Short-term disability insurance is a particular kind of insurance designed to protect a portion of your income for a short period of time, if a covered injury or illness briefly prevents you from earning a wage.1
How each short-term disability insurance plan and procedure works varies from company to company. At Aflac, you can access and apply for short-term disability insurance through your employer. Payments are deducted from your paycheck, and you may receive benefits for covered illnesses or injuries that occur on or off-the-job.
Aflac Short-Term Disability Insurance pays cash benefits for covered disabilities (subject to exclusions and limitations). Payments can be used as needed – to help with medical bills, recovery expenses or even to help you pay for rent or groceries. This may be particularly helpful if others depend on your income or if you have outstanding bills to pay.
The main qualifier for short-term disability coverage is if the incident temporarily puts you out of work. However, it can be useful to review circumstances that are not covered by short-term disability insurance:
We recognize that understanding the qualifications of each short-term disability insurance plan is important. In addition to reviewing the limitations and exclusions in each plan, it can be helpful to consider your budget for a short-term disability insurance plan and how long you are able to stay afloat without income.
The duration of coverage depends on how each short-term disability insurance plan works. At Aflac, we can help provide income relief for up to 24 months. If your injury or illness lasts longer than three months, you may want to consider a different kind of insurance that provides more long-term coverage. Luckily, you have many options with Aflac:
Don’t wait until it’s too late. Help cover yourself and your family with affordable coverage from Aflac.
The process for applying for short-term disability insurance coverage with Aflac is easy to understand.
If your employer does not currently offer short-term disability insurance, but you think it would benefit you and your coworkers, we recommend starting the conversation today. If you are an employer and don’t have this plan accessible, offering short-term disability coverage can be a great way to help your employees feel better protected.
Every short-term disability plan is different. The duration of coverage, the cash benefits offered, and the limitations and exclusions vary from company to company. We recommend exploring all your options before deciding.
Depending on your location and condition, Aflac offers guaranteed-issue options for short-term disability insurance, meaning you may be able to skip the medical exam and still receive coverage. Begin exploring your short-term disability coverage options today with our affordable and flexible insurance plans.
Explore your short-term disability insurance options.
1 & 3 Investopedia - The 4 Best Short-Term Disability Insurance of 2022. Updated Dec 18, 2021. Accessed Mar 14, 2022. https://www.investopedia.com/best-short-term-disability-insurance-5072040.
2 Verywell Health - Best Short-Term Disability Insurance of 2022. Updated Oct 4, 2021. Accessed Mar 14, 2022. https://www.verywellhealth.com/best-short-term-disability-insurance-5092516#toc-faqs.
This is a brief product overview only. Coverage may not be available in all states including but not limited to ID, NJ, NM, NY, or VA. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Policies and riders have limitations and exclusions that may affect benefits payable. For costs and complete details of the coverage, please contact your local Aflac agent. In Idaho, Policy A57600IDR. In Oklahoma, Policies A57600OK & A57600LBOK. In Virginia, Policies A57600VA & A57600LBVA.
Aflac insurance coverage is underwritten by Aflac. In New York, coverage underwritten by Aflac New York.
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