Introduction to Financial Support for Families with Children
Raising children in the UK can bring a range of financial pressures, from everyday expenses like food and clothing to the costs of childcare and education. To help families manage these challenges, the government offers several benefits designed to support those with children and ensure that all children have access to the essentials they need.
Government benefits for families with children aim to reduce financial strain and help with the extra costs that come with raising a family. These payments are based on specific eligibility rules set out in UK law, such as income thresholds and residency requirements. Key forms of support include Child Benefit, Child Tax Credits, and Universal Credit, each with its own application process and criteria.
On this page, you’ll find an overview of the main types of financial help available. If you want to understand the wider system of support, you can also explore our page on benefits. For more detailed advice on each type of support and guidance on how to apply, we encourage you to explore the specific topics linked throughout this guide.
Child Benefit
Child Benefit is a government payment designed to help with the cost of raising children. If you’re responsible for a child under 16 (or under 20 if they stay in approved education or training), you may be able to claim this support. Child Benefit is usually paid every four weeks and can make a real difference to your family budget.
Eligibility for Child Benefit is set out in UK law, specifically the Child Benefit Act 1975. To qualify, you must live in the UK and be responsible for a child. There are also some income rules and other criteria to consider – full details are available on the government’s Eligibility criteria page.
To find out how much you could receive, how payments are made, and step-by-step guidance on how to apply, visit our dedicated Child Benefit page.
Child Tax Credits
Child Tax Credits offer financial support to families with children, helping to ease the costs of raising a family. Eligibility depends on factors such as your household income, the number of children you have, and your family’s specific circumstances. There are income thresholds to consider, and these may affect the amount you can receive – more details on how income is assessed can be found in the Income thresholds guidance.
To apply for Child Tax Credits, you’ll need to provide information about your income, your children, and your living arrangements. Child Tax Credits can interact with other benefits, so it’s important to check how your payments might be affected if you are claiming Universal Credit or Child Benefit. The rules and eligibility criteria are set out in the Child Tax Credit Regulations 2002, which provide the legal framework for this support.
For a step-by-step guide on eligibility, the application process, and how Child Tax Credits work alongside other benefits, visit our dedicated Child Tax Credits page.
Universal Credit and Support for Families
Universal Credit is a major benefit designed to support families with children, helping to cover living costs and ease financial pressures. It combines several older benefits – such as Child Tax Credit, Housing Benefit, and Income Support – into a single monthly payment. This means if you’re applying for support now, you’ll usually claim Universal Credit instead of these previous benefits.
Eligibility for Universal Credit depends on your household income, savings, and personal circumstances. Families with children may receive additional amounts to help with the costs of raising their children. The application process is straightforward and can be completed online, but it’s important to check the specific requirements for your situation.
To understand how Universal Credit works for families, how it replaces other benefits, and how much you might receive, visit our Universal Credit page for full details.
For those interested in the legal framework behind these changes, the Universal Credit (Transitional Provisions) Regulations 2014 set out the rules for how Universal Credit replaces other benefits. If you’re also considering Child Benefit, further details on the Eligibility and application process are available from GOV.UK.
Additional Support and Related Benefits
Families with children in the UK may be entitled to additional support beyond the main benefits like Child Benefit and Universal Credit. Depending on your circumstances, you could receive further help if you care for a child with disabilities, face bereavement, or support older family members needing care.
If you look after a child with a disability or long-term health condition, you might be eligible for Carer’s Allowance. This benefit provides financial support to people who spend at least 35 hours a week caring for someone who receives a qualifying disability benefit. For more detailed information about eligibility and how to claim, visit the Benefits for carers – Social care and support guide – NHS.
Children with long-term health needs or disabilities may also qualify for specific disability benefits, such as Disability Living Allowance (DLA). To learn more about what support is available and how to apply, see our Disability Benefits page or visit the Disability Living Allowance resource for guidance on claiming for children aged 3–16.
If your family experiences the loss of a partner or parent, you may be entitled to Bereavement Benefits. These benefits can help with financial support during a difficult time.
For families who care for older relatives with personal care needs, Attendance Allowance may provide extra help. This benefit is for people over State Pension age who need assistance due to illness or disability.
There are a range of other benefits and support options for families in different situations. To find out more about what you could claim, explore our dedicated pages on Carer’s Allowance, Disability Benefits, Bereavement Benefits, and Attendance Allowance. Each page provides more detailed guidance on eligibility and how to apply.
Help with Housing and Employment for Families
Families with children may be entitled to extra support with housing and employment, especially if they are receiving benefits. If you are struggling with rent, you might qualify for Housing Benefit, which helps cover housing costs for those on a low income. The rules for who can claim and how much you can get are set out in the Housing Benefit Regulations 2006. For a practical guide on eligibility and how to apply, see our page on Housing Benefit.
If you receive Universal Credit, it can also include help with housing costs. For more details on how this works and what support is available, visit Universal Credit housing support. You can also explore our Help with Housing section for other housing options available to families.
When it comes to work, parents have certain rights and benefits designed to make balancing employment and family life easier. This includes support such as paid parental leave, flexible hours, and help with childcare costs. To find out more about what you are entitled to, visit our Employment Benefits page.
If you need to adjust your working pattern to care for your children, you have the right to request flexible working arrangements. This can include changes to your hours, location, or the way you work.
For more in-depth information on any of these topics, follow the links throughout this section to explore your options in detail.
Checking Your Benefits and Planning Ahead
When it comes to supporting your family, it’s important to make sure you’re receiving all the financial help you’re entitled to. Many families miss out on benefits simply because they aren’t aware of what’s available or their eligibility changes over time.
A good starting point is to use Benefits check tools to see which benefits and support schemes you might qualify for. These online resources are quick and easy to use, helping you identify support such as Child Benefit, Universal Credit, and other allowances based on your current circumstances.
It’s a good idea to Check What Benefits You Can Get regularly, especially if your family situation changes – such as a new baby, changes in income, or a child starting school. Rules and thresholds can change each year, so keeping up to date ensures you don’t miss out.
If you’re planning ahead for retirement, or if someone in your family is approaching State Pension age, it’s worth looking into Pension Credit. Pension Credit can provide extra money for those on a low income and may unlock further help with housing costs or council tax. For more detailed guidance, visit Pension Credit – Coventry Citizens Advice.
By checking your benefits regularly and planning ahead, you can help secure your family’s financial wellbeing both now and in the future.
