PghPaMom
recently joined
Reged: 04/17/13
Posts: 1
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My CS was last modified 2 years ago. At the time, I agreed to accept $150/month less than the recommended amount. I knew he was having personal & financial issues at the time and felt bad. I am hoping to be able to get that amount now.
My income has NOT changed at all. I have no idea what his income is, I believe it may have gone up. My health insurance premium has increased by $200/month. And one of the children is now driving age (not sure if the increased car insurance counts as an added expense or not)
Do I have to wait another year to have a review? Or is the belief that his income has changed enough to warrant it?
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Renny
addict
Reged: 09/24/11
Posts: 479
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The elapsed time depends on what state you are in. 2 years is common. But there must be a substantial and material change in circumstances, which can be your income, his income or the needs of the children. Again, depends on the state you are in. Subtantial means at least 15%, again depending on the state.
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Debi
Carpal \'Tunnel
Reged: 06/03/05
Posts: 7139
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If your state requires a 3 year wait for a review you may have to wait the year since you're only operating on a hunch. You may be able to request it based on the amount your monthly insurance has gone up, but keep in mind that they will only look at the difference in how much the kids has gone up, not altogether. I know my insurance as an employee alone has gone up quite a bit but the difference in family insurance to what it was 5 years ago is less of a percentage.
I doubt car insurance will be considered. Just because a child is of driving age doesn't mean they HAVE to get a license and unless the NCP has signed the paperwork along with the CP they shouldn't incur the increase. One parent shouldn't have to pay for the others unilateral decision. I have an 18yo who didn't get her license until this year and a 17 yo who doesn't have a license because I can't afford the increase at this time.
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When we were together, you said you'd die for me. Now, I think it's time you kept your promise.
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finz
Carpal \'Tunnel
Reged: 06/17/08
Posts: 6481
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Debi,
Glad I'm not the only one holding off on letting the kids get their licenses because of the added expense.
With my older son, we were also delayed because of difficulty scheduling his last few sessions with his driving instructor. Once we realized that he could still drive with us on his permit AND we were saving $1400 a year on insurance, we let it drag out until just before he left for college.
Now we are purposefully holding off with son #2 too. $1400 year x 1.5 years = $2100 x 2 kids = $4200
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MinnesotaMom
member
Reged: 01/05/11
Posts: 191
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I can relate. I have no tickets or claims, and when I added my daughter and an extra car, my insurance increased 500%. Then, when she had an accident that was 100% her fault, it doubled from there. As it is, I'm now paying 20% of my yearly income just for car insurance. It's frustrating to know that her mistakes could have me using public transportation down the line if she has one more accident.
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c_jane
Pooh-Bah
Reged: 04/06/07
Posts: 1759
Loc: In the Great State of Texas
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Luckily (??) when I added DS to my insurance (& only liability on the car) my insurance only went up about $175/month.
And I can easily afford it since I NO LONGER PAY CS!!!! HOORAYYYYY!!
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John Constantine: God's a kid with an ant farm.... He's not planning anything.
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