The Aflac Group Disability Advantage plan pays a monthly benefit when a covered member is disabled and unable to work due to injury or sickness. Benefit payments begin after the elimination period and continue through the end of your chosen disability period.
Plan Details
Benefit Amounts
$300 to $6,000
Coverage
Non-Occupational
Payment Method
Payroll Deducted
Maximum Income Replacement
60% of base annual pay
Pre-Existing Condition Exclusion
12/12
Waiting Period Options
0/7, 14/14, 30/30
Terms
3 months (not available on 30/30), 6 months, 12 months
Waiver of Premium
After 90 consecutive days of disability, premium is waived for the remainder of the benefit period.
Eligibility
Must work at least 19 hours/week with base annual pay of at least $9,000
Eligible Age
18–74 (plan terminates at age 75)
Pregnancy
Covered as any accident or sickness, subject to standard waiting period and selected coverage terms
Watch: How Short-Term Disability Works
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What’s Covered
Total Disability Benefit (including Pregnancy)
Pays the full monthly benefit when you are totally disabled and unable to work due to sickness or injury.
Partial Disability Benefit
Pays 50% of the monthly benefit when you’re partially disabled and return to work earning less than 80% of base income. Maximum 3-month benefit period.
Mental Illness Limited Benefit
Pays the monthly disability benefit when totally disabled due to a mental illness, up to 90 days per occurrence within a 12-month lifetime maximum.
Pre-Existing Conditions Benefit
During the first 12 months of coverage, pays 50% of the applicable monthly disability benefit for disability due to a pre-existing condition (including pregnancy).
Health Advocacy & Medical Bill Saver
A team of experts helps you and your family find specialists, clarify coverage, address claim issues, get second opinions, and negotiate medical bills. Call 855-423-8585.
MeMD Telemedicine
Reach a health provider day or night by phone, app, or online. Activate at MeMd.me/Aflac as soon as your Aflac coverage starts.
