FAQS
When does child maintenance stop?
Paying parents are required to pay child maintenance until their children turn 16, at least. If a child continues in non-advanced, full-time education after 16, such as to complete their A-Levels, child maintenance payments can continue until they are 20.
Please note that degrees and higher level diplomas are considered advanced education, which is not covered by child maintenance. However, you may wish to negotiate a private child maintenance arrangement in such cases.
How is child maintenance calculated?
If you try to agree on a child maintenance arrangement privately, you (or your solicitors) will work with the other parent to calculate payments.
However, if you apply to the Child Maintenance Service, there are several factors for calculating payments. Firstly, the CMS will work out the paying parent’s gross annual income, adjust for any factors that affect income, and then convert the annual figure into a weekly figure.
Then, based on the weekly figure, one of five child maintenance rates will apply: default, nil, flat, reduced, or basic. See the government website for a breakdown.
Finally, the CMS will consider if the paying parent has any other children to pay for or if the child’s care is shared (i.e. the child stays with the paying parent overnight on occasion). These factors can reduce the calculation.
Can my child maintenance agreement be changed?
Yes, it is possible to change a child maintenance agreement. After all, each parent’s personal circumstances are likely to change over time, and child maintenance can be updated to reflect those changes. However, the route for changing an agreement depends on how the initial arrangement was produced:
- For an informal family-based arrangement, it may be as simple as speaking to your ex-partner and working out a new deal.
- For an arrangement legally bound by a Court Order, you can apply to alter the order, but you should speak to a solicitor first. Alternatively, if the Court Order is more than 12 months old, you can apply to the CMS instead, which will override the terms of the order.
- For an arrangement set by the CMS, you’ll need to inform the CMS of any changes in your circumstances so they can re-assess your child maintenance payments.
How do benefits impact child maintenance?
Benefits impact child maintenance differently depending on whether you are the receiving parent or the paying parent.
A receiving parent is unaffected by their benefits. They can keep the entirety of their child maintenance payment, and it will not affect any eligible benefit claims.
A paying parent receiving benefits, such as income support, will pay a flat fee of £7 per week in child maintenance (regardless of the number of children involved). A list of applicable benefits can be found on pages 23 and 24 of the government’s guide for calculating child maintenance.
Do you pay child maintenance if your ex-partner is cohabiting?
You must continue to pay child maintenance for as long as legally required, regardless of whether your ex-partner is cohabiting with a new partner. The only way to change your child maintenance payments is if your personal circumstances have changed (see the FAQ titled ‘Can my child maintenance agreement be changed?’ above).