Combine Child Benefit and Family Tax Credit

Child Benefit (CB) is blunt and paid indiscrimiately to all families.  It is however cheap to administrate as a result.  Family Tax Credit (FTC) is targeted at poorest.  Of course, that makes it very expensive to administer. 

Combine to a single benefit targeted at the poorest – those below 1.5x average income through Tax Credit system.  Benefits scalled to benefit the lowest income families. 

Why is this idea important?

Child Benefit (CB) is blunt and paid indiscrimiately to all families.  It is however cheap to administrate as a result.  Family Tax Credit (FTC) is targeted at poorest.  Of course, that makes it very expensive to administer. 

Combine to a single benefit targeted at the poorest – those below 1.5x average income through Tax Credit system.  Benefits scalled to benefit the lowest income families.