So, I'm leaving this incredibly late. DD starts daycare on Tuesday and I thought I'd registered for CCB but apparently not. Now I'm being asked if I want it as reduced fees or a lump sum.

On the one hand, paying less cash each week would be nice, but on the other hand we can probably afford more each week and we probably wouldn't notice the saving much. A lump sum would be a more noticeable benefit y'know?

What do you do and why?

Sent from my GT-P7510
Regardless of whether you opt for reduced fees or a lump sum at tax time, you still need to register your child with the FAO - they need to be assessed for CCB. You can tell them you want to receive no benefit and it will come up as 0% CCB with the centre. If you don't have them assessed, you won't get CCR either.