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Learn about individual policies.
For companies with fewer than three employees, please check out our individual and family coverage. Learn more.

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90% of disabilities aren’t work-related and therefore don’t qualify for Workers’ Compensation benefits.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 or injury.

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

Guaranteed Renewable

Guaranteed renewable plans up to age 75.

Claims Payment Satisfaction

Provide your employees with claims paid in an average of 4 days.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.



No direct cost to employers,

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