Aflac Enhances Short-term Disability Policy In California

          Aflac Enhances Short-term Disability Policy In California

PR Newswire

LOS ANGELES, Jan. 18, 2013

LOS ANGELES, Jan. 18, 2013 /PRNewswire/ --Aflac, the No. 1 provider of
voluntary and guaranteed-renewable insurance in the United States, announced
that it now offers an enhanced short-term disability insurance policy in the
state of California. The new supplemental insurance policy offers a
guaranteed-issue option and increased benefits.

New benefits features of the updated Aflac short-term disability plan in
California include:

  oIncreased Maximum Benefit — The maximum monthly benefit has been raised to
  oLowered Minimum Income Requirement — The minimum income requirement has
    been reduced to $9,000 a year.
  oLowered Minimum Hours Requirement — The minimum hours requirement has been
    reduced from 30 hours to 19 hours a week.
  oWaiver of Premium Benefit —  After 90 days of being disabled, the premium
    is waived until the benefit period expires.

Aflac's short-term disability product is designed to cover out-of-pocket
expenses resulting from an illness or accident which typically are not covered
under major medical insurance. For example, if an employee is out of work
because of coronary heart disease, he or she could face $75,000 in total
expenses according to the Milliman Research Report.^1 The employee would be
responsible for paying out-of-pocket expenses and everyday living costs not
covered by major medical insurance. The Aflac short-term disability policy
provides income replacement and partial disability benefits.

"Without a safety net in place, families could be hit with significant
out-of-pocket costs due to an unexpected injury or illness," said John
Harmeling, senior vice president of Worksite Marketing at Aflac. "From
mortgage and car payments to groceries and travel, these costs could mean
severe financial hardship for unprepared employees and their families. The
Aflac short-term disability plan can help protect employees and provide peace
of mind, and doesn't add to employers' benefits costs."

The enhanced California Aflac short-term disability plan comes at a time when
only 8 percent of Americans report that they are financially prepared for the
cost of an illness or injury that would keep them out of work according to the
2012 Aflac WorkForces Report.^2 Further, 62 percent of workers surveyed said
they did not think they were at risk for a serious accident or illness.

For more information, visit or follow @aflac on Twitter.

When a policyholder gets sick or hurt, Aflac pays cash benefits fast. For more
than 55 years, Aflac insurance policies have given policyholders the
opportunity to focus on recovery, not financial stress. In the United States,
Aflac is the number one provider of guaranteed-renewable insurance. In Japan,
Aflac is the number one life insurance company in terms of individual policies
in force. Aflac individual and group insurance products provide protection to
more than 50 million people worldwide. For six consecutive years, Aflac has
been recognized by Ethisphere magazine as one of the World's Most Ethical
Companies. In 2013, FORTUNE magazine recognized Aflac as one of the 100 Best
Companies to Work For in America for the 15th consecutive year. Also, FORTUNE
magazine included Aflac on its list of Most Admired Companies for the 11th
time in 2012. Aflac Incorporated is a Fortune 500 company listed on the New
York Stock Exchange under the symbol AFL. To find out more about Aflac, visit or

^1 Milliman Research Report, "Benefit Designs for High Cost Medical
accessed on October 24, 2012.

^2 2012 Aflac WorkForces Report, a study conducted by Research Now on behalf
of Aflac, January 24-February 23, 2012.


Media Contacts:
Kip Havel                 Cathleen Bleers
Aflac                      Hill & Knowlton
706.243.5543               312.255.3123


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