November 20, 2018 - {3:00 minutes to read} In the last post, I addressed the designation of beneficiaries of your life insurance in order to ensure the continuation of child or spousal support. While the continuation of support is important, there are some other issues about life insurance coverage that may need to be discussed in mediation. Employer-Provided Life Insurance Individual life insurance policies owned and paid for by the parties provide the most control and flexibility in ter [...]

October 26, 2018 - {4:00 minutes to read} Life insurance is not a topic most people are eager to speak about, let alone if you are separating. But life insurance is a topic you should be prepared to discuss in your mediation. Under New York law, a judge may order a party to obtain and maintain life insurance coverage naming as beneficiaries either the children (for child support) or the spouse (for maintenance) for so long as the party is obligated to pay child support and/or maintenance. [...]

March 14, 2018 - {3:42 minutes to read} Interim agreements are agreements that determine certain terms before the parties sign a comprehensive separation agreement. Some of the topics that may be covered by these kinds of agreements could be:  How to handle the sale of a house; Support and parenting plans; A provision that marital assets stop accumulating as of a certain date; and Arranging for the disposition or purchase of a particular asset. Typically, in my practice, cl [...]

January 31, 2018 - {3:48 minutes to read} While the New York Child Support Standards Act (CSSA) is not perfect, it does provide a sensible framework for addressing the indirect expenses that a parent experiences. These indirect expenses are the most difficult to calculate and the most difficult for the child support payor to understand. “I’m willing to pay 100% of my children's expenses for clothing, activities, medical insurance and expenses — why should I have to pay c [...]

January 3, 2018 - {4:06 minutes to read} “We don’t need to mediate–we agreed to everything already and just want you to write it up.” “We don’t have any assets, so we don’t have anything to talk about.” “We don’t need a separation agreement, we just want to get divorced.” Undoubtedly, as all mediators do, I’ve heard these statements, or variations on them, more often than I can count. It’s understandable, bu [...]

September 20, 2017 - {4:18 minutes to read} I’ve heard many complaints regarding divorce mediation: “It might be okay for simple matters but not for anything complicated.” “It’s too touchy-feely.” “You give up all of your rights when you mediate.” These types of complaints are easily dismissed as biased and uninformed; however, there are some complaints I’ve heard which I agree should be taken seriously. Mediator Lacking Relevant [...]

July 6, 2017 - {3:06 minutes to read} In the previous part of this series, we looked at parental considerations in relation to a child’s college education. In this final post, we will discuss the child’s role with regard to their college education and any credits against child support. Should there be a contribution from the child? Do you believe that the child should be responsible to pay for part of college, through loans or otherwise? This has both philosophical (shou [...]

June 21, 2017 - {3:18 minutes to read} In Part 1 of this series, we looked at parental considerations in relation to a child’s college education. In Part 2, we will define typical college expenses and look at limits on what a parent will contribute. How do you define “college expenses? Is it just tuition, room and board, or do you want to consider other typical expenses that will be due? In addition to tuition and room and board, most parents include a provision to share: [...]

June 5, 2017 - {4:00 minutes to read} Certain children’s expenses must be paid in addition to child support, according to the child support statute: medical insurance premiums, unreimbursed medical expenses and child care expenses. These are mandatory add-ons. Then, there are expenses that may be ordered at or in the Court’s discretion, including post-secondary educational expenses. The Court will consider the parties’ circumstances and what is in the best interest o [...]

February 1, 2017 - {3:12 minutes to read} There are so many sources of information available to someone in the process of divorce: Attorney consultation; Financial divorce professional consultation; The internet; Their friend, hairdresser, cousin, sister or co-worker . Some are clearly less reliable than others. In fact, it’s rare for me to see clients who haven’t received some version of what they believe their rights and obligations under the law to be. This informa [...]

January 4, 2017 - {4:00 minutes to read} In New York, case law provides that when parents share equal physical custody of the children, the parent who earns more pays child support to the parent who earns less, based on the Child Support Standards Act.If there is a great disparity between their incomes, that might make sense. But if there is less than a substantial difference and both parents need to maintain a household for the children, applying the statute can put one parent in financi [...]

November 9, 2016 - {3.36 minutes to read} I try to avoid jargon when working with clients. When I’m not successful, it’s easy to spot by the looks on clients’ faces when they have no idea what I’m talking about. One of these is the phrase “add-ons to child support,” which I tend to use before offering an explanation. This is a very common phrase to professionals who work with separating parents. For the parents themselves, not so much. The basic child [...]