account_balanceChildcare Subsidy

The CCS in plain English

Most Australian families are eligible for Child Care Subsidy. Here’s how it works, what you need, and how we help you get set up.

90%
Max subsidy rate
$533k
Eligibility cap
100h
Max subsidised hrs / fortnight
1–7
Business days to confirm
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Who's eligible

Most Australian residents earning under $533k combined household income with a child under 13.

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How much you get

Subsidy ranges from 0% to 90% depending on income, activity and child count.

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Activity test

Hours of subsidised care are based on the lower-earning parent’s work, study or volunteering hours.

How to apply for CCS

Allow 30 minutes for the online application. We’ll guide you through the bits unique to us.

01
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Set up myGov + Centrelink
Create a myGov account if you don't have one, then link Centrelink as a service.
02
fact_check
Complete the CCS claim
Provide your income estimate, activity hours and child details. Both parents need to confirm.
03
send
Add Cuddly Bear as your provider
Once you accept your offer we'll send our Service ID — paste it into your CCS enrolment to confirm.
04
verified
Subsidy applies automatically
From day one your daily fee is reduced by your CCS percentage. No paperwork to chase, ever.

What you'll need to apply

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Identity & income
  • check_circle myGov account linked to Centrelink
  • check_circle Customer Reference Number (CRN) for each parent and child
  • check_circle Combined family income estimate for the financial year
  • check_circle Tax File Number (recommended)
work_history
Activity & provider
  • check_circle Work, study or volunteering hours per fortnight
  • check_circle Cuddly Bear Service ID (we send this with your offer)
  • check_circle Bank account for fortnightly statements
  • check_circle Action plans for any medical or allergy needs

Subsidy rates by income

Approximate subsidy percentage for a family with one child in care.
Up to $83,280
$83,281 – $533,280
Above $533,280
Two or more children under 6
Combined income
Below threshold
Tapered
Above threshold
Higher rate available
Subsidy %
90%
90% → 0%
0%
+30% (capped at 95%)

Need help with your CCS setup?

Our enrolment coordinator walks every family through linking and confirming their subsidy.