Cba to read the whole thing but its not a straightforward as you think to claim the Continuity of Education Allowance in HMForces. There are so many myths and I get sick of people thinking we claim "just to send your kids private".
There are very strict guidelines and the allowance does not cover the whole fees whether you opt for private or state BS. There is a ceiling that falls around £12k a year below what most private senior boarding schools charge (the allowance does not cover the full fees advertised on BS websites - it goes to a certain point and we top up the shortfall), which is alot more that the minimum 10% contribution required by the serving member.
The allowance is there to provide continuity of education for children of mobile members (proved to be mobile through a very strict line of command) no matter what service or rank. If a mobile army private can afford the shortfall and all additional expense that go with BS then they can send their DC just as much as some of the senior officers. The allwance is not limited to HMForces but certain other Government depts too.
The allowance is for BS and not for independent school. The current allowance would cover state school boarding fees and the claiming serving person would still be expected to contribute a minimum of 10% themselves.
When selecting your BS it has to be from an approved list provided by the SCEAS (Service childrens education service). This list has both state and private schools on it. They insist you consider a minimum of 3 schools and once you apply you have to state the reasons on your application for choosing the school you have and the reasons for deciding against the others.
You have to remove your child from BS if you remain in the same posting for more than 3 consecutive years (this is a fairly new rule). Once you withdraw your child from boarding you can never apply to claim CEA again.
The spouse of the serving member must always accompany the serving member on all postings and live continuously at the same address.
Every 2 years a new mobility certificate through the chain of command has to obtained to continue claiming.
This is just a small snippet of some of the rules, there are loads more but I will be typing all night, but it is certainly not handed out willy nilly.
However, there like with all benefits and allowances in all walks of life - people that take the piss out of the system. However since the review a few years back I fail to see how it would be possible for people to continue claiming without meeting the new requirements, which are heavily checked and audited. You are right, this is a massive allowance and they are desperate to cut it and so yes they are making it very hard to claim (compared to a few years ago), to continue claiming and heavily audit those that do. There is also a telephone number to report people suspected of claiming the allowance but breaking the rules.
As a parent of DC at BS thanks to this allowance (2 DC with 9 schools behind them before now) I can say we considered lots and lots of schools. When considering leaving your child - you have to "click" and actually like the place. When actually faced with a decision as to where you will leave your children having absolutely no idea where in the world you may end up in 2,3, 5 years time, its damn hard. We found schools which we liked the school side but were not happy with the boarding side and vice versa.
Out of loads and loads of schools it was very hard to find one that we liked for both our DC (it was important to us that they remain together) that we liked both school side and boarding side. We considered both state and boarding schools but one thing that really was top of our list (for us) was that the school must be within a couple of hours drive from relatives - who could get there in an emergency should we be overseas or the other end of the UK. This limits your choice of schools per se.
Another HUGE and important factor was that the school should be a proper FULL boarding school. By this I mean that it does not empty out at weekends with just a handful of kids stuck there at the weekend. We may live an hour down the road from the school at one point so close enough for weekends home but we may live abroad 12 months later. Lots of state and private boarding schools claim to be FULL boarding but when you dig deeper on school visits and actually ask for exact numbers of kids in beds on Fri,Sat and Sun nights - you get a very different answer.
Another huge factor for use was cost. Despite the generous allowance I would say 75% of schools were unable to be considered as we would struggle to pay the fee shortfall and extras that go with BS.
What I am trying to say is that when you narrow down your serious realistic options - there actually is not that much choice of school for parents requiring a proper full boarding school able to cater properly to the requirements of Forces families, with their short notice moves anywhere across the UK and world. In a perfect world there would be lots of state boarding schools providing proper full boarding provision. Sadly, although some do,not many of 30 odd State BS do. Likewise in the independent sector - being able as a parent to have the choice of both sectors widens our choice of being able to find the most suitable school.
In case you are wondering - we are considered "Junior ranks" definately not officers and we have used both (changing at the end of junior/prep at age 13).