Aflac Short Term Disability Insurance

Aflac short term disability insurance is a supplemental coverage that provides individuals with money while they're unable to work. The amount received varies from one person to another, based on individual income. Most individuals receive almost as much as they normally would at their job. It is important to understand that any previous injuries that are again aggravated cannot be covered by this insurance. This coverage is for new injuries or short-term disabilities.

Individuals who enroll in the plan are able to choose from three different elimination periods, including 0/7, 0/14 and 7/14. The first number in each set represents the number of waiting days after an injury, while the second represents the number of days the individual must be sick before receiving pay. The optimal choice, of course, is 0/7. The longer the waiting periods are, the less expensive the premium is.

Aflac Short Term Disability Insurance Reviews

Another consideration with Aflac short term disability insurance is how long benefits will be paid. The maximum amount of time is three months, but each person's compensation period will vary, based on the seriousness and type of injury. In order to continue receiving funds, individuals must be under the care of a physician and unable to earn more than 80% of their regular income at work.

These plans must be purchased through an employer, but they can be retained after leaving that employer. Rates may be subject to change, based on current company policy. These policies are good for any individual who earns less than $5,000 per month at their job. Benefit reimbursement amounts depend on average salary, ranging between $500 and $5,000.

Aflac Short Term Disability Insurance Tips

Pregnant women who want to obtain Aflac short term disability insurance should be aware that the policy must be held for 10 months before childbirth is covered. The current pregnancy would not be covered, but future ones would. Women who plan to become pregnant should obtain the insurance well in advance. Aflac pays eight weeks of compensation for c-section births and six weeks for non-c-section.

This policy is generous in its compensation, especially in comparison with similar supplemental programs. It is important to read the policy provisions thoroughly before signing up. Aflac has been a trusted name in the insurance business for well over fifty years, so the company is trustworthy. Overall, Aflac short term disability insurance is a good investment for any worker who would not otherwise be able to pay their living expenses if temporarily disabled.