Tag: parents

30 Hours Free Childcare

The criteria for 30 hours for funded childcare, is that you must earn £131.36 a week which equates to 16 hours at the national minimum wage or Living Wage.

The 30 hours a week is for 38 weeks of the year and is for children who are aged 3 or 4 this equates to 1,140 hours per year.

You will not be able to claim this, if you or your partner has a taxable income of over £100,000, the child does not usually live with you, if the child is fostered or if you are from outside the EEA and it states you can’t access public funds on your UK residence card.

To register for funded childcare or for more questions:

https://www.childcarechoices.gov.uk/

RTI Real Time Information

RTI stands for Real Time Information and was introduced by HMRC in 2012. HMRC put this system into place so that every time an employee is paid, it is the employer’s responsibility to make a submission to them detailing this payment.

By employers using RTI, it enables HMRC to process any amendments to employee’s tax free allowance in real time rather than as done previously on previous years records and pass this information to Department for Work and Pensions. In turn this makes sure Universal Tax Credit claims are based on accurate figures of an employee’s income.

As an employer, if your payroll submission is not sent to HMRC on time, £100 fines will be issued. It is important as an employer to make sure all pay details are sent to HMRC on or before the date nanny is paid.

Nanny or Au Pair

Age and Cultural exchange programme

An au pair is between the ages of 18-30 and comes to the UK to learn or perfect her English in exchange for childcare.

A nanny can be any age and does not take part in a cultural exchange programme.

Wage and working hours

Au pairs can only work on average 30 hours a week and on top of their accommodation will normally get what is classed as ‘pocket money’. ‘Pocket money’ on average is £100.00 per week and as long as they earn less than £118.00 per week and have no other income this does not need to be declared to HMRC.

A nanny receives a wage in line with the national minimum wage.

Language courses

Au pairs must have the chance to attend a language course.

A nanny does not have to attend a language course.

Employee/family

An au pair is seen as a temporary family member.

A nanny is seen as an employee.

Legalities

An au pair needs a visa specific to an au pair.

Nannies who are coming from abroad need a work visa or permit. A nanny cannot work under an au pair visa.

Christmas Bonus

It is that time of year, you may want to give nanny a Christmas bonus, but remember it must be processed through the payroll!

As HMRC class this as taxable income.

If you have decided to give nanny a Christmas bonus, whether it be £50 or £1,000, you must declare it and it is subject to tax and NI.

If you have agreed a net bonus, there will be additional tax and national insurance on top of this amount. Whereas, if you have agreed a gross bonus, (please don’t give them that amount), as tax and national insurance will need to be deducted from that and you then pay nanny the net amount.

A gift such as a voucher, chocolates, wine will not be seen as a benefit in kind as long as it does not exceed £50.00.

Points to consider before signing a contract with your employee

Once you have decided to employ a nanny, and give them an offer letter, it is advisable to
include the key terms and conditions of the role, such as:
Job title,
Job description,
Days/hours of work,
Holiday entitlement,
Notice period,
Statutory payments,
Disciplinary and Grievance procedures
It is essential that all the terms and conditions of the employment are addressed in the form
of a contract of employment and this must be given to nanny to sign within 2 months of them
starting the position.
Once nanny accepts your offer of employment, you have entered into a legal arrangement,
(subject to satisfactory references) therefore the sooner a contract is drawn up between the
employer and the nanny, the better.

Qualifying Criteria for the Work Place Pension

Whether or not your nanny qualifies for the work place pension depends principally on your nanny’s age and their earnings.  The new law requires every employer to automatically enrol workers into a work place pension scheme if they are aged between 22 and the State Pension Age, and earn over £10,000.00 per annum.

If nanny is automatically enrolled in a pension, they can opt-out up to 30 days after the initial set up has been completed and get a refund on the amounts which have been deducted from their salary. They must complete and return an opt-out form and inform their pension provider.

If your nanny does not qualify to be automatically enrolled they still have the right to join a work place pension. This is known as a Non-eligible job holder.

Non-eligible job holder is an employee who doesn’t have to be automatically enrolled into a work place pension, but can ask to be joined into a pension scheme if so wish. If they do, both the employer and the nanny will have to pay into the pension pot each month.

The minimum auto enrolment contribution rates are currently 8% of qualifying earnings.  This is split between 3% which must be paid by the employer and 5% which must be paid by the employee.

Tax Free Childcare and Childcare Vouchers

Childcare vouchers will cease from the 5th October 2018 and thereafter the Tax-Free Childcare scheme will take over.

​You can get up to £500 every 3 months (£2,000 a year) for each of your children to help with the costs of childcare.

​​If you get Tax-Free Childcare, the government will pay £2 for every £8 you pay your childcare provider via an online account.

https://www.gov.uk/help-with-childcare-costs/tax-free-childcare​

You can get Tax-Free Childcare if you and your partner (if applicable) are –

​​in employment or getting parental leave, sick leave or annual leave

each earning at least the National Minimum Wage or Living Wage for 16 hours a week – this is £131.36 if you’re 25 or over​

​This earnings limit does not apply if you’re self-employed and started your business less than 12 months ago.

​Your child must be 11 or under and usually live with you. They stop being eligible on 1 September after their 11th birthday.

​​Adopted children are eligible, but foster children are not.

​​If your child is disabled, you may get up to £4,000 a year until they’re 17. They’re eligible for this if they –

​​get Disability Living Allowance, Personal Independence Payment or Armed Forces Independence Payment

are registered as blind or severely sight-impaired

​You’re not eligible if either you or your partner has a taxable income over £100,000.

​Your childcare provider must be signed up to the scheme before you can pay them and benefit from Tax-Free Childcare.

Ofsted Registration Process

Nannies at present are not required by law to hold any childcare qualifications.

However if they wish to become part of the Voluntary Ofsted Childcare Register (OCR) they have the same requirements as a childminder, the only difference being is that they are caring for the children in their own home.

​To register, a nanny needs to complete online application via the Government Gateway website.

https://online.ofsted.gov.uk/OnlineOfsted

​​It will cost around £103 and needs renewing every 3 years.

​​As a nanny you will also need a Paediatric First Aid certificate, The Common Cores Skills and Knowledge in Childcare, Enhanced DBS Check and Public Liability Insurance.

 

SMP Statutory Maternity Pay

Holiday pay

Employees accrue holiday entitlement as normal throughout the maternity leave and this includes any bank holidays that may fall during that leave and this is a cost to the employer.

Any such holiday accrued is normally either taken or paid for at the end of the leave.

Antenatal classes

Employees are entitled to paid time off to attend these and except from the first appointment you can request proof of this.

If possible they should arrange these appointments at times she is not working although if full time employee this may not be possible.

Keeping in Touch Days

Employees are entitled up to 10 days classed as keeping in touch and any days worked are paid in addition to any paid SMP and is at a cost to the employer.

These days can be used for work and irrespective of the hours worked each day it is classed as a full day for Keeping in Touch purposes.

Pension

If employee contributing to pension when they go maternity leave their pension contributions will be based on the SMP paid, but the employers contributions need to remain at the same level they were on before the maternity leave started.

For example if the employers contribution was £15.00 then irrespective of the SMP paid the employers contribution would remain at the £15.00 throughout the maternity leave.

 

SCHOOL READINESS

And just like that, the summer holidays are over! For some, sending the children back to school couldn’t come any sooner. You’ve faced the high street, waited (patiently!) with your ticket to try on new school shoes, hair has been chopped and styled, new stationary has been bought (for them and you!) and your diary is ready to go… but what about the children. Are they ready? Are they excited and prepared?

It’s easy to assume the children are also ready to go back, see their friends and fit back into the school routine. But what about their emotional readiness? What about the children who are starting at nursery or school for the first time? The ones transitioning to primary or secondary school. Even the difference in classroom, teacher or timetable can be overwhelming for a child.

Transitions work best when a child is prepared. So what can we do to prepare a child for the September ‘back to school’ time in their lives?

Firstly, talk to them. Ask them how they are feeling. Don’t just put the emotions you are feeling into their minds. Really listen to their anxieties, worries and excitements. Break down each one and show them emotional support. Not just at the start of school, but continued throughout their first few weeks, and beyond if needed. Sometimes they won’t want to talk, and that’s ok! Just being there, listening and allowing them the opportunity to open up will give them reassurance.

Another thing you can do to get them involved is with the new term shopping! If they have a say in what bag, coat and shoes they will be wearing, then they are going to show a little more enthusiasm. For young children, finding a school bag with their favourite character on is going to help massively. For older children, it’s ‘fitting in’ with peers, so they will want a say in how they look.

One of the biggest anxieties about starting at a new school can be around friends, or not knowing anyone. To prepare children for this, I always advise trying to find other children also attending the same school (try local social media groups). Planning play-dates before school starts will give them someone they are familiar with. In the first few weeks of term, plan after school tea times together too. This will really help them build on friendships and relationships with other children, and as parents and nannies, also introduce you to other families from the school.

And lastly books! Reading is something that you can do together with your child. Books can help with no end of matters, and school readiness is one of them! Pop along to your local library, find some books about going to school and read them together. Change the words to fit in with the name of your child’s school, or teachers to personalise it, and just spend some time one to one discussing everything around school.

With everything, time helps. Enjoy this period in your child’s life, support them, reassure them and allow them the time to adjust to these new beginnings.

We cover all sorts of transitions that happen in a child’s life, including school readiness in our Early Years Care and Education Course. Please contact Little Ones Training and Education on 0207 112 8057 to find out more!