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CMS age limit

256 replies

RhaenysRocks · 25/03/2025 07:23

First of all , can I plead that we keep this thread focused on the issue at hand, not all the other myriad "what about x" issues with CMS.
Currently, CMS ends when a child is 18 or leaves full time FE (but not HE). Given that very few people are now able to be financially independent of parents until at least early twenties, especially with the current situation with rents, zero hours contracts, difficulties for young people to get full time, decent employment, AIBU to argue that the rules around CMS should change. The devil is in the detail of course, but realistically, many RPs will be hosting their adult children for 3-5 years longer than traditionally was the case. If the NRP is not willing or able to have them stay 50/50 should there be an obligation to continue to support them in that case, even if it was a direct payment to the child from whom the RP then elicits rent? I really don't want a bunfight or a "I left at 16 and never looked back". It's 2025, the world has changed and even the brightest, most driven kids are often still at home beyond the age of CB.

OP posts:
Gogogo12345 · 25/03/2025 08:53

RhaenysRocks · 25/03/2025 08:29

To those saying "what about 40 yo Gary" I'm not saying limitless, just that 18 is no longer realistic. Even in the last 5 years the situation for young people looking for work is much worse. I know a 23 yo who has 16 hrs a week at Tesco's, has applied for dozens of other jobs, apprenticeships etc and he's not getting anywhere. Fortunately his dad supports him and had no intention of booting him out but his mum is long gone. It's fundamentally unfair that the gov does expect parental support to continue but only the RP is on the hook for it.

Hmm 21 year old DS. In last 5 years he's worked at McDonald's for 2.5 of them since 16 ( min of 16 hours term time and 30 plus in holidays). Then at a nightclub for a year. Now a duty manager job in a hotel ( 20 hour contract, offered more hours virtually every week) .

He's also done 2 years of college and in his 3rd year of uni.

There are jobs out there if you are not too fussy and prepared to work

RhaenysRocks · 25/03/2025 08:51

I will of course encourage them to be independent but one has SEN and is not going to be going to uni..he'll scrape some GCSEs I hope. He's not handy and would get bullied by lads on a building site much like he has through school. He'll find something but won't be self sufficient by 18.

For those saying they can claim UC..isn't it pretty poor that we'd rather tax payers support young people than make absent parents accountable? To the pp asking about the 23 yo I mentioned...he can "live" on his Tesco wages because his dad is covering most of his expenses but he couldn't live independently without claiming. His dad would rather he didn't enter that world but the fact that his mum hasn't paid a penny since he was 18 does rankle. Hed be perfectly happy with a little studio flat but we worked it out, even if cheaper parts of the UK, you need to be on about 23k to run that.

OP posts:
YourAzureEagle · 25/03/2025 08:50

RhaenysRocks · 25/03/2025 08:29

To those saying "what about 40 yo Gary" I'm not saying limitless, just that 18 is no longer realistic. Even in the last 5 years the situation for young people looking for work is much worse. I know a 23 yo who has 16 hrs a week at Tesco's, has applied for dozens of other jobs, apprenticeships etc and he's not getting anywhere. Fortunately his dad supports him and had no intention of booting him out but his mum is long gone. It's fundamentally unfair that the gov does expect parental support to continue but only the RP is on the hook for it.

I think there is confusion as to what FE & HE are, FE is anything up and to a level 3 qualification, HE is level 4 and above.

Both youngsters going to uni or to vocational training will have done level 3 in some form, from level 4 (which is then HE) there is almost always some funding mechanism available be it a student loan, bursary or the paid component of an apprenticeship.

We tend to just think of HE as university education, but that is not correct, both of the main non university based programmes, BTEC and City & Guilds go up to beyond bachelors degree level. BTEC runs to Level 7 equivalent to a masters and City and Guild to level 8 equivalent to Doctoral.

Hence CMS ends at this point.

SheilaFentiman · 25/03/2025 08:48

Jayne35 · 25/03/2025 08:44

Yes, that's what I meant, they can work while at Uni.

In theory.

in practice, lots of students try and fail to get work. If this happens, and they can’t contribute, it is currently the RP bearing that costs.

There are many NRPs who acknowledge this and continue to contribute (either directly to the child or to the RP). But if not, then the NRP is stuck with the costs. Unless (s)he makes the DC homeless.

Jayne35 · 25/03/2025 08:44

SheilaFentiman · 25/03/2025 08:43

My understanding is CMS is only payable until 20 if they are in further education eg retaking a levels and not if they are in higher education such as university

Yes, that's what I meant, they can work while at Uni.

category12 · 25/03/2025 08:44

RhaenysRocks · 25/03/2025 07:41

Interesting responses so far. Most seem to have not addressed the changing world we live in. How many 18-25 year olds do you know that are fully independent? Yes the legal age is 18 for many things but that's ignoring the reality that will now live in.

They're entitled to UC or to get a job at 18-25..

They may not be in a position to move out, but they can contribute to the household.

SheilaFentiman · 25/03/2025 08:43

Jayne35 · 25/03/2025 08:38

I think YABU, young adults should be working alongside university, CMS is already payable until 20 while they study, that's long enough. I have been a single parent, got £5 a week from dosser exh, then our teen moved in with him and I had to pay quite a bit of my FT min wage so see it from both sides.

My understanding is CMS is only payable until 20 if they are in further education eg retaking a levels and not if they are in higher education such as university

vivainsomnia · 25/03/2025 08:41

Im perfectly independent thanks, but they aren't
So focus on helping them to become so. What are their friends doing?

The vast majority of my friends' uni kids worked, even when they were able to support them, because the kids wanted to work and have a bit more pocket money anyway.

There definitely are jobs available for uni students. Some places better than others. This criteria should be part of the decision as to which uni to pick.

Jayne35 · 25/03/2025 08:38

I think YABU, young adults should be working alongside university, CMS is already payable until 20 while they study, that's long enough. I have been a single parent, got £5 a week from dosser exh, then our teen moved in with him and I had to pay quite a bit of my FT min wage so see it from both sides.

minnienono · 25/03/2025 08:38

My ex paid them directly i should add, they had access to both houses and because they mostly were with me he voluntarily sent me £300 a month but should be voluntary because not all dc have same set up

ImmortalSnowman · 25/03/2025 08:37

Dutchhouse14 · 25/03/2025 08:31

As a mum of 4 DC late teens /early 20s I whole heartedly agree. CMS should be paid until they graduate or finish an apprenticeship.
If this is too hard to administer then age should raise until 21 and perhaps between ages of 18-21 be paid directly to young person. Any responsible parent doesn't pull up the drawbridge at 18.

So only adults who go to uni should continue to get CMS? Only the smartest. Not every teenager is going to university.

x2boys · 25/03/2025 08:36

grumpyoldeyeore · 25/03/2025 08:23

My son is profoundly disabled and has EHC plan and may be in non advanced education until 25. The proposed benefit changes will mean disabled young people losing benefits to cover disability support between 20-22. It would seem sensible to me to extend CM for this group until at least age 22 where remain in higher of further education if one parent is expected to keep supporting the yp at home with all the costs that entails.

Many parents of dc with EHC plans can’t work full time or at all and are expected to take their dc to and from college if they can’t travel independently. So the govt does put expectations on parents they carrying on their parent role for disabled young people until 26.

i can’t see why the benefits bill should soar and single parents with a disabled child live in poverty while the absent parent doesn’t have to pay anything.

It is possible to claim extended CM through courts if you apply before your child is 18 and your child is disabled or going to uni but the courts only seem to do it where it’s a super wealthy family. Usually the parent carer is left in a really precarious position and a huge % live below poverty line which PIP cuts will make worse.

I do manage to work part time alongside caring and so had to make up the shortfall on my other dc student loans. Again why should ex not contribute when he can work full time with no caring responsibilities and earn more than me.

PIP is not for income it covers care and equipment and therapy it’s not supposed to be for basic living costs.

I think there will be a rethink on the proposed changes tbh in regards to those with severe disability ,my son has similar disabillities ,they are in a rather unique postion as there is no way they can get a job at 18 and support themselves it would be punitive to penslise them

Bellyblueboy · 25/03/2025 08:35

While I can see your point, we also need to be realistic.

We are talking about adults. Of course decent parents will want to ensure they give their child the best start in life, support them during those fledgling years, contribute towards university if relevant, provide a roof and food while they are finding work or earning a very low income. But I do t think it can be mandatory.

ImmortalSnowman · 25/03/2025 08:34

RhaenysRocks · 25/03/2025 08:29

To those saying "what about 40 yo Gary" I'm not saying limitless, just that 18 is no longer realistic. Even in the last 5 years the situation for young people looking for work is much worse. I know a 23 yo who has 16 hrs a week at Tesco's, has applied for dozens of other jobs, apprenticeships etc and he's not getting anywhere. Fortunately his dad supports him and had no intention of booting him out but his mum is long gone. It's fundamentally unfair that the gov does expect parental support to continue but only the RP is on the hook for it.

Single mothers work 16 hours in Tesco and manage to support themselves and a child. A 23 year old living with his dad can't manage on £200 a week?

minnienono · 25/03/2025 08:33

For higher education parents should support their dc directly not via their ex partner. You can’t make even resident parents fund university

Dutchhouse14 · 25/03/2025 08:31

As a mum of 4 DC late teens /early 20s I whole heartedly agree. CMS should be paid until they graduate or finish an apprenticeship.
If this is too hard to administer then age should raise until 21 and perhaps between ages of 18-21 be paid directly to young person. Any responsible parent doesn't pull up the drawbridge at 18.

RhaenysRocks · 25/03/2025 08:29

To those saying "what about 40 yo Gary" I'm not saying limitless, just that 18 is no longer realistic. Even in the last 5 years the situation for young people looking for work is much worse. I know a 23 yo who has 16 hrs a week at Tesco's, has applied for dozens of other jobs, apprenticeships etc and he's not getting anywhere. Fortunately his dad supports him and had no intention of booting him out but his mum is long gone. It's fundamentally unfair that the gov does expect parental support to continue but only the RP is on the hook for it.

OP posts:
YeezyBreezy · 25/03/2025 08:26

@Chaseandstatus sorry… their dad is still paying 50% of the previous maintenance amount for 2 adults and you think he is the problem??

Why aren’t your 18 & 20 year olds earning anything or contributing to their own costs?

ImmortalSnowman · 25/03/2025 08:26

RhaenysRocks · 25/03/2025 07:44

I'm actually thinking more about FE routes rather than uni, though I would dispute that they are away most of the time. Uni terms are only 10 weeks and if you're in halls, you don't have a 12 month contract. Jobs are not as easy to come by as they once were. Realistically, most RPs are not going to chuck their offspring out until they are ready for it and NRPs know that.

Child maintenance, like child benefit is not stopped at 18 if they are in further education. It's 20.

Pebblesonthebeach40 · 25/03/2025 08:23

No

grumpyoldeyeore · 25/03/2025 08:23

My son is profoundly disabled and has EHC plan and may be in non advanced education until 25. The proposed benefit changes will mean disabled young people losing benefits to cover disability support between 20-22. It would seem sensible to me to extend CM for this group until at least age 22 where remain in higher of further education if one parent is expected to keep supporting the yp at home with all the costs that entails.

Many parents of dc with EHC plans can’t work full time or at all and are expected to take their dc to and from college if they can’t travel independently. So the govt does put expectations on parents they carrying on their parent role for disabled young people until 26.

i can’t see why the benefits bill should soar and single parents with a disabled child live in poverty while the absent parent doesn’t have to pay anything.

It is possible to claim extended CM through courts if you apply before your child is 18 and your child is disabled or going to uni but the courts only seem to do it where it’s a super wealthy family. Usually the parent carer is left in a really precarious position and a huge % live below poverty line which PIP cuts will make worse.

I do manage to work part time alongside caring and so had to make up the shortfall on my other dc student loans. Again why should ex not contribute when he can work full time with no caring responsibilities and earn more than me.

PIP is not for income it covers care and equipment and therapy it’s not supposed to be for basic living costs.

Chaseandstatus · 25/03/2025 08:22

I hear you OP. I’m a single mother, DC are 20 and 18, one stays 2 nights a month at their dads and the other never goes. I pay pretty much everything for everyone, as their start of adulthood has gone in fits and starts and they need steadiness and reliability. Ex pays 50% of what he should do but as it’s only for a few more months it’s not a battle I need to take on.

Maybe it’s my own fault for not picking a decent man to have kids with all those years ago.

But if I can just keep going then in 5 years or so I think I may have adult kids that are independent and happy. And who have not heard me badmouth their dad.

FairlyTired · 25/03/2025 08:21

So presumably if the RP gets the young adult to move out they are then also giving them child maintenance until 25? That would be ridiculous and in many cases cause remaining children to suffer financially.
Also do you want CB to carry on until 25?

UndermyShoeJoe · 25/03/2025 08:19

What about cases where 40 year old Gary never left home. Never flew the nest.

HoskinsChoice · 25/03/2025 08:19

Surely the resident parent is at an advantage as they now have an additional adult in the home who is old enough to share the bills and costs of running a household?