There is a very helpful article from inc.com that may be of value to help business owners who may not have thought about the issue of what happens when an employee becomes disabled.

If you own a business you don’t want to be put in that position.  By getting disability insurance for your employees or your key employees you shift the risk and the decision to the insurance company.

As the article states: “Most successful small business owners have some key, valued employees in what they consider their “business family” — people they’d have a hard time replacing. Here’s my question: What if one of these key people gets sick and misses work for months or even a year? How long will you go on paying them? At what point will you stop paying them? No one likes to think about this, but there has to be a point, doesn’t there?”

Let the insurance company be the one who makes the decisions and most importantly makes sure that income continues for the employees.