Short-Term Disability Insurance

Short-term disability insurance replaces a percentage of your weekly or monthly income if you can’t work due to a covered illness or injury. Depending on your plan, you may receive benefits for several months up to a year. You can use these payments to help cover everyday expenses like rent or mortgage payments, utilities, groceries, childcare and other bills.

Aflac Short-Term Disability Insurance can offer peace of mind that you’ll have financial support if a serious illness or injury keeps you from working. This coverage can also help you focus on recovery after the fact, rather than worrying about your finances.

To determine the right amount of short-term disability insurance for your needs, ask yourself how many months you can stay afloat financially if you face a serious injury or illness. Next, estimate the monthly income you need to support yourself and your loved ones, factoring in your mortgage, loan payments, groceries, and other recurring expenses. Finally, choose a coverage amount that comes with a premium you’re comfortable paying.

Many insurance companies will let you file a claim on their website or mobile app. You may also be able to submit a claim over the phone or by mail. Reach out to your insurer directly for specific details on their claims filing process.

Every short-term disability insurance plan has its own benefit period. While several months are typical, some plans offer benefits for up to a year. If you want coverage that lasts longer, you may want to consider a long-term disability plan.

Short-term and long-term disability insurance differ in their benefit period and the types of conditions they cover.

• Short-term disability insurance provides benefits for several months to up to a year and covers temporary illnesses or injuries that prevent you from working.
• Long-term disability insurance provides benefits for two years or longer and covers chronic conditions or extended illnesses and injuries that affect your ability to work.

As an employer, offering short-term disability insurance can help you create a more supportive and resilient workplace. Income protection benefits show your employees that you care about their financial well-being. Providing this coverage can help you attract qualified candidates, improve employee retention, and boost overall morale.