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Importance of Disability Insurance to Secure Alimony and Child Support Payments

Posted by J. Benjamin Stevens | Nov 17, 2015 | 0 Comments

We've previously discussed how some Family Court cases result in the party paying support, whether it be child or spousal support, to carry life insurance. The goal of this is to ensure that the money continues to be paid to those who need it if the person responsible for the payments dies prematurely. Though this can be a prudent step, especially in cases where large sums are on the line or where the support is critical for the person receiving it, it may not provide sufficient protection in every case. After all, a person doesn't have to die to have his or her income go away.

Beyond requiring that a person maintain life insurance, the Family Court can also require a person be required to take out disability insurance to secure child support or alimony payments. of a deadly accident, but what about an accident that stops short of that horrible outcome, leading to a serious or permanent injury? In this case, the life insurance policy would be useless, while the disabling accident would have removed the ability of the person to earn an income.

This is where disability insurance can come in handy. Disability insurance exists for exactly what it sounds like – to replace a person's income in the event they become disabled and are unable to work. This money can be used to pay the person's normal bills, as well as those mandated by a court order, such as child support or alimony.

Experts point out that a person under 65 is more likely to become disabled than they are to die. Additionally, disability can be just as financially devastating as death, not only to the person making the payments but also to the person receiving them. That's why it may make sense to consider building this coverage into your agreement and/or court order. In cases of business executives, doctors, dentists, accountants, architects, attorneys, or other white-collar professionals where lots of money is on the line, disability insurance can provide peace of mind to both the payor and the payee, letting both rest assured that the court-ordered obligations will be fulfilled in the event of a terrible accident.

Source: “Divorce And Disability Insurance: A Marriage of Opportunity,” by, published

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J. Benjamin Stevens

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