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However, we do offer these products on an individual basis:
To speak with a sales agent, please call:
(855) 910-9153.
Guaranteed‐issue is available for select products, which means no underwriting questions.
May not be available in all states
Guaranteed renewable plans up to age 75.
Pays policyholders up to $1,000 every 5 consecutive years just for keeping the policy and rider.2
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: You
$2,800
weekly rates as low as a movie ticket.4
The plans advertised herein offer supplemental insurance coverage and are not major medical insurance plans.
1Chances of Disability. Me, Disabled?, Council for Disability Awareness. Accessed August 8, 2017. http://www.disabilitycanhappen.org/chances_disability/disability_stats.asp.
2In Arkansas, Rider A57653. In Idaho, Rider A57653ID. In Oklahoma, Rider A57653. In Oregon, Rider A57653OR. In Texas, Rider A57653. In Virginia Rider A57653VA. Rider may not be available in all states. Limitations and exclusions may apply. Benefits are determined by state and plan level selected. Contact your agent for details.
3The above example is based on a scenario for Aflac Short‐Term Disability (domicile state) that includes the following benefit conditions: ages 18–49, employed full‐time at the time disability began, $2,000 monthly disability benefit amount, $40,000 annual salary, elimination period 0/7 days, 3 month benefit period, benefits based on policy premiums being paid with after‐tax dollars. Benefit periods, elimination periods, monthly disability benefit amounts may vary by state, benefit option, and level of coverage selected. Review your state‐specific brochure below for a “How It Works” scenario customized for your state.
SHORT-TERM DISABILITY - A57600 SERIES
In Arkansas, Policies A57600AR, A57600LBAR. In Idaho, Policy A57600IDR. In New York, Policy NY57600. In Oklahoma, Policies A57600OK, A57600LBOK. In Oregon, Policies A57600OR, A57600LBOR. In Pennsylvania, Policies A57600PA, A57600LBPA. In Texas, Policies A57600TX, A57600LBTX. In Virginia, Policies A57600VA, A57600LBVA. This is a brief product overview only. Coverage may not be available in all states. Benefits/premium rates may vary based on plan selected. Optional riders are available at an additional cost. The policy has limitations and exclusions that may affect benefits payable. Refer to the policy for complete details, limitations, and exclusions. For costs and complete details of the coverage, please contact your local Aflac agent.
Limitations and Exclusions for residents of Arizona:
Disability caused by a Pre-existing Condition or reinjuries to a Pre-existing Condition will not be covered unless it begins more than 12 months after the Effective Date of coverage. Aflac will not pay benefits for a Disability that is being treated outside the territorial limits of the United States. Aflac will not pay benefits whenever coverage provided by the policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void. Aflac will not pay benefits whenever fraud is committed in making a claim under this coverage or any prior claim under any other Aflac coverage for which you received benefits that were not lawfully due and that fraudulently induced payment. Aflac will not pay benefits for a Disability that is caused by or occurs as a result of any bacterial, viral, or micro-organism infection or infestation, or any condition resulting from insect, arachnid, or other arthropod bites or stings as a Disability due to an Injury; such disability will be covered to the same extent as a Disability due to Sickness.
Aflac will not pay benefits for a disability that is caused by or occurs as a result of your:
Benefits will be paid for only one Disability at a time, even if the Disability is caused by more than one Sickness, more than one Injury, or a Sickness and an Injury.
PRE-EXISTING CONDITION LIMITATIONS: A “Pre-existing Condition” is an illness, disease, infection, disorder, condition or injury for which, within the 12-month period before the Effective Date of coverage, medical advice, consultation, or treatment was recommended or received, or for which symptoms existed that would ordinarily cause a prudent person to seek diagnosis, care, or treatment. Disability caused by a Pre-existing Condition or reinjuries to a Pre-existing Condition, including deliveries for children conceived prior to the Effective Date of coverage, will not be covered unless it begins more than 12 months after the Effective Date of coverage.
Limitations and Exclusions for residents of Idaho:
Disability caused by a Pre-existing Condition will not be covered unless it begins more than 12 months after the Effective Date of coverage. Aflac will not pay benefits for a Disability that is being treated outside the territorial limits of the United States. Aflac will not pay benefits whenever fraud is committed in making a claim under this coverage or any prior claim under any other Aflac coverage for which you received benefits that were not lawfully due and that fraudulently induced payment.
Aflac will not pay benefits for a disability that is caused by or occurs as a result of your:
Benefits will be paid for only one Disability at a time, even if the Disability is caused by more than one Sickness, more than one Injury, or a Sickness and an Injury.
PRE-EXISTING CONDITION LIMITATIONS: A “Pre-existing Condition” is an illness, disease, infection, disorder, condition, or injury for which, within the six-month period before the Effective Date of coverage, medical advice, consultation, or treatment was recommended or received from a Physician. Disability caused by a Pre-existing Condition, including deliveries for children conceived prior to the Effective Date of coverage, will not be covered unless it begins more than 12 months after the Effective Date of coverage.
Limitations and Exclusions for residents of New Jersey:
Disability caused by a Pre-existing Condition or reinjuries to a Pre-existing Condition will not be covered unless it begins more than 12 months after the Effective Date of coverage. Aflac will not pay benefits for an illness, disease, infection, or disorder that is diagnosed or treated by a Physician within the first 30 days after the Effective Date of coverage, unless the resulting Disability begins more than 12 months after the Effective Date of coverage. Aflac will not pay benefits for a Disability that is being treated outside the territorial limits of the United States. Aflac will not pay benefits whenever coverage provided by the policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void. Aflac will not pay benefits whenever fraud is committed in making a claim under this coverage or any prior claim under any other Aflac coverage for which you received benefits that were not lawfully due and that fraudulently induced payment. Aflac will not pay benefits for a Disability that is caused by or occurs as a result of any bacterial, viral, or micro-organism infection or infestation, or any condition resulting from insect, arachnid, or other arthropod bites or stings as a Disability due to an Injury; such disability will be covered to the same extent as a Disability due to Sickness.
Aflac will not pay benefits for a disability that is caused by or occurs as a result of your:
Benefits will be paid for only one Disability at a time, even if the Disability is caused by more than one Sickness, more than one Injury, or a Sickness and an Injury.
PRE-EXISTING CONDITION LIMITATIONS: A “Pre-existing Condition” is an illness, disease, infection, disorder, pregnancy, or injury for which symptoms existed that would cause an ordinarily prudent person to seek diagnosis, care, or treatment within a one-year period preceding the Effective Date of coverage or a condition for which medical advice or treatment was recommended by a physician or received from a physician within a five-year period preceding the Effective Date of coverage. Disability caused by a Pre-existing Condition or reinjuries to a Pre-existing Condition will not be covered unless it begins more than 12 months after the Effective Date of coverage.
Limitations and Exclusions for residents of Virginia:
Disability caused by a Pre-existing Condition will not be covered unless it begins 12 months after the Effective Date of coverage. Aflac will not pay benefits for an illness, disease, infection, or disorder that is diagnosed or treated by a Physician within the first 30 days after the Effective Date of coverage, unless the resulting Disability begins more than 30 days after the Effective Date of coverage. Aflac will not pay benefits for a Disability that is being treated outside the territorial limits of the United States. Aflac will not pay benefits whenever coverage provided by the policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void. Aflac will not pay benefits whenever fraud is committed in making a claim under this coverage for which you received benefits that were not lawfully due and that fraudulently induced payment. Aflac will not pay benefits for a Disability that is caused by or occurs as a result of any bacterial, viral, or micro-organism infection or infestation, or any condition resulting from insect, arachnid, or other arthropod bites or stings as a Disability due to an Injury; such disability will be covered to the same extent as a Disability due to Sickness.
Aflac will not pay benefits for a disability that is caused by or occurs as a result of your:
Benefits will be paid for only one Disability at a time, even if the Disability is caused by more than one Sickness, more than one Injury, or a Sickness and an Injury.
PRE-EXISTING CONDITION LIMITATIONS: A “Pre-existing Condition” is an illness, disease, infection, disorder, or injury for which, within the 12-month period before the Effective Date of coverage, medical advice, consultation, or treatment was recommended or received, or for which symptoms existed that would ordinarily cause a prudent person to seek diagnosis, care, or treatment. Disability caused by a Pre-existing Condition will not be covered unless it begins 12 months after the Effective Date of coverage.
4Assumes the national average cost for a movie ticket is $8.17*. Comparison is based on the average weekly premium for Nebraska Payroll Premium rates for industry Class B; Aflac Short-Term Disability - Series A-57600; Annual income = $20,000; Age 18-49; Benefit Period = 3 months; Elimination Period Accident/Sickness - 0/7 DAYS. Premiums may vary by coverage type, account, state of issue, and the election of additional/optional benefits.
*Source: $5.00 - $20.00 National Average Cost for a movie ticket, Howmuchisit.org, 2017.
