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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.

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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 condition1

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.3 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.

How to Find the Right Short-Term Disability Plan for You

We recommend assessing the following questions when seeking the right short-term disability plan for you:

  • How many months can you stay afloat financially if you experience a short-term disability? It’s important to find a short-term disability plan that complements your financial abilities.
  • What kind of monthly premium can you afford for a short-term disability insurance plan? Short-term disability prices typically depend on age, medical history, location, income and employment history.
  • How much income do you need monthly to support yourself and your loved ones? It is crucial to figure out each company’s maximum monthly cash payout and compare it to your financial needs.

Aflac Offers Short-Term Disability Insurance

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.

Still have questions?

Explore your short-term disability insurance options.

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