Short-Term Disability Insurance
Provides benefits for a limited period of time if you are unable to work due to an injury or illness. The benefits can help you cover your living expenses and other costs while unable to work.
Aflac's Short-Term Disability Insurance is a way to help protect yourself and your family against the financial burden of a disability. It pays cash benefits directly to you, unless assigned, and you can use the money to help with everyday living expenses. STD provides two options: core benefit plan and optional accident rider.
Short-term disability insurance is a type of disability insurance that protects you from a loss of income. It’s typically paid by the employer and lasts for a specific period of time, such as three to six months. Short-term disability insurance can help you cover your basic expenses while you’re unable to work due to illness or injury.
Short-term disability insurance can be used in addition to Social Security Disability Income (SSDI) or Social Security Retirement Insurance (SSI). You don't have to wait until you qualify for SSDI or SSI benefits before applying for short-term disability benefits. If you qualify for these government programs, those funds will replace any short term payments from your employer.
Short-Term Disability Insurance can help you receive a cash benefit if you’re unable to work because of an injury or illness. You may be eligible for benefits if:
The core benefit plan offers a monthly benefit depending on your age. The optional accident rider offers a higher monthly benefit if you suffer an injury that results in a disability.
When choosing between the two plans, find out which option is best for you and your situation. Your local agent can help explain the differences and answer any questions you may have about either plan.
Under the core benefit plan, you may receive up to 60 weeks of payments while on disability and up to 90 days at half pay.
The optional accident rider provides additional benefits if you are involved in an accident.
The optional Accidental Death and Dismemberment (AD&D) rider provides additional benefits if you are involved in an accident.
To be eligible for these benefits:
Aflac’s agents are licensed professionals who will help customize a policy tailored specifically for you. Our agents can answer your questions, help find the right policy for your needs and guide you through the application process.
Give us a call. A licensed insurance professional will answer all your questions.