Aflac Launches Enhanced Group Short-Term Disability Plan

           Aflac Launches Enhanced Group Short-Term Disability Plan

PR Newswire

COLUMBUS, Ga., June 26, 2013

COLUMBUS, Ga., June 26, 2013 /PRNewswire/ --Aflac, the No. 1 provider of
voluntary and guaranteed-renewable insurance in the United States, has
introduced an enhanced group short-term disability insurance product. Aflac
Group Disability Advantage provides benefits that help protect covered
employees from loss of income resulting from accident or illness.

The product's  guaranteed-issue coverage includes increased disability
benefits, optional benefits for pre-existing conditions, and optional limited
benefits for mental illness and alcoholism/drug addiction. Other product
highlights include:

  oIncreased income replacement coverage – The maximum benefit replaces up to
    60 percent of salary (or 40 percent in states with a state disability
  oIncreased maximum benefit – The total monthly benefit limit is raised to
  oLowered minimum-hours requirement – The minimum hours worked has been
    reduced to 19 hours per week for employees to qualify for coverage.
  oLowered minimum-income requirement – The minimum income has been reduced
    to $9,000 per year for employees to qualify for coverage.
  oWaiver of premium benefit –  After a covered individual has been totally
    disabled for 90 days, premiums are waived until the benefit period

Many workers underestimate the likelihood they will face short-term disability
that leaves them out of work with limited financial options. In fact, the
Social Security Administration estimates that more than 25 percent of today's
20-year-olds will be disabled before reaching age 67.^1 The Aflac Group
Disability Advantage plan provides income replacement and partial disability
benefits that can help offset loss of income and other costs resulting from
illness or injury.

"Short-term disability can result in lost workdays, additional transportation
needs, increased household expenses and more," said Aflac Executive Vice
President, Chief Marketing and Sales Officer, Michael Zuna. "The Aflac group
short-term disability plan helps protect covered workers who are facing the
loss of their most important asset: their ability to earn an income."

"Short-term disability expenses can quickly add up," Zuna continued.
"According to Aflac's Real Cost Calculator, even a moderate leg fracture could
cost an adult male up to $14,420 in medical and out-of-pocket expenses."^2

For more information about Aflac Group Disability Advantage and the financial
protection it helps provide, visit,
or follow @aflac on Twitter.

Underwritten by Continental American Insurance Company
A proud member of the Aflac family of insurers

^1 Social Security Administration, Basic Facts, April 4, 2012,
*Waiver of premium is not available for plans with a 3-month benefit period.

When a policyholder gets sick or hurt, Aflac pays cash benefits fast. For
nearly six decades, 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, in 2013,
FORTUNE magazine included Aflac on its list of Most Admired Companies for the
12th time, ranking the company number one in the life and health insurance
category. 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

Individual coverage is underwritten by American Family Life Assurance Company
of Columbus. Group coverage is underwritten by Continental American Insurance
Company (CAIC), a wholly-owned subsidiary of Aflac Incorporated. CAIC is not
licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin
Islands. For groups sitused in California, group coverage is underwritten by
Continental American Life Insurance Company. For individual coverage in New
York or coverage for groups sitused in New York, coverage is underwritten by
American Family Life Assurance Company of New York.

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


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