• Best Of the Best 2014 - By the Readers of The Placer Herald
  • Best Of the Best 2015 - By the Readers of The Placer Herald
  • Placer Herald | Best Of the Best 2016 - Rocklin
  • By the readers of the Placer Herald | 2017 Best Of the Best


ROCKLIN: 916-780-0848 FOLSOM: 916-365-4941
Free ½ Hour Consultations

Main Navigation

Focused on reducing the emotional and financial toll to your family.

Offering divorce and family law options to fit
your needs, and focused on reducing the emotional
and financial toll to your family.

Disability insurance and child or spousal support

Many California residents rely on spousal or child support payments to make ends meet, and courts will often take steps designed to ensure their financial security. Courts may sometimes order that a life insurance policy be taken out by the party responsible for making support payments, but spouses receiving financial support may still be left vulnerable if the payor were to become permanently disabled.

Sometimes an employee receives disability insurance as part of their compensation package, but the benefits generally cover only a percentage of their income. Disability benefits paid by Social Security are also unlikely to match the income levels that a disabled individual previously enjoyed, and this can make it very difficult for them to keep up with their child or spousal support responsibilities. They could petition the court to have their obligations lowered, but this may cause great hardships for their former spouses or children.

Taking out a divorce disability insurance policy is a way to avoid this unfortunate situation. These policies ensure that the terms of a divorce decree are honored if the payor were to become disabled. While this type of insurance generally covers child and spousal support payments, items such as school tuition and medical insurance premiums my also be incorporated. The requirement to maintain this type of insurance is sometimes written into divorce settlements, but the documents generally require no modifications if the coverage is added at a later date.

Spouses are often eager to get through the divorce process as quickly as possible, but family law attorneys may point out that even situations that seem unlikely to occur should be considered and planned for. An attorney may recommend that life and disability insurance be included in a divorce settlement, and they could also scrutinize insurance documents to ensure that the coverage is adequate and that the beneficiary designations are in order.

No Comments

Leave a comment
Comment Information
Contra Costa County | Bar Association The State Bar of California Placer County Bar Association Collaborative practice california IACP Certified Family Law Mediator
Miller & Associates, Attorneys LLP

Miller & Associates, Attorneys LLP
6542 Lonetree Boulevard
Rocklin, CA 95765

Phone: 916-780-0848 
Fax: 916-780-0787

Miller & Associates, Attorneys LLP
850 Iron Point Road, Suite 113A
Folsom, CA 95630

Phone: 916-365-4941 
Fax: 916-780-0787

Follow Us On

Facebook Twitter

Our Office Directions

Rocklin Law Office Map Folsom Law Office Map

Privacy Policy | Business Development Solutions by FindLaw, part of Thomson Reuters.