Short-Term Disability Insurance

Aflac Short-Term Disability Insurance can replace a portion of your income if you can't work because of a serious illness or injury. In many cases, the policy will replace a percentage of your weekly or monthly income. You can then use the funds to cover anything you need, such as your rent or mortgage, utilities, groceries, credit card and loan payments, and childcare. With Short-Term Disability Insurance from Aflac, you can enjoy the peace of mind of knowing you'll be protected in the event of a serious health condition that prevents you from working and earning an income.

To determine the right amount of short-term disability insurance you should get, ask yourself how many months you can stay afloat financially if you face a short-term disability. Then, think about how much monthly income you need to support yourself and your loved ones. Factor in your bills, like your mortgage, loan payments, and groceries. Lastly, consider what premiums you can afford.

Many insurance companies will let you file a claim online on their website. You may also be able to submit a claim via a mobile app, phone, or traditional mail. Reach out to your insurer directly for specific details on the claims filing process.

Every short-term disability insurance plan has its own benefit period. While several months is typical, some plans offer benefits for as long as a year. If you'd like long-term coverage, you'll need to invest in a long-term disability plan.

The main differences between short-term disability insurance and long-term disability insurance are how long your coverage lasts and the types of conditions that apply. In general, short-term disability insurance covers several months to a year and temporary illnesses or injuries that prevent you from working.

Long-term disability insurance, on the other hand, can provide benefits for two years or longer and protects you against chronic conditions and extended illnesses or injuries that interfere with your ability to work.