Can you have disability policy on an employee but have the check come to the employer if they need to collect disability?

Yes, an employer can take out a disability insurance policy on an employee, and in some cases, the benefits can be paid directly to the employer. This arrangement is often used to cover payroll costs during the employee's disability period. However, it’s important for both the employer and employee to understand the terms of the policy and the implications of such an arrangement, including any tax considerations.