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Aflac Short-Term Disability Insurance
Here’s How Aflac Can Help
The financial obligations of not being able to work can be
overwhelming. Disability insurance plays an integral and important
role in your financial planning to help you keep your savings.
Aflac provides benefits for both total and partial disability. Even if
you’re able to work, partial disability benefits may be available to
help compensate for lost income.
Aflac does not coordinate benefits with other companies.
Regardless of any other disability insurance you may have,
including Social Security, we will pay you directly.
Disability due to pregnancy and childbirth is a payable covered
sickness. Disability benefits for childbirth will be payable only
after the plan has been in force for nine months. The maximum
period allowed for Disability due to childbirth is six weeks for
non-cesarean delivery and eight weeks for cesarean delivery, less
the Elimination Period, unless you furnish proof that your Disability
continues beyond these time frames due to complications of
pregnancy.
Why Aflac® Group Short-Term
Disability is Best for You
Aflac’s Group Short-Term Disability Insurance plan can help make
the dierence. It’s a source of monthly income you may need to
help take care of your bills while you take care of yourself. You
choose the plan that’s right for you based on your financial needs
and income. Aflac oers an option for a 3-month, 6-month and
12-month plan of guaranteed-issue, Group Short-Term Disability
coverage. That means no health questions are required for
coverages up to $4,000, with a maximum income replacement
of 60% of salary for nonoccupational injuries, for all actively at
work eligible employees. Aflac pays you a cash benefit for each
day you are disabled.
What is Short-Term Disability
Insurance?
Short-Term Disability Insurance pays out a percentage of your
salary if you become temporarily disabled. If you are unable
to work for a short period of time, due to illness or injury that
happens outside of work, benefits will be payable to help you.
Benefits oer money for expenses that may come up because of
medical treatment or ongoing living expenses. Coverage does not
replace core health insurance as it is a limited benefit.
Short-Term Disability benefits begin after you meet the definition
of disability and satisfy the waiting period. Benefit payments
can continue while you are disabled up to the maximum benefit
duration you select. Please refer to the Short-Term Disability
brochure for the full plan and exclusion details.
Benefits will be paid for only one disability at a time, even if the
disability is caused by more than one sickness, more than one
injury, or a sickness and an injury. Aflac reserves the right to
meet with the covered employee while a claim is pending, or
to use an independent consultant and physician’s statement to
determine whether the covered employee is qualified to receive
disability benefits.
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Aflac Short-Term Disability Insurance
Premium Rates (post-tax)
BIWEEKLY PREMIUM PER UNIT $100 OF MONTHLY BENEFIT
Age
7/7 EP†
3 Mo Period
7/7 EP
6 Mo Period
90/90 EP
12 Mo Period
18-49
$1.02
$1.26
$0.48
50-64
$1.02
$1.38
$0.66
65-74
$1.26
$1.74
$0.96
All benefits are subject to the Limitations and Exclusions, Preexisting Condition Limitations, and other policy terms.
† Elimination Period (EP): The period of time between the onset of a disability, and the time you are eligible for benefits.
Group Plan Benefits
COVERAGE OPTIONS CUSTOMIZE THE POLICY YOU NEED
Benefit Description
Monthly Benefit Payment
$300 to $6,000 (subject to income requirements)
Guarantee Issue Amounts Monthly benefit up to $4,000
Maximum Income Replacement
60% of the employee’s base annual pay
Partial Disability Benefit Period 3, 6, or 12 months
What's New for Plan Year 2021
Aflac Group Short-Term Disability coverage is now being
oered. The Individual Aflac Short-Term Disability policy that
was previously available will no longer be oered through payroll
deduction.
Guarantee Issue and You
• 3-month benefit duration with a 7/7-day elimination period;
• 6-month benefit duration with a 7/7-day elimination period; or
• 12-month benefit duration with a 90/90-day elimination period
• Guaranteed Issue up to $4,000 with no health questions
asked for all actively at work eligible employees.
What If I am Currently Enrolled in
the previous Individual Aflac Short-
Term Disability plan?
• If you are currently enrolled in an Individual Aflac Short-Term
Disability plan and you choose to enroll in this new Group
Short-Term Disability plan during Open Enrollment, with
premiums being paid through convenient payroll deduction,
no action is required to terminate your existing policy, it will
terminate on Dec. 31, 2020.
• If you elect not to enroll in the new Group Short-Term
Disability plan, you can choose to continue coverage under
your existing policy. However, as of Jan. 1, 2021, premiums
will no longer be payroll deducted and you will need to pay
premiums to Aflac directly to keep your coverage in force.
• For information regarding your current coverage or how
to pay premiums to Aflac directly, please use one of the
following convenient options:
• Online: Sign up for electronic payments by logging into
MyAflac.com by clicking on 'Direct Deposit' and following the
steps provided. It eliminates the hassle of receiving paper
bills and the cost of postage.
• By Phone: Contact an Aflac representative at 800.992.3522.
The members of a dedicated support team are ready to
answer your questions about coverage and accept your
premium payments over the phone, at no additional charge to
you. They’re available Monday through Friday, from 8 a.m. to
8 p.m. Eastern time.
When to File a Claim
The plan considers you disabled if, due to a covered sickness
or injury, you are unable to perform the material and substantial
duties of your Full-Time Job (see plan for details).
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Aflac Short-Term Disability Insurance
Limitations and Exclusions
If this coverage will replace any existing individual policy please
be aware that it may be in your best interest to maintain their
individual guaranteedrenewable policy.
We will not pay benefits for loss caused by Pre-Existing Conditions
(except as stated in the provision below).
We will not pay benefits whenever coverage provided by this
Policy is in violation of any U.S. economic or trade sanctions. If
the coverage violates U.S. economic or trade sanctions, such
coverage shall be null and void.
We will not pay benefits whenever fraud is committed in making a
claim under this coverage or any prior claim under any other Aflac
coverage for which you received benefits that were not lawfully
due and that fraudulently induced payment.
We will not pay benefits for a Disability that is caused by or occurs
as a result of:
1. Any act of war, declared or undeclared; insurrection;
rebellion; or act of participation in a riot. War does not
include acts of terrorism;
2. Actively serving in any of the armed forces, or units auxiliary
thereto, including the National Guard or Reserve;
3. An intentionally self-inflicted
4. A commission of a crime for which the Insured has been
convicted; we will not pay a benefit for any Period of
Disability during which the Insured is incarcerated;
5. Travel in, or jumping or descent from any aircraft, except
when a fare-paying passenger in a licensed passenger
aircraft;
6. Mental Illness as defined;
7. Alcoholism or drug addiction;
8. An Injury that arises from any employment;
9. Injury or Sickness that is covered by Worker’s
Compensation.
Pre-Existing Condition Limitation
Pre-existing Condition is an illness, disease, infection, disorder,
pregnancy, or injury that existed within the 12-month period before
the Eective Date.
For a condition to have been Pre-existing a Doctor must have
advised, diagnosed, or treated the covered employee, or
symptoms existed that would ordinarily cause a prudent person to
seek medical advice or treatment.
Treatment or Medical Treatment is the consultation, care, or
services provided by a Doctor. This includes receiving any
diagnostic measures and taking prescribed drugs and medicines.
We will not pay benefits for any Disability resulting from or
aected by a Pre-existing Condition if the Disability was
diagnosed within the 12-month period after the Eective Date.
We will not reduce or deny a claim for benefits for any Disability
due to a pre-existing condition that was diagnosed more than 12
months after the Eective Date.
Pregnancy Limitation
Within the first nine months of the Eective Date of coverage, we
will not pay benefits for a Disability that is caused by, or occurs
as a result of, your Pregnancy or childbirth. Disability due to
Complications of Pregnancy will be covered to the same extent as
a covered Sickness.
After this coverage has been in force for nine months from the
Eective Date of coverage, Disability benefits for childbirth will be
payable. The maximum Period of Disability allowed for Disability
due to childbirth is six weeks for noncesarean delivery and eight
weeks for cesarean delivery, less the Elimination Period, unless
you furnish proof that your Disability continues beyond these time
frames due to Complications of Pregnancy.
Terms You Need to Know
Actively at Work refers to your ability to perform your regular
employment duties for a full normal workday. You may perform
these activities either at your employer’s regular place of business
or at a location where you may be required to travel to perform
the regular duties of your employment.
Benefit Period is the maximum number of days after the
Elimination Period, if any, for which you can be paid benefits for
any period of disability. Each new Benefit Period is subject to a
new Elimination Period.
Complications of Pregnancy refers to:
Conditions requiring Medical Treatment that comes before or
comes after the termination of a pregnancy. The diagnoses for
this Medical Treatment must be distinct from pregnancy but either
adversely aected by pregnancy or caused by pregnancy. For a
condition to be a Complication of Pregnancy, it must constitute
a classifiably distinct pregnancy complication. Examples of such
Complications of Pregnancy are: 1. Acute nephritis; 2. Nephrosis;
3. Cardiac decompensation; 4. Missed abortion; 5. Disease of
the vascular, hemopoietic, nervous, or endocrine systems; and 6.
Similar medical and surgical conditions of comparable severity.
Further Complications of Pregnancy include:
1. Hyperemesis gravidarum and pre-eclampsia requiring
hospital confinement;
2. Ectopic pregnancy that is terminated; and
3. Spontaneous termination of pregnancy that occurs during
a period of gestation in which a viable birth is not possible.
Complications of Pregnancy do not include the following
conditions:
1. Multiple gestation pregnancy;
2. false labor;
3. occasional spotting; and
4. morning sickness.
Other similar conditions associated with the management
of a dicult pregnancy are not considered Complications of
Pregnancy. Cesarean deliveries are not considered Complications
of Pregnancy. Eective Date is the date shown on the Certificate
Schedule, provided you are actively at work, or if not, it is the date
you are actively at work as an eligible employee.
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Aflac Short-Term Disability Insurance
Elimination Period is the number of continuous days at the
beginning of your Period of Disability for which no benefits are
payable. Each new Benefit Period is subject to a new Elimination
Period.
Injury refers to a bodily injury not otherwise excluded that is
directly caused by a covered accident, is not caused by Sickness,
disease, bodily infirmity, or any other cause, and occurs while
coverage is in force.
Mental Illness is defined as a Total Disability resulting from
psychiatric or psychological conditions, regardless of cause.
Mental Illnesses and Emotional Disorders: includes but are not
limited to the followingbipolar
• bipolar aective disorder (manic-depressive syndrome),
• delusional (paranoid) disorders,
• psychotic disorders,
• somatoform disorders (psychosomatic illness),
• eating disorders,
• schizophrenia,
• anxiety disorders,
• depression,
• stress,
• post-partum depression,
• personality disorders, and
• adjustment disorders or other condition usually treated
by a mental health provider or other qualified provider
using psychotherapy, psychotropic drugs or other similar
modalities used in the treatment of the above conditions.
Partial Disability refers to your being under the care and
attendance of a Doctor due to a condition that causes your
inability to perform the material and substantial duties of your Full-
Time Job.
To qualify as Partial Disability: you are able to work at any job
earning less than 80 percent of the Annual Income of your Full-
Time Job at the time you became disabled.
Sickness refers to a covered illness, disease, infection, or any
other abnormal physical condition that is not caused by an
Injury, first manifested and first treated after the Eective Date of
coverage, and occurs while coverage is in force.
Termination Coverage will terminate on the earliest of:
• The date the master policy is terminated,
• The 31st day after the premium due date if the required
premium has not been paid,
• The date you cease to meet the definition of an employee
as defined in the master policy,
• The date you no longer belong to an eligible class,
• Reach the age of 75.
Total Disability refers to your being under the care and
attendance of a Doctor due to a condition that causes your
inability to perform the material and substantial duties of your Full-
Time Job.
To qualify as Total Disability:
• You may not be working at any job.
You and Your refers to an employee as defined in the Plan.
Continental American Insurance Company (CAIC), a proud member of the Aflac family
of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group
coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the
Virgin Islands. Continental American Insurance Company • Columbia, South Carolina. This
is a brief description of coverage and is not a contract. Read your certificate carefully for
exact terms and conditions.
