Aflac offers short-term disability insurance through employers at low rates. Some of the insurer's products are guaranteed issue, so there are no underwriting questions. An Aflac disability policy also renewable until the insured turns 75.
While premiums vary based on industry and pay, rates can be as low as $8.17 per week for an Aflac policy.
Aflac's disability coverage has a three month benefit period.
The insurance policy's elimination period, or time until benefits kick-in, is different for accident and illness.
In the event of an accident, the elimination period is zero days.
For illnesses, the elimination period is seven days.
Some of Aflac's short-term disability insurance offerings are guaranteed issue, so the underwriting process is simpler.
Aflac's policies are also renewable until age 75.
Customers can add the Aflac Value Rider to their short-term disability policy. The Aflac Value Rider pays the policyholder up to $1,000 every five years for maintaining insurance coverage with the policy and the rider.
Aflac only offers short-term disability insurance. Those interested in a long-term policy will have to find another disability insurance company.
Aflac accepts premium payments only via worksite payroll deduction. Consumers wanting to purchase Aflac insurance need to consult with their company's human resources team.
Aflac short-term disability insurance does not provide coverage for everything. In Arizona, Idaho, New Jersey, and Virginia, the following exclusions may apply:
Some exclusions vary by state.
Best Company has not received many Aflac disability insurance reviews. With so few reviews, conclusions on the customer experience are not available.