The definition is set in the policy, and it can differ from one insurer to another. Generally, the key person is totally disabled if an injury or illness stops them from doing the essential duties of their regular occupation, and they’re under a doctor’s regular care. We’ll explain the definition in your policy before you apply.
How is “total disability” defined in key person disability insurance?
Reviewed by Garrett Agencies Ltd., October 2026. How we write
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Protects the business if it loses someone whose skills, contacts or sales it depends on.
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