Do You Get Child Benefit For 3rd Child?

In the UK, Child Benefit is a payment from the government designed to help parents with the costs associated with raising children. A common query among families with a third child regards their continued entitlement to this benefit. 

Therefore, in this article, you will learn:

– The relevance of Child Benefit for your family’s financial planning.

– Essential details about eligibility and claiming processes for Child Benefit.

– Insights into the Child Benefit system, including caps and additional support measures.

– How this knowledge can help you make informed decisions about family benefits.

– Steps to take if you wish to apply for Child Benefit or related support.

Table of Contents

Can You Get Child Benefit for a 3rd Child?

The short answer is yes, but, this entitlement comes with certain conditions due to policy changes introduced in 2017. Under these changes, known as the ‘two child limit’, families can usually claim Child Benefit for their first two children only. 

However, there are situational exceptions, such as for multiple births or particular compassionate circumstances.

The Child Benefit payment is a monthly amount that can help with the cost of living for families. It is typically paid for each child that qualifies. For the 3rd child or any additional children, you may still be eligible, subject to meeting certain criteria. 

It’s important for parents to check the latest guidance from the Child Benefit Office to understand their entitlement. Understanding the specifics about Child Benefit for a 3rd child can help parents plan their finances and ensure that eligible families do not miss out on potential benefits. 

Eligibility Criteria for Child Benefit in the UK

Meeting the eligibility criteria is key to accessing Child Benefit. In general, Child Benefit can be claimed by anyone responsible for a child under 16 or a young person under 20 in approved education or training. 

This benefit does not depend on income or savings, however, if an individual or their partner earns over £50,000 a year, a tax charge applies.

For families with more than two children, the eligibility for receiving Child Benefit for a 3rd child or subsequent children depends on particular exceptions to the two child limit. 

These exceptions can include cases of adoption, kinship care, or multiple births. It’s advisable to consult with Citizens Advice or the Child Benefit Office to clarify your family’s eligibility.

You can also watch this video on Youtube here.

How to Claim Child Benefit for Additional Children

Claiming Child Benefit requires filling out a claim form, which can be obtained from the Child Benefit Office or downloaded online, and upon completion, sending it to the HM Revenue & Customs (HMRC) along with the child’s original birth or adoption certificate. 

For additional children, parents must inform the Child Benefit Office of the details of their child.

In situations where Child Benefit is claimed for a 3rd child, parents should provide information that supports their eligibility, especially if they believe they’re an exception to the two child limit. This might involve completing further paperwork. 

Parents may also need to update their claim if they are already receiving Child Benefit, Universal Credit, or other benefits such as Child Tax Credit or Working Tax Credit.

Claiming of child benefit can only be backdated for up to 3 months. Thus, making a claim promptly after the child is born or comes to live with you will ensure that you receive all the payments you are entitled to. 

For families also receiving Universal Credit, it’s worth noting that claiming Child Benefit can help protect your National Insurance credits, which contribute towards your state pension.

Impact of Child Benefit Caps on Families

The introduction of the two child limit on Child Benefit has had a significant impact on larger families. This policy means that, in most cases, Child Benefit will not be provided for a 3rd child born on or after 6 April 2017, unless specific exceptions apply.

Families affected by the cap may need to seek additional support, such as the Best Start Grant or Tax-Free Childcare. For those on low incomes, benefits like Income Support, Housing Benefit, and Pension Credit may be an option. 

It’s crucial for affected families to explore all available options and to seek advice from Citizens Advice or other support agencies.

Staying informed on the latest policy changes regarding child benefit can help families to better prepare for their financial future. Larger families may need to adjust their budgets and seek out alternative forms of assistance to ensure their children’s needs are met. 

Understanding the rules on child benefit, knowing how to navigate the claim process, and being aware of the broader impact on family finances are essential for parents and guardians.

Advantages and Disadvantages of Child Benefit for the Third Child

In this section, we will explore some of the advantages and disadvantages related to receiving Child Benefit for a third child.

Eligibility Criteria for Child Benefit in the UK

Advantages of Child Benefit for the Third Child

Understanding the benefits of receiving Child Benefit for a third child can help parents make informed decisions. Here are seven advantages that come with this entitlement:

1) Financial Support for Larger Families

– The additional income from Child Benefit can help larger families meet the cost of raising an additional child and can be used for a variety of child-related expenses, including clothing, food, and educational materials.

2) Contribution to Childcare Costs

– For families eligible for Tax-Free Childcare or Child Tax Credits, Child Benefit payments can contribute towards covering these childcare costs.

– This assistance can be crucial for parents who are working or studying and require childcare services for their children.

3) Access to Healthy Foods

– Child Benefit can help ensure that all children in a family have access to nutritious and healthy foods. Adequate nutrition is key to a child’s development and can lead to better health and wellbeing outcomes in the long term.

"The Child Benefit payment is a monthly amount that can help with the cost of living for families. It is typically paid for each child that qualifies. For the 3rd child or any additional children, you may still be eligible, subject to meeting certain criteria."

4) Support for Single Parents

– Single parents often face additional financial pressures, and Child Benefit provides vital support that can help ease the burden of raising multiple children on a singular income.

– This benefit can be particularly important for single parents of a larger family, where the cost per child is often higher.

5) Assistance with Education Costs

– Child Benefit can help cover the costs associated with a child’s full time education, such as school uniforms and supplies.

– This is especially beneficial for families where all children, including the third child or additional children, are in school or approved education settings.

6) Protection Against Poverty

– Regular Child Benefit payments can help protect families from child poverty.

– For those with lower incomes, the benefit can make a significant difference in maintaining a stable financial situation.

7) Maintenance of National Insurance Credits

– Claiming Child Benefit can help the parent or guardian maintain their National Insurance contributions record.

– This is important for securing future entitlements, such as the state pension, particularly for parents who may spend time out of work due to childcare responsibilities.

How to Claim Child Benefit for Additional Children

Disadvantages of Child Benefit for the Third Child

While Child Benefit offers numerous advantages, there are also some potential drawbacks, especially following the introduction of the two child limit. Here are seven disadvantages associated with the benefit for larger families:

1) The Two Child Limit

– The two child limit policy restricts Child Benefit for families with more than two children, potentially excluding the third child from receiving payments.

– This cap places considerable financial strain on larger families.

2) Impact on Adjusted Family Net Income

– For high income families, the High Income Child Benefit Charge can reduce the overall benefit amount and incentive for receiving the provision.

– This can affect the adjusted family net income, making it more challenging to budget for a third child’s needs.

3) Complexity of Claim Process

– The process of claiming Child Benefit, especially with the additional paperwork for exceptions to the two child limit, can be complex and time consuming.

– Parents may find it difficult to navigate the system, which can lead to delays or missed payments, particularly when parents are time-deprived due to work and childcare commitments.

4) Limitations for Disabled Children

– While there are exceptions to the two child limit for disabled children, the process of proving eligibility for the Disability Living Allowance can be complex and burdensome.

– Families may face challenges in accessing additional support for their disabled child, which can impact their quality of life.

Impact of Child Benefit Caps on Families

5) Pressure on Maternity Allowance

– The presence of a third child can put additional pressure on the maternity allowance, which is often crucial for parents managing expenses during pregnancy and after birth.

– The limitations of Child Benefit can make it more difficult for mothers to take adequate maternity leave, affecting the health and the wellbeing of them and their babies.

6) Reduction Due to Benefit Cap

– The benefit cap limits the total amount of benefits a family can receive, which can adversely affect larger families who have a greater need for financial support.

– This cap can restrict the total benefit income that a family can receive, regardless of the number of children they have.

7) Exclusion from Universal Credit Payment

– Families not receiving Child Benefit for their third child may also be excluded from additional Universal Credit payments, such as the child element, leading to a lower overall Universal Credit payment for the family and further compounding financial difficulties.

In conclusion, while Child Benefit for a third child can provide crucial support to families, the introduction of the two child limit and other associated challenges can create disadvantages. It’s important to be aware of both the benefits and limitations to effectively manage your family’s finances.

Tax Free Childcare for Third Child

Tax Free Childcare offers additional financial support to parents with any number of children under the age of 12, or under the age of 17 if the child has disabilities. 

It can provide up to £2,000 per child per year towards childcare costs, which can be a significant help for larger families.

Family Benefit Considerations for Multiple Children

Family Benefit can encompass various forms of financial support available to UK families. For families with multiple children, understanding the full range of benefits available to them is crucial to maximise their entitlements. 

This understanding can help parents to ensure that they are receiving the correct monthly payments, as well as being able to aid the parents’ long-term financial planning, which is especially important for larger families or those with a single parent.

Child Maintenance Arrangements and Additional Children

Child maintenance is a regular payment made by the non-residential parent to the parent who is the primary residential carer of the child. 

It is designed to cover the child’s living costs and is a crucial aspect of financial support for single parents. When a family has more than two children, child maintenance becomes even more important to help cover the increased expenses.

Support Services for Children With Disabilities

Children with disabilities may be eligible for additional support, such as the Child Disability Payment in the UK. This payment is intended to help with the extra costs of caring for a child with a disability or health condition. 

Families can use these funds for special equipment, home adaptations, or additional childcare needs of the child. It is vital for parents to be aware of the support services available. The Post Office can often act as a point of access for forms and advice on how to apply.

A Case Study on Receiving Child Benefit for Third Child

Here is a case study to help illustrate the situation surrounding benefit-claiming for third or additional children. This example aims to provide insight into how an individual in the UK might navigate this scenario. 

John and Mary Smith are parents living in the UK with two children. As they welcome their third child, they face the question of eligibility for Child Benefit for their third child. 

With recent changes to Child Benefit regulations, they are aware that the two child limit might affect them, but they hope to receive some support to alleviate the financial demands of their growing family.

They learn that, as their third child was born as part of a multiple birth, where one of the earlier children was already receiving Child Benefit, this qualified them for continued support from the Child Benefit scheme. 

The Smiths are relieved that they qualify for this, as the payment will help cover essential costs, such as baby supplies and childcare. By staying informed and consulting the Child Benefit Office, they manage to maintain crucial financial support during this important time for their family.

Key Takeaways and Learnings

To summarise, this article has covered the crucial aspects of Child Benefit entitlement for a third child in the UK. We will now highlight the key points and suggest actions that can be taken based on the information provided in the article.

– Child Benefit is available for a third child, subject to certain conditions being met, despite the two child limit introduced in April 2017.

– Understanding the exceptions to the two child limit is important to determine your family’s eligibility.

– The claim process for Child Benefit requires accurate and timely submission of necessary documentation to avoid delays in receiving payments.

– Tax-Free Childcare provides additional financial support for childcare costs and  is separate from Child Benefit.

– Child maintenance is a critical consideration for single parents and those with larger families to ensure financial stability.

– Families with children who have disabilities may be eligible for additional support through the Child Disability Payment.

– It is crucial to stay informed about the latest Child Benefit regulations, and to seek advice from the Child Benefit Office or Citizens Advice if you are unsure about your entitlements.

– Parents should investigate all available family benefits to maximise their potential financial support.

While the two child limit has added complexity to the Child Benefit system, there are still avenues for support for those with larger families or specific circumstances. 

It’s essential for families to be aware of their rights, the available exemptions, and the proper channels through which they can claim their benefits. 

Furthermore, staying informed and proactive in managing family finances can help ensure that the needs of all children are met, contributing to their well-being and development.

Family Benefit Considerations for Multiple Children

UK Care Guide is really proud to have been featured on some of the UK’s leading websites.

Meet the author

William Jackson

William is a leading writer for our site, specialising in both finance and health sectors.

With a keen analytical mind and an ability to break down complex topics, William delivers content that is both deeply informative and accessible. His dual expertise in finance and health allows him to provide a holistic perspective on topics, bridging the gap between numbers and wellbeing. As a trusted voice on the UK Care Guide site, William’s articles not only educate but inspire readers to make informed decisions in both their financial and health journeys.