What does UK law say about providing financial support for children over 18?

As children grow into adulthood, it’s natural for their parents to wonder about their financial responsibilities. Do you still need to support them after they turn 18? And how might your family situation play a role in this?

In the UK, the answer can be complex and varies based on each family’s circumstances. To make things easier, the family law specialists at Sousa Law have put together this guide to help you understand when financial support might still be needed, what UK family law says about supporting adult children, and how to navigate this new stage with confidence.

When are parents required to support adult children?

In the UK, parents’ legal responsibility for their children usually ends when they turn 18, as this is when they officially become adults. This means parents aren’t typically required to provide financial support beyond this point. However, there are some important exceptions:

1. Education and training

If a young adult is still in full-time education or vocational training, parents might need to continue providing financial support until they finish their studies. This can extend until the completion of their education, potentially even covering university studies. Support of this kind is usually arranged through court orders under Schedule 1 of the Children Act 1989.

2. Disability or special circumstances

If an adult child has a disability or other special circumstances that make it hard or impossible for them to support themselves, courts can require parents to continue providing financial support. This support is arranged under Schedule 1 of the Children Act 1989, which allows for maintenance orders to help adult children in these situations.

3. Divorce settlements

In divorce proceedings, financial arrangements can include support for children over 18. This is especially common if they’re in higher education or have special needs. These arrangements are usually set up through court orders, with the specifics depending on the needs of the family.

4. Transitioning to independence

Even without extenuating circumstances, the reality is that many young adults need some time to transition to fully supporting themselves. Housing, entry-level salaries, and everyday expenses make it difficult for new graduates or those just starting out to cover everything on their own, especially with the cost-of-living crisis hitting hard. While parents aren’t legally required to help, many choose to provide support until their children feel more financially secure and independent.

Who determines financial support obligations for adult children?

Child Maintenance Service (CMS) typically only handles support payments until a child turns 18. After that, any financial support for adult children is usually arranged through legal agreements or court orders.

Since financial support for adult children can be complex – especially when it comes to education or special needs – it’s often best to get legal advice to understand your responsibilities and options.

How to address financial support with your child

Supporting a young adult financially can give them a leg up as they step into the world, but unless you’re planning on long-term support – like in cases of disability – it can also bring up questions around boundaries and financial independence.

As you help your child navigate this stage, make sure to have open, clear discussions about expectations, such as how long you’re able to offer support and any shared goals you might have. For example, if you’re helping with living expenses while they’re in school, you could talk about budgeting together, looking into part-time work, or planning for financial independence after graduation.

Open conversations about finances can build trust, make sure you’re on the same page, and keep your relationship strong as your child works toward becoming more self-sufficient.

Trust Sousa Law for guidance on all areas of family law

At Sousa Law, we know that supporting a young adult can be as challenging as it is fulfilling. Our family law experts are here to help you make sense of UK family law and provide clear guidance tailored to your family’s future. Whether you’re looking for advice on legal responsibilities, support through divorce settlements, or help with family arrangements, we’re here to help you navigate this important life stage.

Book a confidential consultation online or give us a call on 02380 713060, and let’s find the best path forward for your family together.