Frequently Asked Questions
Who Is Eligible for InsuredSupport?
InsuredSupport is an ALPGA group master policy, therefore you must be working with an ALPGA member attorney or divorce professional to be eligible for InsuredSupport insurance coverage.
If you are already represented by an ALPGA member you automatically qualify to apply for coverage.
If the attorney or professional you are working with is not a member of ALPGA, you can refer them to www.amlawpg.org and have them become a member online in less than 5 minutes.
If you are not currently represented by an attorney, or you are no longer working with the attorney who prepared your marital agreement, you can indicate that on the application form and we will refer you to an ALPGA member in your area. You can engage an ALPGA attorney remotely online or via teleconference, as the only requirement to receive the insurance is that an ALPGA member attorney must prepare and add the InsuredSupport addendum to your agreement and have both parties sign it. This can all be done electronically. You can also fill out the Find a Member form on this website.
What Type of Insurance Is InsuredSupport?
InsuredSupport is Contractual Liability Insurance for Marital Settlement Agreements. It pays child and spousal support directly to the Receiving Party when the Paying Party becomes involuntarily unemployed. Coverage provides up to 6 months of payments per unemployment event. This is private insurance. Payments never have to be repaid.
What Are the Paying Party Qualifications?
The Paying Party must have a Marital Settlement Agreement in a state where InsuredSupport is offered, with monthly support obligations between $400 and $9,000 per month. They must be a full-time W2 wage earner in a non-seasonal position. Self-employed individuals do not currently qualify.
Who Receives Claim Payments?
All claim payments are made directly to the Receiving Party. The Paying Party does not receive the funds. This ensures that support continues uninterrupted during periods of involuntary unemployment, protecting the financial stability of the family.
Can InsuredSupport Be Purchased If Already Divorced?
Yes, InsuredSupport can be added to both new and existing Marital Settlement Agreements. If you are already divorced and have an existing MSA with support obligations, and your attorney is an ALPGA member, you can simply ask them to prepare the Addendum.
If your attorney is not a member and does not elect to become a member of ALPGA, we can refer you to an ALPGA member in your area who will assist in the process so you can be covered. Our ALPGA member will prepare a simple one-page addendum to your agreement. You can continue working with your current attorney for all other matters.
If you are represented by an ALPGA divorce counselor for emotional, religious, educational, or financial support, then you can use your current attorney even if they are not a member of ALPGA. They can download the required form on this website under Resources.