Who Receives The Benefits Of Disability Insurance? 
Individual disability insurance benefits are paid to insured worker listed on the policy . If a business takes out a key man disability insurance policy on an individual , those benefits would be paid to the company , not the employee who is injured . Also , with business overhead expense disability insurance , depending on the policy , the benefits could go toward a bank -LRB- if a loan was involved -RRB- or to the business owner -LRB- possibly a partner , if not the insured -RRB- . 