Is your child care costing you more than it should?

Apologies for the hiatus, but our day care arrangements are changing and our house is in a state of chaos.

However, we break from this personal hiatus to share some important information all working mums need to know, and potentially do something about, before the 30th of June.  Yep, that’s in a few days ladies.

DID YOU KNOW ALL MUMS WHO WORK OR STUDY MORE THAN 15 HOURS A WEEK ARE ELIGIBLE FOR CHILD CARE SUPPORT?

Not just those who earn below a certain level of income.

Not just those who receive Family Tax Benefit.

All of us.

If this is new information to you, and you had kids in care in between July 2009 and June 2010, you have only a few days to get your forms into the Family Assistance Office because you can get the money retrospectively, but only for two years.

If your children started care more recently and you’re not claiming the rebate, you have a bit longer to get everything in order, but it’s still a good time to get your finances in order and claim all you can.

Here are the facts you need to know.

  • The Child Care Tax Rebate is not means tested. You have to be working, studying or training to qualify but you can get up to $7500 per child per year regardless of your income.  Verification of this from a government website is here.
  • The other form of support, the Child Care Benefit is designed as what the government calls an ‘equity measure’, in that it is designed to help people who need the financial help most.  This one is only available to families on incomes up to around $160,000.  You can read more about this one here.
  • For both forms of care, long day care, family day care and outside school hours care and occasional care all qualify but any informal care (grandparents, nannies or babysitters) doesn’t.
  • You can get the form for both forms of support from the Family Assistance Office (located in Medicare offices).

There is an online process, but you need to know things like your CRN number.   If you don’t know what a CRN is, or whether you have one, I’d suggest an in-person visit.  Personally I found the website incredibly clunky and unfriendly, and I like my local Medicare ladies, so I gave up and went into the office where all of my questions could be answered and my form received with confidence.

They even gave me a little receipt that is pasted on our fridge until they process my form.

The form itself is pretty straightforward and took about 15 minutes to fill out.  You need to know things like your Medicare numbe, bank account details and passport details if any of you have travelled overseas lately.

Working mums work really hard, and many of us are also responsible for managing the household finances and general administration as well as our paid job and the mum job, but the benefit of adding this one to your To Do list is that it has the potential to make you money.  And hopefully make paying that heating bill just a little bit easier 🙂

Kirsten

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2 responses to “Is your child care costing you more than it should?

  1. Pingback: Medicare to abolish cash payments. Should we be concerned? | workingmumsaustralia

  2. Pingback: Kevin’s Rudd’s plans on before and after school care – the details | workingmumsaustralia

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