Disability Insurance Observer: Key

One obvious lesson of the launch of the Patient Protection and Affordable Care Act (PPACA) public exchange system is, whether you love PPACA or hate it: Allow adequate time to test new websites!

Another, somewhat less obvious lesson is: Organizations doing anything interesting need key person insurance.

At least one state-based exchange executive director made headlines by announcing a need to take disability leave while the exchange website was going through a troubled launch.

Given how many hours the exchange organizers and exchange vendor employees are working to try to get exchange websites and administrative systems creak to life, it seems reasonable to think that there are plenty of other emergency exchange disability leave situations that never made the news.

One question is how many organization owners and top organization executives even know about the existence of such a thing as key person disability insurance, let alone the cost.