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How Long Do You Have to Pay Child Support in Ontario

Published: August 16, 2022

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How Long Do You Have to Pay Child Support in Ontario

Child support is an obligation of every parent.  Choosing to marry your child’s other parent is a personal choice, but you are required to provide financial support to your children regardless of your marital status.   Ontario law sets out Child Support Guidelines that provide a set of rules and charts to calculate the amount of support required to be paid by each parent.   

Overview of Child Support in Ontario

Child support is the amount of money one parent pays to the other to help cover the costs of raising the child.  The parent making the support payments to the other usually either earns more than the receiving parent or spends less time with the child naturally resulting in their spending less on the child’s day-to-day expenses.  Child support must be paid whether or not the child lives with the parent or even spends any time with them.  Both parents are responsible for financially supporting their children and the amount of that support is calculated using the Ontario Child Support Table Guidelines based on your income, the number of children involved as well as certain other determinative factors that include: 

  • Parenting arrangements: The amount of child support will be impacted based on how much time the children spend with each parent.  If the children spend more time in the care of one parent, the other parent’s child support payment will likely be higher and vice versa.  
  • Undue hardship: If a parent has extenuating circumstances that make it difficult for them to make their child support payments, this may be considered by a judge when making a child support order.  
  • Retroactive support: If a parent has historically underpaid or failed to pay child support, retroactive support payment may be ordered to make up for missed payments.  

Another consideration for child support is special/extraordinary expenses, including things like daycare costs, medical and dental premiums and uncovered health expenses, music lessons, and sports fees.  These expenses are shared by the parents proportionately to their incomes. 

It should be noted that a parent cannot be denied parenting time with their child for failure to pay child support, but at the same time, not having parenting with your child does not preclude you from having a child support obligation.  

How Long Does Child Support Last in Ontario?

Child support payments are made for dependent children – those under 18, or those who are over 18 who are unable to be independent either because of an illness or disability or because they are full-time students.  There is a common misconception that child support payments automatically cease when a child reaches the age of majority which, under the Age of Majority and Accountability Act, is 18 years old.  However, Ontario child support laws provide that child payments may continue past a child’s 18th birthday if that child remains a dependent child under parental control due to illness or disability or because they are full-time students.  

What is Termination by Agreement?

The Ontario court system has ultimate jurisdiction over child support payments and can always override the wishes of the parents if it is in the best interests of the child.  However, if there is no court objection, the parents can agree to stop child support payments at a certain point by including a provision to do so in either a separation agreement, cohabitation agreement, paternity agreement or family arbitration agreement.  After the agreed-upon date, the parent who was paying child support is no longer required to do so and all child support payments may cease. 

What is a Change of Circumstances?

If you still have minor/dependent children and you have not reached an agreed-upon child support termination date, you may still petition to stop or modify your child support obligations based on a material change in circumstances.  This may be a modification based purely on mathematics, which is the basis for the Ontario Child Support Guidelines.  The most significant factor used by the guidelines is the paying parent’s income.  Therefore, a change in the paying parent’s income due to job loss or a decline in health is a material change in circumstance that could call for the modification or cessation of payments.  It is also possible for the court to consider a more esoteric change in the needs and circumstances of the family as a whole and modify payments on that basis.  

Seek Assistance from a Family Lawyer in Toronto     

Child support calculations may seem straightforward, but the guidelines and Ontario law contain some nuance and it is best to obtain the support and advice of an experienced family lawyer when entering into a situation where child support payments will be made.  Contact the lawyers at Gelman & Associates to speak to qualified and compassionate lawyers who will make sure your needs and the needs of your family are met.                 

You should not assume that child support is not important and that you can just wing it. Seek legal assistance from the family lawyers at Gelman & Associates.

Written by Lisa Gelman

Senior Lawyer

Senior Lawyer Lisa Gelman has over 25 years of family law experience and founded Gelman & Associates to provide strategic legal counsel in family law matters concerning divorce, parenting, separation, and more.

Frequently Asked Questions - child support

The Federal Child Support Guidelines are in place to dictate a fair amount of child support, and generally courts are inclined to follow the guidelines strictly. The guidelines employ a mathematical formula taking into consideration the support paying parent’s annual income and the number of children and provide an amount. The general rule is that the guidelines should be adhered to.  There are a few circumstances, however, which permit a court to deviate from the Child Support Guidelines. Examples are as follows:

Where the person seeking child support is not a biological parent but rather one who stands in place of a parent. This means that a divorcing step parent could be ordered to pay child support to his or her step-children if that spouse stood in the place of a parent during the marriage. According to the Divorce Act, a spouse “stands in place of a parent” when his or her conduct manifests an intention of placing himself or herself in the situation ordinarily occupied by the biological parent by assuming the responsibility of providing for the child’s economic and parenting needs. Courts will look at a variety of factors before making this determination.

Where the child is over the provincial age of majority. This is determined by the laws of the province where the child ordinarily resides. If the child ordinarily resides outside of Canada, the age of majority is eighteen years of age.

Where the support paying parent earns an income of more than $150,000 . In cases where the paying spouse makes more than $150,000 per year, he or she will be ordered to pay the guideline amount for the first $150,000, and the court has discretion whether to impose a higher amount in child support due to the income earned in exess of $150,000.

In split custody arrangements whereby each parent has custody of one or more of the children. Where split custody exists, the amount of child support is determined by calculating the difference between the amount that each would otherwise pay if a child support order were sought against each of them. In situations where parents earn roughly the same income and each is responsible for the support of a child of the marriage, the court can decline to make any order for child support.

In shared custody or access arrangements where a child spends at least 40 percent of the year with each parent. If shared custody is established, then the court is permitted to deviate from the regular guidelines. Section 9 of the Federal Child Support Guidelines addresses this situation and provides that the court should consider the guidelines amount, in addition to the increased costs of shared custody, and the conditions, means, needs and other circumstances of each spouse and of the children. Section 9 promotes flexibility and fairness and leaves discretion with the judge to consider the circumstances.

Where undue hardship arises and the household income of the party asserting undue hardship does not exceed that of the other household . Simply showing it will be hard to make the payments won’t suffice; to meet this standard you must show that the hardship caused by the payments will by excessive, extreme, improper, unreasonable or unjustified.

For help navigating your child support obligations and/or entitlements, please contact your Toronto divorce lawyer.

Child support is calculated mechanically, considering the parents’ salaries and the children’s location. The amount of child support each parent is responsible for is usually calculated using their total gross income according to line 150 of the tax return, how many children are involved, and their domicile.

In cases involving child support, you must typically serve and file financial disclosure. Financial disclosure is providing facts about your finances to the opposing party and the court, including your income, spending, assets such as property and other valuables, as well as debts.

Yes, it may be possible for you to pay for child support directly to your child, but it’s worth noting that this only happens in rare cases. Usually, you’re obligated to pay it to the other parent.

If you’re facing child support issues, your lawyer might refer to the Federal and/or provincial or territorial guidelines to assess what rules would apply to your situation.

In Canada, you’re obliged to pay for child support until the dependent reaches the age of 18 or until the child becomes independent or feels that they have reached a sense of maturity.

There are three main factors to consider in computing child support in Ontario:

  1. The paying parent’s income;
  2. Province where the paying parent is residing;
  3. Number of children the paying parent is supporting;

In addition to the above, the amount of child support from the paying parent may be adjusted based on the parenting agreement. If the parents have a parenting agreement that provides that the child or children are with either parent at least 40% of the time, then both parents’ income may be considered.
Further, the Child Support Guideline in Ontario and the Child Support calculator must be consulted in determining the amount of child support that the paying parent must give.
It must be noted that in Canada there are no States. Instead, there are Provinces. The Province where the paying parent is located will be a determining factor on which table or guideline will be used. i.e. if the paying parent resides in Ontario, then the Child Support Table in Ontario will be used in determining the amount of child support; if the paying parent resides in a different province in Canada, then the Federal Child Support Guideline in the province where the paying parent ordinarily resides will be used in determining the amount of child support; etc.

Parenting arrangements affect child support. Under Section 9 of the Federal Child Support Guidelines:
“Where a spouse exercises a right of access to, or has physical custody of, a child for not less than 40 percent of the time over the course of a year, the amount of the child support order must be determined by taking into account:
(a) the amounts set out in the applicable tables for each of the spouses;
(b) the increased costs of shared custody arrangements; and
(c) the conditions, means, needs and other circumstances of each spouse and of any child for whom support is sought.”

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