Security for your paycheck
It’s easy to take the ability to earn an income for granted. But what would happen if an illness or injury left you
temporarily unable to work? The odds of becoming disabled, at least for a short period, may be higher than you
think – and more fi nancially disruptive .
How can short-term disability insurance help?
The group short-term disability insurance available through your employer can replace some of your income if you’re
unable to work for a short time due to illness or injury, the birth of a child or pregnancy-related complications. Insuring your
income is a great way to help provide fi nancial security for you and your loved ones. Short-term disability benefi ts can help
you focus on getting better instead of on your fi nances.
What do I need to know about my benefi ts?
• To receive benefi ts, you must satisfy your company’s
eligibility requirements and meet the defi nition of disability
as outlined in your policy.
• There may be an elimination or waiting period between
the date you become disabled and stop working and the
date benefi ts begin. Sick leave or paid time off may be
available during that time to help provide you with income.
• Once the waiting period is over, a typical plan will provide
a portion of the income you earned before your disability,
up to a maximum weekly benefi t.
• The length of time you receive benefi ts depends upon
your policy.
What should I expect when I fi le a claim?
Your case manager will review information received from you, your employer and your medical providers. It’s
important to submit the required information as quickly as possible so a decision can be made on your claim. If
you are expecting a child or have surgery ahead, get a jump-start on your claim by submitting some information
in advance.
Disability insurance from Afl ac
Help protect your income from a
short-term disability
THE CLAIMS EXPERIENCE
INITIATE YOUR CLAIM
with one of these two methods:
CONTACT OUR CUSTOMER CARE CENTER
toll free at 800.206.8826 between 8 a.m.
and 8 p.m. ET, Monday through Friday.
LOG IN TO OUR PORTAL
at https://mygrouplifedisability.aflac.com. Once
logged in, select the Report a Leave button in My Cases.
Please use Google Chrome to ensure the best
online experience.
QUESTIONS
We will ask you
several questions
based on the type
of claim being
reported.
HELPFUL INFORMATION YOU SHOULD HAVE ON HAND WHEN
REPORTING A CLAIM
Illness/injury/surgery
Provider info, dates away from work,
diagnosis/condition
Pregnancy/childbirth
Estimated date of delivery, provider info, child’s
date of birth, dates away from work.
Behavioral health
Mental health treatment provider; inpatient
hospital info, if applicable; dates away from work.
Surgery
Provider info, dates away from work,
diagnosis/condition.
CASE NUMBER
Once intake is complete, you will
receive a case number. This number
will be referenced in the letter and
correspondence you receive for
future reference.
INTRODUCTORY CALL
Within two business days of reporting
your claim, a case manager will contact
you. The case manager will confirm the
info provided and ask any additional
questions needed to make an
initial decision.
WELCOME PACKET
We will mail a welcome packet that
includes: a letter summarizing your
benefits, next steps and applicable
forms. We will notify your employer by
email of your request.
Initiating a claim
Coverage is underwritten by Zurich American Life Insurance Company of New York and Zurich American Life Insurance of North America. In New York, the terms and conditions for the Group Short Term Disability
Income Insurance are set forth in policy form number 1000-ZAGP-DS-NY-01. The policies are issued by Zurich American Life Insurance Company of New York, a New York domestic life insurance company, located
at its registered home address of 150 Greenwich Street, Four World Trade Center, 54th Floor, New York, NY 10007-2366.
In all states other than New York, the terms and conditions for the Group Short Term Insurance are set forth in policy form number 1000-ZAGP-01-01 or applicable state variation. The policies are issued by Zurich
American Life Insurance Company, an Illinois domestic life insurance company, located at its registered home address of 1299 Zurich Way, Schaumburg, IL 60196.
The policies are subject to the laws of the state where they are issued. This material is a summary of the product features only. Please read the policy carefully for details. Certain coverages may not be available in
all states and policy provisions may vary by state. On March 19, 2020, Aflac, Inc. announced the agreement to acquire Zurich North America’s U.S. group benefits business (ZEB), which consists of group life, group
disability, and absence management products. Aflac Columbus and Aflac NY (Aflac) will reinsure, on an indemnity basis, Zurich’s U.S. in-force group life and disability policies. As of October 1, 2020, and subject to
customary closing conditions, Aflac will assume the administration of the aforementioned re-insured Zurich Employee Benefits policies and services.
WWHQ | 1932 Wynnton Road | Columbus, GA 31999. Aflac New York | 22 Corporate Woods Boulevard, Suite 2 | Albany, NY 12211.
AGC210074 EXP 1/22
How do I file a claim?
1. Claims may be led on our portal at mygrouplifedisability.aac.com
You may also visit the mobile-optimized site on your smart phone, tablet or computer to check the status of your
claim, upload documents and electronically sign forms, and access claims information. You can even sign up for live,
two-way text messaging with your case manager so you never miss an important voice mail or message.
2. Call toll free: 800.206.8826.
• 8 a.m.-8 p.m. ET, Monday-Friday.
• Our disability plans include the support of licensed masters-level social workers who are ready to assist when
you need help most.
