CHILD benefit is available to families with children and the amount you could receive depends on a number of factors including how many children you have and how much you earn.
Here we explain how it works, who is eligible, why you can’t get it with Universal Credit, and how to apply.
What is child benefit?
Child benefit is available to anyone with one or more children from the moment the birth is registered. The oldest child receives £20.70 per week and any subsequent children receive £13.70 per week.
If you or your partner earns more than £50,000 you may have to pay a tax charge in order to receive it which is called the ‘High Income Child Benefit Charge’.
For those whose gross earnings are between £50,000 and £60,000, the charge to receive child benefit is 1 per cent of the child benefit money you receive for every £100 you earn over £50,000. For example, if you or your partner earns £55,000 the fee would be 50 per cent of your child benefit.
If you or your partner receives £60,000 or more per year, the charge for receiving child benefit is the same as the total amount of child benefit you’re eligible for.
You can find out exactly how much you’re entitled to with the Government’s free child benefit charge calculator.
The money is paid every four weeks on either a Monday or a Tuesday into your bank account. In some cases, it can be paid weekly, such as if you’re a single parent or receiving other benefits such as income support.
If you decide not to receive child benefit, or if you’re not eligible for it, it is still worth filling out a claim form.
This is because child benefit can help you qualify for national insurance credits. These will count towards your state pension allowance and they protect your pension record so you do not have any gaps in your national insurance contributions.
To get the full state pension allowance, you’ll need national insurance contributions for 35 years – these can either be contributions you’ve paid from your salary or contributions which you are credited with, which is what happens when you claim for child benefit.
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Are you eligible for child benefit?
Only one person can get child benefit for a child, and they need to be responsible for the child aged under 16, or under 20 if they are in approved education or training.
The person responsible for the child usually pays for things such as clothes, food, and birthday and Christmas presents.
It is also available for those who adopt or foster children, as long as the local council isn’t paying anything towards the child’s accommodation or maintenance.
If you look after someone else’s child, you may also be able to claim for child benefit although two people cannot claim for it at the same time.
Can you get child benefit and Universal Credit?
You cannot apply for child benefit and Universal Credit at the same time. Therefore, if you live in an area of full-service Universal Credit you will need to apply for it instead.
To check if your area has full service Universal Credit, check the updated list on the Government’s website.
Universal Credit replaces a number of benefits, including jobseeker’s allowance, housing benefit, and income-related employment support allowance.
It is being rolled-out across the country and if you are already receiving child benefit the Department for Work and Pensions (DWP) will contact you when it’s time to make a claim for Universal Credit.
How can you apply for child benefit?
It takes up to 12 weeks to process a new child benefit claim and it can be backdated for three months.
To make a claim for the first time you’ll need to print and fill in the child benefit claim form CH2 and send this to the child benefit office (the address is on the form) along with your child’s original birth or adoption certificate.
To add an existing child to your claim, you will need to call the child benefit helpline number on
0300 200 3100, between Monday to Friday, 8am to 8pm or on a Saturday between 8am and 4pm.
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News Pictures Are you eligible for child benefit, what’s the application, and is it separate to Universal Credit?
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