Short Term Disability Insurance In Kentucky

Let’s say you have dealt with an arthritic knee over the past few years. With each passing year, the pain and joint inflexibility has slowly diminished your physical performance while at work. One day, the pain and stiffness reach the point when you have to get the ailment checked out.

Does short term disability insurance in Kentucky cover the treatment and rehabilitation of your arthritic knee?

Your mind is moving at a breakneck pace trying to cobble together the financial pieces that not only takes care of mounting medical bills, but also supports your family while you work hard to get back into top physical shape. However, recovering from a series of treatments, as well as an extensive rehabilitation program, can take months to unfold.

Instead, you should look into Kentucky disability insurance and other options for taking care of your financial obligations while you deal with an arthritic knee.

As of 2020, a handful of states have passed laws that make it mandatory for employers to provide disability insurance. However, Kentucky is one of the vast majority of states that does not require employer participation in a short term disability insurance program.

While employers in Kentucky have the option to offer disability insurance, many choose not to and save the costs. Employers are always out to save money and seek level funded health plans, for example, to do so. What this means is it's often up to you to purchase this insurance.

Without a mandate from the state for employers to provide short term disability insurance in Kentucky, what steps should you take to ensure you and your family receive maximum coverage?

What Is Short Term Disability Insurance?

If you suffer an injury or come down with an illness because of a non-employment-related incident or series of events, you might qualify for short-term disability insurance in Kentucky. The illness or injury has to keep you away from your job for a limited time.

The key term here is “Non-employment-related,” as Kentucky runs a workers’ compensation program that takes care of the financial issues resulting from an on the job accident or illness that leads to missed time from work.

For example, if you fall off a ladder at home and break your right arm, Kentucky short term disability insurance can cover most, if not all of the costs associated with missing work. On the other hand, falling off a ladder and breaking your right arm at work qualifies you to receive Kentucky workers’ compensation benefits.

Remember that short term disability plans are typically not a priority for employers that need to focus on offering health and life insurance policies for their workers.

Short term disability insurance comes in two forms:


Also referred to as a self-administered short term disability Kentucky plan, self-funded means an employer pays for the insurance.

Insurance Company

Employers that need a little financial assistance to bring a short term disability plan together work with insurance companies to offer this benefit.

What happens when you discover your employer does not offer short term disability insurance? You can buy an individual policy in the private marketplace. That's where we come into play to help you. You can expect to pay between one and three percent of your gross annual income. If you earn $40,000 per year, this means the annual cost for a short term disability insurance policy runs from $400 to $1,200 each year.

Why Is This Important to Have?

When you consider the financial implications of treating and rehabilitating a non-job-related illness or injury, the value of a safety net called short term disability Kentucky makes fiscal sense. Many workers in the Bluegrass State barely have enough money to pay for monthly living expenses like their mortgage and car payments.

Short term disability insurance can turn a financial train wreck that can lead to bankruptcy into a relatively easy to manage financial problem.

Here are some other reasons you might have to buy Kentucky short term disability insurance:

Your Employer Does Not Offer It

Five states require employers to fund short term liability insurance policies for their workers.

  • Hawaii

  • California

  • New York

  • Rhode Island

  • New Jersey

Kentucky workers have to determine whether the companies and the organizations they work for offer short term disability insurance policies. If your employer does not offer coverage, you should try to purchase an affordable program on your own.

Self-employed Professionals

Self-employed professionals do not have the luxury of having an employer provide the benefits that company-employed workers enjoy. In addition to having to fund their own retirement plans and health insurance policies, self-employed professionals also have to purchase individual short term disability insurance policies.

The Need for Gap Coverage

Workers that receive long-term disability insurance benefits take advantage of a wonderful financial life line. However, many long-term plans take some time to kick in, which means you have to find a way to keep disability insurance available during the gap period. A short term policy represents an excellent way to fill in the insurance gap.

Low Savings

If you decide to gamble on financing the costs associated with a short term illness or personal injury yourself, you better make sure you have thousands of dollars in savings to pay for the cost of medical care and daily living expenses. Ninety days does not seem like a long time, but the time that goes by includes three car payments, three mortgage payments, and 13 weekly grocery bills.

Kentucky disability insurance for short term coverage ensures you do not have to tap into your savings account or take a loan from a retirement plan.

Your Family Needs Financial Support

Even a disability that lasts around a month can significantly damage the financial standing of your family. Covering your family prevents the loss of income and rapidly rising medical bills from placing your family on the brink of filing for bankruptcy. Taking out a short term disability insurance policy gives you and everyone in your family peace of mind.

What Professions Benefit Most?

Short term disability insurance in Kentucky covers workers that incur an injury or contract an illness outside of work. So, why does it matter to define the professions that benefit from the safety net?

The answer is that although short term disability insurance does not cover work-related illnesses and injuries, the fact is some professionals work jobs that cause stress and fatigue on the body.

Stress and fatigue combine to lower the body’s immune systems, as well as lead to poor decision making outside of work.

Here are some professions, for example, where stress and fatigue contribute to outside of work illnesses and accidents:

  • Construction

  • Law enforcement

  • EMS

  • Healthcare

  • Courier

  • Automotive repair

  • Commercial fishing

  • Mining

Of course, there are thousands of other jobs not listed where short term disability insurance can add a bigger safety net around someone and their family.

How Do I Receive Short Term Disability in Kentucky?

This is where it's helpful to have an insurance agent to assist you along the way. We'll be able to answer all of your questions and go through the hoops to get your policy paid out to you.

After you have a plan, be sure to reach out to us start the claim process as soon as possible after losing income because of an illness or an injury.

And click this link if you're looking for Ohio disability insurance.

Other Details to Consider

Disability Determination Services (DDS) operating out of the Department for Income Support

represents the Kentucky agency that determines eligibility for disability insurance benefits. Using federal guidelines, the Kentucky DDS thoroughly reviews claims to determine whether a worker qualifies for disability insurance that is funded by three programs managed by the Social Security Administration (SSA).

Social Security Disability Insurance

Social Security Disability Insurance (SSDI) provides financial support for disabled American workers to cover the costs associated with living expenses, as well as mounting medical bills. The SSA refers to its Blue Book to determine whether an applicant meets the symptom guidelines established by the federal agency.

Supplemental Security Income

Supplemental Security Income (SSI) delivers financial assistance to adults and children that suffer from a qualifying disability and have met the non-monetary standards set by the SSA.


Medicaid does not cover the costs of living expenses, such as mortgage payments and money to buy essentials. The program covers the costs of healthcare for Americans that meet the financial requirements written into the safety net law.

Here is how the application process unfolds for all three federal financial assistance programs:

  • DDS acquired medical evidence filed by your physician, as well at the clinics and hospital where you spent time receiving treatment.

  • You might need to file employment information

  • DDS has the legal power to require you to undergo a no expense medical examination to confirm the medical evidence you submitted

  • Medical experts and disability litigators carefully review the evidence to determine your eligibility as defined by the rules set by the SSA

  • Lack of medical evidence leads to a denial of your claim, which you can appeal by working with a Kentucky licensed Social Security attorney


If you suffer from a serious injury or contracted a debilitating illness outside the workplace, you understand how rapidly mounting medical bills can trigger financial distress. Throw into the mix the inability to care of basic living expenses, and you have a financial avalanche that is about to cover your family in red ink. Fortunately, you can speak to a licensed insurance agent at Wilson Insurance Group to help you get covered with a short term disability Kentucky plan.

Fill out our contact form or give us a call at (513) 984-5991.

P.S. Wilson Insurance Group can also help you with Medicare benefits.