Guardian Childcare & Education

Financial Support: How to get the most for your family

26th October 2020

We know it’s not always smooth sailing when it comes to finances, and that’s why we want to do everything we can to help you access care when you need it most. We’re here to help and reassure you that there are options, even in times of financial difficulty.

We want all children to enjoy uninterrupted access to education and care, so below are a number of financial assistance programs you may find helpful. 


Educator reading a book to child outside

The Child Care Subsidy (CCS) 

The CCS is a government subsidy that offers different levels of financial assistance to help cover the cost of childcare for Australian families. How much you receive depends on your individual circumstances.  

Read our blog ‘What is the Child Care Subsidy?’ to find out more. 


Additional Childcare Subsidy is Available for Families 

Depending on your circumstances, there may be government assistance your family is entitled to, over and above the Child Care Subsidy. 

If your income has been reduced or impacted by a significant event in your life, we encourage you to read on and find out what assistance you may be eligible for. You can also call our expert concierge team on  13 82 30 to discuss your individual situation, visit Services Australia, My Gov or head into your local Centrelink office. 

Extra supports is available for: 

  • Families experiencing temporary financial hardship 
  • Parents transitioning back to work from income support 
  • Grandparent carers on income support


Support for Families facing Temporary Financial Hardship 

The Additional Child Care Subsidy (ACCS) Temporary Financial Hardship payment, in many cases, will cover the full fees charged by your child care Centre.  It is designed to support families experiencing significant financial stress due to exceptional circumstances including job loss, caring for an ill loved one, or having recently lost a family member. 

If eligible, the additional support means there’s no need to interrupt your child’s learning, and that we can continue to support your family with the care you’re used to, when you need it most. This additional support is there to help families through difficult times – and to give you one less thing to worry about.


Financial Support for Families Returning to Work 

This additional payment is for those families who are currently receiving JobSeeker or Parenting Payments and who are training, re-skilling or returning to work. The subsidy will pay up to 95% of your childcare fees to help you get back to work or undertake study or training to help you find new work. The support can also continue for up to 12 weeks after your work begins. 


Financial Support for Grandparents 

This support is for grandparents on income support who are caring for a grandchild at least 65% of the time. Similar to the Temporary Financial Hardship Subsidy, this subsidy provides up to 100 hours of care a fortnight and is not subject to an activity test. 


How do I Apply for Additional Financial Support? 

You can apply online on the Services Australian website, via myGov, or in-person by visiting your local Centrelink office. 

We recommend you prepare for your application with the following information to ensure the process is as fast and efficient as possible: 

  • The event or incident that has led to financial hardship, e.g. lost a job, reduced income, family illness etc. 
  • The date this event occurred 
  • How this has affected your family’s ability to pay your childcare fees 
  • In the case of the Transition to Work Subsidy, you will need to have a plan for what you want to do and when you plan to start. 

Our team is dedicated to delivering the best outcomes for our children and families – and this means more than just delivering great education and care. 


What do I need to do now?  

Next steps will depend on your individual circumstances. If you have any questions or concerns, please contact our Concierge Team on 1300 001 119. 

  • Already receiving CCS ?  You don’t need to do anything for your subsidy to continue, as long as you have remained eligible and enrolled.  
  • If your circumstances have changed, you need to update Centrelink. For example, if your income level or contact information has changed, you should update your details with Centrelink as soon as possible. This can be done through your Centrelink online account through myGov or the Express Plus Centrelink mobile app. 
  • New to childcare?  You should put in a claim for CCS as soon as possible. Otherwise, from 13 July 2020, you will need to pay full fees. In addition, claims for CCS can only be backdated for up to 28 days from the day the claim is lodged, so the sooner you act, the better it will be for your back pocket.


Want to see if you’re eligible for any of these payments?  

To discuss your individual circumstances, speak to your Centre Manager, head to the My Gov website or contact our Concierge Team on 13 82 30. 

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