Can I Get Disability Insurance In Kentucky If I'm Pregnant? 
Disability insurance policies typically have a 9 month to one year waiting period before they will cover pregnancy and childbirth . If you are considering having children , that is the time to sign up for the short-term disability . You may also want to consider a policy with a shorter elimination period . The elimination period is how long you must be out of work before the policy starts paying . Many policies have four weeks or longer elimination periods . The policy will only pay as long as the doctor says you need to be out of work , not how long your company allows you to be off work . The policy also only pays a portion of your salary , typically around 50 % to 60 % . If you dont get a disability policy through work , the next best option is often professional associations . You can also get an individual policy through an insurance agent . 