Until now, there hasn’t been a way to ensure divorce settlement and child support payments continue if the person making those payments, “the Payor,” becomes totally disabled. While some people in white collar and professional/technical jobs may have disability income insurance through work or carry personal disability income insurance, it only insures a portion of their income, typically 40% to 60%. Many people don’t have any disability income coverage other than Social Security. So, if the Payor becomes disabled, it ranges from difficult to impossible to continue divorce settlement and child support payments to an ex-spouse, “the Recipient,” on top of paying his/her own bills. The Payor’s only option has been to file for a reduction in the obligation based on his/her current financial circumstances, which is costly and stressful for both the Payor and Recipient.