Kansas short-term disability insurance plans have various features and definitions.
Many growing families live check-to-check. There is the mortgage for the house, payments for a car, along with credit card bills, and so much more.
Do not assume that the state offers a program that replaces your income while you are unable to work. Learn how short term disability insurance works in Kansas before the need arises.
- Claims forms and policy applications
- Maternity leave and pregnancy bed rest
- Related Kansas laws and regulations
Short-Term Disability Benefits in Kansas
In Kansas, you may need to complete three different short-term disability insurance forms. They are claim forms, policy application forms, and employer account forms. We address them in the reverse order you need to complete them, as most site visitors arrive too late in the process.
Applying for Benefits
The state does not offer a program replacing income for temporary medical conditions, so you cannot apply for benefits without having a private policy in place first. If you are currently unable to work, purchasing new coverage will not work either. The programs do not pay for preexisting health conditions for twelve months.
Request a short-term loan to acquire the funding you need while not working, if you do not have coverage already in force. Repay the note monthly.
File a claim form for benefits if you are unable to work and earn an income, and you already have a policy in force that began before you became sick, hurt, or pregnant. Your doctor and employer must both sign the form.
Policy Application Forms
You must complete an application form in order to purchase a policy. A licensed agent will record answers to medical questions, and submit your application to the issuing company for underwriting review. You must be healthy enough to qualify.
Begin by requesting an online quote. Men and women past childbearing age can get what they need without involving their employer. Women planning to become pregnant in the future find that purchasing through their employer works best. If your employer does not offer a voluntary option, buying direct is a good alternative.
Employer Account Forms
Employers must complete new account forms if they wish to offer a voluntary option to their employees. This form must be in place by an employer in order for anyone to purchase policies covering normal childbirth. Only these plans create maternity leave income. Private plans obtained outside of employer groups do not.
Kansas Short-Term Disability Pregnancy
Many women in Kansas who are planning to start a family are expecting to take one or more unpaid parental leave from work. Some know this in advance and plan accordingly by banking sick days or putting money into savings.
Others learn the hard way that parental leave is most often unpaid. If a couple is stretching to make end meet before childbirth, wait until one income is lost.
Short-term disability insurance for maternity leave solves this problem. The benefit paid for normal childbirth makes the contract self-funding over three years, and may cover other medical events that prevent you from working. Forward thinking women purchase at work prior to starting a family.
When normal childbirth occurs nine months or more after the effective date, she receives cash payments to support her income while she recovers from childbirth. There is a six-week payment for a vaginal birth and an eight-week payment for C-section delivery. Quite often, these payments are more than what she pays in premiums over three years.
Pregnancy Bed Rest
Almost a third of women will experience complications while pregnant and/or after giving birth which translates into unplanned time away from the job. Again, if a couple has thin financial margins, or took on debt before getting pregnant, the lost income is a big problem.
Other illnesses and accidents can also strike at any time and cause a disruption in your paycheck.
Starting a policy too late is the number one benefits killer. Disabilities resulting from any preexisting condition will be covered only when they begin 12 months after the effective date.
The most important step for many women is to begin prior to conception.
Kansas Short-Term Disability Laws
Federal laws primarily regulate what happens in the Kansas workplace. There does not appear to be any state specific short-term disability laws addressing employee rights for when they are temporarily unable to work.
Workers Compensation is the primary state-based income replacement program. However, it only addresses on the job accidents and illnesses. Individuals must protect themselves from off the job losses.
Kansas laws do not require state temporary disability insurance. Employers do not have to provide the option. The state and employers do not automatically enroll employees. Each individual must take positive action.
The only state-based program in Kansas does not cover temporary medical conditions. The only benefits available are for permanent conditions: those lasting one year or more, or expected to result in death. The Department of Social and Rehabilitative Services administers the Social Security Disability program.
The definition of total disability is important. For worksite policies means you are unable to perform ALL of the material and substantial duties of your full-time occupation; you are unable to work at ANY job for which you are qualified because of education, training, or experience; and you are under the regular care of a doctor.
Features chosen at time of application determine benefits totals. The monthly benefits amount can reach as high as 66% of monthly gross income, capped at $6,500 per month. The elimination period describes how quickly payments begin. The payment duration describes how long payments endure if continuously unable to work for a covered medical reason.
State government employees in Kansas have two sets of entitlements. They can use accumulated sick days for an employee’s disability, childbirth, miscarriage, abortion, adoption of a child, and placement of a child in a foster home. Leave without pay is available for up to six months under similar circumstances.
- State Employees – Kansas Admin Regulations
- Social Security – KS Dept of Social Services
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