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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.
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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:2
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.
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedShort-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.
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.
Get Started
Short-term health insurance can give you temporary coverage. Learn how short-term health insurance works, how much it costs, and how to choose the right plan.
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.
Short-term health insurance can give you temporary coverage. Learn how short-term health insurance works, how much it costs, and how to choose the right plan.
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.
1 Rippling People Center Inc. - Short-term disability: How it works and qualifications. Published Nov 22, 2024. Accessed January 22, 2025. https://www.rippling.com/blog/how-does-short-term-disability-work.
2 Stratus HR - What Qualifies for Short Term Disability: How Does It Work and Who is Eligible? Updated March31, 2023. Accessed January 26, 2024. https://stratus.hr/resources/how-does-short-term-disability-work.
3 Assumes the national average cost for a movie ticket is $11.23.* 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 2014-2023 Published: March 1, 2024. Accessed January 22, 2025. https://www.statista.com/statistics/687699/amc-theatres-ticket-price/.
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.
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 Delaware, Policies A57600DE & A57600LB. In Idaho, Policy A57600IDR. In Oklahoma, Policies A57600OK & A57600LBOK. In Virginia, Policies A57600VA & A57600LBVA.
Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverages underwritten by American Family Life Assurance Company of New York.
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