7+ 国民 保険 学生 Article
What is National Insurance?
National Insurance is a social security system in the United Kingdom that provides financial protection to individuals and families in times of need. It is essential for everyone who works or earns an income in the UK to pay National Insurance contributions to qualify for certain benefits and services.
Who is eligible for National Insurance?
Most individuals aged 16 or over who work or earn an income in the UK are eligible to pay National Insurance. This includes students who work part-time, have a work placement, or are self-employed. However, students who receive a grant or scholarship that covers their living expenses are exempt from paying National Insurance.
How much do students need to pay for National Insurance?
The amount of National Insurance contributions that students need to pay depends on their income. If they earn between £166 and £962 per week, they need to pay 12% of their earnings. If they earn more than £962 per week, they pay an additional 2% on their earnings above that threshold. However, students who earn less than £166 per week are exempt from paying National Insurance.
What benefits do students get from paying National Insurance?
Students who pay National Insurance contributions are entitled to certain benefits, such as the State Pension, Jobseeker's Allowance, and Maternity Allowance. They may also qualify for sickness and disability benefits, bereavement benefits, and other social security payments.
How can students pay their National Insurance contributions?
Students who work part-time or have a work placement usually have their National Insurance contributions deducted from their pay by their employer. Self-employed students need to register with HM Revenue and Customs (HMRC) and pay their National Insurance contributions directly to them.
Can students claim a refund for overpaid National Insurance contributions?
If students have overpaid their National Insurance contributions, they can claim a refund from HMRC. This may happen if they have multiple jobs or their employer has made an error in calculating their contributions. Students can claim a refund by completing a form on the HMRC website or by contacting them directly.
What are the consequences of not paying National Insurance?
Students who do not pay their National Insurance contributions may not be eligible for certain benefits and services. They may also face penalties and fines from HMRC for non-payment or late payment. It is essential for students to keep track of their National Insurance contributions and pay them on time to avoid any negative consequences.
Conclusion
Understanding National Insurance is essential for students who work or earn an income in the UK. By paying their contributions on time, they can qualify for certain benefits and services and avoid any penalties or fines. If students have any questions or concerns about National Insurance, they should contact HMRC or seek advice from a qualified professional.
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