Money & Protection

Disability Insurance

Overview

If you can’t work due a non-work-related illness or injury, disability benefits replace part of your income.

You have 2 types of coverage:

Short-Term Disability
After 7 days
Long-Term DIsability
After 26 weeks of approved disability

How It Works

  1. 1

    AEO pays for your coverage

    AEO automatically enrolls you in Short-Term and Long-Term Disability coverage and pays 100% of the cost. AEO will automatically enroll you in a tax-free disability benefit. This means if you receive a disability payment, it will not be subject to federal, state or local taxes.

  2. 2

    Notify your supervisor

    You must notify your supervisor as soon as possible for a sudden, unplanned leave and at least 30 days before a planned leave.

  3. 3

    You file a claim when illness or injury prevents you from working

    After you notify your supervisor, contact Aflac at 844-440-1063 or mygrouplifedisability.aflac.com to start your disability claim.

  4. 4

    Aflac reviews and pays out approved claims

    Your benefit will be paid like your normal paycheck. Short-Term Disability benefits are paid weekly from Aflac. Long-Term Disability benefits are paid monthly.

Filing a Claim

Short-Term Disability

File your claim if you know you will need to be off work for more than 3 consecutive days. The first 7 days of your claim are considered a waiting period. You can use PTO to cover these days.

Long-Term Disability

If your illness or injury prevents you from working after your Short-Term Disability is exhausted, your claim will transition to Long-Term Disability. Long-Term Disability benefits continue until you are no longer disabled or you reach age 65.

Disability Benefits at a Glance

Short-Term Disability1Long-Term Disability1
Benefits beginAfter 7 days (on the 8th day of disability)After 26 weeks of approved disability
Plan pays275% of your pay, up to $3,692 per week50% of basic monthly earnings, up to $30,000 per month
Benefits continueUp to 26 weeksGenerally, until you reach age 65 or are no longer disabled
  1. Active-at-work provisions apply.
  2. Disability benefits may be offset by other state-paid leave programs. Please contact the AEO Benefits team for questions.

FAQs

What if I’m too sick to contact my supervisor or file my claim right away?

Reach out to your supervisor as soon as you are able. Then, contact Aflac at 844-440-1063 or mygrouplifedisability.aflac.com to start your disability claim.

Do Short-Term Disability benefits run concurrently with FMLA?

Yes, Short-Term Disability benefits run concurrently with Family Medical Leave Act (FMLA) and other state/local leave plans if applicable.

Learn MOre

mygrouplifedisability.aflac.com
844-440-1063

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