Short-Term Disability

AFLAC’s Short-Term Disability (STD) Insurance offers a monthly benefit to replace up to 60% of your gross income if you are disabled and can’t work due to a covered accident or covered sickness.

Maternity, psychiatric, and psychological conditions are included.*

  • You are paid regardless of any other insurance you may have with other insurance companies.
  • Benefits are paid directly to you (unless you specify otherwise).
  • You may choose the amount of your disability benefits to meet your needs (subject to income limits) — up to 60% of your gross monthly income up to $4,000 per month with Guaranteed Issue (no health questions). Higher monthly benefits are available up to $7,500 per month with additional underwriting.
  • You choose on/off-the-job or off-the-job only coverage.
  • You also may choose how soon benefits are paid and how long benefits will last.
  • You pay for coverage through convenient payroll deduction.
  • Your coverage is portable at ported rates.

For more information or to enroll, contact AFLAC at 678-886-9454 or visit

*Pre-existing condition limitations apply: a sickness or physical condition, whether diagnosed or not, for which the insured was treated, had medical testing, received medical advice, or had taken medication within 12 months before the coverage effective date. AFLAC will not pay for losses which are defined as a pre-existing condition within the first 12 months of the policy.