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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

To ask this about child disability

30 replies

Allgoodusernamesweretaken · 05/02/2023 21:11

Another user's thread made me question this...
A bit of a question, as I was never aware of the 50k yearly salary (maybe I did but I am far from 50k a year and so was my partner when we first applied) and I dont really know how much my partner earns at the moment! I presumed the sum was 100k like in case of tax free childcare...

We have separate accounts and split the bills etc and pay different things form our personal accounts, so I never really asked him what he earns.
I actually figured out now he may have gone up over 60k when he changed jobs mid last year, which means we would have to repay the child benefits altogether for the last year. If this is the case, we will obviously do, but... how would they know why we're stopping? Or when will they figure out we should not be getting them anymore?

The CB is paid into my account. I earn under 40k.

We dont have a spare 1600 to pay back in a lump sum. We have high outgoings and have been paying through the noses for private therapy for our disabled child. I am happy to stop the child benefit immediately, but I wonder if that will make it look 'suspicious' and they will not just stop them but send us the bill?And if they will be able to figure out why we stopped them?

OP posts:
Darthwazette · 05/02/2023 21:14

I think they’ll find out eventually

LIZS · 05/02/2023 21:14

When you say "mid last year" is that 2022? If so you would not be due to repay until January next year. Even then he may not have gone over 60k from April 2022- April 2023 if his rise was mid year.

Binfluencer · 05/02/2023 21:17

Why are you posting here instead of asking your partner:

a) What he earns

b) Why he isn't taking responsibility for this situation?

Original poster
Allgoodusernamesweretaken · 05/02/2023 21:19

Binfluencer · 05/02/2023 21:17

Why are you posting here instead of asking your partner:

a) What he earns

b) Why he isn't taking responsibility for this situation?

Because he's not around.
I figured out it will be over 60k without asking.
And because I was the one to apply so all the bits are in my name. I

OP posts:
Original poster
Allgoodusernamesweretaken · 05/02/2023 21:20

LIZS · 05/02/2023 21:14

When you say "mid last year" is that 2022? If so you would not be due to repay until January next year. Even then he may not have gone over 60k from April 2022- April 2023 if his rise was mid year.

Yeah, July or so. He was under 50k until then.

OP posts:
wandkands · 05/02/2023 21:20

Someone I worked with genuinely didn't realise their partners wage had gone over the limit, they ended up with over £3000 to pay back! Don't ignore it.

Original poster
Allgoodusernamesweretaken · 05/02/2023 21:24

wandkands · 05/02/2023 21:20

Someone I worked with genuinely didn't realise their partners wage had gone over the limit, they ended up with over £3000 to pay back! Don't ignore it.

Wasn't planning to, but just panicked now!

OP posts:
windyarse · 05/02/2023 21:25

What are you asking about disability?

LIZS · 05/02/2023 21:27

So just cancel payments. He may be asked to self assess once hmrc run his p60.

Hellocatshome · 05/02/2023 21:34

I dont understand what this has got to do with disability. Tell your DH he needs to fill in a tax return and repay any child benefit owed.

Original poster
Allgoodusernamesweretaken · 05/02/2023 21:41

Sorry the title was meant to be child benefits, but auto corrected into disability with my sausage fingers typing on my tiny phone.

OP posts:
RandomMess · 05/02/2023 21:46

It depends on his pension contributions though. He needs to fill in a tax return after April. See what happens

Binfluencer · 06/02/2023 07:07

@Allgoodusernamesweretaken

Yes but he's the one liable to pay it back not you, via his self assessment. Even if you're the claimant

Just text him and tell him he needs to do self assessment.

This is him problem, not a you problem

LanaCara · 06/02/2023 08:06

He will have to do a self assessment and be honest about dates, what's the point in risking anything when he obviously earns well so just needs to pay it back.

FeedMeSantiago · 06/02/2023 09:04

DH needs to pay the High Income Child Benefit Tax Charge.

Don't stop claiming Child Benefit as it gives you National Insursnce credits which count towards your state pension and gives your child their NI number in the future.

DH either needs to pay the tax charge in future or if he wants to avoid paying, you can claim child benefit and opt out of the payments. That way you keep the NI Credits and NI number for your child.

Praying4Memory · 06/02/2023 09:10

FeedMeSantiago · 06/02/2023 09:04

DH needs to pay the High Income Child Benefit Tax Charge.

Don't stop claiming Child Benefit as it gives you National Insursnce credits which count towards your state pension and gives your child their NI number in the future.

DH either needs to pay the tax charge in future or if he wants to avoid paying, you can claim child benefit and opt out of the payments. That way you keep the NI Credits and NI number for your child.

This is not how it works. The NI credits are for the parent claiming not the child and have nothing to do with the child getting an NI number.

It's sometimes recommended to keep claiming if you are a stay at home parent with a partner who earns too much so that you continue getting credit towards a pension. But the OP has a well paying job so is already getting credits. It's just going to be money paid into her bank and taken straight back onto her partners tax bill for no benefit.

Heronwatcher · 06/02/2023 09:12

Yeah, he needs to work out his salary and the qualifying amount (i.e. whether he’s over the threshold) and then complete a self-assessment for any year when he was over the threshold. They don’t have to come and find you, you have to declare it. But the good news is that your self assessment is due by 31 Jan for the previous tax year (so assessments have just been made for the year 2021-22) so if his salary only went over the limit then you should have until 31 Jan next year to pay. If you do the self assessment sooner they may be able to deduct tax owing from the salary of your DH by taking it directly via his tax code, but don’t put it off and assume you can pay by instalments- I’d definitely be trying to come up with a rough figure myself and saving that much if possible. You really don’t want to have to pay interest/ penalties.

Nocutenamesleft · 06/02/2023 09:47

FeedMeSantiago · 06/02/2023 09:04

DH needs to pay the High Income Child Benefit Tax Charge.

Don't stop claiming Child Benefit as it gives you National Insursnce credits which count towards your state pension and gives your child their NI number in the future.

DH either needs to pay the tax charge in future or if he wants to avoid paying, you can claim child benefit and opt out of the payments. That way you keep the NI Credits and NI number for your child.

Shit. Really? I've never claimed child benefit. I knew about the NI cos they had a go at me for not getting it for my second child. But they do get it like 2 weeks late. That's what they told me. But I didn't know about tax contributions

FeedMeSantiago · 06/02/2023 10:30

Praying4Memory · 06/02/2023 09:10

This is not how it works. The NI credits are for the parent claiming not the child and have nothing to do with the child getting an NI number.

It's sometimes recommended to keep claiming if you are a stay at home parent with a partner who earns too much so that you continue getting credit towards a pension. But the OP has a well paying job so is already getting credits. It's just going to be money paid into her bank and taken straight back onto her partners tax bill for no benefit.

Show quote history

It is how it works. If you claim Child Benefit you get NI Credits automatically until your child is 12 regardless of whether you are paying NI through work or not. If the claim is live when your child is of an age to get their NI number they will get this automatically. Otherwise they won't get an NI number and will need to apply for one.

If you claim Child Benefit and opt out of the Child Benefit payments you still get the NI Credits plus your child will get their NI number ahead of their 16th birthday. That way no tax is due as you haven't been paid Child Benefit but you still get the non monetary benefits of NI Credits and later the NI number for your child.

It's all in the guidance: www.gov.uk/child-benefit

misskatamari · 06/02/2023 10:36

He’ll need to fill in a self assessment form. They’re a massive pain in the arse to do! Can you two have a sit down and proper discussion about finances? It just seems a bit odd you've no idea what he earns etc.

Weve had to do the self assessment the last couple of years as DHs bonuses sometimes take him over the threshold, but I’ve been a sahm so we’ve kept claiming for my NI contributions (this year I’ve paid the CB into a separate account, so I have it ready to pay back when needed). Definitely try and deal with it sooner rather than later, you don’t want to get caught out with a huge bill to pay back

Original poster
Allgoodusernamesweretaken · 06/02/2023 17:10

LanaCara · 06/02/2023 08:06

He will have to do a self assessment and be honest about dates, what's the point in risking anything when he obviously earns well so just needs to pay it back.

On paper we both earn well. But our child's provate SEN diagnosis and therapy rinsed us out and we spend most disposable income on that. Mortgage and rising bills mean we actually don't earn that well after all.

OP posts:
Original poster
Allgoodusernamesweretaken · 06/02/2023 17:13

misskatamari · 06/02/2023 10:36

He’ll need to fill in a self assessment form. They’re a massive pain in the arse to do! Can you two have a sit down and proper discussion about finances? It just seems a bit odd you've no idea what he earns etc.

Weve had to do the self assessment the last couple of years as DHs bonuses sometimes take him over the threshold, but I’ve been a sahm so we’ve kept claiming for my NI contributions (this year I’ve paid the CB into a separate account, so I have it ready to pay back when needed). Definitely try and deal with it sooner rather than later, you don’t want to get caught out with a huge bill to pay back

I never found it odd- we split bills etc and pay them from our own bank accounts. I knew more or less what he used to get but then changed jobs and we never discussed it.

OP posts:
Original poster
Allgoodusernamesweretaken · 06/02/2023 17:14

I will ask him to do to self assessment- but since I hav e been getting the money, I will be the one paying it back, and atm I dont have any .

Will they be asking us to fill it in now I cancelled the payments?

OP posts:
LIZS · 06/02/2023 17:17

Not due until January next year. But once hmrc become aware of his new earnings he would be asked to submit a sa. Bear in mind you have all benefitted from this money so it is his bill to pay. You also have a year to set aside money towards it.

Hellocatshome · 06/02/2023 17:18

Allgoodusernamesweretaken · 06/02/2023 17:14

I will ask him to do to self assessment- but since I hav e been getting the money, I will be the one paying it back, and atm I dont have any .

Will they be asking us to fill it in now I cancelled the payments?

Well if you dont have the money to pay back surely he can pay it back. I understand you have split the bills etc but surely he will cover a cost you are unable to? What would he do if you couldn't afford one of the other bills or food etc?

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