Raising a family in Australia can be financially demanding, but Centrelink provides essential support through the Family Tax Benefit (FTB). This financial assistance helps eligible families manage the costs of raising children. With updated payment rates and eligibility criteria in February 2025, understanding these benefits is crucial for families looking to maximize their financial support.
What Is the Family Tax Benefit (FTB) and How Does It Help Families?
The Family Tax Benefit (FTB) is a government program designed to assist families with dependent children. It is divided into two components:
- FTB Part A: Provides financial support per child, with payment amounts based on family income.
- FTB Part B: Offers additional assistance to single-parent families and those with only one primary income.
What Are the Payment Rates for FTB Part A?
FTB Part A is intended to help families with the everyday expenses of raising children. The payment amount varies depending on the child’s age and the family’s income.
FTB Part A Payment Rates (February 2025)
- Base Rate: $71.26 per fortnight per child.
- Maximum Rate:
- Children aged 0-12 years → Up to $222.04 per fortnight.
- Children aged 13-15 years → Up to $288.82 per fortnight.
- Children aged 16-19 years (if in full-time education) → Up to $288.82 per fortnight.
FTB Part A Income Test
- Families earning below $59,000 per year qualify for the maximum rate.
- Payments decrease as income exceeds this threshold.
- Benefits phase out entirely once income surpasses the maximum eligibility limit.
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How Much Can You Get from FTB Part B?
FTB Part B is designed to provide extra financial support for single-income families or single parents. The payment rate depends on the age of the youngest child in the household.
FTB Part B Payment Rates (February 2025)
- Youngest child under 5 years → Up to $168.28 per fortnight.
- Youngest child aged 5-15 years → Up to $117.46 per fortnight.
- Single parents or grandparent carers (youngest child under 18) → Up to $117.46 per fortnight.
FTB Part B Income Test
- For single parents: No income test applies.
- For couples (one main income earner):
- Payments begin to reduce if the primary earner’s income exceeds $100,900 per year.
- Payments cease entirely when income exceeds $110,900 per year.
Who Is Eligible for Family Tax Benefit?
To qualify for FTB Part A or Part B, families must meet the following requirements:
- Residency: Parents and children must be Australian residents or hold an eligible visa.
- Child’s Age:
- FTB Part A: For children under 19 years who are full-time students.
- FTB Part B: Available for families with a youngest child under 16 years.
- Income Limits: Payments are reduced or eliminated for higher-income families.
- Immunization Requirement: To receive FTB Part A, children must be up to date with vaccinations.
How Can You Apply for Family Tax Benefit?
Families can apply for FTB online or in person by following these steps:
Step-by-Step Application Process
- Check Eligibility: Use the FTB Calculator on myGov to estimate your payment amount.
- Gather Required Documents:
- Proof of identity (passport, driver’s license).
- Tax file number (TFN).
- Birth certificates and school enrollment records for children.
- Submit Your Application:
- Apply online through myGov, linking your account to Centrelink.
- Visit a Services Australia office for in-person applications.
- Wait for Approval:
- Processing typically takes up to 28 days.
- Payments start from the date of approval.
Frequently Asked Questions (FAQs)
How often are Family Tax Benefit payments made?
FTB payments are made fortnightly, but families can opt for an annual lump sum after the financial year ends.
Can Family Tax Benefit be backdated?
Yes, FTB claims can be backdated for up to one year after the financial year ends.
Do I need to update my income details every year?
Yes, families must report their annual income to prevent overpayments and ensure they receive the correct amount.
Can I receive Family Tax Benefit and Paid Parental Leave at the same time?
No, you must choose between FTB and Paid Parental Leave (PPL)—you cannot receive both simultaneously.
What happens if my income changes?
- If your income increases, FTB payments may decrease.
- If your income decreases, you may be eligible for a higher payment.
Updating income details on myGov ensures accurate payments.
Are additional supplements available with FTB?
Yes, families receiving FTB Part A may also qualify for a supplemental annual payment, depending on income and number of children.
What if my child does not meet the immunization requirement?
If a child is not up to date with vaccinations, FTB Part A payments may be affected or withheld.
Can I get FTB if my child is over 16 but not studying?
To qualify for FTB beyond 16 years, the child must be enrolled in full-time education. If they are not studying, FTB may not be available.
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