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Workers’ Compensation Insurance in Kansas

Workers' Compensation Insurance in Kansas

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If your business has employees in the state of Kansas, you’ll need to make sure you adhere to Kansas’s Workers’ Compensation Insurance laws. Workers’ Compensation provides medical and financial benefits for employees who suffer work-related injuries or illnesses or for their survivors in the case of an employee death.

Who needs Workers’ Compensation Insurance in Kansas?

Kansas requires all employers with at least one employee to obtain Workers’ Compensation Insurance. In Kansas, an “employee” is generally defined as any individual who has entered into the employment of or works under any contract of service or apprenticeship with an employer and is not an independent contractor. 

The Kansas Workers’ Compensation Act (WCA) defines all of the requirements for Workers’ Comp in Kansas, and the Kansas Workers’ Compensation Division (WC Division) monitors, enforces, and administers the program. Ensuring your company is in compliance is critical, as there are serious penalties and fines for those who fail to abide by state regulations.

What employees are covered under Workers’ Compensation in Kansas?

Almost all workers are covered under Workers’ Compensation in Kansas. If you provide work or services for an employer, and you are not an independent contractor, you will likely be eligible for Workers’ Compensation Insurance.

The following are categories of employees that are eligible for Workers’ Comp coverage:

The following are categories of employees that are generally excluded from Workers’ Comp coverage:

What Workers’ Compensation benefits do employees receive?

Under Workers’ Compensation in Kansas, employers are required to provide the following benefits to employees who are injured in the course of employment:

Medical Benefits

Temporary Total Disability Benefits

Temporary Partial Disability Benefits

Permanent Partial Disability Benefits

Permanent Total Disability Benefits

Death Benefits

What are the penalties for breaking Kansas Workers’ Compensation laws?

Failure to adhere to the Workers’ Compensation laws set out by the WCA can result in significant fines and even imprisonment. In order to avoid any costly penalties, it’s important to consult the WCA or your insurer to ensure you are in compliance. Below are the major ways in which companies can be penalized:

Failure to Pay Compensation

Failure to Report Injuries

Failure to Maintain Coverage


How much does Workers’ Compensation Insurance cost in Kansas?

According to the National Academy of Social Insurance Workers’ Compensation Report (November 2020), the average employer cost for Workers’ Compensation in Kansas was $0.99 per $100 of covered wages. This figure is estimated across all insurers and all industries, so the cost to your particular business may vary.

How does the Workers’ Compensation claims process work in Kansas?

Injured employees should report their condition to employers as soon as possible, either orally or in writing. Employers must report work-related injuries to the WC Division within 28 days of learning of the injury. Employers must also provide written information to employees or or their dependents about the available benefits and claims process. Mediation is available at any time during the claims process. 

Kansas Workers’ Compensation Insurance Resources

For more information on Kansas Workers’ Compensation laws and requirements, please visit the following resources:

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