

    They are not poor, but they do have medical cards.


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    #144
    kgallake
    Registered Users Posts: 5 ✭kgallake


    Hi all to be blunt the USC is another way to increase the amount of stealth tax they take from me in a nut shell I paid 348 in deductions per month now I pay 410 euro per month in deductions an increase of 62 euro per month in the levys and taxes I have to pay to which i have now less money to spend in any retail outlet either for food /fuel or anything that keep the country moving the old/new goverment is taxing the workers to pay huge pay bill for the civil service and to pay back the Eu on all the loans and bailouts we now have.

    The ecomony in failing because we have less working and more now on the dole and we have less to spend which lowers the revenue income for the goverment who have huge bills to pay as have all who have a mortage to pay or keep a roof over their head or try to pay, plus keep their job and have taken a wage cut of 20 to 25 percent to keep their jobs and now have the USC plus the increase in the cost of living.

    I hope I have a job this time next year/month who knows as we have seen a huge down turn in work in the last two months where will it all end ? :confused:


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    #145
    whippet
    Registered Users Posts: 7,668 ✭✭✭whippet


    Max Power1 wrote: »
    Should have thought of that before having kids. Why dont you work? Why are my taxes (and those of other hardworking people) funding your sitting around all day?

    I just noticed this statement here ..... are you serious or is this tongue in cheek?

    a mother of two sitting around all day? you obviously have either no direct experience of childcare or have a totally blinkered view.

    If only people who could comfortably afford to have children did, the country would be in a bigger mess in a few years .... there would be nobody around to work, to pay the taxes for your generation's pensions, public services etc ....

    Also, with the cost of full time childcare, circa €800-1000 per child, a second parent working full time would have to earn much more than min wage, to be able to justify not being a full time stay at home parent.

    I am a parent with one child, paying €1k per month childcare, before taxes I have to earn about €1500 per month to pay for this, as well as all the other expenses that go with being a parent.

    Children are not a financial exercise, families and children were around long before economics and budgets .... to make a comment like you just made is outlandish


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    #146
    Essexboy
    Closed Accounts Posts: 778 ✭✭✭Essexboy


    irishpancake wrote: »
    Hi Max.....

    How do you know you are not qualified?

    Is it possible that you actually applied to become one of these scroungers yourself, hence your knowledge regarding your eligibility?

    BTW, I think most reasonable people here would support your qualification, and would be quite happy to see their Taxes used in such a fashion, if you are indeed earning less than the AIW, and your meds do cost €100-€120p/mth.

    This is an intolerable financial burden on someone in your position.

    HarvestAnne:



    No point in giving misleading information here either.

    Diabetics are entitled to a Long Term Illness Card, which covers all drugs and medical devices related to the disease, including syringes, etc.

    The problem here is hat the list of illnesses which qualify for the LTI is quite restricted, and does not include Asthma, for example.

    The problem here is hat the list of illnesses which qualify for the LTI is quite restricted, and does not include Asthma, for example.

    or Cancer.


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    #147
    Red Silurian
    Registered Users Posts: 8,396 ✭✭✭Red Silurian


    I make between €100 and €150/week as a part-time barman and I've so far this year paid almost €70 in this USC! Thats half a weeks wages almost! Meanwhile I tried to get a loan for a car recently and the bank wouldn't give me one, yet my contribution (not single-handedly, obviously) is bailing them out of hot water! B******t!!!


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    #148
    Solair
    Closed Accounts Posts: 7,230 ✭✭✭Solair


    Can everyone please start referring to the USC by pronouncing the letters. It sounds something along the lines of "You Suck"


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    #149
    cherryghost
    Moderators, Technology & Internet Moderators Posts: 17,132 Mod ✭✭✭✭cherryghost


    I lose between 30/40 a week on the USC. Working extra hours now does literally fcuk all to my end of week wages.


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    #150
    lmimmfn
    Registered Users Posts: 3,553 ✭✭✭lmimmfn


    cherryghost wrote: »
    I lose between 30/40 a week on the USC. Working extra hours now does literally fcuk all to my end of week wages.
    amen to that, i avoid extra work at all costs( unfortunately not always possible ), why should i work harder to give the government more money for banks than i get from the deal and its me who is working?


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