For people with short term disability cases, the duck will surely be of help with the Aflac short term disability insurance. This is especially helpful to people who work for their families when the time comes that they incur an accident that would cause disability or any condition that would prevent them from working.

Basically, short term disability refers to the situation where a person is temporarily unable to work due to a certain medical condition or out-of-work accident for at least fourteen days. When this occurs, then he or she is automatically considered to have a short term disability. Pregnancies are also included here. Insurance policies that aid this kind of condition are essential because the worker would not be able to generate income for his or her family.

There are a lot of benefits that the Aflac short term disability insurance has to offer. One notable feature is that the interested policyholder may be able to choose a premium that he or she can afford. The income requirements are also asked for so that the company may and the customer will be able to decide the appropriate kind of insurance coverage. This also goes for the value of the monthly aid that can be given. The time frame to receive all the benefits can also be decided by the user, as well as the set number of days before the start of the coverage. Optional riders, or payments that can be made to extend the coverage of the insurance, are also available if the policyholder wishes it.

One of the key points of this line of insurance policies by Aflac is the quick service and reimbursement. The company is very generous when it comes to reimbursement periods. Pregnancies and disabled people alike will be able to claim the disability benefits according to the agreed time period, as well as the amount according to the provisions of the policy. The company is also very organized in their benefits provision.

There are some notable negative points regarding the insurance policy and handling. One problem is that customer representatives would tend to refer phone calls many times before the right person to give the information is on the line. Another is the inaccurate processing of documents. There are usual typographical errors, and customers should be wise enough to recheck the information first to prevent long intervals of paperwork confirmation.

Overall, the Aflac short term disability insurance is a good investment for affected people; however the poor aspects should be properly tended.