Child benefit - 3rd child

eskimalita7

Hello
A mortgage advisor recently told me I should be claiming child benefit for my 3rd child. I thought it was capped at 2 kids.
when he was born in 2017, I was earning 35k and my husband between 1-4K per year.
in 2020 my salary increased to 50k.

I still can’t find anything that tells me I can claim for child no 3, and I think now I earn 50k, even less likely.
can I claim back-dated from 2017-2020?

Rubyroobs

You can claim for a third child. It is only child element of tax credits and universal credit that is capped at 2. Child benefit can only be backdated for 3 months maximum I think.
If you earn over 50K I believe it reduces at a taper until after 60k you would not keep any of the child benefit. Sorry I'm not sure how you go about declaring it if over 50k I think a self assessment ?

Dazed_and_C0nfused

eskimalita7 said:

Hello
A mortgage advisor recently told me I should be claiming child benefit for my 3rd child. I thought it was capped at 2 kids.
when he was born in 2017, I was earning 35k and my husband between 1-4K per year.
in 2020 my salary increased to 50k.

I still can’t find anything that tells me I can claim for child no 3, and I think now I earn 50k, even less likely.
can I claim back-dated from 2017-2020?

You seem to getting Child Benefit and Tax Credits confused.  

Don't know why you claim not to be able to find anything, the first page on gov.uk is crystal clear.
https://www.gov.uk/child-benefit

How it works
You get Child Benefit if you’re responsible for bringing up a child who is:
under 16
under 20 if they stay in approved education or training
Only one person can get Child Benefit for a child.
It’s paid every 4 weeks and there’s no limit to how many children you can claim for.

eskimalita7

Thanks everyone. When I googled this back in 2017 when he was born I must've used the wrong terminology. No follow-up with GP or health visitors after birth also meant I didn't get a chance to be reminded. (The GP surgery made a mess of the appointments and always double booked me, as he's my 3rd child they always said.. oh he'll be fine, you know what you're doing... and I never pushed for a correctly-scheduled appointment. It appears I do know what I am doing except when it comes to claiming child benefit  )

MX5huggy

If you’re husband still has a low income and is not paying NI then he should claim the child benefit to get the NI credits that come with it.

He should also transfer tax allowance to you so you pay less tax as a couple. Then you should make additional pension payments either into the work place scheme or in to a SIPP to reduce your taxable pay to under £50k so that you can claim (or your husband) all the child benefit.