Actions on... Redundancy, Self-employment, injury

#1
Having been employed for 31 years with the same company, after a year unemployed following polytechnic, I was made redundant last week. For the last week I've been (very) slow-timing through various bits of admin, finishing off a book and generally been a bit of a nuisance about the house. It's got to stop soon or I'll get used to it and ultimately end up skint.

What should I be doing now? Should I be registering unemployed somewhere? Do I have to wait a while before I can register unemployed, bearing in mind that I've had a redundancy payment?

My firm has contacted me and suggested that there could well be some work that they'd like to offer me, rates to be finalised, while I'm in a state of limbo. A condition is that I become self-employed and therefore become responsible for my own tax and National Insurance. This is something that I don't have much clue about, having left that to the bean counters in the Payroll Department. Bearing in mind that this suggestion was made a little bit more than wistful thinking a couple of hours ago, I've not really started researching the concept, but I gather that pensions and sickness start to creep into the equation. WTF is "additional State Pension" for example? I've been paying into a company pension scheme for over 25 years and am aware that I opted out of something to do with State Pension at some stage. Am I automatically opted back in now that I no longer work for the company and payments into the pension scheme have ceased?

The work isn't likely to be anything like full-time, maybe a few days per week and maybe weeks without work (though there is a potential for prolonged employment during the Olympics, when most of the staff have booked longer-than-usual leave, and afterwards, when the company realises that they've just got shot of the only person they had who could work independently in a specialised field that is going to be in big demand). I'm tempted to go for it, not only to keep some pennies going into the bank, but also to maintain contacts that could land me a permanent job.

I still haven't decided in which direction I want to go in the job market. There aren't many firms around that do the range of work that I used to do. I could go freelance but I'd have to severely narrow the range of services that I'd offer, if only because of the cost of equipment. Or I could go for a complete change - any good apprenticeships for someone in his mid 50s, anyone?

There's an added complication to all this. A couple of months ago, I played a starring role in a Reportable Incident and my back hasn't yet recovered. This doesn't exactly make me a saleable property at the moment and I'm reluctant to look for work until it settles (I have an idea that if I apply now, not only will I be turned down, but it'll also reduce my chances if I subsequently re-apply). The firm I worked for is obviously aware of the injury, so the work offered should take account of my inability to lift stuff. Having said this, during my closing weeks (before the termination date was known), they did push the boundaries a bit far a few times. At that time I wasn't overly concerned given that if I couldn't work, they wouldn't be getting fees, but I'd still get paid. Now I'd have to be a bit more forthright about which jobs I'd take on.

So I'm asking for advice from those in the know. What should I be doing now? Is turning self-employed a good move to pick up some short-term and certainly non-lucrative pay or does it have consequences that could outweigh the benefits? Would I need to engage an accountant? Beyond claiming compensation and trying to get my GP to do something more than issuing painkillers, is there anything I should be doing in relation to my injury?

All help will be much appreciated because I'm in unknown territory. I don't have a map but I'm aware that I have to avoid some place called Shit Creek because I haven't got a paddle.
 
T

Tremaine

Guest
#4
Jarrod's right, have a holiday and use your free time to relax while considering what you really want. Don't panic. It looks as if you're in a good position at the moment. When you get back, register on a few job sites like civvystreet.org Home if you're ex Mob, and Monster. One step at a time.
 
#7
Thanks Tremaine. One of the problems I'll have with finding employment is job title/description. Mine means nothing outside of the company as it involves quite a lot of lots of skills, but not enough of an individual one to qualify for a paper qualification. At least, that's what I think at the moment but I'm going to check around. The buggeration factor is that one of my company's rivals rate their equivalent job at MSc level (and they don't do a tenth of the range) and I wasn't encouraged to get the qualification "because you'll embarass the lecturers". (I was involved in writing some of the standards that led to the course being created - ironic or what?).

The civvystreet link looks very useful. I wonder if I'll get preferential treatment because I worked on their building in advance of them moving in...
 
T

Tremaine

Guest
#8
Alrighty then . Chill, shag, drink, sleep. Repeat. Then get stuck in. Fcuk protocol and bits of paper, it will be your rules. Off you go.
 

jarrod248

LE
Gallery Guru
#9
Thanks Tremaine. One of the problems I'll have with finding employment is job title/description. Mine means nothing outside of the company as it involves quite a lot of lots of skills, but not enough of an individual one to qualify for a paper qualification. At least, that's what I think at the moment but I'm going to check around. The buggeration factor is that one of my company's rivals rate their equivalent job at MSc level (and they don't do a tenth of the range) and I wasn't encouraged to get the qualification "because you'll embarass the lecturers". (I was involved in writing some of the standards that led to the course being created - ironic or what?).

The civvystreet link looks very useful. I wonder if I'll get preferential treatment because I worked on their building in advance of them moving in...
Nurse knows best.
 
#11
FFS the company has fired you after 31 years with them but are generous enough to offer you a bit of freelance work. ??
If you are good for freelance work, why did they sack you in the first place?

Sounds to me like it was a cost-cutting measure and they have now realised that was a bit of a booboo, and it is now them and not you who is up the proverbial creek without a paddle.
 
#12
#14
I suggested that to the missus, along with Ascension. I was prepared for the turn-down on FI but was quite surprised when she also turned down Ascension, what with the empty beaches etc. I've got a (civvy) AI driving licence, you know. Probably needs renewing, though, as I got it 27 years ago. No, we're probably going to visit another of my Annual Camp locations. We've done Soltau (Heide Park, that is, not the training area) and Gibraltar. Most probably Hong Kong then, leaving Cyprus and Naples for another time.
 
#15
FFS the company has fired you after 31 years with them but are generous enough to offer you a bit of freelance work. ??
If you are good for freelance work, why did they sack you in the first place?

Sounds to me like it was a cost-cutting measure and they have now realised that was a bit of a booboo, and it is now them and not you who is up the proverbial creek without a paddle.
Let's just say that it came as a bit of a shock to the heads of the department that I was in, especially as they were already understaffed. Maybe someone calculated that losing me could pay for two youngsters but neglected to factor in experience? I don't know.

It's like the fabled invoice: "Fitting new component, 1 hour at £25/hour. Knowing which component to fit, £250. Total £275"
 

Wordsmith

LE
Book Reviewer
#16
Having been employed for 31 years with the same company, after a year unemployed following polytechnic, I was made redundant last week.
There are procedures for making people redundant - the first question I'd ask is were they followed. Specifically, they have to show the process of selecting you for redundancy was fair and there were no alternative jobs available for you.

What should I be doing now? Should I be registering unemployed somewhere? Do I have to wait a while before I can register unemployed, bearing in mind that I've had a redundancy payment?
You can register as soon as you like - your benefits will start as soon as you've reached the end of your notice period. You redundancy payment should be a weeks wages for every year of service up to 12 years - so you should have walked away with a minimum of 3 months wages.

From memory, you only get partial benefits if you have over £8K of saving and none if you you have over £16K

My firm has contacted me and suggested that there could well be some work that they'd like to offer me, rates to be finalised, while I'm in a state of limbo. A condition is that I become self-employed and therefore become responsible for my own tax and National Insurance. This is something that I don't have much clue about, having left that to the bean counters in the Payroll Department.
If the work is predictable and will leave you better off than unemployment benefit take it - if its only a day a fortnight, leave it. You'll also have to look at how it will affect your entitlement to benefits - it can be a problem if you're perpetually signing on then signing off. Go ask your local job centre for guidance.

I still haven't decided in which direction I want to go in the job market. There aren't many firms around that do the range of work that I used to do. I could go freelance but I'd have to severely narrow the range of services that I'd offer, if only because of the cost of equipment. Or I could go for a complete change - any good apprenticeships for someone in his mid 50s, anyone?
If you have a decent set of skills you should be OK - the people having problems getting back into work are those who're only qualified for unskilled labour.

There's an added complication to all this. A couple of months ago, I played a starring role in a Reportable Incident and my back hasn't yet recovered. This doesn't exactly make me a saleable property at the moment and I'm reluctant to look for work until it settles (I have an idea that if I apply now, not only will I be turned down, but it'll also reduce my chances if I subsequently re-apply).
If the reportable accident was at your place of work, was the company at fault? If so, you could consult a 'no-win, no fee' lawyer.

If you're back is going to be a problem, try signing on as disabled for a while (slightly higher benefits). Most companies are a little wary of taking someone on with an existing injury in case it worsens and they get the blame for it.

So I'm asking for advice from those in the know. What should I be doing now? Is turning self-employed a good move to pick up some short-term and certainly non-lucrative pay or does it have consequences that could outweigh the benefits? Would I need to engage an accountant? Beyond claiming compensation and trying to get my GP to do something more than issuing painkillers, is there anything I should be doing in relation to my injury?
Basis self employed is simple - you can fill in an on-line tax return. (I used to do it for a friend of mine). It gets more complex if you have masses of travel and expenses. If you do the bulk of the work yourself, you might end up forking out £500 for an accountant to check your only claiming legitimate travel, etc. But its not rocket science.

All help will be much appreciated because I'm in unknown territory. I don't have a map but I'm aware that I have to avoid some place called Shit Creek because I haven't got a paddle.
Have a look here.

reed.co.uk - Career advice from the UK's #1 Jobsite

Don't use any of the paid links, but there's some good basic advice here. Also search the available jobs to see what's available and what its paying.

Get yourself down to the nearest large library as well. Tell the librarian you've just been made redundant and ask her to show you what resources are available. There should be books on writing CVs, etc, trade directories and newspapers to leaf through.

Good luck and hang in there.

Wordsmith
 
#17
I'd sign on straight away. You probably won't be entitled to anything, but at least you'll be on the system. I left it 'til the money ran out because a) I thought I'd find work easily enough, and b) I didn't like the idea of being a welfare scrounger. I then found it took over two months to get sorted and get any payment through.

On the work side of things, it's good to keep your hand in and maintain contacts. I have one definite contract and three possible jobs coming up all of which have come through contacts and not the hundreds of applications I've submitted. If you do go back consulting with your old firm, don't forget to rape them for money :twisted:

Signing on I'd do now, the rest can wait until you're replenned after your hols :biggrin:
 
#18
Be aware of the overwhelming desire to commit mass murder after visiting the dole office to be told that you're entitled to the square root of **** all, whilst listening to the work shy retards that frequent the place getting all the benefits under the sun paid for by your very own taxes.


Sent from my iPad using ARRSE app 'cause I can.
 
#19
Be aware of the overwhelming desire to commit mass murder after visiting the dole office to be told that you're entitled to the square root of **** all, whilst listening to the work shy retards that frequent the place getting all the benefits under the sun paid for by your very own taxes.


Sent from my iPad using ARRSE app 'cause I can.
Things haven't changed then? I recall having to turn up at 10:00 every Monday morning to be told at 12:30 that as I'd been working at the TAC, I wasn't entitled to any payment. Furthermore, everybody around me only had to turn up every six weeks because they weren't declaring earnings. It meant that I was losing a day's pay every week just to stay on the register - and after a year, they'd sent me precisely zero job interviews. Still, I suppose it was good to get an afternoon off. (That was 1980/81)

By God, those were desperate times - I nearly went Regular. And then where would I be now? Probably wearing a top hat and tails, stood in some hotel entrance, probably...
 
#20
It was a never ending circle of me being awkward. After initially signing on and being told that due to my Mil pension that I was entitled to claim for nothing I spiraled into a cloud of despair. Thankfully after 2 weeks I was offered a job but had to remain signing on in order to keep square with my NI contributions. It took me 3 months to start work due to security clearances etc etc and the dole bastards kept asking the same old questions;

"Have you applied for work?"

"No."

"we'll stop your benefits if you don't apply for work.."

"Crack on, you don't give me anything to stop so fill yer boots."

"errr, errr, errr I'll get my supervisor"

This happened every Other Tuesday for 10 weeks. They're absolutely clueless. Sadly, I had to watch my pension lump sum and savings disappear just to keep my head above water. I used to take great pride in going to sign on in my poshest designer clobber just to make the creatures behind the desks feel inadequate. If I never have to go into Redcar Job centre again it'll be too soon.


Sent from my iPad using ARRSE app 'cause I can.
 

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