Child Dental Benefits Scheme – could it be removed?
If the Tanya Plibersek, Deputy Leader of the opposition, is correct in a little over a month, the Child Dental Benefits Scheme could be removed. If you have a child between the ages of 2 and 17 and have received certain government benefits during financial year, such as parenting payment or family tax benefit part A, this could impact you. So what is the Child Dental Benefits Scheme, when might it be changed and what can you do now?
The Child Dental Benefits Scheme began in January 2014, it provides eligible families with a payment to cover basic dental care. It was introduced in recognition that families on lower incomes often struggle with the high cost of dental care and the medical knowledge that good dental health and early intervention are best for children’s long term health and the well-being of the community at large.
Eligibility for the Child Dental Benefits Scheme
To be eligible a child has to be between the ages of 2 and 17 on any day in the calendar year and they or their family be in receipt of certain government payments for at least part of the calendar year. Payments that trigger eligibility include Family Tax Benefit Part A and parenting payment. Typically families will be notified of their eligibility for the scheme within a month or two of registering for the relevant payment, though if you haven’t been notified and you think you are eligible it would be worth contacting Centrelink directly. For full eligibility details visit DHS Child Dental Benefit Scheme.
What is covered in the Child Dental Benefits Scheme?
The benefit that is payable is capped at $1,000 per child over two consecutive calendar years. If you don’t use all of your benefit in the first year you can carry forward any remaining money into the second year, provided you are still eligible. Benefits can cover procedures such as examinations, x-rays, cleaning, fissure sealing, root canals and extractions.
It is important that you discuss your eligibility with your dentist prior to getting a procedure done so that the relevant costs can be explained and the paperwork completed to make you eligible to claim.
So what might change?
If the Federal Opposition is correct, the government may be looking to abolish the scheme entirely, citing low utilisation rates, though very little has been done to widely publicise the scheme so it’s not that surprising. While the government may chose to keep it, wind it back or change it on some future date, if history is anything to go by chances are they may cancel it from budget night, 3 May 2016. It’s not uncommon for the Treasurer to announce that from that moment on, no claims can be made on the scheme, no warning required.
Don’t want to miss out?
If you are currently eligible for the scheme and your child is in need of dental work, then it would be prudent to see if you can get their examinations done now rather than later. Getting the services provided, and ideally your claim lodged prior the budget night puts you in the best position. With a scheme as useful as this one and the mood from the Government fairly grim, I doubt things would be better on the 4th of May than they are now.
If you can’t get booked in prior to the 3rd of May then keep an eye on the budget commentary in case they provide a window of opportunity.
What else can you do?
Well it is election time and all of the parties are getting nervous about votes, so I would encourage you to speak to your local member and the other potential candidates about it if they come knocking on your door or stop you at the shopping mall. When it comes to public policy there are as few schemes as positive as this one. Children from lower income families are getting health care that they need, preventing long term medical complications and government is preventing costly medical complications down the track. And if they tell you that it wasn’t very well used, you can let them know that a few Facebook ads would have solved that problem in a flash.
About Finance Women
Finance Women provides financial planning to women who are looking for a trusted source of financial advice. We take the time to understand your particular situation and concerns so that that the advice is practical. Finance Women is not owned or contracted to a bank or insurance company, all commissions are returned to you and you stay in control. If you can’t make it to one of our Melbourne offices we can provide advice over the phone or Skype.
Need some advice? Like what you’ve heard? Visit us at www.financewomen.com.au, call us on 1300 048 208 or email email@example.com.
Finance Women Pty Ltd ABN 86 601 109 960 (Corporate Authorised Representative number 1000187) and its financial planners are authorised representatives of Dover Financial advisers Pty Ltd. AFSL 307248. This document has been prepared for general information and education and not as specific advice for a particular person. You should seek professional advice prior to acting upon any recommendation or other information contained within this document. Alternatively, you should carefully consider the appropriateness of the advice in light of your personal objectives, financial situation and needs. You should also obtain and consider the Product Disclosure Statement before making any decisions in relation to a financial product. The information contained in this document has been taken from sources believed to be reliable. Although every attempt has been made to verify the accuracy of the information contained in this document, liability for any errors or omissions is specifically excluded by the Licensee.”