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OPF and working

  • 15-03-2015 9:28pm
    #1
    Registered Users, Registered Users 2 Posts: 17


    I'm currently working and recieving a reduced rate of OPF. My hours vary weekly as some weeks have little hours and others could have quite a few. Im now being giving a full week, after several weeks working full time hours. Will I be penalised by social welfare when I go in to advise them of this after the last few weeks or what will happen? Am unsure if will lose extra or if I should simply switch to Fis. ANy advice is greatly welcome


Comments

  • Closed Accounts Posts: 1,380 ✭✭✭haveringchick


    I'm currently working and recieving a reduced rate of OPF. My hours vary weekly as some weeks have little hours and others could have quite a few. Im now being giving a full week, after several weeks working full time hours. Will I be penalised by social welfare when I go in to advise them of this after the last few weeks or what will happen? Am unsure if will lose extra or if I should simply switch to Fis. ANy advice is greatly welcome

    If your going to earn less then 425 then subtract 90 from your wages then divide that figure by 2.
    Subtract that figure from your OPFP.
    Add your new lone parent amount to your wages subtract that figure from the FIS limit for you then get 60% of that.
    That would be your FIS payment.
    You can get FIS and OPFP.


  • Registered Users, Registered Users 2 Posts: 244 ✭✭Golfwidow


    My daughter is also on OPFP with one child, no partner but living at home with us, her parents. She has started a new job where she will earn €435 gross a week. Revenue have been contacted and Social Welfare will be contacted this week. Is she still entitled to some OPFP? How can she work out if she is entitled to FIS? And what about this new Family Dividend Payment? Thanks in advance for any answers. We are really confused!


  • Closed Accounts Posts: 1,380 ✭✭✭haveringchick


    Your daughter is outside the means for OPFP.how many children does she have?
    Sorry I see she has 1.
    She has to apply for the Dividend. She will keep €29.80 of her payment for 12 months and 1/2 that for a further 12 months.
    Her FIS will be
    506 -
    435
    X 60%.
    Apply for both dividend and FIS on commencement of work. The dividend is not payable till 15 April but will be backdated.


  • Registered Users, Registered Users 2 Posts: 2,758 ✭✭✭eastbono


    FIS is calculated on nett earnings. If she is in receipt of maintenance this will also be taken into account for FIS.


  • Registered Users, Registered Users 2 Posts: 244 ✭✭Golfwidow


    Your daughter is outside the means for OPFP.how many children does she have?
    Sorry I see she has 1.
    She has to apply for the Dividend. She will keep €29.80 of her payment for 12 months and 1/2 that for a further 12 months.
    Her FIS will be
    506 -
    435
    X 60%.
    Apply for both dividend and FIS on commencement of work. The dividend is not payable till 15 April but will be backdated.

    Thanks for your help havering chick, but am I missing something? Let's look at 2 scenarios:
    SCENARIO A: If my daughter was to earn less than €425 with a gross salary of say €424 - she would also be entitled to reduced OPFP every week if you follow these calculations: €424 - €90 = €334
    Divide that figure by 2 = €167. Then subtract that figure from OPFP (€217.80) = €50.20 (reduced OPFP). Therefore the weekly wage would be €424 + €50.20 + FIS (€19.08) = €493.28.

    SCENARIO B: However she is to earn a gross salary of €435 (outside the means for OPFP), she will therefore earn €435 + 60% of €506 (FIS limit) - €435 = €477.60. That's a difference of €15.68 !!

    The new family dividend payment due in April 2015 will add €29.80 per week for all OPFPs getting into the workplace but what I am really concerned about is that my daughter will have less money in her hand because she earns above the €425 threshold to keep some of her OPFP??
    Can anyone shed some light on this please??


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  • Registered Users, Registered Users 2 Posts: 244 ✭✭Golfwidow


    If it helps anyone else out there and in part half answering my own dilemma - I've just been on the citizens information website - http://www.citizensinformation.ie/en/social_welfare/social_welfare_payments/social_welfare_payments_to_families_and_children/back_to_work_family_dividend.html
    where in regard to the new Family Dividend Payment, it is stated that: "You must sign off your social welfare payment (other than Family Income Supplement and Child Benefit) for one of the following reasons ..."
    And that includes "Taking up employment".
    Therefore back to my own "SCENARIO A" this family dividend would not be paid to someone still getting any OPFP whereas the "SCENARIO B" worker will qualify for family dividend as they are no longer getting OPFP.


  • Closed Accounts Posts: 1,380 ✭✭✭haveringchick


    Your daughter could not get family dividend, OPFP and FIS. 3 SW payments is a bit OTT on top of a week's wages.
    Also if she was working and in receipt of OPFP and applied for FIS then the OPFP would be taken into account for the FIS calculation making your scenario b calculation incorrect.
    Family dividend is not taken into account.


  • Registered Users, Registered Users 2 Posts: 244 ✭✭Golfwidow


    Your daughter could not get family dividend, OPFP and FIS. 3 SW payments is a bit OTT on top of a week's wages.
    Also if she was working and in receipt of OPFP and applied for FIS then the OPFP would be taken into account for the FIS calculation making your scenario b calculation incorrect.
    Family dividend is not taken into account.

    Yes - I could see that. Of course 3 SW payments would be extremely OTT!! I only want my daughter to get what she is absolutely entitled to - nothing more and nothing less. She will be a taxpayer again, thank goodness and really does not want to have to rely on any social welfare asap. Starting work again with a 2 year old child isn't easy but she knows it's in best interest of herself and child. Her education and career was interrupted by an unplanned pregnancy and an ill premature baby. Thankfully she now has the opportunity to work again.She is also going to study a degree at night - so won't be easy but you've got to work to get on in life.

    Having also had to work my whole life myself (with 3 kids) - still working - it angers me as a tax payer to see some young parents who don't try to get out of the social welfare cycle and simply take from the state coffers ad infinitum!! There are supports and programmes out there - use them guys - don't abuse them!! Too many people simply expect unending handouts!!
    I'm happy for my own daughter to have what she is entitled to in order to facilitate her contribution to society and making a good life and future for herself and child. If my tax is used to support those with my daughter's attitude- I say fair play. I just wish there were less 'dependency' and abuse of our SW systems. It's not just the banking crisis that has us paying such high taxes!! Thanks again haveringchick for your reply!!


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