Information Covering Spousal Support

By Staff Writer

Spousal support can include more than the basics of child support help. When you're calculating child support, don't forget the extras that you are unconsciously counting on, or they may come up as subjects of disputes later on, after the divorce is finalized. For example, you may want to buy life insurance which will provide for your children while they are still dependent on you. In fact, in some states the family court judge will order the divorcing parents to have an active life insurance policy.

Your life insurance policy will require you to name a trustee to manage the policy proceeds in the event of your death until your children reach adulthood. The logical choice would be your ex-spouse; if you don't trust that individual, then be sure to specify a financially responsible adult. If you already have a life insurance policy, be sure to have your lawyer check to see if you need to re-designate your beneficiaries after the divorce. Some states require this.

Health Insurance--Part of Spousal Support
Spousal support in all states requires health insurance for the children. Most health insurance policies or HMOs do not include all expenses--there is a deductible--and may not include dental, orthodontics, or special needs. These expenses will have to be dealt in the divorce agreement, or you may find yourself in some nasty fights over them later.

You will want disability insurance, which provides a working parent with income if they are disabled and unable to hold down a job. This is a common requirement under child support law for the parent paying support. In some states, family divorce law considers the cost of a college education or technical training as part of child support. The judge can order the non-custodial parent to provide these expenses as part of the child support agreement.