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Exact date within weeks parents can apply for new 15 hours free childcare as huge boost rolls out
Plus, all the help you can get if you don't qualify for free childcare
WORKING parents of nine-month-olds can apply for 15 hours free childcare within a matter of weeks.
The Government is extending its offer of free childcare in three phases, announcing the expansion in last Spring's Budget.
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Until this month, parents could only claim 15 hours of free childcare for three and four-year-olds in England.
This has now been extended to include two-year-olds in phase one and will eventually expand to include nine-month-olds in phase two.
Working parents of nine-month-olds will be eventually be able to claim 30 hours of free childcare a week from September 2025.
But for now, working parents of nine-month-olds can start applying for 15 hours for September from May 12.
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The Government says parents should get applications in early to ensure they can get a place with a provider for the next school year.
How can I apply for free childcare?
You can apply for 15 hours free childcare from when your child is one year and 36 weeks old.
Meanwhile, you can apply for 30 hours from when your child is two years and 36 weeks old.
Once you've applied via the gov.uk website you'll be issued a code which you have to give to your childcare provider alongside your National Insurance number and child's date of birth.
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You have to apply for a code by the end of the month before a new term starts.
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For example, if the term starts on September 1 you need to apply by August 31.
You should also check with your provider the exact date your free childcare kicks in.
It should take around 20 minutes to apply for a code, and can take up to seven days to find out if you've qualified.
The code will be sent to you once your application has been approved.
You have to reconfirm your eligibility for free childcare every three months on your online account.
Therefore, if you are a working parent of a nine-month-old and applying for 15 hours free childcare around the May 12 date, you may need to reconfirm your code to ensure you can start using your free hours from September.
Who classes as a working parent?
WORKING parents can claim free childcare hours, but who classes as one?
A working parent is one who is earning at least a minimum amount, depending on their age.
For example, if you're 21 or over, you must be earning the equivalent of £183 a week.
If you're 18-20, you must be earning £137 a week, and for parents under 18, this figure drops to £102 a week.
This is the equivalent of the working 16 hours a week on average on the National Minimum or Living Wage.
What other childcare help is available?
Free childcare for two-year-olds for those on benefits
Parents living in England and claiming any of the below benefits can access some free childcare for two-year-olds:
- Income support
- Income-based jobseeker's allowance (JSA)
- Income-related employment and support allowance (ESA)
- Universal Credit (where household income is £15,400 a year or less after tax, not including benefit payments)
- Tax credits (where household income is £16,190 a year or less before tax)
- Pension Credit (guaranteed element)
Two-year-olds can also get free childcare if they:
- Are looked after by a local authority
- Have an education, health and care (EHC) plan
- Get disability living allowance
- Have left care under an adoption order, special guardianship order or a child arrangements order
You may have to pay for extra costs like meals, nappies or trips.
Tax-free childcare
Those not on Universal Credit or Tax Credits might qualify for tax-free childcare.
For every £8 you pay into the account, the Government will pay you £2.
You can get up to £500 from the Government every three months - up to a maximum of £2,000 a year - for each of your children.
If your child is disabled, you can claim more - £1,000 every three months, up to £4,000 maximum per year.
Anyone eligible can sign up by creating an online childcare account via the Government's website.
You can claim tax-free childcare at the same time as 15 or 30 hours free childcare hours.
Child benefit
You can get child benefit if you're responsible for a child aged under 16, or if they are under 20 and in approved education or training.
Child benefit is currently worth £25.60 a week for the eldest child or only child. For each subsequent child, parents get £16.95 a week.
The cash is paid every four weeks and there's no limit to how many children you can apply for.
Bear in mind though, those who earn more than £60,000 a year have to start paying back some of their child benefit through the High Income Child Benefit Charge (HICBC).
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If you or your partner earns £80,000 or more, you have to pay all your entitlement back.
You have to pay the HICBC to HMRC through self-assessment.
Do you have a money problem that needs sorting? Get in touch by emailing [email protected].
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