Imagine this…   One day, you become disabled and you can’t go to work.  It could happen to you!   In fact  last year millions of families found themselves in this situation according to the Council for Disability Awareness.   In fact 80% of Americans who do not have short-term disability insurance will file bankruptcy after 90 days of no income.  How would you pay the mortgage?   Buy groceries?  Make your car payment?   And pay all the other bills that won’t go away just because your paycheck is gone?

Did you know 3 out of 10 Americans will enter the work force today and become disabled before retirement age?   Did you know that nearly 90%  of disabilities are not work related which means you will not qualify for worker’s compensation benefits?   Lastly 100 million Americans are not protected by private disability insurance!   That is where Aflac’s short-term disability insurance can make a difference.   The difference that means you will still have a source of income that will help take care of your bills while you are taking care of yourself.

Why Aflac short-term disability may be the best choice for you

  • We now offer the option of guaranteed issue, that means no medical questionnaire is required
  • The policy stays with you even if you change jobs
  • We pay you cash benefit for each day you are disabled
  • Aflac does not coordinate with any other benefit, including any other disability insurance or social security
  • Aflac provides benefits for both partial and total disability, even if you are able to work
  • Premiums may be waived when you have a prolonged disability

Coverage Options

  • Monthly benefit of $500-$6000(subject to income requirements)
  • Total disability benefit periods of 3, 6, 12, 18, 24 months
  • Partial disability benefit period of 3 months
  • Elimination periods (injury/sickness): 0/7, 0/14, 7/7, 7/14, 14/14, 0/30, 30/30, 60/60, 90/90, 180/180 days
  • Optional rider available for on-the job injuries

Don’t be a sitting duck.  Contact me today to schedule an appointment so I can help you improve the quality of your benefits to your employees.