Archive for November, 2020

Business Support during Covid- Updated Guide

Saturday, November 14th, 2020

Dear All

We have now updated our business support guide (becoming a rather frequent requirement!).

It would be worth throwing out the old one…. and have a read of this instead.

As ever, our focus is on supporting our clients, our staff, family, friends and the community.  If you have any questions please get in touch on 0141 887 7811.

CLICK HERE: – Autumn 2020 Business Support – Update 12112020


The Directors, Milne Craig

Are you eligible for Universal Credit?

Thursday, November 12th, 2020

What to do if you are placed in a financial position where you do not have sufficient income to meet your monthly outgoings and you are unable to find work to plug the gap.

The main government assistance for those who find themselves in this position is to register for Universal Credits.

The following notes from the GOV.UK website may help you decide if you are eligible to make a claim.

You may be able to get Universal Credit if:

  • You are on a low income or out of work
  • You are 18 or over (there are some exceptions if you’re 16 to 17)
  • You are under State Pension age (or your partner is)
  • you and your partner have £16,000 or less in savings between you
  • you live in the UK


The number of children you have does not affect your eligibility for Universal Credit, but it may affect how much you get.

You should use the benefits calculator on the GOV.UK website to check what other benefits you could get if you are not eligible for Universal Credit.

If you live with your partner

Your partner’s income and savings will be considered, even if they are not eligible for Universal Credit.

If you are 18 or over and in training or studying full-time

You can make a new Universal Credit claim if any of the following apply:

  • you live with your partner and they are eligible for Universal Credit
  • you are responsible for a child, either as a single person or as a couple
  • you are disabled and entitled to Disability Living Allowance (DLA) or Personal Independence Payment (PIP) and have limited capability for work
  • you are in further education, are 21 or under and do not have parental support, for example you’re estranged from your parents and you’re not under local authority care

If you are 16 or 17

You can make a new Universal Credit claim if any of the following apply:

  • you have limited capability for work, or you have medical evidence and are waiting for a Work Capability Assessment
  • you are caring for a severely disabled person
  • you are responsible for a child
  • you are in a couple with responsibility for at least one child and your partner is eligible for Universal Credit
  • you are pregnant and it’s 11 weeks or less before your expected week of childbirth
  • you have had a child in the last 15 weeks
  • you do not have parental support, for example you’re estranged from your parents and you are not under local authority care


You can also make a claim if you’re in full-time further education and any of the following apply:

  • you do not have parental support
  • you have limited capacity for work and you’re entitled to Personal Independence Payment (PIP)
  • you are responsible for a child
  • you are in a couple with responsibility for a child and your partner is eligible for Universal Credit

If you’re in a couple and one of you is State Pension age

You and your partner can claim Universal Credit as a couple if one of you is under State Pension age and eligible for Universal Credit.

When you both reach State Pension age your Universal Credit claim will stop.

You may be able to apply for Pension Credit or other benefits as a couple when your Universal Credit stops. Ask your Jobcentre Plus work coach what else you could be eligible for.

Government financial support extended

Monday, November 9th, 2020

Government financial support for UK businesses affected by the COVID pandemic have been extended in the past week. Thankfully, relief for employees of affected companies and the self-employed have been announced in tandem. A short summary of the main changes follows:

Coronavirus Job Retention Scheme (CJRS)

This furlough scheme will now be extended until the end of March 2021. Details released 5th November 2020 are:

  • Government will cover 80% of hours not worked up to a maximum of £2,500 per person per month. This percentage support may be flexed for February and March 2021 when employers may be asked to contribute.
  • Any grants paid must be passed on to the relevant employee in full.
  • The previous flexibility to allow employees back part-time will continue until December.
  • Employers will only be asked to cover National Insurance and pension costs and wages for time worked. Importantly, they will NOT be required to contribute to hours not worked but they are free to make top-up payments at their discretion.

Which employers/employees can claim or be eligible for this extended support?

  • All employers with a UK bank account and a UK PAYE scheme can make a claim.
  • There is no requirement that employers or employees have made previous claims for CJRS support.
  • Employees must be on employer’s payroll before midnight 30 October 2020.

Previously announced Job Support Scheme (JSS)

As the furlough scheme is now extended to the end of March 2021, This new scheme will be deferred until the extended furlough scheme ends, presumably 31 March 2021.

The Job Retention Bonus

This bonus of £1,000 per employee retained January 2021 will no longer be paid as the furlough scheme now extends to 31 March 2021. However, the Chancellor has hinted that this bonus may be reintroduced when the extended furlough scheme ends.

The Self Employed Income Support Scheme (SEISS)

The Chancellor has announced a corresponding increase in financial support for the self-employed to mirror the benefits of the extended furlough scheme.

For the period November 2020 to 31 January 2021, SEISS support will be 80% of average trading profits capped at £7,500.

The previous eligibility criteria will still apply.

Additionally, SEISS grants will be paid faster. The claims window will open at the end of November rather than the middle of December. This will provide much needed funds for the self-employed before Christmas.

There will be a further SEISS grant for the period 1 February 2021 to 30 April 2021. The amount for this period should be announced January 2021.

Government backed loan schemes

The deadline for submitting applications for government backed loans has been extended to 31 January 2021.

Sunak – More Furlough – Update 5th Nov

Friday, November 6th, 2020

Dear All,

No sooner had we caught up with the weekend’s changes to extend furlough for a month, than the Chancellor extended this to March – so we have quickly published a summary- click here:

5th Nov Update Supplement

Also, we expect fuller details from the Treasury/HMRC next week, and will republish our business guide (which is in the news thread in our website) again after 10th November.

Meanwhile, the team are here to help – just email or call.

The Directors, Milne Craig

Get ready for end of EU transition period

Thursday, November 5th, 2020

Government have recently promoted their online webinars that aim to support businesses who will be affected by the end of the EU exit transition period, 31 December 2020.

Here’s what the Department for Business, Energy and Industrial activity have to say:

Over 3,000 people have attended government webinars to help them get ready for the end of the transition period, with 86% of those polled saying they would take action to prepare their business as a direct result of the sessions.

With just 63 days to go till the UK begins its new start outside of the EU single market and customs union, the Business Secretary Alok Sharma is encouraging businesses across the UK to sign themselves up for a webinar to help them prepare for the changes and opportunities ahead.

This second phase of webinars – which will run throughout November – will cover key issues that could affect businesses in multiple sectors, including personal data, and regulations on manufactured goods.

To register for the webinars go to

You can also obtain targeted advice on what you may need to do before the end of the year by completing the online questionnaire at

A final word from government:

When the transition period ends on 31 December 2020, there will be a guaranteed set of changes and opportunities for which businesses need to prepare as the UK leaves the customs union and single market, including changes to the way businesses import and export goods, and the process for hiring people from the EU.

Use the links in the above post to ensure you are fully informed.

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