Official: social security helps many breathe easy this summer

This summer brings relief for many families in the United States. The Social Security Administration (SSA), through the IRS, has confirmed an important gesture for parents. They have the opportunity to claim a tax credit that provides real relief in the family budget.

The IRS recently reminded that day summer camp expenses count as Child and Dependent Care Credit. These credits help families pay for the care of children under 13 years old, so parents can work or look for a job.

Important Announcement From SSA and IRS for This Summer: Claim It for Your Own Good

You can claim up to $3,000 for one child under 13 years old or $6,000 if you have two or more dependents. The credit percentage ranges from 20% to 35% of expenses, depending on your income. For parents with lower income, the credit is more generous; for those with middle income, it drops to 20%.

Something important to note is that only day camps are included—not boarding or overnight camps. This includes activities such as sports, art, technology, or recreation. The expenses are considered dependent care expenses.

The credit applies to children under 13 years old or any physically or mentally incapacitated dependent who lives with you more than half the year. The SSA doesn't allow claims for expenses paid to relatives who depend on you, except under special rules.

A Real Relief for Thousands of Families in the U.S.

The direct reduction of the tax bill isn't a deduction: it's a credit. Every dollar claimed directly reduces the tax owed, and in many cases can result in a refund.

In addition, the conditions for accumulating Social Security credits remain in effect in 2025. This expense doesn't change that record, but by reducing the tax, it improves family solvency.

Overall, families can better anticipate and organize child care expenses. The impact on household finances—with credits of up to $1,050 per child depending on income—is tangible for many.

How to Apply Without Complications

The first step is to keep the camp receipts: they must include name, address, date, and amount paid. You must submit Form 2441 along with your tax return (Form 1040).

Make sure there is earned income, your state allows it, and the camp took place during a period when you worked or looked for a job. If your job offers a dependent care FSA, your expenses are reduced by what you've already been reimbursed, avoiding "double benefit."