Protect Your Business With Key Employee Disability Insurance

There are generally two types of key employee disability insurance:

1. **Short-Term Disability Insurance**: This covers a portion of the key employee’s salary for a limited period, typically up to six months. It’s ideal for businesses that need to quickly fill a temporary gap without long-term financial commitments.

2. **Long-Term Disability Insurance**: This provides coverage for extended periods, often until the employee can return to work or reaches retirement age. It's crucial for businesses heavily reliant on specific skills or expertise that are hard to replace.