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Dear Rhode Island Divorce Coach,

I need help and I can't afford to hire a Rhode Island Divorce Lawyer or even pay your coaching fee.  Yes, financially I'm doing pretty bad since I got laid off after 15 years.  I've made good money but now unemployment is going to run out and I don't even know how I'm going to afford food or rent.  She just want's child support again for my son again and she says it's my problem.

My ex and I have been divorced for almost 9 years.  We had two kids together.  My daughter is 19 years old and she's going to Rhode Island Community College and doing great.  My son a great kid.  He is somewhat learning disabled and I've been told he has the mental age of 13 even though he's almost 21 years old.  

The Rhode Island family court terminated my child support for my daughter just shortly after she turned 18 and again for my son at age 19.

My ex-wife is taking me back into court to get child support for my son.  She says she'll get it because he is learning disabled and is still living at home with her.

There's no chance she can do, is there?  I mean, once the court tells me I don' t have to pay anymore I'm done, right?

J from Pawtucket.

The Rhode Island Divorce Coach's Answer:
      
     J.  I certainly can't give you an exact answer because lawyers don't make the decisions, it's the Judge's that do that and it is all based upon all the circumstances and I can never be sure if you've given me all the circumstances or how a judge might view them depending upon how they are presented in court.

     I can tell you that effective July 9, 2011 the law regarding this subject changed.  Specifically, General Laws 15-5-16.2(b) which provides the fundamental considerations the court must consider when determining the child support for children who have a severe physical or mental impairment and are still living with or under the care of a parent even beyond the child's emancipation date as set forth in the statute (deemed to be 19 years old at the latest) has been modified.

While the Rhode Island Family court was already afforded the power to issue a child support order for the severely physically or mentally disabled child beyond the age of 19 in its discretion provided the court found that continued child support was warranted under the circumstances.  

Now, in your case you have told me that before the law was changed your child support obligation for your son was terminated by the family court.  You don't mention anything about whether the court determined if your son with physically or mentally impaired, or if your son was living with either you or your ex-wive at the time your child support obligation for him was terminated, so I will address the change in the law.  You should then apply what the change in the law states to your situation since it would be improper for me to speculate on your situation without asking you further questions during a paid coaching session.

Rhode Island General Laws 15.5-16.2 (b) which provides the factors a court must consider when deciding to expand child support beyond a child's 19th birthday has been amended.  As of July 9, 2011, the following addition was inserted after the factors the court must consider.

"If a child support order for a child with a severe physical or mental impairment has been terminated, suspended or expired, the court shall consider the factors in this paragraph and has the discretion to order child support for this child prospectively based upon established child support guidelines."

Essentially this law seems to give the Rhode Island Family Court the power to award child support on a "going forward basis" even after a child's 19th birthday if the child has or had * a "severe physical or mental impairment" and a child support order for that child was terminated, suspended, or expired.  

However, in a nut shell it now makes it possible for your ex-wife to at least petition the court for a continuation of child support if the court determines that your son's condition constitutes a severe physical or mental impairment.

Therefore, based upon the new addition to the law, it IS possible that your ex-wife could take you back to court and be awarded child support for your son on a going forward basis even if your child support was previously terminated provided the court finds that your son's condition meets all the criteria required by that law.

You will want to look at cases determining what constitutes a severe physical or mental impairment under other Rhode Island cases.

I'm sorry that the answer isn't as simple as you might like it.  However, the law can get very complex and often rests on different interpretations and arguments that can be made.  That's why it is always important, in the very least, to seek the advice of an experienced divorce and family law practitioner on matters such as these.

[ *Important Note on Bolded Text:  It is unclear from this addition in Rhode Island General Laws 15-5-16.2(b) whether the child had to have the severe physical or mental impairment (a) At the time the previous Rhode Island child support order was issued, (b) At the time the previous Rhode Island child support order was terminated, or (c) whether the child could have acquired the severe physical or mental impairment at any time after the date the child support order that was terminated was made by the court. ]

I hope you found this of help to you.  Should you need any further assistance, please contact me for an affordable legal advice or Rhode Island Family Law Coaching session from an experienced Rhode Island Divorce and Family Law and Divorce Lawyer and Coach.

My best of luck to you J.

The Rhode Island Divorce Coach - RI Coaching on Child Support Termination

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I'm a divorce lawyer in RI who focuses my law practice exclusively on family law.  Believe it or not, some people just need a little coaching when it comes to how to properly go about terminating their child support in the Rhode Island family court. 

 

 - PATRICK'S CHILD SUPPORT TERMINATION - 

Patrick's Rhode Island child support case is a good example.  Patrick has been paying on a Rhode Island child support order for the past nine (9) years for his daughter, Constance.  Constance is not disabled and she has no mental health illnesses justifying any extended child support.

Constance graduated from high school.  She was going to turn 18 years of age in about three (3) months.  Patrick already knows that his child support should end sometime around the time that Constance turns age 18.  

 

 - FREE CONSULTATION INFORMATION - 

Patrick doesn't want to spend money on a lawyer so he calls a around and gets two (2) free consultations set up and then a RI Family Law coaching and Advice session with me for a full hour for only $135.  By the end of the second consultation Patrick believes he has figured it out.  He knows Constance needs to be 18 which he learned from his first free consultation. From the second free consultation Constance also needs to have graduated from high school before his child support can end.  

 

 - PATRICK'S EFFORT TO SAVE MONEY - 

Patrick cancels his Rhode Island Family Law Coaching and Advice Session to save himself $135.00. 

Patricks feels that the free consultations were enough because one lawyer gave a little bit of information and the other lawyer gave another little tidbit of information.  Together Patrick feels he has his answer and he can avoid spending any money.

As soon as Constance graduates from high school, Patrick stops making his child support payments.


- THE CALL FROM THE MOTHER -

Patrick gets a call from his ex-girlfriend, Judy, who is Constance's mother.  She asks Patrick if he is short on money and needs more time to pay his child support.  Patrick tells her that since Constance is 18 now and has graduated from high school that his child support payments have ended.  

Judy said she knew it was coming sometime but that she thought she would get some kind of notice.  Patrick says that he spoke with a lawyer and he doesn't have to make any more payments.

Judy calls a lawyer about Rhode Island child support and explains what has happened.  The lawyer advises that Patrick is wrong.


- RI FAMILY COURT -

Judy hires the lawyer to file papers against Patrick for Contempt, the Rhode Island Child Support, Interest, Costs for taking time out of work and her attorney's fees.

Patrick is served with the papers and is shocked.  However, he continues to be adamant that since the two lawyers confirmed the two conditions had to be met, that he doesn't have anything to worry about.

 

- A HARD LESSON FROM THE JUDGE -

When they get to court eight weeks later, Patrick finds out that he made a costly mistake.   Patrick is is given only ten days per the Court's Order to pay (1) the last ten weeks of child support plus interest in a lump sum which is $1,170; (2) Judy's lost time from work which is $127.00; (3) Judy's attorney's fees of $750.00; and (4) that he is to continue paying his weekly child support until his RI Child Support is properly terminated by a Rhode Island Family Court Judge.    

 

- RI CHILD SUPPORT TERMINATION COACHING -

Patrick calls me back and after a detailed one (1) hour coaching session about the procedure for the proper termination of his child support, Patrick is ready to prepare the documents he needs to file to have his child support terminated.  The one hour of legal coaching was just what Patrick needed to get the answers he needed.  Sadly he realized only too late that the $135.00 for some solid coaching on his Rhode Island Child Support issue was exactly what he needed to avoid all this cost and aggravation.

 

- RI FAMILY LAW COACHING -

Rhode Island Divorce and Family Law Coaching is the wave of the future and it's here to stay.  People need affordable experienced help when free help isn't available and Coaching provides the answer.

Do you need a little bit of help like Patrick?  Do you need some direction?  

Do you have proper legal information you need to make the important decisions you need to make?  Most people don't!

In my humble opinion, a RI Divorce and Family Law Lawyer providing experienced Coaching is the answer.

Rhode Island Divorce and Family Law Coaching saves you money.  

It saves you time.  

It provides you with understanding and knowledge you wouldn't otherwise get elsewhere.  

It provides you with the experienced legal help you need, when you need it, at a price you can afford.

Don't go into any matter legally blind.  

Many times you can't afford to be without a lawyer because in the end it will cost you much more than a single coaching session because you've overlooked something or weren't told something crucial like Patrick's case.  

Don't be a victim.  It isn't necessary.  

At a cost of only $135 for a one hour family law coaching session with an experienced divorce and family law lawyer, it's something you can't afford to be without.

If Patrick hadn't canceled his appointment, he would have paid $135.  Instead, he paid over $2,000.


Authored By:

Christopher A. Pearsall, Attorney-at-Law

Rhode Island's Full-Time Divorce* Lawyer is Now
Rhode Island's Only Divorce and Family Law Coach
!!

Discover the Tremendous Benefits You Receive by 

Participating in Family Law Coaching Sessions!

Visit the RhodeIslandDivorceCoach.com

Call (401) 632-6976 Now
to
Schedule Your Low-Cost Rhode Island Divorce* or Family Law* Coaching Session!

Experience the Difference!

Copyright 2000 to Present.  Christopher A. Pearsall, Esquire
 Offering Rhode Island Rhode Island Divorce and Family Law Coaching for a New Millenium!

Note: If this article contains a case scenario with names, dates or amounts, any resemblance any connection to any person or situation now or previously existing is purely accidental, unintentional, and is merely a mistaken creation in the mind of the reader.

* The Rhode Island Supreme Court licenses all attorneys in the general practice of law.  The court does not license or certify any lawyer as an expert or specialist in any particular field of practice.

- - Recommended Websites - -

Pearsall.net | AttorneyPearsall.com | Rhode Island Divorce Tips | ChristopherPearsall.com | GuaranteedWealth.com | Rhode Island Divorce Attorney | Rhode Island Divorce Lawyer | ChrisPearsall.com | LegalScholar.com | Pearsall-Law-Associates.comRhode Island Divorce Attorneys | Rhode Island Divorce Lawyers | Rhode Island Divorce Coach  |  RI Divorce Coach | RI Divorce Lawyer on Twitter | Rhode Island Divorce Coach on Twitter | Rhode Island Divorce Lawyer on Facebook.com| Attorney Chris Pearsall at LawGuru.com | Rhode Island Family Law Lawyer - RI Consumer Tips

Question: 

If you are getting a divorce in Rhode Island, and you will be paying child support. Do you have to pay child support for a family plan for your ex wife and a child that is not yours. (and you have offered to have your children on your plan) 

*So 4 people on the plan

1 is the ex

1 is the daughter of her ex.

2 are your children.

the ex has refused to let you do this so that her plan is covered can she do this? Also, can she refuse to let you have ANY rates to have your children to see tehm if you are paying child support?

Answer:

Part of your question is somewhat confusing so I will try to be clear based upon what I believe you are asking.  You should be aware that paying for a health insurance plan is not child support. 

If you go to trial and the court orders you to pay for a family health insurance plan that covers your ex-spouse then it is most likely to be pursuant to the terms of the Rhode Island Insurance Continuation Act which prohibits the insurance carrier you are with from removing your ex-spouse from the health insurance plan simply because you are no longer married. 

There are exceptions but there is not enough time or space to address them here. However, unless you adopted your spouse's child, if that child is not your natural (i.e. biological child) then you have an obligation to notify your health insurance carrier about that child so the insurance carrier can determine if that child qualifies under your Family Health Plan. . . there is a good chance that the child may not qualify. 

If you do not notify the insurance carrier and you keep the child on if the insurance carrier had a right to know about her status due to your divorce, then you may well be guilty of criminal insurance fraud. If you have been providing the plan and paying for it on your own for your ex-spouse and your children during your marriage, then you may be ordered by the court to continue providing that coverage especially regarding your children. 

The court could require you to continue providing insurance coverage for your biological or legally adopted children could be indefinite. The health coverage for your ex-spouse may be limited to the terms under the Rhode Island Insurance Continuation Act and it's exceptions when coverage may be terminated by the Health Insurance Company. 

The last paragraph of your question is a bit jumbled and does not seem to fit with the rest of your question

You may wish to go to your local court's law library and look up the Rhode Island Insurance Continuation Act in the Rhode Island General Laws if this answer is in any way unclear. I hope you fount this helpful to the extent I was able to answer it as posed.


Authored By:

Christopher A. Pearsall, Attorney-at-Law

Rhode Island's Full-Time Divorce* Lawyer is Now
Rhode Island's Only Divorce and Family Law Coach
!!

Discover the Tremendous Benefits You Receive by 

Participating in Family Law Coaching Sessions!

Go to RhodeIslandDivorceCoach.com


Call (401) 632-6976 Now
to
Schedule Your Low-Cost Rhode Island Divorce* or Family Law* Coaching Session!

Copyright 2009.  Christopher A. Pearsall, Esquire
 Offering Divorce and Family Law Coaching for a New Millenium!

* The Rhode Island Supreme Court licenses all attorneys in the general practice of law.  There is no procedure for recognition of specialization in any area of law. 

- - Recommended Websites - -

Pearsall.net | AttorneyPearsall.com | Rhode Island Divorce Tips | ChristopherPearsall.com | GuaranteedWealth.com | Rhode Island Divorce Attorney | Rhode Island Divorce Lawyer | ChrisPearsall.com | LegalScholar.com | Pearsall-Law-Associates.comRhode Island Divorce Attorneys | Rhode Island Divorce Lawyers | Rhode Island Divorce Coach  |  RI Divorce Coach | RI Divorce Lawyer on Twitter | Rhode Island Divorce Coach on Twitter | Rhode Island Divorce Lawyer on Facebook.com | Rhode Island Home Buying Tips | 

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