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2.
Unemployed for 3 months during the year, JSA (C). Single APW
The gross wage is reduced by 1/4, that is by 4,175 GBP. The compensation is 49.15
GBP a week (rate for persons 25 years or more) and is paid for 6 days a week. There
is a waiting period of 3 days during the first week. Compensation for 13 weeks (3
months) is 13 x 49.15 - 0.5 x 49.15 = 614.37 GBP.
The gross compensation percentage is 614.37 / 4,175 x 100 = 14.7. The disposable
income of the APW is 10,111 GBP, when he or she is unemployed for 3 months
during 1997.
The decrease in disposable income compared to the situation without unemployment
is 12,500 - 10,111 = 2,389 GBP or 19.1 per cent.
3.
Unemployed for the whole year, JSA (C) and JSA (IB). Single APW
There is no gross wage. The compensation is 52 x 49.15 - 0.5 x 49.15 = 2,531.22
GBP. In this case (no net wealth and no other income) there is no difference between
JSA (C) and JSA (IB), cf. case 4.
The gross compensation percentage is 2,531.22 / 16,700 x 100 = 15.2. The dispos-
able income of the APW is 2,531 GBP (the personal allowance is larger than the
income), when he or she is unemployed for the whole of 1997.
The decrease in disposable income compared to the situation with no unemployment
is 12,500 - 2,531 = 9,969 GBP or 79.8 per cent. The insurance benefit can be supple-
mented with other benefits, e.g. compensation for housing expenditures.

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165
4.
Unemployed for 3 months during the year, not eligible for JSA (C) 
but for JSA (IB). Single APW
The reduction in gross wage is 4,175 GBP as in case 2. The compensation is calcu-
lated for a person 25 (or more) years old. The rate is 49.15 GBP a week (waiting
period of 3 days during the first week). Compensation for 13 weeks (3 months) is 13
x 49.15 - 0.5 x 49.15 = 614.37 GBP, just as in case 2. The difference is that the
income based (IB) allowance is means-tested, that is not the case for the contribution
based (C). With no net wealth and no other income there is no means-testing.
The gross compensation percentage is 614.37 / 4,175 x 100 = 14.7 The disposable
income of the APW is 10,111 GBP, when he or she is unemployed for 3 months
during 1997.
The decrease in disposable income compared to the case with no unemployment is
12,500 - 10,111 = 2,389 GBP or 19.1 per cent.