Tag Archive for: tax-free childcare

Support for Children with Special Educational Needs & Disabilities (‘SEND’) in Early Years Settings

Today, we’re looking at what help is available for children under five with Special Educational Needs & Disabilities (‘SEND’, also sometimes referred to as ‘SEN and disabilities’). Good support for such children, particularly in their formative years, is of critical importance to their longer-term progress, well-being and success. Appropriate support, provided in a timely and tailored manner, can have a real, positive impact on outcomes for children’s lives.

An Environment of Inclusivity

It is important to foster an inclusive environment for children with SEND, including at childcare/early years settings like Little Cedars Nursery. Whatever their differences, we know it’s crucial for all children to feel safe, comfortable, valued, and loved, as well as being free to express themselves. It’s also important that all children, irrespective of ability/disability, are able to make friends and socialise freely. This is therefore nurtured at childcare settings like Little Cedars.

Changes can also be made to childcare environments like ours, where appropriate, to improve accessibility for children with special educational needs and disabilities.

Identifying SEND

Identification of a special educational need or disability is the first step to properly support affected children.Identification of a special educational need or disability is, of course, the first step in being able to properly support a child with SEND. For this reason, good early years providers like Little Cedars Nursery will, as a matter of course, watch out for signs of things that might be challenging for children. As prescribed by the EYFS approach to early years learning and development, such assessment will occur as part of the day-to-day activities at such nurseries, preschools and early years settings, as well as during more formal assessments like the Progress Check at 2. Childcare practitioners, the Key Person allocated to each individual child, and the setting’s Special Educational Needs Coordinator (SENCo) will usually all be involved in all assessment stages.

Parents will be alerted to any suspicions and indeed should alert childcare settings if they have a SEND-related concern regarding their child. After all, parents may well have more insight, as they know their child best.

External professionals including health visitors, paediatricians and professional specialists and therapists can also be brought in to help with assessments if deemed appropriate. Only once a possible special need or disability has been identified and evaluated is it possible to look at appropriate support options for a child.

Developing a Tailored Support Plan

External specialists/professionals may be involved in the support plan for children with SEND.Support plans for suspected or confirmed special needs or disabilities are then discussed and custom-designed for the child. Such plans will be agreed between the child’s parents/caregivers, staff at the early years setting itself and any external specialists or professionals involved in the child’s care. Such programmes will be customised to suit the individual child’s specific needs and may include tailored activities, strategies, resources and so on. Formalisation of the support programme will allow all parties to pull in the same direction, working cooperatively for the benefit of the child.

“Assess, Plan, Do and Review.”

Progress and the effectiveness of support plans will be evaluated continuously. Should the support plan require fine-tuning along the way, then adjustments will be made to suit the ongoing needs of the child. There is also possible recourse to request an Education, Health & Care (EHC) assessment of the child’s needs from the local authority if deemed appropriate and sanctioned by parents. Should one occur, then a new support plan may be devised.

Similarly, if the help of external experts is required, for example help from a speech and language therapist, this can be arranged as part of the support package for the child.

With the right support, “the great majority of children and young people with SEN or disabilities … can find work, be supported to live independently, and participate in their community.” (DfE)

Special Funding & the Area SENCo

Special funding might be available to fund things like additional one-to-one support, special resources, or activities.In parallel to the SENCo at the child’s early years setting, local authorities also have their own Special Educational Needs Coordinator, known as the Area SENCo. They will also be integral to a child’s SEND support plan, helping with coordination between the local authority, the various parties involved in supporting the child, and in relation to any special funding requirements. If approved, special funding might be required, for example, for an additional member of staff tasked with giving one-to-one support to the child, or to fund extra learning resources and activities for them.

Area SENCos also continue to coordinate support for children with SEND through the transition from early years settings to school.

The ‘Local Offer’ Information Portal

Every local authority publishes information that informs families about the support available in their area for children and young people with special educational needs or disabilities. This is encapsulated in what’s known as The Local Offer. A Local Offer example for Streatham may help to illustrate the kind of help and resources available. Little Cedars Nursery is in the part of Streatham that falls within the London Borough of Wandsworth, and their Local Offer for SEND can be found here.

Funded Childcare for Under-5s with SEND

Parents may be wondering whether any free childcare is available for children with SEND. Here’s a quick snapshot of some of the options:

  • There are several childcare funding options for children with SEND.All 3- and 4-year-olds living in England are eligible for a minimum of 570 hours of free childcare per annum, irrespective of whether or not they have SEND. This is known as Universal Free Childcare or their Free entitlement and is typically taken as 15 hours of childcare each week over 38 weeks of the year, but how it is taken can differ. Learn more here.
  • In some circumstances, the above entitlement for 3- and 4-year-olds may be extended to 1140 hours per annum, equivalent to 30 hours of free childcare over 38 weeks of the year. This is known as Extended Free Childcare or the 30 hours scheme but, unlike with Universal Free Childcare, is means-tested. Many more eligibility criteria also apply (learn more here).
  • 2-year-olds with SEND may also be eligible for free childcare hours if they fall within one or more specific categories (learn more here). These include:
    – Receiving Disability Living Allowance (‘DLA’);
    – Being subject to an Education, Health & Care Plan (‘EHC’);
    – Having received a referral via their local authority’s Portage Service.
  • Parents of disabled children may be able to claim for free childcare support valued up to £4,000 per year through the Government’s Tax-Free Childcare Scheme. Learn more here.

More information about various Government-funded childcare schemes is available in our rough guide to childcare funding here.

Nursery Places at Little Cedars Nursery, Streatham

Little Cedars is a Nursery & Preschool in Streatham, London SW16

Ofsted rate Little Cedars Day Nursery as a Good ProviderLittle Cedars is a nursery & pre-school offering high quality childcare in Streatham, near Tooting, Tooting Bec, Tooting Common, Tooting Broadway, Furzedown, Balham, Norbury and Colliers Wood.

We support all Government-funded childcare schemes for eligible families at Little Cedars. We also endorse all the above support measures aimed at helping children with special educational needs and disabilities. We are officially a good nursery, as benchmarked by Ofsted.  Our nursery and preschool are located in Streatham, London SW16 although we are also conveniently close by for families in Streatham Hill, Streatham Common, Streatham Park, Furzedown, Tooting, Balham, Norbury, Colliers Wood, West Norwood, Wandsworth, Clapham and Brixton.

If you would like to apply for a nursery place for your child, ask any questions or book a tour with your child, please select an option below:

Rough Guide to Free Childcare for Children in England (2023 Edition)

Today we provide a rough guide to free childcare schemes available in England. There are many different ways eligible families can obtain at the very least some free childcare, so today we look at the various Government schemes and options available. The good news is that there is even one that’s available to pretty much everyone — and it’s quite generous. We’ll take a look at that childcare funding scheme first.

‘Universal’ Free Childcare Hours for 3- & 4-Year-Olds

(The “15 Hours” Scheme)

Up to 570 Free Childcare Hours Available

  • With Universal Free Childcare, children aged 3 or 4 can receive up to 570 hours of free childcare over the course of the year.With Universal Free Childcare, children aged 3 or 4 can receive up to 570 hours of free childcare over the course of the year.
  • Also known as their Free entitlement, it typically equates to 15 hours of free childcare per week over the course of 38 weeks of the year.
  • Some childcare providers may be able to stretch the hours out in a different pattern if it better suits families.
  • The childcare would be available through a nursery, preschool or childminder that’s properly registered to offer free childcare places, plus some other types of provider.

Eligibility

Universal free childcare is not means tested and all children aged 3 and 4 living in England are eligible to receive the free hours. 3- and 4-year-olds moving to England from abroad are also entitled, even without British citizenship. Eligible children can start their free childcare in the term following their 3rd birthday.

How to Apply

Families should apply through their local childcare provider. If you live/work in Streatham and are interested in your child getting their free entitlement at Little Cedars Nursery, please apply here or get in touch to discuss a nursery place with us. You can also find out more about childcare funding via your local council (you can find yours here).

‘Extended’ Free Childcare Hours for 3- & 4-Year-Olds

(The “30 Hours” Scheme)

Up to 1140 Free Childcare Hours Available

  • With Extended Free Childcare, eligible 3- and 4-year-olds can receive up to 1140 hours of free childcare per year.With Extended Free Childcare, eligible 3- and 4-year-olds can receive up to 1140 hours of free childcare per year instead of only 570.
  • Also known as 30 hours’ free childcare, it typically equates to 30 hours of free childcare each week over 38 weeks.
  • As before, however, some childcare providers may be able to offer a different pattern of hours each week, for example if families prefer to take the free hours over 51 weeks of the year rather than limit them to term time only.
  • As with the Universal scheme, the free childcare would be available through a nursery, preschool or childminder that’s properly registered to offer free childcare places, plus some other types of provider.

Eligibility

In contrast to the Universal scheme above, Extended free childcare for children in England aged 3 and 4 is means tested and there are quite a few additional rules around eligibility. These relate to income, job status, immigration status, and your child’s circumstances. In regard to income, generally speaking, eligibility requires that the parent(s) – or a single parent and their partner – are working and are each earning at least £8,668 per annum (less if aged under 23) but less than £100,000. The lower figure is based on 16 working hours per week on at least the National Minimum Wage or Living Wage. There are several exceptions to the general guidelines, though, and it is therefore wise to consult the more detailed eligibility information available here.

How to Apply

Applications for the Extended (30 hours) free childcare scheme must be made online via the Government website. Children are eligible to start using their free childcare in the term following their 3rd birthday, but parents can apply for it once they reach the age of 2 years and 36 weeks. Don’t leave your application too late because a code will be required in order for your childcare provider to access the childcare funding and you need to know that code in the month preceding the start of the term your child joins. The code will also need to be reconfirmed once every quarter.

Free Childcare for Disadvantaged 2-Year-Olds

Up to 570 Free Childcare Hours Available

  • Some disadvantaged children aged 2 can receive up to 570 hours of free childcare over the course of the year.Some disadvantaged children aged 2 can also receive up to 570 hours of free childcare over the course of the year.
  • This usually equates to 15 hours of free childcare each week over 38 weeks of the year.
  • As with some the schemes above, some childcare providers may be able to spread the hours out in a different way, e.g. less hours per week over more weeks of the year.
  • The childcare would be available through a nursery, preschool or childminder that’s properly registered to offer free childcare places, plus some other types of provider.

Eligibility

In order to be eligible, children’s parents/carers must be in receipt of one or more qualifying Government benefits. These include JSA, ESA, Income Support and Universal Credit amongst others. Household income and any savings must also fall below certain thresholds.

Children may also be eligible, however, if they are in an ‘additional needs’ category. For example, they receive Disability Living Allowance, have an ECH Plan, are being looked after by the local authority, have left care under certain types of order, or fall into another specific category. Some non-UK citizens may also be eligible. More details are available here.

How to Apply

You can apply via your local childcare provider or council.

Tax-Free Childcare

£2,000 to £4,000 in Free Childcare Potentially Available

  • Up to £2,000 in free childcare (£4,000 if disabled) is available each year to eligible children aged 11 or under through the Tax-Free Childcare scheme.For those that are eligible, up to £2,000 in free childcare is available each year to children aged 11 or under* through the Tax-Free Childcare scheme.
  • For disabled children up to the age of 16 inclusive*, up to £4,000 may be available.
  • The funding is paid into a special online Childcare account and equates to a maximum of either £500 or £1,000 per quarter, as appropriate.

* Children are no longer eligible from 1st September in the year that they are 11 years of age, or 16 if disabled.

The free childcare funding is funded by the Government via the online Childcare account, which the parent (or even their relative or friend) pay into. For every £8 they pay in, the Government will top up the account by an additional £2, up to the maximum(s) described above. The funding is paid from the account direct to the registered childcare provider, who must be signed up to the scheme. It can be used for no other purpose.

Eligibility

This particular scheme is quite widely available. Although it is means tested, the bar is set quite high. Each parent (or a parent and their partner if they have one) can be earning up to £100,000 per year yet be eligible. Generally speaking, they should also be earning no less than the equivalent of 16 working hours per week on at least the National Minimum Wage or Living Wage, although there are exceptions to the rule.

Aside from household income and the age of children, which we covered above, there are additional rules around eligibility relating to job status, immigration status, and your child’s circumstances. More information is available here.

How to Apply

You can apply for Tax-Free Childcare here.

Childcare Vouchers

(Closed to New Applicants)

A.k.a. Employer-Supported Childcare

  • You can sacrifice up to £55 per week of your earnings, which will be free of National Insurance and Income Tax, to fund Childcare Vouchers.You can sacrifice up to £55 per week of your earnings, which will be free of National Insurance and Income Tax, to fund Childcare Vouchers.
  • Closed to new applicants but see the Eligibility section below for more information.

Eligibility

This scheme is still available, through participating employers, but only to those who joined it before 4 October 2018. However, it is closed to new applicants. Exactly how much of your earnings you can use in this salary sacrifice scheme will depend on the date you joined the scheme and how much you earn.

More information is available here.

Free Childcare Through Universal Credit

  • Childcare funding through Universal Credit is set to be improved with nearly 50% more generous funding becoming available from July 2023.Following the Spring Budget 2023, childcare funding through Universal Credit is to be improved with nearly 50% more generous funding becoming available from July 2023.
  • The proposed changes will also mean that the childcare funding will be pre-paid by the Government from that date, rather than families having to pay for it first and then claim it back (as is the case at time of writing, April 2023).
  • This funding will increase to as much as £951 per month for one child or £1,630 per month for 2, from July 2023. Before that date the maximums are £646.35 and £1,108.04 respectively.
  • The maximum eligible families can claim, however, is 85% of their childcare costs, which for some may be lower than the figures stated above.

Eligibility

You or your partner, if you have one, must usually be working, be on a low income and claiming Universal Credit. The child you are claiming free childcare for must be under 17. How much you earn and the level of any investments and savings you might have will be taken into account when you claim and other criteria and caveats will also affect your eligibility.

Read more about the changes to free childcare through Universal Credit proposed in the Spring Budget here and learn more about free childcare through Universal Credit here.

How to Apply

You can apply for Universal Credit here or call them on 0800 328 5644.

Free Childcare Through Tax Credits

(Closed to New Applicants)

Claim Back up to 70% of Childcare Costs if Eligible

  • Claim back up to 70% of childcare costs through Tax Credits.Those already claiming for childcare costs via Working Tax Credits may be able to obtain up to £122.50 for one or £210.00 for more than one child each week.
  • This is up to a maximum of 70% of eligible childcare costs.
  • Funding is paid, retrospectively, to the parent/carer’s bank/building society account.

Eligibility

As this scheme is closed to new applicants, new claimants will need to apply for free childcare through Universal Credit instead (details are shown above). Existing claimants will need to use an approved childcare provider (properly registered etc.) that provides the childcare in person, not online.

More information is available here.

Free Childcare for Children Aged from 9 Months

(Coming Soon)

The Chancellor of the Exchequer proposed radical improvements to childcare funding in his 2023 Spring Budget in March 2023. These include the following additions for eligible children of working parents:

  • Free childcare will soon be available for eligible children aged from just 9 months.2-year-olds may be eligible for the ’15 Hours’ scheme from April 2024.
  • Children aged from just 9 months may be eligible for the ’15 Hours’ scheme from September 2024.
  • Children aged from 9 months to 3 years may become eligible for the ’30 Hours’ scheme from September 2025.
  • Eligibility for the above will follow the same criteria as currently in place for the existing ’30 hours’ scheme (a.k.a. Extended Free Childcare) for 3- and 4-year-olds.

Learn more about the coming changes to childcare funding for children aged from 9 months here.

Student Childcare Grants

Undergraduate Students Can Receive up to 85% of Childcare Costs

  • Undergraduate students can receive up to 85% of childcare costs, if eligible, through a Student Childcare Grant.Up to 85% of childcare costs incurred by students may be claimed, up to a maximum of £188.90 per week for 1 child or £323.85 for 2 or more (correct for academic year 2023-2024).
  • For the academic year 2022-2023, the figures are £183.75 and £315.03 respectively.
  • The grant is paid into a Childcare Grant Payment Service (CCGPS) account and the childcare provider will request payments from this, usually weekly, as appropriate.

Eligibility

Eligibility rules include the following:

  • You need to be a full-time student studying in higher education and living permanently in England;
  • You need to be eligible for undergraduate student finance based on income, which must be under a certain threshold;
  • You cannot have a postgraduate loan nor be claiming other specific types of childcare funding, including childcare help from the NHS;
  • Your child must be financially dependent on you;
  • Your child should be under 15 (17 if they have special educational needs).
  • Other caveats apply.

More information is available here.

How to Apply

You can apply for the Student Childcare Grant at the same time as applying for your main student finance.

Childcare Funding via the Care to Learn Scheme

Up to £175 per child per week may be available.

  • Funding through the Care to Learn scheme can be used to fund childcare, childcare deposit and registration fees, childcare taster days/sessions and even travel to/from the provider.Up to £160 per child is available each week for those living outside London.
  • For those inside London, that increases to a maximum of £175 per child each week.
  • The payment can be used to fund childcare, childcare deposit and registration fees, childcare taster days or sessions and even travel to/from the provider.

Eligibility

You will need to be under 20 when you begin your course, be your child’s main carer, live in England and be a British citizen (or legally be allowed to live/study in England). Your properly-registered childcare provider and the course you are studying on will need to qualify for the scheme. Courses will need to be publicly-funded ones, provided in specific types of setting including sixth form schools/colleges, schools, colleges and other types of provider. However, they cannot be higher education courses at universities. Attendance of both the course by the student and of childcare sessions by the child will need to be good in order to continue to qualify.

More information is available here.

How to Apply

Apply for the Care to Learn scheme here.

Childcare Funding via the Learner Support Scheme

Suitable for Over-20s Studying in Further Education

  • Childcare funding through the Learner Support Scheme is suitable for over-20s studying in further education.While it’s not designed to fund childcare, it can be used to do so in some circumstances.
  • Your specific circumstances will govern exactly what help and how much funding is available to you.

Eligibility

If used to fund childcare, the Learner Support Scheme is suitable for students studying in further education to Level 3 inclusive. They must be parents and also be facing financial hardship in order to qualify. The childcare provider must be registered with Ofsted.

More information is available here.

How to Apply

Student parents should apply through their learning provider, e.g through the college they are studying at.

It’s worth noting that some of the schemes above can be used in tandem with one another, while others strictly cannot. Check the links for more information about each for more details.

Little Cedars Nursery, Streatham

High Quality Childcare Provision for Babies, Toddlers & Preschoolers in Streatham

Ofsted rate Little Cedars Day Nursery as a Good ProviderLittle Cedars is a nursery & pre-school offering high quality childcare in Streatham, near Tooting, Tooting Bec, Tooting Common, Tooting Broadway, Furzedown, Balham, Norbury and Colliers Wood.Little Cedars is officially a good nursery/pre-school and offers high quality childcare in Streatham, London SW16. Subject to eligibility and availability, we support Government childcare funding schemes for babies, toddlers, preschoolers and children under five at the setting.

If you haven’t yet visited, why not bring your little one for a guided tour and you’ll soon see how well they fit in. We’re happy to answer any questions and would welcome your application for a childcare place.  Please get started with your application or contact us using an option below and we’ll be delighted to help:

We are located in Streathamclose to Streatham Hill, Streatham Common, Streatham Park, Furzedown, Tooting, Balham, Norbury, Colliers Wood, West Norwood, Wandsworth, Clapham and Brixton.

The Tax-Free Childcare scheme: a complete guide for parents

Back in February, we published our ‘Rough Guide to Free Childcare Funding in England‘. This proved very useful to eligible parents and guardians who wanted to understand more about the free childcare funding that was available from the Government. For any parent or guardian, totally free childcare is a no-brainer and is usually the best source of childcare funding to consider first. However, for those who are not eligible, there’s another scheme to consider, called the Tax-Free Childcare scheme. While you do have to pay for the childcare yourself, a kind of tax ‘rebate’ (of sorts) helps to cushion you from having to pay for the entire cost.

Young boy drawing at pre-schoolThe Tax-Free Childcare Scheme could save you thousands

The Tax-Free Childcare Scheme

Under the Government’s Tax-Free Childcare Scheme, the Government effectively offers up to £2,000 of help per child, per year, for childcare, or up to £4,000 per year if they are disabled. It’s rather like crediting you back some income tax on the (tax-paid) money you’re going to be spending on childcare, which is why the scheme is called the Tax-Free Childcare Scheme.

How it works

If you are eligible, you simply open a Tax-Free Childcare Account on the Government website. For every 80p you pay in, the Government will put in an additional 20p (this is the part that’s akin to getting the Income Tax back on the money you’re going to spend on childcare). Using this approach, you can save up to £10,000 for childcare, per child, in your Tax-Free Childcare account. As mentioned above, you get even more back from the Government if the child in question is disabled.

Rules for eligibility:

  • Nursery table with play clay and wooden letters The Tax-Free Childcare Scheme is available to parents of children up to the age of 11 inclusive, or 16 inclusive if they’re disabled.
  • You, and your partner, if you have one, need to be working. (If you are a single parent, that’s OK).
  • If one of you is not working but is in receipt of specific benefits, the other can still be eligible. Those received benefits include various disablement and incapacity allowances, Carer’s Allowance, contribution-based employment & support allowance and National Insurance credits awards for incapacity/limited capacity to work.
  • If you have not yet begun working, but will begin working within the next 31 days, you can still apply.
  • Being on sick leave does not stop you from being eligible.
  • Each partner in the household, if there is more than one, needs to earn £140 or more per week (this is tied to the National Minimum Wage i.e. the equivalent of working 16 hours per week, if over 25, at time of writing). Those who have been self-employed for less than a year are not subject to the minimum above. Those who have been self-employed for more than a year will need to use an average of income for the next 3 months or entire current tax year to see if they’re eligible on the above basis.
  • Each parent must earn less than £100k per annum.
  • Those on maternity, paternity or adoption leave are still eligible on the above basis, but can only claim for children they are not on parental leave for.
  • Your chosen childcare provider must be registered with the Tax-Free Childcare Scheme along with at least one of the following regulators: Ofsted, the Early Years Register or the Childcare Register.

Under-five girl painting rainbowAlong with helping to fund nursery places at places like Little Cedars Nursery in Streatham, Tax-Free Childcare can also be used to fund the costs of other kinds of childcare service, so long as they’re registered as outlined above. Examples include play groups, breakfast clubs, some holiday activities like sports and even summer camps.

Is Eligibility affected if I’m working less due to coronavirus measures?

The short answer is no, i.e. if you’re temporarily working less because your work has been limited by the measures put in place to fight coronavirus, you can still claim.

How to apply for Tax-Free Childcare

To apply, sign up for Tax-Free Childcare at the Government site. It only takes 20 minutes or so. You’ll need your National Insurance number and your UTR (Unique Taxpayer Reference) if you’re self-employed. If you have a partner that you are making a joint claim with, the same two things are required for them, but you only need one account for the both of you.

Once your application has been accepted (it’s usually pretty fast), the Government’s 20% contribution usually goes into your account within just a few hours of you crediting the account with your 80%. Please note that there is a maximum credit of £500 per quarter from the Government. For this reason, it’s wise to credit your account with your contributions all year round if you have particularly high childcare costs that come in one shorter period within the year.

Young girl with mermaid drawingTIP: If you want the Government’s contribution to go into your account faster, your payment needs to be paid by Bank Transfer (rather than, say, via a debit card or standing order, although those still work fine if you don’t mind waiting a while longer for the Government’s corresponding contribution).

How to pay your childcare provider

Once your Tax-Free Childcare account is showing available funds, these can be sent directly to your childcare provider by selecting them from within the account and then transferring the appropriate amount to them. As above, they will usually receive the payment very fast although obviously it takes a little longer if you make a payment over a weekend or Bank Holiday. Allow up to 3 working days, in a worst case scenario.

Looking for childcare services in Streatham or south west London?

Little Cedars Day Nursery is based in Streatham, London, SW16. If you’re in that area, we’d love to be your chosen childcare provider. We’re conveniently close to Streatham high street, Streatham Park, Tooting Bec, Tooting Common, Furzedown and Balham. We’re well-established and offer the very best childcare services at our nursery/pre-school in Aldrington Road (SW16 1TU). Our qualified staff and facilities for children are excellent, whether they’re a 3 month old baby or a five year old child. Call 020 8677 9675 or contact our Streatham nursery team here and we’d be delighted to tell you more about our nursery, or to arrange a visit so you can see the setting for yourself.

P.S. You may also be interested in our separate Guide to Childcare Funding Available Through Universal Credit.