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Your rights and benefits 142 Anything else? If your family has no other income, you will probably be entitled to income-based Jobseeker’s Allowance and other benefits for families on low incomes (see section below). B ENEFITS FOR FAMILIES CHILD TAX CREDIT AND WORKING TAX CREDIT Two new tax credits were introduced in April 2003 – Child Tax Credit and Working Tax Credit. The Child Tax Credit is financial support for children, bringing together the child elements from Income Support, Income-based Jobseeker’s Allowance, Working Families Tax Credit, Disabled Persons Tax Credit and the Children's Tax Credit. It is paid to the main carer (usually the mother), and the same rules will apply to all families whether or not they work. What is it? Child Tax Credit gives financial support for children. It can be claimed by lone parents or couples with one or more children. Nine out of ten families with children will get this new tax credit. Working Tax Credit will help people in lower paid jobs by topping up their wages. Who gets it? The Working Tax Credit can be claimed by single people or couples, with or without children, who work enough hours each week. You must be working at least 16 hours each week if: you have dependant children and/or • you have a disability. Otherwise, you must be 25 or over and work at least 30 hours a week or your partner works less than 24 hours per week. You can be treated as if you are working during Ordinary Maternity Leave (usually leave with Statutory Maternity Pay or Maternity Allowance), and were working enough hours immediately before starting your maternity leave. Help with childcare costs? Working Tax Credit can include a childcare element to help with the cost of approved childcare where a lone parent or both partners in a couple work for at least 16 hours a week or one partner works at least 16 hours a week and the other is disabled, in hospital or in prison. The childcare element is worth up to 80% of the eligible childcare costs, up to a weekly maximum of £175 for one child and £300 for two or more children, paid to the main carer. How do I claim tax credits? Both Child Tax and Working Tax credits can be claimed using the same form, obtained by phoning the helpline on 0845 300 3900 (in Northern Ireland 0845 603 2000/textphone 0845 607 6078). How much will I get? The amount you get will depend on your current circumstances, e.g. the number of children in your household, the number of hours you and your partner work, and your household’s gross income for the last tax year. Claims for the current tax year will initially be based on the previous tax year’s income. Awards will run until the end of the tax year. If there is a change affecting the amount you can ask for the award to be adjusted from the date of the change, e.g. if your wages fall significantly during the current tax year because you are going on maternity leave, or following the birth of your baby, but it can only be backdated up to a maximum of three months. Maternity Allowance or the first £100 a week of Statutory Maternity Pay will be ignored as income. Families with children, with an annual income of £50,000 or less, will get at least £545 a year. A single parent staying at home to look after a child under one year old will get £2,390 a year in tax credits. Anything else? If you get tax credits you may also be able to get the £500 Sure Start Maternity Grant (from DWP) and help with fares to hospital for treatment (including antenatal appointments). INCOME-BASED JOBSEEKER’S ALLOWANCE (JSA) AND INCOME SUPPORT What are they? Weekly payments for people who are not in work and do not have enough to live on. If your family income falls below a set level the benefit will ‘top it up’. This means that you may be able to get Income Support even if you are already getting Statutory Maternity Pay, Maternity Allowance, Incapacity Benefit or some income from part-time work.
Your rights and benefits Who gets them? You can claim income-based Jobseeker’s Allowance if you are 18 or over and you are actively seeking work. Usually you would claim this benefit if you are living with your partner and you are both unemployed or one or both of you work part time. You should also claim it if you are single and unemployed but your baby has not been born yet. If you are 16 or 17 years old and face severe hardship you may be able to claim before your baby is born. You should get further advice about this. You can claim Income Support if you are 16 or over and cannot be available for work. This would be because you are a single parent or because you are 29 weeks pregnant or more. You may also get Income Support if you are single and pregnant and you are too sick to work. You cannot claim either income-based Jobseeker’s Allowance or Income Support if you have a partner who lives with you and who works for 24 hours or more a week, or if you work for more than 16 hours a week, or if you have savings of more than £16,000. How much is it? This depends on your age and the size of your family, and on what other income you have. If you are under 25 or have more than £6,000 in savings you get a lower rate. If you are claiming during pregnancy you should let the Jobcentre Plus/Social Security Office (Jobs & Benefits office) know as soon as the baby is born. How do I claim? To claim income-based Jobseeker’s Allowance, either you or your partner must go to the Jobs & Benefits office in person. To claim Income Support, fill in form A1, which you may get from a Jobs & Benefits office. The benefit is paid directly into your bank account or by cheque. If you are claiming income-based Jobseeker’s Allowance, you will have to go to the Jobs & Benefits office every fortnight to ‘sign on’ to show that you are available for work. If you are claiming Income Support, you do not need to ‘sign on’. Anything else? If you get Income Support or income-based Jobseeker’s Allowance, or any element of Pension Credit, you can claim other benefits, such as a £500 Sure Start Maternity Grant, help with fares to hospital, Council Tax Benefit/Housing Benefit. You may be able to get help with mortgage interest payments. You can get help from the Welfare Food Scheme or <strong>Health</strong>y Start if you get Income Support, income-based Jobseeker’s Allowance or Child Tax Credit but not Working Tax Credit with an annual family income of £14,495 or less (2007/08 figures). See below for more information on all these benefits. £500 SURE START MATERNITY GRANT FROM THE SOCIAL FUND What is it? A lump sum payment (a grant which you do not have to pay back) to help buy things for a new baby. Who gets it? Pregnant women and new parents who are getting income-based Jobseeker’s Allowance, Income Support, Pension Credit or Working Tax Credit, where a disability or severe disability element is included in the award or Child Tax Credit at a rate higher than the family element. How much is it? £500 for each baby that is expected, born, adopted, the subject of a parental order (following a surrogate birth) or, in certain circumstances, the subject of a residence order. If you have more than £500 in savings the payment will be reduced. This means that all women getting one of the qualifying benefits above will get the full grant of £500. How do I claim? Claim using form SF100 (Sure Start), which you can get from your local Jobs & Benefits office. You can claim any time from 11 weeks before the due date until three months after the birth, adoption or date of parental or residence order. If you are adopting or, in certain circumstances, been granted a residence order, your baby must be aged under 12 months old at the date of claim. Part of the form will need to be completed by your midwife, GP or health visitor – this is to confirm when your baby is due or actually born, and that you have received advice about the health and welfare of yourself and your baby. If you can’t get income-based Jobseeker’s Allowance, Income Support, Pension Credit, Working Tax Credit or Child Tax Credit until after your baby is born, you must still claim the Sure Start Maternity Grant within the three month time limit. 143
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Birth five to This book gives you a
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Birth five to Your complete guide t
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1 The first weeks There’s somethi
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The first weeks SCREENING AT A GLAN
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The first weeks B REASTFEEDING Brea
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The first weeks 2 Be patient… Sta
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The first weeks Allow your baby to
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The first weeks USING BREAST PUMPS
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The first weeks STERILISING All the
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The first weeks Follow the manufact
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The first weeks S LEEPING Some babi
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The first weeks room is too hot.
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The first weeks If you’re finding
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The first weeks NAPPY RASH Most bab
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The first weeks WASHING AND BATHING
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The first weeks T WINS ( OR MORE) P
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YEARS MONTHS 1 2 3 4 5 6 7 8 9 10 2
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How your child will grow • Walk o
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How your child will grow BRUSHING Y
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How your child will grow HEIGHT AND
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How your child will grow You should
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3 Learning and playing What we call
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Learning and playing I DEAS FOR PLA
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Learning and playing H OW TO MAKE S
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Learning and playing TRANSITION FRO
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Learning and playing MAKING CHILDCA
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4 Habits and behaviour There are so
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Habits and behaviour PROBLEMS WITH
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Habits and behaviour • By twelve
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Habits and behaviour A NEW BABY IN
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Habits and behaviour • Sometimes
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Habits and behaviour time he or she
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Habits and behaviour out to buy one
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5 Feeding your child Food is one of
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Feeding your child - push the bowl
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Feeding your child ALLERGIES Babies
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sensible for adults, but not for ba
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Feeding your child • Squashes, fi
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Feeding your child FAMILY F OOD For
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Feeding your child ‘When you go s
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Feeding your child Types of vegetar
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Feeding your child • Fruit and ve
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Feeding your child F OOD SAFETY You
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Feeding your child • If your chil
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6 Illness and accidents Every child
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Illness and accidents ● ● out-o
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Page 95 and 96: Illness and accidents D IARRHOEA YO
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Page 99 and 100: Illness and accidents Alternative t
Page 101 and 102: Illness and accidents After these m
Page 103 and 104: Illness and accidents ILLNESS INFEC
Page 105 and 106: Illness and accidents practice nurs
Page 107 and 108: Illness and accidents swelling wher
Page 109 and 110: ecome a carrier and develop serious
Page 111 and 112: Illness and accidents ❑ ❑ ❑
Page 113 and 114: Illness and accidents ● ● ●
Page 115 and 116: Illness and accidents IF YOUR CHILD
Page 117 and 118: Illness and accidents at the knee a
Page 119 and 120: Illness and accidents THINGS STUCK
Page 121 and 122: Illness and accidents W HEN A CHILD
Page 123 and 124: Your own life P HYSICAL PROBLEMS A
Page 125 and 126: Your own life visitor about other l
Page 127 and 128: Your own life Stress also comes fro
Page 129 and 130: Your own life • Share the housewo
Page 131 and 132: Your own life • Suggest a regular
Page 133 and 134: 8 Your services There is a wide ran
Page 135 and 136: Your services H OW TO CHANGE YOUR G
Page 137 and 138: make. The money cannot be taken out
Page 139 and 140: Your rights and benefits of childca
Page 141 and 142: Your rights and benefits child’s
Page 143: Your rights and benefits Anything e
Page 147 and 148: Your rights and benefits HOUSING BE
Page 149 and 150: USEFUL ORGANISATIONS Some of these
Page 151 and 152: Council for Disabled Children 8 Wak
Page 153 and 154: INDEX A accidents 108-18 additives
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