+ Reply to Thread
Results 1 to 7 of 7
  1. #1
    Join Date
    Jun 2012
    Location
    Canberra
    Posts
    2,645
    Thanks
    1,036
    Thanked
    863
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts

    Default CCB/CCR question

    So we've been put on the maximum rate of CCB (100%) due to really low income at the moment. DS is about to start a new daycare for 2 days per week. They've sent me the first statement and it says 100% CCB so that's fine and CCR taken off too (it's all paid straight to centre) but wouldn't that make the fees we pay zero? There's still $13 something per day owing. I know it's not much when full fees are $78 per day but wasn't planning on having the extra expense per fortnight until our income recovers.

    Does that sound right or should it be zero? TIA

  2. #2
    Join Date
    Jul 2011
    Location
    Melbourne
    Posts
    5,005
    Thanks
    1,052
    Thanked
    3,524
    Reviews
    1
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 postsAmethyst Star - 5,000 posts
    Doesn't that just mean you get the maximum CCB benefit available? All centres charge different fees so unless the centre only charges the same/maximum amount you could be entitled to for CCB, there would still be a difference that you would need to pay.

    Never heard of free childcare (in this country).

  3. #3
    Join Date
    Jun 2009
    Posts
    4,109
    Thanks
    1,604
    Thanked
    2,085
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    No there should be a breakdown on the statement of what the CCB and CCR are.

    CCB will vary depending on the hours they charge out per day but is generally 50-something dollars a full day.

    So $78 - (eg) $52 = $26

    CCR is a rebate of 50% of out of pocket, in this case 50% of $26 = $13

    Hope that all makes sense, basically unless the centre charges out at a rate the same as the CCB (which none do!) you will always pay some out of pocket.

  4. The Following 2 Users Say Thank You to Stretched For This Useful Post:

    Bond Girl  (26-08-2014),peanutmonkey  (25-08-2014)

  5. #4
    Join Date
    Apr 2013
    Posts
    429
    Thanks
    43
    Thanked
    70
    Reviews
    0
    The CCB ( in your case 100%) means you get that portion of the 'scheduled fee'. No centre charges the scheduled fee so there will always be out of pocket expense. Just like the gap a GP may charge
    Child care is not cheap by any means and child care workers are actually very poorly paid - but that's a whole other thread.

  6. #5
    Join Date
    Oct 2013
    Posts
    276
    Thanks
    3
    Thanked
    98
    Reviews
    0
    It's my understanding that if you get CCB, they will withhold a % of CCR in case of any over payment of CCB (so you don't end up with a debt at the end of the year and you'll get it back at tax time).

    I may be wrong, but I think this is what happened the year I returned to work.

  7. #6
    Join Date
    Jun 2012
    Location
    Canberra
    Posts
    2,645
    Thanks
    1,036
    Thanked
    863
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    Thanks @Stretched that totally makes sense.

    We've been paying childcare fees for a long time but this is the first time we've been on this maximum rate and think the 100% confused me.

    It's not much money at all but when you're living on newstart and parenting payment (temporarily) everything is a lot. Just wanting DS to get out there and into a childcare routine again before kindy next year.

  8. The Following User Says Thank You to Bond Girl For This Useful Post:

    Stretched  (26-08-2014)

  9. #7
    Join Date
    Jun 2009
    Posts
    4,109
    Thanks
    1,604
    Thanked
    2,085
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    Quote Originally Posted by Bond Girl View Post
    Thanks @Stretched that totally makes sense.

    We've been paying childcare fees for a long time but this is the first time we've been on this maximum rate and think the 100% confused me.

    It's not much money at all but when you're living on newstart and parenting payment (temporarily) everything is a lot. Just wanting DS to get out there and into a childcare routine again before kindy next year.
    Yes, I've been in the same financial position. It's pretty lean. Maybe use the time to make gifts or trawl through the cupboards to see what can go on Gumtree? Then you won't feel so bad about the little extra spend to help him prepare for next year.

  10. The Following User Says Thank You to Stretched For This Useful Post:

    Bond Girl  (28-08-2014)


 

Similar Threads

  1. PPL question.....help!
    By NAT256 in forum Family Finances
    Replies: 15
    Last Post: 06-11-2013, 19:42
  2. A question about the "Do you have kids" question...
    By jaesmummy in forum Childless - not by choice (still trying)
    Replies: 10
    Last Post: 02-11-2013, 21:06
  3. Phi question...
    By babyla in forum General Chat
    Replies: 32
    Last Post: 24-10-2013, 09:55

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
free weekly newsletters | sign up now!
who are these people who write great posts? meet our hubbub authors!
Learn how you can contribute to the hubbub!

reviews
learn how you can become a reviewer!

competitions

forum - chatting now
christmas gift guidesee all Red Stocking
Pebblebee
Parents spend hours looking for things they need NOW. The keys, the remote, darling daughter's treasured teddy. Stop wasting precious time looking & start finding with Bub Hub reviewed Pebblebee Smart Tag. Simply attach a Pebblebee and find it fast.
sales & new stuffsee all
The Health Hub
Give a new mum a fitness boost for Christmas & New Year. Studio-based, small group training sessions - cardio, strength, core, Pilates & boxing. Choice of 16 hrs per week, flexible-arrival feature - bubs & kids welcome! Gift vouchers available.
featured supporter
Einsteinz Music
Fun & interactive music classes!
Classes are taught by professional musicians! Children are taught the fundamentals of music: beat, pitch, rhythm and tempo through hands-on experience. Click for more details!!!
gotcha
X

Pregnant for the first-time?

Not sure where to start? We can help!

Our Insider Programs for pregnancy first-timers will lead you step-by-step through the 14 Pregnancy Must Dos!