Tanith Belbin was born in Kingston, Ontario, and raised in Kirkland, Quebec. In 1998, she moved to the Detroit area in the United States and received an immigrant worker visa in 2000. Due to immigration rules at the time, she did not receive a green card until July 2002 and would not have been granted U.S. citizenship until 2007. An amendment was passed which allowed Belbin to be sworn in as an American citizen on December 31, 2005. The amendment was authored by Senator Carl Levin who stated, "This amendment corrects an anomaly in the law that unfairly disadvantaged some people who had begun their naturalization process before 2002. Tanith Belbin began her naturalization process in 2000, but due to changes that were made to the law in 2002, the process has taken significantly longer than it would have if she had filed her paperwork 2 years later."
Belbin lived and trained in Canton, Michigan, for many years, before moving to Aston, Pennsylvania. After 2010, Belbin decided to move back to Michigan to attend Eastern Michigan University and be closer to friends and family, including then-boyfriend Charlie White. Belbin and White became engaged in June 2014 and were married on April 25, 2015. In 2017, their son was born.
Her father, Charles Belbin, is a public relations manager, while her mother, Michelle (née McKinlay) Belbin, is a former figure skater (who trained in St. John's, Newfoundland under Rolf Adomeit), coach, and costume designer. Michelle made some of Tanith's costumes.

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