Missouri Disability Insurance laws & HR compliance analysis

Missouri Disability Insurance: What you need to know

Disability insurance pays wage replacement benefits to employees who are not working due to non-job-related accidents or illnesses. (Workers' compensation covers job-related injuries.) It also provides coverage for employees who may not be eligible for workers' compensation, or it may supplement workers' compensation.
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A few states have laws that require employers to provide disability insurance, but Missouri is not among them. Missouri employers may provide such insurance, but they are not required to do so. State law may require specific provisions in a group disability policy sold by insurers in Missouri.
For additional information, visit the Missouri Department of Insurance's website at http://insurance.mo.gov.
Last reviewed on April 6, 2017.

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