Emblematic of so-called large families, the SNCF eponymous card allows you to benefit from reductions of up to 75% on train tickets, for a cost of 19 euros (valid for three years). Added to this are preferential rates linked to partners (leisure, museums, food, household appliances, insurance, sports, cinemas, etc.). We can also cite a extended parental leave and better compensated andhelp from some town halls with lower canteen, daycare and leisure center prices, or certain municipal social action centers (CCAS).
For families with three siblings, thebasic allowance for childcare benefit (Paje) varies between 99.08 and 198.16 euros and is paid under means conditions for “ help finance expenses related to maintenance and education», Specifies the government website. Still from CAF, the family supplement is dedicated to families with 3 children, the last of whom is at least 3 years old. Paid each month, it amounts to 198.16 euros, but can be increased to 297.27 euros depending on the household’s income.
Taxes and employer
Don’t forget to ask your mutual insurance company because many organizations pay a substantial birth bonussometimes reaching several hundred euros. Without forgetting your employer and/or your Social and Economic Committee (CSE), which can offer holiday vouchers or vouchers whose amount is increased for large families. Finally, find out about the Pre-funded CESU : they allow you to pay for home help or babysitting at a lower cost. So many conventional advantages which, put together, make it possible to reduce (a little) the budget.
Side taxesthe third child counts double: “ While the first two dependents are entitled to half a share eachspecifies Xavier Colard, associate lawyer at Cazals Manzo. From the third, each child is entitled to a full share “. Which can represent up to €3,614 of tax benefit (twice 1,807 euros for the first and second). It should also be mentioned the tax credit when childcare costs are incurred for a child under 6 years old, equal to 50% of the expenses incurred. The ceiling being set at 3,500 euros per child, you can deduct up to 1,750 euros per head from your tax.
Logistics and the future
For beneficiaries of APL or ALF (for new housing), there is the moving bonusif you change residence between the 1st day of the calendar month following the end of your 3rd month of pregnancy and the last day of the month preceding the 2nd birthday of your youngest, which amounts to 1,147.58 euros. It is also possible to be reimbursed, in part, of the CO2 penalty if you purchased or rented a vehicle subject to the penalty as part of a long-term rental plan. The amount? It depends on the number of children and the car but can reach several tens of thousands of euros.
Little known to the general public, the reduction of 610 euros on inheritance tax starts from the third child. “ It’s rather symbolic », adds the lawyer. For retirement, the amount of your Retirement Insurance pension is increased by 10% if you have had at least three children. And this increase is granted to both parents: father and mother. Details and supporting documents will be provided when compiling your file.
