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  1. #1
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    Default Help! Baby Bonus, Maternity, Medicare Money Q!

    Sorry not sure where to post this!

    We will be TTC around May! I'm now off the pill and on folic.

    I have so many questions! I am from the UK and things are so differerent here!

    In regards to maternity pay from my company and baby bonus, am i right in thinking you can only choose one or the other? How do you know what to choose? Whats a good website?

    What if i take maternity pay and decide i dont want to go back after 12 months, or I move interstate, do I have to pay it back? (i think u do in the uk unless u go back for a couple of months before leaving)

    My HR department were a bit rubbish, i emailed them this question and they replied 'There is currently no mention of this in the parental leave policy or Enterprise Agreement', does this mean I dont have to pay it back if I stay at home or move away? How does it work at your company?

    We will be going public not private, i have read so many articles on pros & cons so how does medicare work in relation to paying for things? I have Bupa but I havent been with them long enoigh to get the pregnancy cover which is a boit lame! I am having my check up & blood test tomorrow to see if my immuinisations are still current.

    Back in the UK we have the NHS and eveything is free, doctors appointments, hospitals etc even the oral contraception pill is free! (however u pay for prescriptions). But i'm much happier here so I'm staying!!

    I emailed Medicare over a week ago asking for advice as i couldnt see much on their website and still waiting for a responce!

    Any help would be greatefully received!

    Thanks!

  2. #2
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    Hi!! I would probably post this in this section, but were all very friendly and will respond whereever you put it!

    http://www.bubhub.com.au/community/f...aternity-Leave

    Yes you are right that you can only choose one or the other (unless you have twins. If you have twins you can get the baby bonus for one and PPL (Paid Parental Leave) for the other, if you meet the PPL requirements).

    Here is a good website that talks about PPL and the requirements you need to fulfill. How long have you been in Australia for?

    http://www.familyassist.gov.au/payments/family-assistance-payments/paid-parental-leave-scheme/

    Quotes from the above website:

    "Am I eligible?

    You may be eligible for Parental Leave Pay if you:
    • are the primary carer of a newborn or recently adopted child, usually the mother
    • are an Australian resident[1]
    • have met the Paid Parental Leave work test before the birth or adoption occurs
    • have received an individual adjusted taxable income[2] of $150 000 or less in the financial year prior to the date of birth, adoption or date of claim, whichever is earlier, and
    • are on leave or not working from the time you become the child’s primary carer until the end of your Paid Parental Leave period.
    Your child must have been born or adopted from 1 January 2011 to be eligible for Parental Leave Pay.
    Full-time, part-time, casual, seasonal, contract and self-employed workers may be eligible for the scheme."

    "
    The Paid Parental Leave work test

    To meet the Paid Parental Leave work test you must have:
    • worked for at least 10 of the 13 months prior to the birth or adoption of your child, and
    • worked for at least 330 hours in that 10 month period (just over one day a week) with no more than an eight week gap between two consecutive working days.
    A working day is a day you have worked for at least one hour.
    There are some exceptions if you do not meet the work test due to pregnancy complications and/or premature birth.
    You do not need to be working full-time to be eligible for Parental Leave Pay. You may meet the work test even if you:
    • are a part-time, casual or seasonal worker
    • are a contractor or self-employed
    • work in a family business (such as a farm)
    • have multiple employers, or
    • have recently changed jobs.
    If you work for a family business (such as a farm), you can include your hours of work even if the business is not generating any income, providing you are undertaking the work for financial gain or benefit."

    You need to meet the above requirements, see the website for more details. Coming from the UK, unless you have been in Australia for about a year and working than I'm not sure whether you would qualify for PPL, you might only be able to get the baby bonus, but I'm not sure...

    Money wise, the baby bonus is $5,000 and you get it in 13 fortnightly installments. PPL is $8,721 and I think you also get it paid fortnightly.

    In regards to going back to work, you DON'T HAVE TO!!! You don't have to pay back any money at all. PPL gets paid through your work as if you were getting paid by them, but after you finished getting paid you can contact your work and say that you are 'resigning' and you still get your money etc. I think you can even tell your work that you aren't coming back anyway, but the PPL will still go through them rather than from the government direct, although not 100% sure on that, but I do know that there is NO requirement to go back to work.

    Not sure on Medicare... I know that they have rebates for stuff, but not sure on how much and what for etc. If you have a Medicare card set up and have payments go straight into your bank account, rather than being paid for with cheque, whenever you go for appointments, you just present your Medicare card and whatever the rebate is Medicare will pay for it and you pay the balance, or you pay 100% and Medicare refunds their portion straight back into your account. I know with Medicare there is something called a Safety-Net which is a certain amount of money, and if your medical costs are more than that, than you get more of a percentage back, but I really haven't looked into that so not sure, but Google it Or someone else might know more.

    Hope that helps!!!

    And good luck with TTC (hope it happens super quickly for you, but if it doesn't you might be able to go with Private depending on how long it takes...)
    xx

  3. The Following User Says Thank You to NaturalBirth For This Useful Post:

    debsi  (24-01-2012)

  4. #3
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    Sorry forgot to add at the start.

    If you meet the PPL requirements than choose that because it is more money

    If you don't then obvisouly you can get the baby bonus, which is less, but still a good amount!!

  5. #4
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    Wow! very helpful thanks very much! by the time baby is born i will have been a resident in Australia for 2 years and in job for over a year so thats lucky! Fab that i wont have to pay back! Thanks xx

  6. #5
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    Perfect! No worries, just found the site for the baby bonus as well if you want it, but soudns like you will be eligible for PPL

    http://www.familyassist.gov.au/payme...ts/baby-bonus/

    All the best,
    xx

  7. #6
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    Should add...
    If your work provides their own maternity leave you can take that as well as the PPL/ baby bonus. Mine for example provides 14 weeks paid mat leave & then I'm taking the PPL when that runs out




    My little munchkin due May 2012! So to keep me busy till then, I'm learning how to use my iPhone.

  8. #7
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    Hi!
    If you get paid maternity leave from your employer, you can get this PLUS the paid maternity leave from the government. If you get the paid maternity leave from the government then you don't get baby bonus (unless you have twins).
    Actually you can choose Govt maternitiy leave or baby bonus, there is a calculator on the Family Assistance website I think. It is quite complicated, depends on your taxable income before and after bub is born. You don't need to worry too much about that until you apply just before bub is due.
    SO you should get whatever your employer pays for Maternity leave (12 weeks or whatever), plus you will get about $5000 - $10,000 from the government on top of that.
    You don't have to go back to work to get maternity leave from your employer, and you don't have to pay it back. You should get 12 months unpaid leave, then you can apply for another 12 months (so they keep your job for 24 months), then you can go back, or resign, up to you!
    Medicare covers all the costs for anything you have done at the hospital. You might have a small cost for seeing your GP, blood tests etc. So if you go public it really shouldn't cost much at all to have the bub.
    Good luck!

  9. The Following User Says Thank You to LittleBug'sMum For This Useful Post:

    debsi  (25-01-2012)


 

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