Can someone please explain CCB to me

I'm just trying to get some figures for future circumstances, I've never had to deal with child care benefits or rebates before and I'm really clueless!

I understand the rebate (50% of your out of pocket expenses back per quarter) but I'm struggling with the ccb part...

I've done the rate calculator on the centrelink website and it said my percentage will be 35.22

I'd like to know, based on family day care for 2 children 10 hours per day for 2 days per week using an estimate of $6 per hour. What would be my out of pocket expenses and how much would centrelink pay each week?

As I said, I'm really clueless :redface:, is anyone able to help?

TIA
Janine

I'm going to go off what I will be paying for Nina as of next week with family day care:
So for $6 p/h - assuming the hours are between 8am - 6pm = 6 x 10 (hrs) $60.00
60 x 0.3522 = $21.13 - CCB would pay
$38.87 per day - you pay
* add any other additional fees family day care charge that aren't payable by CCB *

The maximum CCB is something like (may not be exactly) 3.65 an hour, so your % is a percentage of 3.65

if your daycare costs $60 a day, for 10 hours - as above, your CCB will be .3522 x 3.65 x 10 = $12.85

So CCB pays $12.85 and you pay the rest.

Im not sure if the max hourly rate is higer for FDC than LDC, but I'm sure its not just a flat % of the hourly rate you pay, its less.

How it works is best described like a doctor and the scheduled fee - like most doctors charge above that scheduled fee, most centres charge over the hourly rate. Pandora has worked it out perfectly for you.
I am not sure whether family day care charge much more than the hourly rate or not.

yup, pandora's explanation is pretty good - it's a percentage of the maximum dollar amount that the government set down - all child care providers charge more than this. the website now gives a dollar amount as well as the percentage. it's not a percentage of the child care centre charges.