Aflac review

Aflac fills a narrow gap: short-term disability cover bought through your workplace and paid straight to you. Aflac Short-Term Disability Insurance is only available through worksite payroll deduction, and depending on the plan it pays for several months up to a year. Some products come with guaranteed-issue options that ask no underwriting questions, though not in every state, and plans are guaranteed renewable up to age 75. The Aflac value rider pays up to $1,000 every five consecutive years just for keeping the policy and rider. Aflac's own example shows a six-week disability paying up to $2,800 in benefits. It ranks last because it covers short absences only, so it cannot replace income through a long illness, and because you need an employer that offers it. Aflac publishes no premiums on the page.

Who it is for

workers who want short-term cover with no medical questions

Price

See vendor pricing (USD check pending).

US price check pending. See the vendor pricing page.

Key features

• Benefits paid directly to the policyholder
• Guaranteed-issue options with no underwriting questions on select products
• Guaranteed renewable up to age 75
• Aflac value rider pays up to $1,000 every five consecutive years for keeping the policy
• Benefits for several months up to a year, depending on plan

Strengths and weaknesses

• Strength: No medical questions on guaranteed-issue options
• Strength: Value rider pays up to $1,000 every five years
• Strength: Cover stays renewable up to age 75
• Weakness: Only available through worksite payroll deduction
• Weakness: Short-term only: benefits last up to about a year
• Weakness: Guaranteed-issue options may not be available in all states

Key facts

• Sold through: Worksite payroll deduction
• Benefit length: Several months up to a year
• Renewable: Guaranteed up to age 75
• Value rider: Up to $1,000 every 5 years

Where it ranks

Aflac is No. 8 in our Best Disability Insurance Companies verdict.