Shan you can lodge a claim online for FTB and baby bonus/paid parental leave 3 months prior to your EDD. The only way to know whether you are entitled to payments is to lodge a claim and have it assessed - the estimators are accurate, as long as you input accurate information. You will have to decide whether you will be better off claiming Paid Parental Leave or Baby Bonus - Centrelink cannot advise you which to claim. All the best! xx