What Is Key Person Disability Insurance? 
Traditional Key Man Disability Insurance is a form of Short Term Disability Insurance that is used to cover key -LRB- hard to replace , executives , top salespeople , etc -RRB- employees in a business . The business is the beneficiary . The income paid to the business when the key person is disabled helps the business to operate until the employee is back on their feet , or gives them the funds to find a replacement . 