Child benefit over £50k

[childbenefithelp]

DH has recently been promoted and will earn exactly £50k gross PA.

I don't work due to illness. I look after our 2yo and I'm currently pregnant. I claim PIP and Child Benefit. I'd like to claim ESA but have been putting it off for various reasons. Not really relevant!

I think I need to keep claiming CB for my National Insurance credits - is this correct? I've heard vague things about having to pay more tax if you claim CB - does this happen automatically or does DH have to do something himself?

Can I claim CB for the new baby? It's important to me to have these payments into my own bank account, because I don't like asking for "pocket money" or an allowance, if you know what I mean. It's important to me to be able to take the children out by myself and pay for things for them myself.

We are fucking clueless, never dreamt we'd be in this position of earning such a high amount. Explain it to me like I'm an idiot, please! Thank you

If he is earning exactly £50k then no he won't need to do a tax return. Assuming his pension contributions amount to at least £1 a year then his countable earning will be less than £50k so you're entitled.

I wasn't being rude actually op I was wondering if you were so worrying so much about CB that you didn't have access to the house hold income.

It's cool under I didn't think you were being rude. Just wanted to clarify my situation to avoid derailing the thread.

Titchy summarised what I badly said in my posts. Sorry 😳

Everyone is eligible to claim child benefit. If you earn between £50 and £60k you pay back a proportion and the amount is determined by the high earner completing a tax return. Once you go over £60k it all gets paid back. You can claim child benefit and opt out of the payment if you know it would all need to be paid back (this is what I do). This protects your national insurance credits until your youngest child teaches age 12

If your DP earns £60k and makes pension payments, childcare vouchers etc, does that reduce the amount of deduction to CB does anyone know, or does it automatically go to zero CB based on your DP's wage.

You claim full CB, that's best.

Then he repays what's needed in tax return; if deductions take it down, then the calculation won't show that a repayment is required

...or will show a smaller repayment is required

Set yourself up for a government gateway account and you can log in and look at your NI comtributions.

My account shows everything right back to my first Saturday job when I was 16, giving the totals paid each year. It will also tell you how many years credit you have, and how many years you need to qualify for your state pension. In my case, because I worked and then claimed CB for a child before the cap came in, those credits remain accumulating until my child is 18 , irrespective of the fact we aren't getting any more CB.

Or if you don't have an online gateway account, phone the NI helpline and ask them

Not sure about the CB but I don't think you'd get ESA unless you have paid enough NI contributions in the past two years to apply for the contributions based one.

Babyroobs I know, I wish I'd done it as soon as I relapsed. I don't have the energy for the forms and medicals anyway.