How to Calculate Child Support in NY: A Comprehensive Guide

Child support is a financial obligation paid by one parent to the other for the care and support of their child or children following a separation or divorce. The primary purpose of child support is to ensure that the child's basic needs—such as food, clothing, shelter, education, and medical care—are adequately met. Child support is designed to provide children with a stable and secure environment that supports their development and well-being, regardless of the parents' marital status.

The legal framework for child support in New York is governed by the New York Child Support Standards Act (CSSA). This act establishes clear guidelines and formulas to determine the amount of support a non-custodial parent must pay. These guidelines consider various factors, including the income of both parents, the number of children, and the specific needs of the child. Understanding these guidelines is essential for parents to ensure that they are meeting their financial obligations and providing adequate support for their children.

Factors Considered in Calculating Child Support

Income of Both Parents

Gross Income Under NY Law:

Gross income includes all earnings and income from various sources before any deductions. This comprehensive approach ensures that all potential income is accounted for when calculating child support.

Types of Income Considered:

• Wages and Salaries: Regular earnings from employment.
• Bonuses and Commissions: Additional earnings from work performance.
• Self-Employment Income: Earnings from owning a business or freelance work.
• Investment Income: Income from dividends, interest, and capital gains.
• Rental Income: Earnings from property rentals.
• Pensions and Retirement Benefits: Regular payments from retirement funds.
• Social Security Benefits: Payments received from Social Security.
• Unemployment Benefits: Payments received during periods of unemployment.
• Other Sources: Any other form of income, such as lottery winnings or alimony received from a previous marriage.

Number of Children

The CSSA specifies different percentage guidelines based on the number of children requiring support. The more children involved, the higher the percentage of combined parental income allocated for child support:

• 1 child: 17%
• 2 children: 25%
• 3 children: 29%
• 4 children: 31%
• 5 or more children: at least 35%

Custodial Arrangements

• Primary Custodial Parent: The parent with whom the child primarily resides typically receives child support payments.
• Shared Custody: In cases where parents share custody, child support calculations may consider the amount of time the child spends with each parent and the relative incomes of both parents.
• Visitation Schedules: The non-custodial parent’s visitation schedule can also impact the amount of support, as significant visitation time might reduce the support obligation.

Deductions and Allowances

Allowable Deductions:

• Existing Child Support Payments: Deductions for child support payments made for children from previous relationships.
• Alimony: Deductions for spousal support payments made to a former spouse.
• Federal, State, and Local Taxes: Consideration of tax obligations to calculate net income.
• Social Security Taxes: Deductions for contributions to Social Security.

Specific Allowances for Special Circumstances:

• Health Insurance Premiums: Deductions for the cost of health insurance premiums for the child.
• Childcare Expenses: Consideration of necessary childcare costs while the custodial parent works or attends school.
• Educational Expenses: Allowances for private school tuition or other significant educational costs.
• Medical Expenses: Deductions for out-of-pocket medical expenses not covered by insurance.
• Extraordinary Expenses: Consideration of special needs or extraordinary expenses related to the child's care and upbringing.

The Child Support Formula in New York

Determining Combined Parental Income:

• Calculate Gross Income: Start by calculating the gross income of both parents. This includes all sources of income such as wages, bonuses, investment income, and any other earnings.
• Subtract Allowable Deductions: From the gross income, subtract allowable deductions such as existing child support payments, alimony, and certain taxes to determine the adjusted gross income.
• Combine Adjusted Incomes: Add the adjusted gross incomes of both parents to get the combined parental income.

Applying the Percentage Guidelines Based on the Number of Children:

• Percentage Guidelines: The New York Child Support Standards Act (CSSA) specifies percentage guidelines that are applied to the combined parental income to determine the basic child support obligation (see above).
• Apply Percentage: Multiply the combined parental income by the applicable percentage based on the number of children. This calculation provides the basic child support obligation.

Pro Rata Share of Child Support Obligation:

• Calculate Pro Rata Share: Each parent’s share of the child support obligation is proportional to their percentage of the combined parental income.
  • Example: If one parent’s income represents 60% of the combined parental income, they would be responsible for 60% of the child support obligation.
• Determine Individual Contributions: Multiply the total child support obligation by each parent’s pro rata share to determine the individual contributions.
  • Example Calculation:
    • Combined parental income: $100,000
    • Basic child support for 2 children (25%): $25,000
    • Parent A’s income: $60,000 (60% of combined income)
    • Parent A’s obligation: $25,000 x 60% = $15,000
    • Parent B’s income: $40,000 (40% of combined income)
    • Parent B’s obligation: $25,000 x 40% = $10,000

Additional Child Support Considerations

Health Insurance and Medical Expenses

Requirement for Providing Health Insurance:

• Obligation: In New York, either parent may be required to provide health insurance coverage for the child if it is available at a reasonable cost. The court will determine which parent is best suited to provide this coverage based on their employment and insurance availability.
• Cost Sharing: The cost of health insurance premiums for the child is typically shared between both parents, proportionate to their respective incomes.

Division of Uninsured Medical Expenses:

• Uncovered Costs: Uninsured medical expenses, such as co-pays, deductibles, and other out-of-pocket costs, are divided between the parents. The division is usually proportional to their incomes.
• Documentation: Parents should keep detailed records and receipts of any uninsured medical expenses to ensure accurate reimbursement and accountability.

Childcare Expenses

• Work-Related Childcare: Childcare expenses incurred due to work, job training, or educational pursuits are considered necessary and are generally divided between the parents based on their income shares.
• Daycare and Babysitting: Costs for daycare, babysitters, after-school programs, and other childcare services are included in this category.

Educational Expenses

• Private School Tuition: If the child attends private school, the cost of tuition may be included in the child support calculations. The court will consider the parents’ financial ability to pay and the child's educational needs.
• Additional Educational Costs: Expenses for tutoring, extracurricular activities, school supplies, and other educational-related costs can also be factored into the child support obligation.

Extraordinary Expenses

• Special Needs: Children with special needs may require additional support for medical care, therapy, specialized education, and other necessary services. These costs are typically divided proportionally between the parents based on their incomes.
• Extraordinary Expenses: This category includes any significant, non-recurring expenses that are necessary for the child’s welfare, such as expenses for braces, major medical procedures, or travel costs for visitation.

Common Mistakes to Avoid in Child Support Calculations

Inaccurate Reporting of Income

• Legal Requirement: Both parents are legally required to provide complete and accurate information about their income. Failing to disclose all sources of income can lead to incorrect child support calculations and potential legal consequences.
• Fairness: Honest reporting ensures that the child support amount is fair and based on the true financial abilities of both parents. This helps in providing adequate support for the child's needs.
• Documentation: Keep thorough records of all income sources, including pay stubs, tax returns, and statements for bonuses or commissions, to provide a clear financial picture.

Overlooking Deductions and Allowances

• Deductions: Make sure to account for all allowable deductions when calculating child support. These can include existing child support payments for other children, alimony payments, and certain tax obligations.
• Special Circumstances: Specific allowances for unique circumstances, such as extraordinary medical expenses or special needs costs, should also be factored into the calculation.
• Professional Guidance: Consulting with a family law attorney can help ensure that all relevant deductions and allowances are included, leading to an accurate support amount.

Ignoring Changes in Circumstances

• Life Changes: Significant changes in either parent's circumstances—such as a new job, loss of employment, change in income, or significant changes in the child's needs—can impact the child support amount.
• Legal Process: File a petition for modification with the court to adjust the child support agreement when there are substantial changes in circumstances. This ensures the support amount remains fair and reflective of current situations.
• Regular Review: Periodically review the child support agreement to ensure it still meets the child's needs and reflects the parents’ financial situations. This proactive approach can help prevent disputes and ensure ongoing compliance with legal obligations.

Hartin Family Law

Navigating the complexities of child support calculations can be challenging, but you don't have to do it alone. At Hartin Family Law, we are dedicated to providing expert legal guidance and support to ensure that your child support arrangements are fair, accurate, and in the best interest of your child. Our experienced attorneys are committed to helping you understand and apply the New York Child Support Standards Act (CSSA) guidelines, ensuring that all relevant factors are considered.

If you need assistance with calculating child support, modifying existing support orders, or any other family law matters, contact Hartin Family Law today. Our team is here to provide the support and expertise you need to achieve a positive outcome for you and your child.

Contact Us

• Address: 511 Ocean Ave, Suite 113, Massapequa, NY 11758
• Email: Info@HartinFamilyLaw.com
• Phone: (516) 666-0539
• Website: Hartin Family Law