"What can I do to legally continue monthly income to myself and a few select employees in the event of disability?"

Employers face three main problems when their employees are disabled:

  1. Loss of services can take their toll on the business;

  2. Paying salaries or wages to non-working disabled employees from company profits can result in a severe drain on cash flow; and

  3. If replacement workers are hired, the employer ends up paying twice to get the job done.

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