Husband earns over 100k. Do we get 15hrs free funding?

[Bermuda1102]

Sorry I know a lot of people have asked this but I’m still confused.

My husband earns over 100k. I earn 30k.
our son will be 2 in Jan 2024, so come April 2024, will we receive 15hrs funding from the government? Then, if we are to have another child (not pregnant yet), by the time other child is born, when they start nursery, they too will get 15hrs?

Someone said you get nothing if one earns over 100k, but I thought EVERYONE gets 15??

it’s so irritating if you compare our situation to parents who both earn 90k each. I know we’re fortunate but with my husbands salary comes higher mortgage payments and we live and work in London.

anyway, I hope someone can answer this for me.

thank you so much

What a nasty comment. There's nothing in OPs posts to suggest she gives a fuck about anyone claiming anything. You may begrudge others things, but not everyone else is like that.

She's entitled to the 15 hours when her child is 3 and she's as entitled to post here as anyone else without stupid, nasty comments.

I completely agree.

Lol. All these people making out they wouldn't claim things they're entitled to. 🙄🤡

Why should OP consider paying for childcare and not claim the 15 hours? 130k is great but doesn’t go far in the SE with young kids.

@CowboysAndCowgirls they 'sound like' people who think the money would be better spent on better funding nurseries/schools/NHS/elderly care rather than topping up bank accounts of those who can well afford it.

NOT jealous either I don't have kids in nursery.

I'm sorry but your family income is £120k and I do think it's iffy claiming those free hours and moaning about £180k families. My family income is £27k, I will desperately need those hours but will find it hard to get a place because as a pp said it's killing nurseries. I'm not jealous of your situation at all but can completely understand why people get irritated, how awful to have a 6 figure income🙄

@Lighttodark

she didn't say how much he earns over £100,000.

I live in the SE, and used to live in london, I'm well aware of the CoL in the SE.

with my husbands salary comes higher mortgage payments

You do understand those two things don’t have to go together, don’t you?

If you’re talking about the current government childcare promises, I wouldn’t bank on anything until after the next GE.

they 'sound like' people who think the money would be better spent on better funding nurseries/schools/NHS/elderly care rather than topping up bank accounts of those who can well afford it.

NOT jealous either I don't have kids in nursery

Then they should take it up with those that can change it, not come on here and be nasty to a poster asking a valid question.

🤡🤡🤡

Why on earth shouldn't the OP claim the 15 free hours in term time from age 3 which she is entitled to? That's like saying people should volunteer to pay more tax if they have some spare money.

People on this thread have absolutely no idea how

Ignore the haters. Some people are just ridiculous. As if you are going to not claim it as you earn enough to pay for it. I completely agree re the two parents earning 90k each. The system isn’t fair.

Anyway, to answer your question. Yes, you are entitled to 15 hours. If your husband is not far over the threshold, get him to decrease his income by paying extra into his pension. He can up his contributions by speaking to payroll. If he gets it down to 99,950, so just under the threshold of 100k then you’ll get the full 30 hours and you’ll be able to get the 20% top up and use tax free childcare.

In your position, I wouldn’t make any life decisions on getting the extra hours the government announced from age 1. So much can change.

Posted too soon

People on this thread seem to have no idea how universal benefits work

Telling the OP she's selfish to claim a benefit she's entitled to is like telling a pensioner they shouldn't claim their state pension because they have a decent private pension. That's a ridiculous suggestion and absolutely no one does that. The OP not claiming hours is not going to make one iota of difference to the government's finances, nor is the non-claimed benefit going to reallocated to improve the lot of someone on a lower income.

You will be eligible for 15 hours from the term after your child’s third birthday, so April 2025.

You will not qualify for 15 hours 2 year old funding or 30 hours because your husband earns over £100,000.

This.

Yes to the free 15 hours from 3 years old. And you can get the 30 hours if your husband salary sacrifices into his pension to get below 100.

Check this website https://www.childcarechoices.gov.uk/

But your child will be eligible for 15 hours from April 2025 when your child is 3. There are very few circumstances that a child aged 2 is eligible for free childcare particularly with higher earning parents.

Her husband pays over 27k in tax annually based on 100k. He is 'the taxpayer"

Why should they be deprived of any benefits they are entitled to?

Absolutely this.

The idea that if you are on a good wage then you should get rinsed for taxes but denied the benefits is abhorrent.

DH and I are both a very long way into the additional tax rate, so pay just under 47% of everything we earn via PAYE, have no personal tax allowance, don’t get child benefit, aren’t allowed to fund our pensions, but have as much right as anyone else to support with childcare costs.

Do we take it? Of course we do.

If anyone has a problem with this then that’s a “them” problem.

You are so right

It's so frustrating!!!! Just a pile on the OP. Jeez!

Yes but not until 3 years old

The OP and her husband are the tax payers.

Many of those having a pop at them aren’t, on a net basis.

The bottom three quintiles of households, the lower 60%, contribute nothing at all to the state, and are net recipients.

Thus! Ignore the haters! You are entitled to it.

What a great example to illustrate people's ridiculous response and lack of understanding of a universal benefit

Her husband pays over 27k in tax annually based on 100k. He is 'the taxpayer"

👏