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
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25-08-2014 19:12 #1
25-08-2014 19:15 #2
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).
25-08-2014 19:29 #3
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.
25-08-2014 19:38 #4Senior Member
- Join Date
- Apr 2013
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.
25-08-2014 21:05 #5Senior Member
- Join Date
- Oct 2013
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.
26-08-2014 06:18 #6
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.
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26-08-2014 21:04 #7
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