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      Over 37 million Americans are classified as disabled. More than 50% of those disabled are ages 18-64.1

      Short-Term Disability Insurance

      An employee’s income is often their most important financial asset. Aflac short-term disability insurance offers income replacement benefits to help with the loss of income due to a covered illness or injury.

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      No Medical Questions

      Guaranteed‐issue is available for select products, which means no underwriting questions.

      May not be available in all states

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      Aflac Value Rider

      Guaranteed Payout. Pays policyholders up to $1,000 every 5 consecutive years just for keeping the policy and rider.2

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      HSA-Compatible Options

      Offer a pre-tax saving account to supplement a variety of high deductible health plans.

      How it works3

      Individual is injured in a covered accident.

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      Individual is totally disabled and cannot work for 6 weeks.

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      Aflac Short-Term Disability coverage pays benefits directly to the policyholder.

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      Payable to: Policyholder

      $2,800

      No direct cost to employers,

      and affordable weekly rates as low as a movie ticket.4

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