As a parent getting a divorce in Pennsylvania, you'reprobably worried sick about what your divorce will do to your kids.
Emotionally and financially.
You love your children and want the best for them. But you're concerned your divorce is going to make it harder for them to get the financial support they need in order to live healthy and happy lives.
That’s where the PA child support guidelines come in.
But there's a lot more to know about child support in Pennsylvania than you might think.
What is The Purpose of Child Support?
Some parents think the purpose of child support in PA is simply to cover the costs associated with raising their children post-divorce.
But child support is about more than just money.
While it's true that child support is designed to ensure your children's financial well-being, that's only half of it.
Soon you'll no longer be husband and wife, but you’ll always be mom and dad. And the last thing you'll want your children doing is worrying about holes in their shoes, missing out on summer camp or wondering whether they'll have enough to eat.
So child support also shows your kids you still love them and care about their emotional well-being, too.
There are a few things you need to know about the challenges of determining PA child support:
- While there is a child support guideline, it can (and is often) deviated from, it doesn’t include all the expenses required to raise a child, and it isn’t applicable in all situations;
- This topic has less to do with laws and more to do with money, negotiation and doing what’s best for your kids;
- There is more than meets the eye on this issue and in the majority of cases, this subject is much too complex for you to try to resolve on your own.
That's why you will get the best result by mediating with us.
"Most parents think the child support guidelines output a specific dollar amount and that’s that. But the reality is the guidelines are just a starting point for negotiations.
That's why the best way to come to a fair agreement and ensure your children get the financial support they need is to work with an experienced mediator like me.”
The child support guideline in Pennsylvania is a guideline, not a formula.
All 50 states are required to have a systematic way by which to determine child support. So every state including PA has a child support guideline. But the way child support is determined varies from state-to-state.
Some states use a simple percentage-based formula. You’d simply take a share of the supporting party’s income and give it to the other party and you’re done.
While some states, like Pennsylvania, use more of a comprehensive guideline which factors in items such as your incomes, the ages of your children, the number of overnights they spend with each of you, and sometimes others.
But even when using the guideline, determining Pennsylvania child support isn't as easy as you might expect.
Determining PA child support is more complex than it seems.
PA child support is determined using the "Income Shares" model.
The income shares model attempts to take into account a number of factors including:
- Your incomes;
- The number of overnights the children spend with each of you; and
- The ages of your children.
The guidelines are run and a basic child support obligation is outputted.
But there are a number of issues you'll face when using the PA child support guidelines "as-is."
First is the issue of the amount generated by the guideline. This amount is presumed to be appropriate in all cases. But it’s a lot more expensive to raise children in parts of Pennsylvania such as Philadelphia or Pittsburgh than it is in Lancaster County, for example.
Yet the same guideline is used state-wide!
So while the guideline may output an amount, you may still choose to deviate from it. And deciding whether it should go up or down can be a point of contention among divorcing couples.
Child support in PA may increase or decrease for any one (or more) of the following reasons:
- If either of you have any unusual financial needs;
- What each of your shares of the division of your marital assets and liabilities will be per the terms of your settlement;
- If either of you have other support obligations to a third-party;
- How old your children are;
- If either of you have a source of income other than what is reported on your paychecks or W-2’s;
- Other non-marital assets and liabilities you may own or owe;
- If the children have any extraordinary medical costs not covered by health insurance;
- What the standard of living was for the children while you were married, and
- The always popular and eternally vague “any other factors deemed relevant including the best interests of the child.”
Then there’s the issue of which parent pays.
Typically, the parent with whom the children spend less time will be the one paying child support.
But what if you’re the parent who is also earning less? Is it fair that you should have to pay child support based on what the guideline states even if it creates a financial hardship for you?
Can one parent waive child support on behalf of the children? And does that excuse the non-custodial parent from any financial obligations associated with the kids?
So while you might think you simply run the guideline and use the number calculated, it’s not even close. The reality is that the number isn’t a hard and fast formula, but rather, a suggestion.
And it’s just a starting point for negotiation.
From there, it’s up to you and your spouse to negotiate an agreement that’s in the best interests of your children and that you both find fair.
Which is not always so easy to do.
A lot is left out of the PA Child Support Guidelines.
So far, we've talked about how the guidelines output a basic support obligation that one of you may wind up paying to the other. And it's based on a number of factors including your incomes, the number of overnights the kids spend with each of you and their ages.
But even when you run the PA child support guidelines, there are still a number of other expenses that aren’t covered in the basic support obligation.
- Child care;
- Private school;
- Sports camps;
- PlayStations, X-Boxes and Nintendo's;
- SAT prep;
- Auto insurance;
- And more!
We refer to these as “extraordinary" expenses.
And as a parent, you know these types of expenses can be quite significant! Especially when your kid just has to have the new PlayStation 99 or is the next budding 1st baseman for the Phillies or Pirates.
Extraordinary expenses must be discussed and negotiated separately to ensure your children get the compete financial support they need and deserve.
Starting to see why that free calculator you found on the Internet isn't helpful in determining child support?
There are other items that must be discussed surrounding child support in PA.
In addition to the standard as well as extraordinary costs associated with raising children, you and your spouse will also need to discuss and come to agreement on:
- Who will pay for their health insurance;
- Who takes the kids as a tax deduction;
- Whether or not to get life insurance to cover the children's expenses should one of you pre-decease the other before they are emancipated;
- How to pay for college;
- And how long child support will last as depending on your unique situation, it may continue on past the normal age of emancipation.
Suddenly, the PA child support guidelines aren't so comprehensive!
The Pennsylvania child support guidelines aren’t applicable in all situations.
In order for the PA child support guideline to be applied "as-is," your income and your spouse’s income must be predictable from month-to-month and year-to-year.
So if one or both of you earn more of your compensation from bonuses, commissions or stock options, the guidelines simply won’t work.
And if your income falls below or above certain limits, you can't use the guidelines, either.
Meaning if you and your spouse collectively earn more or less than a set amount per year, the guidelines also won’t work. And that's just one more example of why it’s called a child support guideline and not a formula.
In either case, you’ll have no choice but to skip the guidelines and negotiate instead.
Which is not always so easy to do.
When the law gets involved, it’s a problem.
There’s something you need to understand here: In a litigated divorce, a judge determines child support.
Sounds scary, doesn’t it?
Because they’ll dictate the terms of the settlement and both spouses might wind up with something they don’t think is fair or that doesn’t appropriately meet the needs of their children.
That’s why it’s better to negotiate this issue and that’s exactly what mediation is all about.
In mediation, you get to decide - and come to an agreement that puts your children first and you both agree is fair, instead of letting your future be decided by a stranger.
You’ll get the best result by mediating with us.
Child support issues will vary based on your situation and circumstances.
And as you’ve learned, there is more than meets the eye on this topic. So don't risk putting your children's financial future in jeopardy by trying to resolve child support on your own.
Use divorce mediation and work with us instead!
Using our extensive financial knowledge into the complex matters of child support, we’ll help you and your spouse determine an amount that accurately reflects your the specialized needs of your children.
One that covers all ordinary, extraordinary and future expenses.
- We’ll talk about who your children are, what they like to do and what it will take to make sure they’re getting what they need and deserve. Not just what the formula says you have to pay so they can “get by.”
- We’ll work through specialized cases like child support in which you share in the care of your children equally. As that type of support has its own unique method for determination.
- We’ll help you negotiate any issues of disagreement and create an agreement you both find fair and equitable regarding the support of your children.
- We’ll also make sure you and your spouse not only come to an agreement that you both find to be fair, but also one that minimizes tax issues, avoids penalties and improves cash flow whenever possible.
Because no two situations are alike.
Your children are unique and your child support agreement should reflect that, too.
Equitable Mediation can help you prevent your children from becoming economic victims of your divorce.
Why be forced to accept a settlement created by an attorney or judge when you can have a direct say in creating an agreement that works for your children now and into the future instead?
If you want your divorce to be fair and equitable, and you want to make decisions as parents, not as litigants, do what’s best for your kids and mediate your divorce with Equitable Mediation.
If you and your spouse have both agreed to divorce and want to mediate, take the next step and book an initial meeting for the two of you.
Early in the process?
Get our Free eBook to learn about the benefits of mediating your divorce.
Before you go out and hire a divorce lawyer, learn why you owe it to yourself and your children to mediate instead.
Other Useful Resources: