What are student credits?
If you are over 18 and in full time education you may be entitled to student credits.
Student credits are when the Social Security Department credits your contribution record for you while you are in full time education. These credits protect your record and count towards benefits such as your pension.
Who can get student credits?
You can get student credits if:
- you are 18 or over
- you normally live in Jersey
- you are in full time education
How long can I be covered by student credits?
We can give you a maximum of 36 months credits throughout your working life. Studentship does not have to be in one period, it can be over a number of periods.
How do I apply?
You will need to complete the student credit application form. You can get one from our main reception or you can call us and we will send you one in the post.
You will also need to bring into the department:
- proof of studentship – for example; UCAS confirmation letter, letter of acceptance for a course, letter from college/university. If you are registered with Student Finance we can use this as confirmation.
Changes in circumstances
You must tell us immediately if you:
- leave full time education
- change address
- are no longer a Jersey resident.
Do I still have to pay contributions if I work while I am a full time student?
If you work 8 hours of more a week you will still have to pay social security contributions on any paid work that you do. You must show your registration card, together with photographic ID, to your employer. Class 1 contributions will then be deducted from your wages.
Do student credits cover me for any benefits?
Your student credits cover you for all contributory benefit such as pension, sickness and maternity but in order to receive payment for a claim you must also have contributed into the system through paid work for at least 3 months (6 months for pension) at some point before your claim.
What happens if I am in full time education for more than 3 years?
The credits stop at the end of 36 months. But the law still excuses you from paying contributions whilst you are in full time education. You may need to complete an Ordinary Small Income Exemption form to make you exempt from paying for the rest of the time you are in full time education.