Kentucky Short Term Disability Insurance

Kentucky 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:

* Kentucky Temporary Disability – protects your income if hurt or sick
* KY Short Term Disability for Pregnancy – create maternity leave pay for normal delivery, and provide security in case of complications
* Kentucky State Disability  – covers long term disabilities lasting one year or more
* Kentucky Maternity Leave Laws - job protection benefits

Kentucky short term disability for pregnancy and maternity leave can relieve some of your stress.

• Create maternity leave income
• Spend more time bonding with your baby
• Worry less about paying your bills

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!  

Kentucky short term disability for maternity 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. Plus, at no additional cost you are also covered in case of:

• Pregnancy complications
• Postpartum disorders
• Illnesses not associated with pregnancy
• Accidents unrelated to pregnancy

If you are already pregnant and need insurance your options are limited.  You may qualify for government assistance, and can lower costs in a variety of ways.

Pregnancy and maternity leave benefits are payable only when coverage begins before conception. 

Growing families are often just starting out.  Expenses often exceed income during this life-stage.  For two income families a loss of mom or dad's income can be devastating.  Whether you commute to a job in Lexington, or Louisville, or across state lines the story is the same - no state disability, and limited family leave benefits.

Kentucky temporary 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 Kentucky short-term disability coverage.

Short term disability insurance in Kentucky 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.

Kentucky does not have state mandated short term disability insurance. There are only five states with such coverage.

Kentucky state disability insurance consists solely of Social Security Disability benefits.  Social Security pays only for total disability. No benefits are payable for partial disability or for short-term disability. 

If you are disabled and need help paying bills you should contact the Kentucky Disability Determination Services (DDS).  Kentucky DDS makes disability determinations on behalf of the commissioner of Social Security for residents of the state. 

Kentucky maternity leave laws consist of federal rules only.  Kentucky does not have state level laws pertaining to pregnancy and maternity leave as some other states do.  There are several federal laws that protect your rights and provide job protected leave. Unemployment insurance can be used during maternity leave, under very limited scenarios.