What happens when you're recovering ... but your business income isn't?
As a business owner and/or key employee you can't afforded a prolonged absence from your business, in part you are the driving force behind your business, protect the integrity of your business with the inclusion of disability coverage.
Two brothers owned a business that is now dissolved due to one becoming disabled. Despite his disability (inability to work) expected to receive his full time compensation. With the weight of the corporation falling to the working brother a wedge developed and led to the dissolution of the business and ill feelings between the brothers.
A proactive approach would have been to consider and implement:
Protect the assets you work for.