1) insurance companies = some do include your own children until they are 13 yrs old. Others only include them until they are 6 yrs old as per the CCEYA. If your company is including your own children until they are 13yrs old I would change companies.

2) according to the CCEYA your 7 and 9 yr olds don't count in your numbers. You can have 4 daycare children (once you sort out your insurance). Your 2 yr old counts in your numbers until either attending kindergarten/grade one (school exemption) or on his/her 6th birthday.


School exemption

your child does NOT count:
- your child is attending a full day kindergarten or grade one program
- your child is in a publicly funded school
- your child is 3.5yr to 5 yrs old
- between the hours of 6:00am to 7:00pm Monday to Friday during the school yr (as of the first day of school to the last day of school)
- you only have 1 or 0 children under 2 yrs old in your care when your child is home

Your child WILL count:
- if you have 2 children under 2 in care when your child is home
- between the hours of 7:01pm to 5:59am Monday to Friday during the school months
- any time on Sat or Sun all year
- during the summer (as of the day after the first day of school to the day before the first day of school)
- your child is not in a publicly funded school
- if your insurance company doesn't allow this exception (so check with them)