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.
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.
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:
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.
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.
Don’t wait until it’s too late. Help cover yourself and your family with affordable coverage from Aflac.
We recommend assessing the following questions when seeking the right short-term disability plan for you:
Aflac Short-Term Disability insurance plans exist to help ease the financial stress of a covered disability, including covered injuries that may occur on or off-the-job. The plans are guaranteed renewable, meaning they can be kept for up to 75 years. See if this option is available through your employer or start the conversation with your company’s human resources department today.
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.
4 Assumes the national average cost for a movie ticket is $10.85.* 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.
* Statista.com - Average movie ticket price at AMC Theatres worldwide from 2014 to 2021 Published: Mar 11, 2022 https://www.statista.com/statistics/687699/amc-theatres-ticket-price/.
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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