We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Joint care of children but dont officially live with me

Hi,

I am looking for a bit of guidance. I am a very low income earner ie 7k per annum and don't currently get any benefits (not that I like them). I have two children who with my exH, we jointly look after. As he could afford to pay the mortgage on the family home and I couldn't I moved out and now live with my new partner (he pays the rent and we share the burden of the bills). With my ExH we share costs for the kids but don't pay either side child maintenance payments. We agreed the children's official address is the family home which I still currently own but don't make any payments. I will eventually get an agreed share of the property when ExH either buys me out or we sell. ExH is a contractor, higher income earner. I haven't changed child benefit so currently not entitled to it and dont get any benefits for the kids. Financially I am on my knees due to circumstances. Would anyone know if as a parent I would qualify for any help for the kids even though they don't live with me? I have been their primary carer as I work weekends and look after them during the week. My gut instinct says no but thought I'd ask.
2026 financial goals & challenges!

1). Mortgage (started Jan 2024) £98,254.64/ £122,400.00 Overpayment total: £1460.47 (Inc Sprive yr 1 & 2 o/p £70.93, £5.52 Natwest o/p & £55.34 reg monthly overpayment) Equity 33%

2). #47 Save 1p a day challenge 2026 £96.47/£780

3). £2741.53/£3000.00 - Investment ISA

4). CC debt - £21,148.38. Aiming for £19,999.99 31/12/2026

5). £252.66 / £1000.00 - EF

6). Lose weight, get fitter and read 12 books in 12 months in 2026. 2 out 12 COMPLETED

Comments

  • Rubyroobs
    Rubyroobs Posts: 1,150 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    They would need to be living with you the majority of the time for you to claim benefits for them. Even then any eligibility ( for example to Universal credit) would depend on your joint household income so your partners income would be counted too.
  • Mojisola
    Mojisola Posts: 35,574 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    clarissa62 wrote: »
    We agreed the children's official address is the family home

    I haven't changed child benefit so currently not entitled to it and dont get any benefits for the kids. Financially I am on my knees due to circumstances.

    Would anyone know if as a parent I would qualify for any help for the kids even though they don't live with me?

    I have been their primary carer as I work weekends and look after them during the week.

    Is that all week (days and nights) or just during the day?
  • calcotti
    calcotti Posts: 15,696 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    To receive the child element in Universal Credit you generally need to be the person they normally live with (that is most of the time).

    If time is split roughly evenly you could continue to be treated as the responsible parent.
    More information here https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/793844/admf1.pdf
    Main responsibility
    F1063 Where the child or qualifying young person normally lives with two or more persons who are not a couple, the deciding factor will be the person who has main responsibility. Who has that main responsibilityshould be decided between the persons with whom the child or qualifying young person normally lives.

    F1064 If
    1. joint agreement cannot be reached as to which person has main responsibility o r
    2. in the opinion of the DM the choice of person with main responsibility does not reflect the actual arrangements the DM may determine which person has main responsibility.

    Who can have main responsibility?
    F1065 If the DM is required to determine who has main responsibility they should note that; main responsibility is not defined in regulations and should be given the meaning of the person who is normally answerable for, or called to account for the child or young person. In determining who has the main responsibility for a child or young person consideration should be given to
    1. Who makes day to day decisions about the child's welfare including, for e ample, arranging and taking them to visits to the doctor or dentist or enrolling and taking the child to and from school?
    2. Who provides the child with clothing, shoes, toiletries and other items needed f or daily use?
    3. Who is the main contact for the child's school, doctor and dentist?
    4. Who cares for the child when the child is ill?
    Information I post is for England unless otherwise stated. Some rules may be different in other parts of UK.
  • Thanks for the info. I am main responsibility and the kids stay with me between three and four nights and with me during the day for 5 days a week. I'll take a look at Universal Credit but hoping to secure more work to avoid this situation tbh.
    2026 financial goals & challenges!

    1). Mortgage (started Jan 2024) £98,254.64/ £122,400.00 Overpayment total: £1460.47 (Inc Sprive yr 1 & 2 o/p £70.93, £5.52 Natwest o/p & £55.34 reg monthly overpayment) Equity 33%

    2). #47 Save 1p a day challenge 2026 £96.47/£780

    3). £2741.53/£3000.00 - Investment ISA

    4). CC debt - £21,148.38. Aiming for £19,999.99 31/12/2026

    5). £252.66 / £1000.00 - EF

    6). Lose weight, get fitter and read 12 books in 12 months in 2026. 2 out 12 COMPLETED
  • calcotti
    calcotti Posts: 15,696 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    clarissa62 wrote: »
    Thanks for the info. I am main responsibility and the kids stay with me between three and four nights and with me during the day for 5 days a week. I'll take a look at Universal Credit but hoping to secure more work to avoid this situation tbh.

    Sounds like you should be the one getting the Child Benefit.
    Information I post is for England unless otherwise stated. Some rules may be different in other parts of UK.
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.6K Banking & Borrowing
  • 254.5K Reduce Debt & Boost Income
  • 455.5K Spending & Discounts
  • 247.5K Work, Benefits & Business
  • 604.4K Mortgages, Homes & Bills
  • 178.6K Life & Family
  • 261.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.