No tax credits for the third child. Does that mean some women will never be able to work?

[HowFurloughCanYouGo]

I just wondered if someone could explain it to me. I realise I'm being a bit thick.

Imagine someone who is still on tax credits, not UC. They have 5 children, 3 of which were born after the 3rd child cut off date for tax credits.

Single mum and she wants to go to work for the first time since the first child was born (this is a completely fictional person by the way).
If they don't have tax credits for the third fourth and fifth child, does that mean she wouldn't be able to work? Because she wouldn't have money for childcare?

How does that work?

@Devlesko its a nanny calculator online. Its because of pension and NI paid to nanny. Also in London, the rate is at least £10 an hour, so thats 50 hours?

They have jobs. They are not doing anything. The government is paying 80% of their salaries. If this is not welfare, I don't know what is. They are being paid up to £2500 to do nothing.

I have five children, I'm a nurse with many years experience amd a degree of seniority.
If my DH fucks off (if he dies I am well provided for insurance wise) I will simply work three nights per week and bring home circa £2.4K per month.
Not ideal and a change of circumstance but certainly doable.

I'm not religious and I don't have a hellish life presently either, for those who expressed an interest.
I chose to have five children as I found being an only child a relatively miserable existence and I enjoy having a large family.
I also have lots of extended family support and would not have chosen to have more than three were that not the case.

My third was born in 2012 so well before the cut off so I get tax credits still. I'm having baby four now after a large gap I had a look I don't think I will get anything for this baby so I've just accepted it I think I could get help towards childcare just not sure if it works out better not to work as of the cost of child care for a few years my job is reasonable but not amazing.

@HowFurloughCanYouGo

I think Mumsnet users love to debate the morals and ethics of benefits for a third child whilst receiving benefits. However, to be constructive in your situation without passing judgement...

I am no benefit expert (there are some ladies on here who do work for the DWP) but I'm pretty sure you can claim childcare costs for a third child. The call handlers aren't always the brightest sparks in the box. Its pot luck - I've had some fantastic ones and some awful ones! Have you tried adding a third child to your online government gateway account? It should then let you claim childcare.

You can claim upto £300 per week for more than one child (on tax credits).

When each child is three, they will qualify for 30 hours funded childcare (as you work). I doubt you would receive the 15 hours at two years old as you work and have a DH.

You don't say how old each child is or what you do for work, but as other users have suggested... can you and DH work around each other? Can DH maybe condense his hours? Work four long days instead of five. Can you drop a day or two a week whilst you have to pay for two in nursery? Do you have a career that you would like to progress in or would now be the opportunity to re train?

I assume you're reciving SMP? The first £100 per week is disregarded for tax credits (so you should receive more WTC whilst on mat leave) but YOU have to tell the tax credit office this - they don't do this automatically. You still can also claim child benefit for the third or subsequent children.

@Chockablok - you make some wonderful points very eloquently and I certainly agree with much of what you have said

Good luck

It's not the furloughed person's fault though.
It is 100% jealousy when people pick on another's lifestyle choice or situation.
It's not even the tax payers money, how ridiculous.
The government spend the money how they feel fit, it's fuck all to do with anyone where that money goes, it doesn't belong to the tax payer, it's taken at source for most people.

@Devlesko

It is 100% jealousy when people pick on another's lifestyle choice or situation No it isn't .

It's not even the tax payers money, how ridiculous.
The government spend the money how they feel fit, it's fuck all to do with anyone where that money goes, it doesn't belong to the tax payer, it's taken at source for most people

How ridiculous !