What Qualifies as a Short-Term Disability?

Simply put, a short-term disability is an instance that puts you out of work temporarily, such as an injury, illness or procedure.¹ When one of these incidents happens and you cannot earn an income, you may be able to qualify for benefits if you are enrolled in a short-term disability insurance plan ahead of time. That’s where Aflac comes in.

What is Short-Term Disability Insurance?

Short-term disability insurance is a plan specifically designed to help with the financial stressors that can arise when an injury negatively impacts your ability to work.

Aflac’s short-term disability insurance is only available through worksite payroll deduction, meaning your employer will need to offer it for you to be able to apply for Short-Term Disability insurance from Aflac.

Injuries, Illnesses and Conditions That Qualify as a Short-Term Disability

The fundamental qualification for a short-term disability is an event that temporarily puts you out of work. To see if you qualify for short-term disability insurance, it can be particularly beneficial to understand what commonly isn’t covered in these plans:

• If you lose your occupational license²
• If you are unable to work due to a war²
• If you get injured due to active participation in a riot or protest²
• If you inflicted the injury onto yourself²
• If you committed a crime and are in confinement²
• If you have a pre-existing condition³

Short-term disability qualifying conditions vary from company to company, so it’s essential to look at your options carefully.

We recommend chatting with an Aflac agent to understand our short-term disability insurance coverage better.

Benefits of Short-Term Disability Insurance

Short-term disability insurance offers a few different benefits compared to other insurance plans. At Aflac, you can select your plan depending on if you work full-time or part-time.

With Aflac Short-Term Disability Insurance, you may have the option to skip the medical exam, depending on your location and circumstances. We also offer affordable weekly premium rates, as low as the price of a movie ticket.⁴ Once coverage is obtained, and your covered disability claim is submitted, you can receive cash benefits that can be used as needed while you focus on healing.