Who Buys Disability Insurance? 
Along with private individuals , as mentioned above , business owners purchase DI as well . The benefit covers utilities , employee salaries , rent , etc. . Also , if a company relies on a specific employee , or if they 'd lose a substantial amount of income if one employee could no longer work , Key Person or Key Man Disability Insurance can be purchased . The benefit would be paid to the company to offset the cost of hiring another employee , or to help with revenue while the employee recovers . 