CCB

Does anyone know how this works? The child care centre here is $60 a day per child, i have rang centrelink and they have said i qualify for 91.65% rebate, i have rang the child care centre again but the lady who takes care of all that isnt in for the next couple of days. How much roughly would it be that i would be out of pocket?

BTW - im studying Div 2 this year so will be at tafe part time

I think i'm on about 85% rebate, and our fees are between $28 and $30 for each kid (for some reason I pay more for DS than DD1)

So will be less than that if that helps.

I just worked ours out on the online estimator. You put in your details, esstimated annual income,child care fees, and it works out your percentage and tells you how much CCB you are entitled to :)

the ccb estimator on the c'link website does this calculation for you (so go to c'link, search for estimators, and then run the child care one)
put in your estimated income for the year
the details of the child care centre (cost and type per day) and how many days per week you're going to be using care
it will give you the percentage as well as actual costs


now, to the nitty gritty
the government treats child care much the same way as a visit to the doctor
with the quack, you have the amount medicare deem to be the maximum they'll pay, and then you have your "gap" fee
with child care, there is a maximum amount per hour that is paid (about 3.60 from memory) and then the gap to make up the balance

so, if your child care charges $60 for a 12 hour day (this is pretty average) - they are charging $5 per hour

automatically, you will be paying, out of pocket, the difference between the maximum amount the government pay (3.60) and the amount charged (1.40)
then your ccb percentage comes into it. with your 91.65%, you will get 91.65% of the 3.60 paid by the government, and you have to pay the other 8.35%
so 8.35% of 3.60 is 30c
you add that onto the 1.40 "gap" giving you 1.70 an hour that you have to pay. over a 12 hour day, that would come up to 20.40 per day

now, i'm working on memory for the ccb maximum (it might be 3.65, might be more), and am assuming that it's a 12 hour day you're being charged for - some charge for 11 hours - so all the numbers here are examples, not actual! but hopefully that will help you a little to understand

Thanks ladies! So hard trying to figure it out and if im going to be able to afford it so i can do the course!

Thanks BG for the specifics makes it so much easier to understand xox