While the key person can’t work, the policy pays the business a monthly benefit for a set benefit period. The coverage itself usually ends when the key person stops working full time for the business, for a reason other than disability, or when it reaches the end date set in the policy. The policy sets out each of these terms, and we can explain them before you apply.
How long does key person disability insurance provide coverage?
Reviewed by Garrett Agencies Ltd., October 2026. How we write
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More about key person insurance
Protects the business if it loses someone whose skills, contacts or sales it depends on.
More questions about key person insurance
- Who qualifies as a “key person” in a business for key person insurance?
- What business risks does key person insurance help address?
- How long does key person life insurance provide coverage?
- How is “total disability” defined in key person disability insurance?
- How does key person disability insurance work?
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