Support When You Need It Most

Aflac Short-Term Disability Insurance helps replace part of your income after a covered accident, so you can focus on recovery—not bills.

Note: This coverage is available only through worksite payroll deduction.

Plan Highlights

No Medical Questions
Guaranteed-issue options available for select products with no underwriting. (May not be available in all states.)

Aflac Value Rider
Policyholders may receive up to $1,000 every 5 consecutive years just for maintaining the policy and rider.

Guaranteed Renewable
Coverage is guaranteed renewable up to age 75.

How It Works

1. Trouble Strikes
You are injured in a covered accident.

2. You Miss Work
You’re totally disabled and unable to work for 6 weeks.

3. Aflac Pays Benefits
You receive direct payments from Aflac to help with expenses.

4. You’re Taken Care Of
Up to $2,800 is paid directly to you.

Frequently Asked Questions

Why should I get Short-Term Disability Insurance?
It can help replace your income if you’re unable to work due to illness or injury. You can use the money for rent, mortgage, bills, groceries, or childcare—whatever matters most to you.

How much Short-Term Disability Insurance do I need?
Consider your monthly expenses and how much of your income you’d need to cover them.

How can I file a claim?
Filing is simple. Aflac provides step-by-step instructions for submitting your claim quickly and easily.

How long will benefits be paid?
The benefit period depends on your policy. Check your plan details for the exact timeframe.

What’s the difference between short-term and long-term disability insurance?
Short-term plans cover you for a limited time (often weeks or months), while long-term disability insurance provides support for longer-term or permanent disabilities.