Max Circuits in a Sub Panel
I have a 100A sub panel in my attached garage that is fed with 6/3 (copper NM-B) off a 40A breaker in my main panel. The panel has 6 slots and will handle 12 circuits. Now, my understanding is as long as I don't have more than 6 circuits on this sub panel, I am not required to run the feed through a main breaker at the panel. It doesn't have provisions for a main, so it would have to be back fed. I currently have two 240V 20A circuits and two 120V 20A circuits. That's a total of 6 breakers, but since I'm using combo breakers, it's only in 4 slots. I would like to add a couple of more circuits. My interpretation of the NEC says I can do this without needing a disconnect (main) at the sub panel as long as the total number of breakers in the panel only require 6 hand movements to shut down the entire panel. Correct or wrong? In other words... since my two 240V circuits are on tied breakers, they only count as one because the circuit can be shut off with one hand stroke. Please enlighten me if I'm wrong...