CAREERS AND BENEFITS SUPPORT

CHILD BENEFIT SUPPORT

Child Benefit is provided to families who have children, and the amount is determined based on the number of eligible children living in the household.

When it comes to means-tested benefits and tax credits, they do not take into account the income received from Child Benefit. Nevertheless, certain benefits may have specific provisions for Child Benefit.

  • If you meet certain criteria, you could potentially receive assistance to cover your learning expenses.
  • If you are currently registered as a full-time student enrolled in higher education
  • If your children are under 16 years old, or under the age of 20 who are eligible to stay in approved education or training programmes?
  • Each child is entitled to receive a regular payment known as an allowance, which is provided to you.
  • This allowance is typically disbursed every four weeks and serves as a contribution towards your State Pension through National Insurance credits
  • Your child will be assigned a National Insurance number without the need for them to apply for it. This number will usually be issued shortly before they reach the age of 16

Child Benefits can only be received by one person for each child, according to the regulations. However, it is worth mentioning that there is no limit on the number of children that one can claim.

CHILD BENEFIT REPAYMENT CRITERIA:

  • No repayment is required for this benefit
  • This financial assistance is provided in addition to your existing student finance

If you are eligible for Child Benefits payment you could receive £25.60 for the eldest or only child or £16.95 for the other child per week.

HIGH INCOME CHILD BENEFIT SUPPORT

The High Income Child Benefit Charge may be applicable if you or your partner possess an individual income exceeding £50,000 and meet the following criteria:

  • Child Benefit is received by either you or your partner.
  • Another individual receives Child Benefit for a child residing with you, and they contribute an equal or greater amount towards the child's expenses.
  • The fact that the child living with you is not your biological child is inconsequential

To determine whether your income exceeds the threshold, it is necessary to calculate your

I refer to your adjusted net income refers to your total taxable income our total taxable income, excluding any allowances and items such as Gift Aid. This includes interest earned from taxable income, excluding any allowances and items such as Gift Aid. This includes interest earned from savings and dividends.

To obtain an estimate of your adjusted net income, you can utilize the Child Benefit tax calculator

HOW IS THE TAX CHARGE

If both you and your partner have an adjusted net income exceeding £50,000, the individual with the higher income will be held accountable for the tax charge.

The term 'partner' refers to someone whom you are legally married to, in a civil partnership with, or cohabiting with as if you were married.

MATERNITY ALLOWANCE SUPPORT

If you are not eligible for Statutory Maternity Pay, you may be entitled to receive Maternity Allowance instead. The amount of allowance you receive is determined by your eligibility criteria.

Once you have reached 26 weeks of pregnancy, you can apply for Maternity Allowance. Payments can commence 11 weeks before your expected baby's due date.

Statutory Maternity Pay can be obtained for a maximum duration of 39 weeks, during which you will receive either £172.48 per week or 90% of your average weekly earnings (whichever amount is lower), provided that you are employed or have recently ceased working.

When opting for the full 52 weeks of Statutory Maternity Leave, it is important to be aware that the final 13 weeks will be unpaid.

IF YOU ARE SELF-EMPLOYED

The amount you receive can vary between £27 to £172.48 per week for a maximum duration of 39 weeks if you are self-employed.

The specific amount you are eligible for is determined by the number of Class 2 National Insurance contributions you have made in the 66 weeks leading up to the expected delivery date of your baby.

From the 6th of April, 2024, self-employed individuals will see a decrease in their class 4 National Insurance Contributions (NIC) from 9% to 8%. Furthermore, class 2 NIC will no longer be mandatory. However, those earning less than £6,725 per year can still opt to pay class 2 NIC to remain eligible for certain state benefits

The government will update its detailed guidance in the spring of 2024.

MARRIAGE ALLOWANCE SUPPORT

Married or civil-partnered couples can redistribute part of their personal allowance to optimise their tax position and potentially lower their total tax obligation.

This option is available to couples living together, where one partner is not using their full personal allowance and the other is a basic-rate taxpayer.

The Marriage Allowance scheme allows individuals to transfer £1,260 of their Personal Allowance to their spouse or civil partner, saving them on taxes.

Individuals can receive a tax reduction of up to £252 throughout the tax year, which starts on the 6th of April and ends on the 5th of April of the following year.

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WIDOW PARENT ALLOWANCE

The Bereavement Support Payment has taken the place of the Widowed Parent's Allowance (WPA), ensuring that those who were receiving WPA will continue to receive their payments until they are no longer eligible.

  • If your spouse or civil partner passed away before the 6th of April 2017
  • If you have not reached State Pension age, you may still be eligible for certain benefits.
  • If you have at least one child and your late spouse or civil partner was their parent, you may be entitled to receive Child Benefit.
  • If your late spouse or civil partner made National Insurance contributions during their lifetime or if their death was caused by an industrial accident or disease, you may also qualify for additional benefits

If your spouse or civil partner passes away on or after the 6th of April 2017, you might be eligible for Bereavement Support Payment instead of claiming WPA. Nevertheless, it is crucial to understand that there are certain circumstances where you cannot apply for WPA.

  • If you were legally separated, remarried, or cohabiting with someone as if married, certain provisions may apply after their passing.
  • If you reached the State Pension age before being widowed or becoming a surviving civil partner, you may be eligible for additional State Pension benefits.
  • If you are in prison

WHAT IS BACKDATED WIDOW PAYMENT ALLOWANCE?

If you cohabitate with your partner without being married or in a civil partnership, there is a possibility that you could be eligible for a retroactive payment of Widowed Parent's Allowance (WPA).

This payment, also known as a 'retrospective payment', can be claimed if you were entitled to receive Child Benefit at the time of your partner's passing.

If you received any of the listed benefits during your eligibility for WPA, it is possible that your payment, which is being made at a later date, could be reduced.

  • Universal Credit
  • Jobseeker’s Allowance
  • Employment and Support Allowance
  • Income Support
  • Incapacity Benefit
  • Carer’s Allowance

If you received Universal Credit while eligible for WPA, you may have been overpaid. You must report any retroactive WPA payment in your Universal Credit journal.

HOW MUCH WILL I GET?

The payment you receive is determined by the extent of your partner's National Insurance contributions.

The highest amount you can receive through the Widowed Parent's Allowance (WPA) is £139.10 per week.

If your partner passed away due to a work-related accident or a disease caused by work, you may be eligible to claim the WPA, regardless of whether they made National Insurance contributions.

GUARDIAN'S ALLOWANCE SUPPORT

The Guardian's Allowance can be obtained by individuals who are raising a child whose parents have passed away.

The weekly rate for Guardian's Allowance is £20.40, which is received in addition to Child Benefit and is exempt from taxation.

Informing the Guardian's Allowance Unit about specific changes in your situation is crucial.

To understand the benefit rate and allowance you could be entitled to CLICK HERE

COLD WEATHER PAYMENTS SUPPORT

The Government provides cold weather payments to individuals who receive specific state benefits during exceptionally cold winter weather.

The Social Fund Cold Weather Payments Regulations 1988 oversee this system, which falls under the jurisdiction of the Social Security Contributions and Benefits Act 1992.

Cold Weather Payments can be received if you are currently receiving specific benefits or Support for Mortgage Interest.

If you meet the eligibility criteria, these payments will be automatically provided to you without the need for an application.

You may get Cold Weather Payments if you’re getting:

  • Pension Credit
  • Income Support
  • Income-based Jobseeker’s Allowance (JSA)
  • Income-related Employment and Support Allowance (ESA)
  • Universal Credit
  •  Support for Mortgage Interest

It is important to inform Jobcentre Plus if you have a baby or if a child under 5 years old moves in with you and the payments do not affect your other benefits.

A payment will be issued to you if the average temperature in your area is recorded as, or forecast to be, zero degrees Celsius or lower for a continuous period of 7 days.

For every 7-day period of very cold weather occurring between the 1st of November 2024 and the 31st of March 2025, you will receive a payment of £25.

GET YOUR BENEFIT SUPPORT TODAY!

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