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If you're planning to grow your family, you may be thinking about how time away from work could affect your finances. Depending on your situation, you may want to explore options that can help provide financial support during periods when you're unable to work.
Short-term disability insurance may help provide a source of income if you're unable to work due to a covered sickness or injury. Coverage, eligibility, and benefit payments vary by policy, so it's important to understand how your plan works and what requirements may apply.
Aflac offers Short-Term Disability Insurance that may help provide financial support when a covered sickness or injury prevents you from working. In this article, we'll explain what short-term disability insurance is and how it works.
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Short-term disability insurance may provide benefits when a covered sickness or injury prevents you from working for a period of time. Coverage, benefit amounts, and duration vary by policy and are subject to applicable terms and conditions.
To receive benefits, you may need to satisfy policy requirements and provide supporting documentation. Eligibility for benefits and the amount payable will depend on the specific policy provisions.
Pregnancy-related claims may be eligible for benefits if the circumstances meet the policy's definition of a covered disability and all policy requirements are satisfied. In other cases, you may need to have coverage in place before pregnancy that does not fall within an elimination period during which you can't receive benefits.
Generally, you may receive short-term disability benefits if you can demonstrate that you're unable to work due to your pregnancy or after giving birth. If you are unable to perform the material duties of your job due to a covered condition, you may be required to provide documentation from your physician or other supporting medical information as part of the claims process.
You may be able to qualify for short-term disability benefits while pregnant if your condition meets the policy’s definition of disability. Become familiar with the benefits and the terms of your coverage, since every insurance plan is not the same. Here are some helpful tips to know before filing a claim:
Policies may vary in how they cover pregnancy. Some may not approve claims made within the first ten months of the policy’s effective date. Some may only approve claims if there are complications with the pregnancy or if, after giving birth, you are unable to perform your job functions consistently.
If you have group short-term disability through an employer, your HR team can help with your claim. Let them know as soon as possible if you plan to apply for short-term disability benefits. If you have individual insurance, contact your insurance provider early on to learn more about your coverage.
Your insurer will require detailed medical records to verify your claim and ensure it meets coverage requirements. Work with your doctor’s office to ensure your medical records are sent to your insurance company.
Each policy may have different requirements for when to submit a claim. Make sure you understand your policy and submit a claim before the deadline to receive benefits.
Short-term disability claims require underwriting and verification. Responding promptly to requests from your insurer can help with the application process.
Don't wait until it's too late. Help cover yourself and your family with coverage from Aflac.
Get StartedCoverage length for varies by policy. It could also be longer if your doctor is able to provide documentation that you require a longer recovery time.
Aflac short-term disability insurance can help provide financial support if you are unable to work due to a covered sickness or injury. Coverage may be available through your employer through payroll deduction. Reviewing your coverage options before they are needed can help you better understand how the policy works and whether it meets your needs. Chat with an Aflac agent about short-term disability insurance and get a quote today.
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Wondering if short-term disability covers mental health? Learn how short-term disability insurance works and whether you can use it for mental health illnesses.
Short-term disability insurance can help protect your income if you’re unable to work. Learn how short-term disability works and what it covers.
Wondering if short-term disability covers mental health? Learn how short-term disability insurance works and whether you can use it for mental health illnesses.
Short-term disability insurance can help protect your income if you’re unable to work. Learn how short-term disability works and what it covers.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent/producer.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Short-Term Disability, A57600 series: In Arkansas, Policies A57600AR & A57600LBAR. In Delaware, Policies A57600DE & A57600LB. In Idaho, Policy A57600IDR. In New York, Policy NY57600. In Oklahoma, Policies A57600OK &A57600LBOK. In Oregon, Policies A57600OR & A57600LBOR. In Pennsylvania, Policies A57600PAR &A57600LBPA. In Texas, Policies A57600TX &A57600LBTX. In Virginia, Policies A57600VA &A57600LBVA.
Coverage/plan levels may not be available in all states, including but not limited to NJ, NM, or VT. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions.
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