Kansas Short Term Disability Insurance

Kansas short term disability insurance plans come with a variety of policy benefits. Your specific needs and life-stage drive the best place for you to look for coverage or apply for benefits. What you will find on this page:

• Short Term Disability in KS – protects your income if hurt or sick
  
• KS Temporary Disability for Pregnancy – create maternity leave pay for normal delivery 
  
• Kansas State Disability  – covers long term disabilities lasting one year or more
  
• Kansas Maternity Leave Laws - job protection benefits
  

If you are planning a pregnancy, you have a once-in-a-lifetime opportunity to buy income protection to cover a planned event: your normal maternity labor and delivery!  Kansas short term disability pays a six week benefit for your vaginal delivery, and an eight week benefit for your c-section birth. Your maternity leave benefit may greatly exceed the premium you pay.

25% of pregnancies will experience one or more complications.  You may miss weeks or months of work prior to your delivery.  Your temporary disability policy may continue to replace a portion of your income during this time and help you protect your family finances.

You may also experience some type of birth injury or postpartum complication that requires more time to heal than expected.  Your doctor may ask you to stay away from work in order to properly heal.  Your policy may continue to pay benefits during this time.

Many growing families in Kansas face high costs for housing, transporting, feeding and caring for their children.  Couples living in more urban areas such as Wichita, and suburban Kansas City may find the highest cost of living. 

Kansas short term disability insurance can protect your income in case of accidents and illnesses that may cause you to miss work.  You rely on your income to pay your mortgage, car payments, etc.  Wouldn't it make sense to insure the asset that helps pay these bills - your health and ability to earn an income?

If you were to become disabled tomorrow and couldn't work for two or three months, would you have enough savings to cover living expenses during that time? If not, you may want to consider Kansas short-term disability insurance.

Short term disability insurance in Kansas can replace up to 2/3 of your income or $5,000 per month - whichever is less.  Benefit periods range from 3 months to 24 months.  You can select from of range of elimination periods to help keep your premiums affordable.

Kansas does not have state mandated short term disability insurance. There are only five states with such coverage.  You have to purchase a private policy to get temporary disability benefits in Kansas.

Kansas state disability insurance consists solely of Social Security Disability benefits. If you are disabled and need help paying bills you should contact the Kansas Department of Social and Rehabilitative Services. This department administers Social Security Disability benefits.

Social Security pays only for total disability. No benefits are payable for partial disability or for short-term disability. Your disability must also last or be expected to last for at least one year or to result in death.

Kansas maternity leave laws are non-existent.  Kansas does not have state level laws pertaining to pregnancy and maternity leave as some other states do.   Unemployment insurance can be used to replace income during maternity leave, but only under specific sets of circumstances. 

There are several federal laws that protect your rights and provide job protected leave including:

• Family Medical Leave Act (FMLA)
  
• Pregnancy Discrimination Act
  
• Americans with Disabilities Act (ADA)