Five questions answered on the new child benefit cuts taking effect today

Families earning over a certain amount will today lose their child benefit. We answer five questions on the changes to the UK child benefit system.

How much do you have to be earning to lose your child benefit?

Under the new legislation families with one parent earning more than £50,000 will lose part of their child benefit. If one parent earns more than £60,000 their child benefit will be withdrawn altogether.

What these families will actually be losing is £20.30 a week paid for the first child and £13.40 a week for every child after that until the age of 16 or 18, if they are still full time education, in some cases this may continue until the child is 20.

How much does the government hope to save with this new benefit scheme?

Approximately £1.5bn a year, which will be used to help reduce the deficit.

What are critics of the changes saying?

Critics have pointed out that two parents earning £49,000 a year will keep their benefit, while a family with one parent working who earns £51,000 will lose their benefit even though jointly they have a smaller household income.

They also point out that those who never opted out of child benefit by the deadline will now have to fill out a self assessment tax form creating complexity in the system.

If someone or their partner keeps claiming child benefit when now not entitled to it the money will have to be clawed back by High Income Child Benefit Charge run by the HMRC after the recipient declares it in a self assessment tax form.

The Institute of Fiscal Studies (IFS) estimates that 500,000 extra people might have to fill in these forms as a result of the change.

How many people will be affected by the cuts?

It is estimated that more than a million will be affected by the changes with the IFS estimating people could lose about £1,300 a year.

What has the treasury said?

A Treasury spokesman told the BBC: "Withdrawing child benefit on the basis of the combined family income would require intrusive means-testing of all eight million households getting child benefit. The way we are doing it is simpler for the vast majority of families."

A baby, about to lose its benefits. Photograph: Getty Images

Heidi Vella is a features writer for Nridigital.com

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Indie band The 1975 want to “sue the government” over the Electoral Commission’s latest advert

Frontman Matt Healy perhaps isn’t aware that the Electoral Commission is not, in fact, the government (or believes that this is part of a wider conspiracy).

How do you make registering to vote in the EU Referendum cool? It sounds like something  from The Thick of It, but judging by the Electoral Commission’s latest TV ad for their new voting guide, this was a genuine question posed in their meetings this month. The finished product seems inspired by teen Tumblrs with its killer combination of secluded woodlands, vintage laundrettes and bright pink neon lighting.

But indie-pop band The 1975 saw a different inspiration for the advert: the campaign for their latest album, I Like It When You Sleep For You Are So Beautiful Yet So Unaware Of It (Yes, a title perhaps even more cumbersome than “The EU Referendum - You Can’t Miss It (Phase One)”).

Lead singer Matt Healy posted a picture of the guide with the caption “LOOK OUT KIDZ THE GOVERNMENT ARE STEALING OUR THOUGHTS!!” back on 17 May. The release of the TV spot only furthered Healy’s suspicions:

Healy perhaps isn’t aware that the Electoral Commission is not, in fact, the government (or believes that this is part of a wider conspiracy).

The 1975’s manager, Jamie Oborne, was similarly outraged.

Oborne added that he was particularly “disappointed” that the director for the band’s video for their song “Settle Down”, Nadia Marquard Otzen, also directed the Electoral Commission’s ad. But Otzen also directed the Electoral Commission’s visually similar Scottish Referendum campaign video, released back in September 2014: almost a year before The 1975 released the first promotional image for their album on Instagram on 2 June 2015.

Many were quick to point out that the band “didn’t invent neon lights”. The band know this. Their visual identity draws on an array of artists working with neon: Dan Flavin’s florescent lights, James Turrell’s “Raemar pink white”, Nathan Coley’s esoteric, and oddly-placed, Turner-shortlisted work, Bruce Nauman’s aphoristic signs, Chris Bracey’s neon pink colour palette, to just name a few – never mind the thousands of Tumblrs that undoubtedly inspired Healy’s aesthetics (their neon signs were exhibited at a show called Tumblr IRL). I see no reason why Otzen might not be similarly influenced by this artistic tradition.

Of course, The 1975 may be right: they have helped to popularise this particular vibe, moving it out of aesthetic corners of the internet and onto leaflets dropped through every letterbox in the country. But if mainstream organisations weren’t making vaguely cringeworthy attempts to jump on board a particular moment, how would we know it was cool at all?

Anna Leszkiewicz is a pop culture writer at the New Statesman.