Each state has Child Support Guidelines which mandate how much support each spouse must contribute toward supporting the children, based on factors which each state determines. The “guidelines” are actually very specific laws with specific calculations. Pick up a copy of your state’s guidelines at your local courthouse, library, or a lawyer’s office. Many are even posted on the internet. You can use the Guidelines to estimate expected child support payments. Each state’s calculations are different, but each takes into account what both parents earn and some of the children’s basic expenses. Child support is also based on how much time the children spend with each of you. Click here to visit a website devoted to child support guidelines.
Child Support and Income
In every state, both parents’ incomes are the key pieces of information used to calculate child support. In addition to mandatory deductions for taxes, many states take into account the children’s health insurance premiums and daycare costs, but other permitted deductions from income influencing child support vary from state to state. If there are factors that allow deviations from the guidelines, they will be listed in the guidelines. Typical deviations may include: a child’s extraordinary medical or educational expenses, extraordinary access expenses (like plane tickets to visit an out-of-state parent), and a child’s own income or assets which may be used for his or her support. Deviations are not permitted because of a parent’s extraordinary “credit card payments” or a “car loan payment”, or other expenses incurred by the parents. The law recognizes that your first responsibility is to your child, not to MasterCard or your landlord.
Most states consider any money which comes to you on a periodic basis to be income. This means that wages, commissions, bonuses, interest, dividends, worker’s compensation, unemployment compensation, and even social security are considered “income” in most states. Income is income, even if you haven’t received it yet. For example, suppose you typically receive a bonus each year based on your sales performance. The cutoff date for your performance record is June 30 of each year. You receive your bonus in December of that same year. If it’s September, your bonus will be considered part of your income even though it hasn’t been received by you yet.
Another example is stock dividends. The dividends are often automatically reinvested, so you don’t actually have the cash to spend. Because stock dividends are earned, and you could choose to liquidate rather than reinvest them, they are deemed to be income.
Social security comes with some complications, since it has special benefits for recipients with minor children. In most cases, the benefits that children receive directly from social security will be considered when child support is calculated. Typically, however, the government-provided benefit is only part of what the parent will be required to pay on the child’s behalf. How social security is treated varies across states, and will be clarified in your state’s child support guidelines. Click here for more information.
Excerpted from Your Divorce Advisor: A Lawyer and a Psychologist Guide You Through the Legal and Emotional Landscape of Divorce (Simon & Schuster/Fireside 2001). For more information: http://www.yourdivorceadvisor.com/.
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