i think it will come down to when in the financial year you have your baby - if oyu have it early in the financial year, you're bette off going baby bonus as you'll get the higher level of ftbb for longer (as you'll have minimal income to reduce it) - if you have it late in the financial, you'll already have income, so ftbb will be reduced already, so you may be better off with the PPL. if we have another kidlet, i will have to seriously consider, based on EDD, what option is better for us. when DD was born last year) we would have been significantly better off the way we were (baby bonus) rather than PPL as i am getting max rate ftbb until i return to work...