Ok so how does this thing work, im thinking about putting my 3 YO in a preschool daycare type thing, and they are covered by the CCR,
do you pay the full fees, and claim back the extra? do you just pay the gap?
and also whatever else you would think a newby to the system would need to know?
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16-01-2012 14:10 #1
child care rebate, how does it work?
16-01-2012 15:21 #2
We pay the gap between what centrelink pay the centre & the total amount.
I came to an agreement with the centre cause our total daily fee is so much.
17-01-2012 08:29 #3
Its pretty confusing to begin with, and the percentages are annoying because they dont tell you how they come up with them.
Pretty much you call centrelink and tell them which daycare centre you are enrolling with. then if you are already receiving a family assistance payment they go off your estimated income (always make sure you are well over.. especially for CCB because the debts are a LOT higher if you suddenly go over your estimation). Centrelink then send you out a letter, and on the back in the fine print is your percentage that the childcare centre will use (they are also sent a letter advising). Then your fee's are reduced accordingly.
*note* if your centre offers more than 50 hours a week (so more than 10 hours a day), and you send your child for 5 days a week, then on the 5th day you will be charged full price for the hours the centre is over. eg. your centre is open 60 hours a week.. they normally charge $10 an hour, with your discount you pay $8 an hour. on the 5th day you will be charged $8 an hour up until the 50th hour, then the remainder 10 hours you will be charged $10 an hour... if that makes any sense..
As far as the CCB (Child care rebate) goes, you can now opt to have that paid yearly, quarterly or weekly. The rebate is where anything you pay the child care centre, 50% is paid back to you from the government (up to i think $7500 per child).Obviously if you were to choose yearly or quarterly it allows you to get 50% of whatever you have paid back over the period and helps with getting the larger bills out of the way, or allows a bit of saving to occur. If you choose weekly, you have two options. For the money to be paid directly to your child care centre, or to receive it straight into your bank account. This is where over estimating is important. Because if you screw up your initial percentage, and have the money paid weekly, then you can end up paying back a LOT at the end of the financial year. If you find you have over estimated then you will get the remainder of the CCB back at tax time once you have lodged your taxes
Hope this helps
17-01-2012 12:37 #4Senior Member
- Join Date
- Jan 2009
There are two types of government assistance - CCB and CCR.
CCB is a percentage of a scheduled fee per hour and is means tested. From memory, once the family income is over $100k, you don't get anything or a negligible amount. From memory, you can get about 15 hours per week of CCB and more if you are working, studying, looking for work etc. CCB is paid directly to the centre, and the centre charges you the difference.
CCR is 50% of your out of pocket costs (ie. daycare fees less CCB). But you only get it if you are working, studying, looking for work etc. It used to be you got it as a lump sum quarterly or annually, but you can now arrange to for it be paid to the centre directly.
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