Just wondering if anyone can clarify ( so as to avoid a lengthy phone call)

Received ftb a lump sum 2013/2014 tax year which means we can access dental scheme for kids from January 2015. This means between 2015 and 2016 kids can have $1000 dental funds access.



What if the 2014/2015 financial year then ends up being no ftb a lump sum due to higher annual income?

Where would that leave you in regards to accessing the dental scheme funds?