The loss of a key employee can be devastating to a company. The key employee is normally the individual that holds the personal relationship with the firm’s best clients and is the subject-matter expert. If the individual suffers a disablement the firm will likely struggle to keep their customers happy. Key Person Disability benefits are paid to the employer and the benefits can be used at the firm’s discretion. The firm might turn to a head hunter to replace the individual, pay the remaining staff overtime to cover the additional workload, or hire temporary staff to help with the basics.