Missouri short-term disability benefits are available through private companies. Many growing families are strapped for cash while healthy.

There is the mortgage for the new house, a car note for the minivan needed to haul kids to daycare, along with extra expenses for clothing, baby furniture, and much more. A loss of income due to disability could prove devastating.

Find an explanation for how short-term disability insurance works in Missouri.

  • Application forms and benefit amounts
  • Qualifying conditions
  • Related Missouri laws

Application Forms

A policy application form must be completed in order to purchase a policy. An agent will assist in completing the paperwork: recording income, answers to medical questions, submission to the issuing company, etc.

Applying for short-term disability benefits after becoming disabled requires the completion of a claims form. Download the claims form from the issuing company’s website and follow the instructions on how to file your claim.

MO Short-Term Disability Benefits

MO does not offer state disability. Individual short-term disability policy benefits in Missouri can protect your income in case of accidents and illnesses that prevent you from working on your full-time occupation. You rely on your income to fund the mortgage, make car payments, etc. Wouldn’t it be sensible to insure your ability to make money?

If you were to become disabled this minute, would you have enough money tucked away to cover your daily expenses for a month? What about six months, or a year?

Benefit Amounts

Short-term disability insurance in Missouri can replace up to 2/3 of your income or $6,500 per month – whichever is less. Every carrier uses different amounts. The elimination period describes how quickly payments begin after becoming disabled. The payment duration describes how long payments last while continuously disabled.

Short-term disability quotes work for parents in the Show Me State. Quotes will show you what the premium costs might be depending upon the options you select: monthly amount, elimination period, and payment duration.

Qualifying Medical Conditions

Missouri short-term disability benefits cover accidents and illnesses that begin after the policy coverage effective date. Preexisting conditions are covered when the disability begins 12 months after the policy effective date.

Accidental injuries are qualifying medical conditions provided the injury is not self-inflicted, did not occur while committing a crime, or while intoxicated. Most illnesses are qualifying medical conditions provided they are not preexisting conditions.

Pregnancy Bed Rest

Short-term disability for pregnancy bed rest covers women in Missouri who need to stop working prior to delivery for a medical reason. Bed rest by itself is not a qualifying medical condition. A doctor needs to certify the medical reason for the bed rest disability.

Many women wait until after conception to purchase a policy. Coverage needs to begin prior to conception to qualify for benefits prior to delivery. There are additional considerations for the benefits paid for childbirth.

Maternity Leave

Missouri Short-term disability is commonly used during maternity leave while mom recovers from giving birth. Normal childbirth is a covered sickness when delivery occurs 9 months after the policy coverage effective date. There is a 6 week benefit paid for normal vaginal delivery, and an 8 week payment made for C-section birth – less the policy elimination period.

Policies covering normal childbirth at the most sought after policy type. Normal childbirth is often a planned event, and the benefit payments often exceed the premium costs. These policies have the most stringent criteria: they are only sold as employee benefit programs. Employees make the premium payments through a payroll deduction.

MO Short-Term Disability Laws

Missouri does not have any laws mandating state short-term disability benefits. People working in the state who need income protection from temporary disabilities need to purchase a private policy on their own. Employers are not required to offer coverage.

If you are disabled and expect the condition to last more than one year you may be eligible for Social Security Disability benefits. Contact the Disability Determination Services in MO. This department determines the eligibility of residents who have applied for benefits.

Missouri does not have state level laws pertaining to pregnancy and parental leave that extend or supplement the national regulations. There are several federal laws that protect your rights and provide unpaid job protected leave.

Service Areas

Short-term disability policies sold directly to individuals do not cover normal delivery: only complications of pregnancy. In order to get a policy that does we need to connect with your employer. Therefore we maintain a network of agents in your local area who can visit your employer’s headquarters and offices.

Licensed agents are located near many of the following areas in MO: Ballwin, Blue Springs, Cape Girardeau, Chesterfield, Columbia, Florissant, Independence, Jefferson City, Joplin, Kansas City, Lee’s Summit, O’Fallon, Springfield, St. Charles, St. Joseph, St. Louis, St. Peters, University City, and Wildwood.