Tag Archive for: universal credit

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.

Childcare Funding Reforms from the Chancellor's Spring Budget 2023

Childcare funding is set to be positively revolutionised following the Chancellor's Spring Budget, 2023.March 15th 2023 saw the Chancellor of the Exchequer’s Spring Budget announcement, which included news of extra funding to cover costs for childcare. Crucially, the new funding will support childcare for infants as young as 9 months old for the first time, as well as including other positive changes. Although it’ll be introduced in stages, the free funding should be welcome news for those parents who will be eligible. Let’s take a look today at the proposed childcare changes, including which age groups will benefit, what extra funding is promised to support families and when the new help will become available. First, though, we’ll look at the main aims of the new funding.

The Aims of the New Childcare Funding

The proposed changes are aimed at helping families overcome current barriers to being able to work, for example because of childcare timing limitations and/or affordability. They should also help the nation, though. Helping parents — especially women — to return to the workplace more easily will boost both household income and career prospects. This, in turn, will also help fill some of the many vacancies in the workplace. So, it will indirectly help the nation through growth and inflows into the Exchequer as well as helping families directly. The press has, however, highlighted some frustration that the changes won’t happen soon enough for many, and are being introduced in stages. However, childcare providers will need time to adapt to the changes, for example to build extra capacity to cater for the extra demand. They will also need to adapt to some new rules around things like staff-to-child ratios.

“Almost half of non-working mothers said they would prefer to work if they could arrange suitable childcare.” (Jeremy Hunt, Chancellor of the Exchequer)

The Childcare Funding Improvements:

Childcare Funding Improvements Announced

To sum up the new childcare funding enhancements, the Chancellor’s plans to help eligible families include the following:

  1. The ‘30 hours’ free childcare scheme for eligible 3- and 4-year-olds will soon be extended to eligible children right from the age of just 9 months.
  2. Childcare provision via Universal Credit childcare support, for those parents who want to move into work, or increase hours, will be made more affordable and viable.
  3. What’s known as ‘Wraparound Care’ in relation to childcare for children of school age will also be improved through a ‘Pathfinder’ scheme.

Let’s have a closer look at these three areas, which will positively benefit the attainability of childcare for almost all under-fives:

1. Childcare Funding for Children from 9 Months

Childcare funding will be available for children from just 9 months of age.The ‘main event’ in the Spring Budget from the perspective of childcare provision is the significant expansion of the ‘free hours’ schemes. Previously, only 3- and 4-year-olds living in England could get up to 30 free childcare hours per week, along with some 2-year-olds being eligible for 15 hours per week. However, the Chancellor has announced that 30 free weekly childcare hours will soon be extended to eligible children aged from just 9 months old. Eligibility criteria for these much younger children will be based on the same eligibility requirements as for 3- and 4-year-olds on the existing ’30 free hours’ scheme.

“Significant reforms to childcare will remove barriers to work for nearly half a million parents with a child under 3 in England [who are] not working due to caring responsibilities … reducing discrimination against women and benefiting the wider economy in the process.”

This new support scheme for infants will be gradually phased in during the period running up to September 2025.

  • First, 2-year-olds of working parents will become eligible for 15 hours of free childcare, for 38 weeks of the year, from April 2024. This will benefit up to 285,000 children.
  • The scheme will then be extended to children aged from 9 months of age from September 2024, which will benefit up to an additional 640,000 children.
  • Finally, from September 2025, the Chancellor says, “all eligible working parents of children aged 9 months up to 3 years will be able to access 30 free hours per week.”
  • This is all in addition to existing schemes for 3- and 4-year-olds.

For those children who are eligible, it will mean that they will receive Government-funded childcare hours right from the age of 9 months, with 2-year-olds becoming eligible from just over a year’s time at time of writing (March 2023). With the 3-and-up funding schemes already in place, eligible little ones will then be supported with childcare right up until they start school around the age of five. That will be a game-changer for parents who want to get back into work immediately following any maternity/paternity leave.

“This will help with the cost of living, support education for the youngest children, and remove one of the biggest barriers to parents working.”

2. Universal Credit Changes for Childcare

Universal Credit childcare support will increase by around 47% and will soon be paid in advance instead of in arrears.Some struggling parents in receipt of Universal Credit childcare support, who would like to move into work or increase existing working hours, will have subsidised childcare costs paid in advance under the new proposals. This is in contrast to the existing approach where all parents had to pay for the childcare upfront and then reclaim the costs retrospectively. Funding the childcare costs in advance will make the subsidised childcare costs much easier for the lowest-income families to afford from a practical, cash-flow point of view. It will also hopefully improve the situation whereby, currently, only 13% of eligible low-income families actually claim the childcare element of Universal Credit.

Only 13% of eligible low-income families currently claim the childcare element of Universal Credit.

Under the existing Universal Credit childcare scheme, eligible families can currently claim back up to 85% of childcare costs, up to a maximum of £646 per month for one child or £1,108 for two in most cases (follow the bold link for more details). However, under the new proposals announced in the Spring Budget in March 2023, eligible parents will soon be able to claim significantly more. Indeed, the increase is approximately 47% more, rising to £950.92 per month in childcare funding for a single child and £1,630.15 per month for two or more.

3. Wraparound Childcare ‘Pathfinder’ Scheme

The new ‘Wraparound Pathfinder Scheme’ is designed to provide childcare earlier in the morning and later in the afternoon, so parents can work a full day and still pick them up.Although this website and our childcare service are geared to the early years age groups, it would be remiss of us not to include a brief overview of the enhancements that are being introduced for children of school age. These are coming in via proposed changes to what is known as ‘Wraparound Care’ as we’ll explain.

A major problem for many working parents of school-age children is that school hours are generally shorter than the adult’s working hours. This incompatibility creates a barrier to finding a workable childcare solution that would otherwise allow the parent to work during normal office hours. The new ‘Wraparound Pathfinder Scheme’, proposed in the Chancellor’s Spring 2023 Budget, is designed to provide childcare for the children even during those ‘mismatched’ hours. For example, wraparound childcare will start to cover the period from 3pm, when many children finish their school day, to 6pm when parents may finish their working day. Similarly the new provision will allow children to be dropped off earlier in the day, so that parents can get to work by, for example, 9am after dropping children to their childcare providers in the preceding hour. Under the changes proposed in the Chancellor’s Spring Budget, parents of school-age children will be able to drop them off as early as 8am and pick them up as late as 6pm during the working week. The scheme will first be tested, however, and rolled out nationally, if successful, from the academic year starting in 2024.

Benefiting Parents, Children & Society

The changes proposed in the Chancellor’s Spring Budget 2023 should improve the lives and careers of parents of young children, improve access to all-important early years education for those little ones and help to support economic growth for the nation.

“An early start in early years education benefits children and spending more hours in early education between age 2 and 3 has immediate positive impacts, including more prosocial behaviour, fewer emotional symptoms and peer problems.”

The Chancellor also announced additional support measures for childcare providers, to help them adapt and prepare for all the new changes and additional capacity that will be required. Learn more about the Chancellor’s announcements for childcare reforms on the Government’s Education Hub.

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 a high quality nursery and pre-school located in Streatham, London SW16. Recognised as a good childcare provider by Ofsted, we cater for babies aged from 3 months and children aged up to five years. We support the various Government schemes that allow eligible families to access free childcare.

Get in touch today to register your baby or child for a childcare place at Little Cedars Nursery. We’re happy to answer questions and/or to show you and your little one around the nursery/pre-school too. Why not visit and see how well they fit in! Please choose a button to get started with your enquiry or application:

Little Cedars Nursery is located in Streathamnear Streatham Hill, Streatham Common, Streatham Park, Furzedown, Tooting, Balham, Norbury, Colliers Wood, West Norwood, Wandsworth, Clapham and Brixton.

Free Childcare via Universal Credit: A Complete Guide

Education through creative play at nurseryWelcome to our guide to free childcare available specifically via Universal Credit. This builds upon our previous childcare funding guides, giving parents yet another potential way to get financial help towards childcare costs. Which scheme suits you best rather depends upon your individual situation as each has its own rules for eligibility. If one scheme doesn’t fit with your situation, another may. You may even find that you can apply for multiple schemes in certain circumstances, and we’ll also touch upon that in this guide. (To view our previous guides on other funding schemes, see our Rough Guide to Free childcare Funding in England and our Complete Guide to the Tax-Free Childcare Scheme).

Anyway, let’s get back to childcare funding specifically from Universal Credit

Firstly, what is Universal Credit?

Universal Credit is a Government funding system that was introduced in 2013 to simplify the welfare payment system. In essence, it helps people with their living costs, for example if they’re on low incomes or are not working. It also potentially includes funding for childcare, to help parents with the costs of looking after dependent children (more about that later). The scheme’s aim is to eventually replace 6 existing benefits** into a single, unified payment scheme. Payments are made monthly in England (sometimes twice a month in Scotland).

How much can you get towards childcare with Universal Credit?

If you are eligible, you may be able to reclaim up to 85% of childcare costs through Universal Credit. The most you can reclaim each month is usually £950.92 for one child or £1,630.15 for two or more children (figures have been updated for 2023) unless there are exceptional circumstances. You may also be able to claim for additional children under the scheme, but only if they were born before 6th April 2017. If eligible, you can claim for dependent children up to the 31st of August following their 16th birthday.

Your payments for childcare costs under the scheme are usually paid in arrears. This means you will need to pay the costs yourself and then claim the money back through your Universal Credit claim. (2023 UPDATE: Following childcare funding reforms announced in the Chancellor’s Spring Budget in 2023, however, there are exceptions — good news for those struggling the most).

The amount you are paid in your job, if you have one, can affect how much your Universal Credit payments will be. If your earnings are more than usual in an “assessment” period, this can reduce your Universal Credit payment, including the amount of any help towards childcare costs.

Eligibility criteria

An under-five playing at pre-schoolTo be potentially eligible for childcare help through Universal credit, you must live in the UK, be on a low income or out of work and be aged 18 or over (although there are some exceptions for 16 and 17 year olds). You and your partner, if you have one, must also be under State Pension age and have no more than £16,000 in savings/investments between you.

You, and you and your partner, if you live with them, usually* need to be employed or have an offer of employment, and be paying for childcare for a child or young person. Paid work does not include being engaged by a charity or a voluntary organisation or being a volunteer where the only pay is expenses. Also, if you stop work, you must inform Universal Credit of the change in your circumstances.

* Childcare costs may still be paid if one partner is employed and the other cannot look after the child/children because they have limited capabilities for work and work-related activities, care for a disabled adult or child, or are temporally absent from the household (e.g. in hospital, residential care or in custody).

You will not be eligible for Universal Credit if you already receive, or are eligible for, Severe Disability Premium.

Claiming back your childcare costs

You will need to tell the Department for Work & Pensions (DWP) about costs of your childcare before the end of the “assessment period” following the one you have paid the fees for. This can be confirmed online via your Universal credit Account. In effect, you are then refunded for any eligible childcare payments via your Universal Credit payment. You can claim up to 3 assessment periods of childcare at a time. To get your childcare costs refunded and to avoid missing out, you should report the childcare costs as soon as possible after you have paid them.

What if you’re off sick or on maternity/paternity leave?

You can still get Universal Credit childcare costs for existing childcare if either you or your partner are receiving Statutory Sick Pay, Statutory Maternity Pay, Statutory Adoption Pay, Statutory Paternity Pay, Statutory Shared parental Pay or Maternity Allowance.

What if you’re changing jobs, or coming to the end of one?

Early years creativityIf you have been offered new employment, you can ask for childcare costs for the month preceding the start of your new job. If you are coming to the end of your employment, you must inform the Department for Work and Pensions (‘DWP’) immediately. Help with childcare costs can be claimed at least a month after your employment ends to help you maintain childcare as you switch jobs.

What if you’re still receiving the ‘old’ Tax Credits?

** A few people remain in the ‘old’ schemes that were in place before Universal Credit came into being. These are Child Tax Credit, Housing Benefit, Income Support, Income-based Job Seekers Allowance (JSA), Income-related Employment & Support Allowance (ESA) and Working Tax Credit. If you’re still receiving benefits through one of those, it seems that there is no need to apply for Universal Credits unless you have a change of circumstances that needs to be reported, or you are requested to do so by the DWP.

TIP: It’s important to know that any existing Tax Credits will end once you or your partner apply for Universal Credit — even if you are not successful in your application. So, the message is: if you are receiving Tax Credits check your eligibility and do your research carefully before applying for Universal Credit.

What if you receive childcare vouchers?

If your childcare costs are met by a third party, for example via childcare vouchers supplied through an employer, you can only claim back the balance which you or your partner actually paid yourselves. However, earnings that have been converted into childcare vouchers do not need to be included when working out reductions to your Universal Credit pay.

What if you’re already receiving 15 or 30 hours free childcare funding?

You may still be entitled to apply for the 15 or 30 hours free childcare funding. Universal credit may be able to help towards any additional childcare costs over and above the 15 or 30 hours each week.

Can you only use one childcare provider?

A kindergarten settingYou can have more than one childcare provider. However, to apply for Government help with childcare you must use a registered/approved childcare provider. This generally means that the childcare provider is registered with Ofsted for England, The Care Inspectorate for Scotland or the Care and Social Services Inspectorate Wales (‘CSSIW’) for Welsh settings.

You will need to tell Universal Credit details of the childcare providers you are using. These may include providers supplying childcare via a school, play scheme, nursery, club, a childminder or childcare agency, so long as they’re registered as above. Your provider will need to confirm their registration number, which you’ll need to provide in your application.

How to apply

Checklist

First, you’ll need to get the following ready: Details confirming what you pay for childcare costs; An email address; Your mobile phone handy if you have one; Your bank or building society account details, or credit union account information; A credit or debit card; Details about your housing situation, for example how much rent you pay; Income details including payslips; Savings and investment information and any income from property that you rent out; A driver’s licence or passport.

Then you can apply for Universal Credit payments here. Telephone the Universal Credit Helpline on 0800 328 5644 if you run into any difficulty.

Childcare in Streatham, London SW16

This guide was brought to you by Little Cedars Day Nursery in Streatham, London SW16. We offer childcare services at our nursery and pre-school located in the London Borough of Wandsworth. We’re convenient for parents requiring weekday childcare for babies and under-fives near Streatham, Streatham Park, Tooting Bec, Tooting Common, Furzedown and Balham. Telephone 020 8677 9675 for more details or simply email us here and we’ll be delighted to tell you more about the nursery or to answer any questions. Alternatively, book a tour or the nursery here.