Just wanting to know if I could get the CCR paid direct to the centre so I can pay less fees each fortnight but not get any CCB till I do a lump sum claim when it is tax time.
My income and Hubby's have so many variables so would hate to get it wrong so I would rather just get the rebate and then get any extra I'm entitled to in a lump sum.
yup - you opt for child care benefit at zero rate and child care rebate direct to centre
if you do this, you will get the entire ccr paid to the centre (50%) instead of having some witheld for tax time. if you are entitled to ccb at the end fo the year, you will have any ccr you have been overpaid (direct to the centre) deducted from the ccb top up
this is something often suggested as it's much easier to manage knowing your bill is halved, rather than trying to estimate
why would CCR be overpaid?
ccr is half of your out of pocket expenses
if you get no child care benefit, you get half of your total bill paid
so if your bill is $20, you get $10 paid
tax time comes around, you get your ccb. the calculation says you should have received $2 per day
so your bill should have been $18, your CCR only $9
so you get your CCB of $2 for the day, but you should have received $1 less CCR, so all you'll get in the bank is the extra $1
hope that makes sense - tried to use really simple numbers - it's far more complex, but essentially ANY CCB top up you're entitled to at tax time will be cut in half as you get 50c in the dollar CCR - so if you get $100 extra CCB at tax time, you will have been over paid CCR $50, and would get the difference ($50) paid to you
it's done this way rather than paying you the full CCB top up then raising a debt for CCR for half the amount.
Thanks heaps - you make it all sound so easy!! Wish the peeps I have spoken to in the past at centrelink made it sound so simple!!
Its not really complex of you look at it with simple numbers like I did. When you're looking at complex numbers it's not so fun!
SOrry to Hijack but this is like the question I have.:
If i'm not getting any FTB anymore it would be more than likely that my CCB is zero but I should still be eligible for CCR as we satisfy requirements.
If this is the case I can opt to have the CCR paid to the centre. So if my bill is $80 per day and CCR is paid to the centre, I would only be paying $40 per day?? Is this right or have i misinterpreted things the wrong way??? Does this work for FDC too???
If this is the case, then I might look at a centre for the girls rather than my current arrangements.
Yes that would be correct.
But i do think they put a little away for end if year, so the rebate will be a little under 50 %
Cat xox
Yes, so my centre is $73 a day but the centre only gets me to pay half so I pay $36.50. Then at tax time I will get back some more money from the childcare benefit
Is the bit they keep for Ccb or ccr though? If its Ccb I don't get that anyway.:
CCR I think!
I'll look into it :) worth asking questions :)
ftb and ccb thresholds are very different - you can be over the threshold for ftb adn still get some ccb - however, if you're not sure of income, or happier to have a clean calculation (like the 50% ccr) then yes, this is the way to do it
as long as both of you are working/studying/training you will get the ccr payment. if you opt to withold ALL ccb you may be entitled to until tax time, you get the FULL 50% CCR - up to the maximum amount per year (7500). if you receive ANY CCB payment through the year, your CCR is dropped to 42.5% of your bill, with the other 7.5% held until tax time, as a safety net. you will still be entitled to the same amount, but the timing of payment varies.
BG did they change the withheld amount? I thought it was 15%
it is 15% of your 50% entitlement - which makes it 7.5% of the total bill
for example, bill is $100, your CCR is 50% (so $50) - 15% of your $50 is withheld (so $7.5) - which is the same as 7.5% of the total bill
ETA - this means 42.5% of the bill is paid to the child care as your CCR (50% less the 7.5%)
Ahhh Gottcha
I think we would wait until tax time for any Ccb to make it easier.
Thanks BG. Just wanted to make sure I was understanding properly. Might have just solved my child care issues.... Now to try and find a nice place with vacancies....
Check my child.gov.au. You can find centres with vacancies that way. Can't help with the "nice" part though :)
I'm so confused now :( I've been given now 2 differings lots of information from 2 ph operators....:
When I called CL and asked the questioin....
My childcare cost are $68 p/d.
If I claim a zero % CCB, can I have the 50% CCR paid direct to the centre and put in a claim for any CCB I may have been entitled to at the end of the financial year. So effectively, each week I would be out of pocket $34. I was told, yes I can do this. Great!
So come today, I have trouble with on-line services and call CL to be told NO, you can't do, CL will only pay the 35% of the CCR to the centre through out the year and keep the rest until the end of the financial year. Not so great...
Now I don't know what to do.... I don't know the formula they use to work this out, now i'm concerned that based on the 2nd lot of info, I won't be able to afford CC. I'm so confused..
If I claim the CCB through the year and have the CCR paid to the centre, it's still doesn't work out....
ARGH! GRRR
the second lot of information is incorrect.
you have to register for ccb, but claim it at nil rate til end of year. given you are not currently receiving ftb, you may need to do this claim online
if you get ccb at nil rate (0%), you WILL get 50% of the bil paid each day, up to the max per year (7500 per kidlet).
you may have to pay the full bill the first week, and then get the credit from week one on the bill for week two, week two on week 3 etc - depends how the centre bill you
this thread has it all there, including links to the human services website, where you can see it all written down on official site to confirm it for yourself
BG if i go into an office and speak to someone can they help me lodge this? I have a headache trying to work it all out.
I read the website and it reads exactly how I had it in my head..... but i'm concerned that i will do the claim and still end up with this confusion...
no, the office staff will point you to a computer or a phone - they are there primarily for stuff that things like new claims and things. our local area has one of the highest rates of unemployment in australia, and, over the time i've been with c'link, has gone from 100 FT staff to less than 15
I've done it now. No idea if I've done it right and if I haven't I can't change it and will have to jut suck it up.
Not a reflection on u BG, I am just frustrated that by trying to do the right thing but being told conflicting things when I call and when I say I need help because I dont understand the wording etc is annoying. I work with young people everyday and its no wonder they lose payments or find it difficult to claim payments. As a grown woman I find it difficult o understand and navigate, it's no wonder they find it difficult.
I know they have a big job, but still, I need the correct info.
if there is any confusion with your application, they will call you when processing (i sit with the girls that process at the moment)
you can call up and have it noted on your file that you want ccb at nil rate and ccr direct to the service if you are concerned about the application being wrong - they will send notification to the processing team who will make sure those are the options put in place when they do your application