AFLAC short term disability (pregnancy)?

Question

I got the aflac short term disability policy back in october of 07 because the agent sold it as can be used for maternity. i am now pregnant and am due to deliver near the end of october of this year. Has anyone ever done this that can tell me the steps i need to go through to insure i get my money?

I was thinking of stopping work a couple weeks before my due date, but i'm wondering how this will affect my aflac because it comes out of my check monthly.

Any help would be appreciated!!

Thanks. :)

Answer 1

Call Aflac and get a claim form it may need to be filled out by your doctor and your employer.

Some policies have the premiums waived when out on disability.

Aflac can walk you through the process.

Answer 2

As an AFLAC agent, I can tell you the following:

Disability due to pregnancy and childbirth is payable to the same extent as a covered sickness. After the policy has been in force ten months, the maximum benefit period allowed for childbirth is six weeks for noncesarean delivery and eight weeks for cesarean delivery, less the elimination period, unless you furnish proof that you remain disabled beyond these time frames.

You can take off from work and collect your short-term disability benefits 10 months after you signed the policy. You are not required to pay any premiums, while you are on disability.

To obtain a claim form for your state, check out this athletic address:

http://www.aflac.com/us/en/policyholders...

If you have any further questions, contact your AFLAC agent or call 1-800-992-3522