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â¢ Insured Earnings is the earnings as. described in your policy and used to. calculate your employeeâs benefits. â¢ It can vary depending on the definition. you choose for each eligibility group. â¢ Changes to insured earnings become. effective at the Insured Earnings.
Company directors pay based on an annual earnings period, and people who have opted out of the State pension pay lower rates. Class 2 National Insurance is paid by anyone with self-employed earnings over a lower earnings threshold, which is Â£5,965 in 2015-16.In most cases it is payable at a standard rate of Â£2.80 per week. Class 4 National Insurance is also payable by self-employed earners.o that a person with earnings from both an employment and self-employment does not pay considerably more NI than a person who has a similar level of earnings but from only one employment, the Class 4 NI payable is sometimes restricted.