We have been with "Combined Insurance" for about 20 years  they have a very economical disability /sickness plan.  As others have posted the business stills make income if I am there or not.

It is the cost of having someone  doing the work while I can't

Watch out for the income policies  some have clauses  that limit the amount of  income.

1. They limit the income to x amount per month inlcuding the farms income If the farm income is to large then you dont get squatt from them
2. Some can increase your premium aftergiving you " so many days notice"
3. Some can cancel your policy at anytime
4. If it says it will cover you for 2 years then that is all it will do
5. Provide Scenarios of accidents and ask what it will pay out  Full disability and partial
6. Usually the pushier the salesman the more of a scam it is IMHO
7. READ THE FINE PRINT , dont be afraid to tell them to come back in a week after you have read the policy completle