It looks like I'm about to go in to Stage 4 (FND) but although I am claiming JSA in stopped 6 moths ago because my wife earns too much. I'm fully paid up on NI contribution (30 years) so that doesn't matter. I do claim travel cost under the Travel to Interview Scheme.
The reason I'm still signing-on and claiming for something with no benefit is that it is a requirement of the insurance I have which is now paying the mortgage.
I am concerned that, under FND, I will either be forced in to a low paid job so the provider gets their payment or that I am subject to sanction which will cause my insurance to cease.
Either way I'd then be a burden on the State which at the moment I am not.
Screwed both ways unless I can convince JC+ that I have "good cause" not to go on FND.
Any suggestions?