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One in four of today’s 20-year-olds can expect to be out of work for at least a year because of a disabling condition before they reach the normal retirement age.1

Short-Term Disability Insurance

Your employees’ income is often their most important financial asset. Aflac short‐term disability insurance offers income replacement benefits to help with the loss of income due to a covered illness, injury or mental health condition.

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No Medical Questions

Guaranteed‐issue is available for select products, which means no underwriting questions for your employees.

May not be available in all states

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Guaranteed Renewable

Guaranteed renewable plans up to age 75.

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Aflac Value Rider

Guaranteed Payout. Pays policyholders up to $1,000 every 5 consecutive years just for keeping the policy and rider.2

How it works3

Individual is injured in a covered accident.

Individual is totally disabled and cannot work for 6 weeks.

Aflac Short-Term Disability coverage pays benefits directly to the policyholder.

Payable to: Policyholder


No direct cost to employers,

and affordable weekly rates as low as a movie ticket.4

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Offer Aflac to your employees

Companies choose to make Aflac policies available to increase benefits options without impacting their bottom line.