Raising children comes with considerable financial obligations, particularly as living costs climb. To alleviate some of this burden, the Australian government provides the Family Tax Benefit (FTB), a financial aid initiative for eligible families. As of December 2024, families with children aged 13–19 years may receive up to $288.82 per fortnight to help cover expenses. This comprehensive guide explains the Family Tax Benefit program, including its components, eligibility requirements, claim process, and practical tips to maximize its benefits.
The Family Tax Benefit is a government program designed to help families manage the expenses associated with raising children. It is divided into two parts, each addressing specific needs:
FTB Part A
The primary benefit for families with children aged 0–19 years.
Designed to ensure children have access to education, healthcare, and other essentials.
FTB Part B
Offers additional support to single-parent households or families with one primary income earner.
Primarily supports families with younger children but can extend to older children in single-parent households.
This financial assistance is especially valuable for families with limited incomes or those facing economic challenges.
Eligibility for the Family Tax Benefit depends on a combination of factors, including the child’s age, family income, residency status, and compliance with health and immunization requirements.
Child-Related Requirements
FTB Part A:
Available for children aged 0–15 years.
Children aged 16–19 years must be:
Enrolled in full-time secondary education or an equivalent program.
Living at home while pursuing their studies.
FTB Part B:
Primarily for families with children under 13 years.
Single parents or families with one main income earner may qualify even if the child is older.
Income Test
FTB Part A:
Maximum annual family income threshold: $58,108.
Benefits gradually reduce for incomes above this limit but may still be available in part.
FTB Part B:
Secondary income must not exceed $10,900 annually unless the family has a child under one year old.
Residency Requirements
Applicants must:
Reside in Australia.
Hold Australian citizenship, permanent residency, or an eligible visa.
Provide care for the child at least 35% of the time.
Immunization and Health Checks
Children must meet the National Immunisation Program requirements unless an exemption applies.
Regular health check-ups may be needed for younger children to maintain eligibility under FTB Part A.
How Much Can Families Receive?
The Family Tax Benefit provides payments based on factors like the child’s age, family income, and qualification for both FTB components.
FTB Part A
$222.04 per fortnight for each child aged 0–12 years.
$288.82 per fortnight for each child aged 13–19 years (if studying).
FTB Part B
$177.94 per fortnight for families with children under 5 years.
$124.84 per fortnight for single parents with children aged 5–18 years.
Payment amounts may be adjusted depending on household income or care-sharing arrangements.
How to Apply for the Family Tax Benefit
Applying for the Family Tax Benefit involves a simple, step-by-step process:
Step 1: Create a myGov Account
Register or log in to your myGov account.
Link your Centrelink account for easy access to services.
Step 2: Prepare Required Documentation
Ensure you have the following:
Proof of the child’s birth or adoption (e.g., birth certificate).
Details of income for you and your partner.
Documentation for shared care or custody arrangements, if relevant.
Step 3: Submit the Application
Log in to myGov and go to Centrelink.
Select Payments and Claims > Family Tax Benefit.
Complete the form and upload supporting documents.
Step 4: Monitor Application Status
Track your application through the myGov or Centrelink app.
Step 5: Choose a Payment Schedule
Opt for fortnightly payments for consistent financial support or an annual lump sum for larger expenses.
Practical Tips to Maximize Benefits
Update Income Estimates: Regularly review and update your family’s income details to avoid overpayments or unexpected debts.
Explore Additional Benefits: Families with children who have special needs or medical conditions may qualify for programs like the Carer Payment or Child Disability Assistance Payment.
Utilize Estimation Tools: Use the Family Assistance Estimator on the Services Australia website to calculate your potential benefits and plan accordingly.
Real-Life Example: Sarah’s Story
Sarah, a single mother of two children (ages 10 and 15), earns $50,000 annually. She qualifies for:
$222.04 per fortnight for her 10-year-old.
$288.82 per fortnight for her 15-year-old.
$124.84 per fortnight under FTB Part B.
This totals $635.70 every fortnight, providing Sarah with essential financial relief to support her family’s needs.
Frequently Asked Questions (FAQs)
1. Can I still receive the Family Tax Benefit if my income is slightly above the threshold?
Yes, partial benefits may be available. Use the Family Assistance Estimator to determine your eligibility.
2. Are immunizations mandatory for receiving the FTB?
Yes, unless you have an approved exemption. This ensures compliance with public health requirements.
3. Can I select how I receive payments?
Yes, families can choose between fortnightly payments or a lump sum at the end of the financial year.
4. What should I do if my family circumstances change?
Notify Centrelink immediately to update your details and avoid disruptions or overpayments.
5. Where can I find help with the application process?
Visit the Services Australia website or contact Centrelink for personalized assistance.
The Family Tax Benefit is a crucial financial resource, empowering Australian families to manage the costs of raising children while ensuring access to essential services. Families can make the most of this government support program by understanding its structure and taking proactive steps.
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