What is child maintenance?
All parents have a duty to support their children financially and contribute towards their upbringing, irrespective of whether they have parental responsibility. This type of financial support is known as child maintenance, and it typically involves regular payments to the parent with whom a child spends the majority of time (sometimes known as the primary caregiver), from the other parent. Child maintenance may also include assistance with accommodation costs, paying bills and purchasing items of clothing and toys.
The level of child maintenance payments depends on the circumstances of both parents (eg how much they earn and any assets held) and the needs of the children, as well as how much time they spend with each parent. In general, parents will agree on an appropriate level of child maintenance between themselves, in what is known as a ‘family-based arrangement’. However, if they cannot agree, or in cases of domestic violence, the CMS will be able to calculate, collect and distribute payments.
What is a family-based child maintenance arrangement?
The majority of parents will come to an agreement between themselves on any regular payments that are to be made by one parent (usually the father who has moved out of the family home) to the primary caregiver (ie the parent with whom the children live or spend most of their time, usually the mother). Contributions or payments will very much depend on the individual circumstances and may be calculated in different ways, such as:
a fixed monthly or annual payment
a flexible amount, proportional to earnings (possibly with reference to the incomes and expenses of both parents)
a payment towards bills and things like costs of housing, food, clothing and entertainment
a mixture of the above
Family-based arrangements for child maintenance are not legally binding, but if they do not work out, it’s possible to later apply to the CMS.
What is the Child Maintenance Service?
The CMS is responsible for calculating, collecting and distributing child maintenance payments if parents are unable to agree on a family-based arrangement. Additionally, the CMS can:
resolve disagreements about parentage and locate missing parents
review payments on an annual basis, or when circumstances change
take action over non-payment
Application fees and enforcement charges apply to cases handled by the CMS. Parents who rely on the CMS to collect and distribute payments (using their ‘Collect and Pay’ service) will face a 4% fee applied to the payment amount (this is taken off the payment for the receiving parent), in addition to a 20% charge levied on the paying parent. So it’s better to make direct payment arrangements (known as ‘Direct Pay’) where possible.
Note that the Child Support Agency (CSA) handled child maintenance before the CMS was formed and is still responsible for older claims, but was phased out in 2017 and claims were handed to the CMS.
In February 2023, the CMS introduced an option for parents who have experienced domestic abuse to allow the CMS to collect and make payments for them without the ABUSIVE parent’s consent being required. This is intended to help support parents who are subject to stopped payments or attempts at financial abuse or control in relation to child maintenance payments. The CMS application fee will be waived in these instances, but the relevant percentage deductions will still be made to the payments. CMS staff are also required to receive mandatory training on responding to instances of domestic abuse.
How much child maintenance will you receive/pay?
To help you work out how much child maintenance you should pay or you will receive, you can use the Government’s child maintenance calculator. This can help you work out an estimate of the amount that would be required under the rules used by the CMS. This figure can also be helpful in family based arrangements, serving as a basis for agreement.
Non-payment and parentage disagreements
If you have a family based arrangement which breaks down, you can apply to the CMS to handle your arrangements. If you are already with the CMS on 'Direct Pay' and payments are not made, it’s possible to transfer across to 'Collect and Pay'. The CMS can then find out why a payment has not been made, arrange payment of any outstanding amounts and warn of enforcement action. It has several options to recover outstanding child maintenance payments:
deduct the relevant amount directly from the parent’s earnings, through their employer
obtain regular or one-off payments directly from their bank or building society account
take court action
Note that there are a range of enforcement charges that need to be paid if the CMS has to take action to recover payments.
In the case of parentage disagreements - if one named parent denies that they are the parent of the child in question - the CMS can ask both named parents to take a DNA test or can ask a court to make a decision. During a dispute, if the named parent has assumed parentage (eg they are named on the birth certificate), they will still need to pay child maintenance but the CMS may refund amounts paid if non-parentage is proved.
Family-based arrangements vs Child Maintenance Service
If both parents can agree on a family-based arrangement to cover child maintenance payments, this is cheaper, more efficient and less acrimonious than relying on the CMS. Although a family-based arrangement is not legally binding, if difficulties arise, the CMS can step in. However, there are various fees charged by the CMS and these are higher if they also have to collect and distribute payments. Nevertheless, the CMS is very useful if parents cannot reach an agreement between themselves or in cases involving domestic violence.
For more information on child maintenance payments, read the Government's guidance or Ask a lawyer for individual advice. If you are located in Scotland and require information about child maintenance, read Child maintenance in Scotland.