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L'înformâtion et les sèrvices publyis pouor I'Île dé Jèrri

Student credits for people over 18 in full-time education

Social Security and turning 18

When you turn 18, you need to pay Social Security contributions if you’re working.

These contributions are payments which go towards any benefits you may need in the future, such as:

  • your pension 
  • maternity allowance 
  • sickness pay 

Student credits

While you are in full-time education you can apply for student credits, which protect your contribution record. This means that you don’t have to pay contributions, but you’ll still be able to claim certain benefits when you need them.

About contributions 

Who can get student credits

You can get student credits if:

  • you’re 18 or over
  • you live in Jersey when you’re not at university / college
  • you’re in full-time education

How to apply

After you’ve had your place at university or college confirmed, complete the student credit application form. 

You can get one from our main reception at Social Security, or call us and we’ll send you one in the post.

You’ll need to bring your form into Social Security along with proof of studentship, for example your:

  • UCAS confirmation letter
  • letter of acceptance for a course
  • letter from college / university etc
  • degree certificate (if we’re backdating your credits)

How long you can be covered by student credits

We can give you up to three years’ worth of credits throughout your working life.

Your studentship doesn’t have to be over one specific period. It can be spread out over a number of periods, over different years.

If you are in full-time education for over three years

Student credits stop at the end of three years. However, you are excused from paying contributions whilst you are in full-time education.

If your university or college course is longer than three years, let us know. You may need to complete an Ordinary Small Income Exemption form. This will make you exempt from paying for the rest of the time that you’re in full-time education.

If you work while you’re a full-time student

If you work eight hours or more a week, you’ll still have to pay Social Security contributions on any paid work that you do.

You must show your registration card and photographic identification to your employer. This means that Class 1 contributions will be deducted from your wages.

Student credits covering you for benefits

Your student credits cover you for all contributory benefits, such as:

  • your pension
  • sickness pay
  • maternity allowance

In order to receive a benefit, you must have contributed into the system through paid work for at least three months (six months for pension), at some point before your claim.

Changes in circumstances

You must tell us immediately if you:

  • leave full-time education
  • change address
  • are no longer a Jersey resident


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