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Aflac Disability Insurance Review

Rating: 7.5 / 10 (Very good)
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Aflac is one of the largest national health and life insurance companies and is the top provider of voluntary supplemental insurance plans, including accident, cancer, critical illness, and short-term group disability insurance. Founded in 1955, it is headquartered in Columbus, Georgia.

How is Aflac rated?


Policies & Coverage
Financial Strength
Reputation & Customer Experience

Overall Rating: 7.5 / 10 (Very good)

Aflac is a well-known insurance company; its duck mascot and television commercials have been around for years. Beyond its advertising exposure, it is the largest provider of voluntary supplemental insurance policies, offering group and individual insurance plans. It claims to provide financial protection to more than 50 million people worldwide and has been in operation for more than 60 years. It advertises a "One Day Pay" program and "guaranteed-issue" of insurance without medical underwriting (both available on some products). It is a well-respected company in the insurance industry and it's financial and BBB ratings reflect its stability and reputation; however, it only offers a group disability plan.

Aflac Policies & Coverage

Policies & Coverage - 9 / 10

Aflac offers a group short-term disability policy (total and partial) as well as individual accidental and cancer insurance plans. It's short-term group policy offers a guaranteed renewable feature (up to age 75) and multiple elimination periods (7 to 180 days). Exclusions and limitations include pre-existing conditions and one disability claim limit at a time. The website also offers a convenient online quote feature.
Policy Types
Policy Features
Partial Disability
Guaranteed Renewable
Waiver of Premium
Elimination Period
0/7,0/14, 7/7, 7/14, 14/14, 0/30, 30/30, 60/60, 90/90, 180/180 (injury/sickness)
STD Maximum Monthly Benefit
$500 to $6,000 per month, depending on income
Short-Term Benefit Period
Total disability: 3, 6, 12, 18, or 24 months; Partial disability: 3 months
Online Quote
Pre-Existing Conditions Exclusion
Exclusions & Limitations
In addition to pre-existing conditions, Aflac has specific exclusions and limitations associated with its short-term disability insurance policy. See Link to Source for more information.
Link to Source

Aflac Flexibility

Flexibility - 8.5 / 10

Under Aflac's short-term group disability policy, it offers a waiver of premium rider that is month to month, which waives premiums for both the policy and associated riders. Additionally, the company offers a hospital confinement indemnity rider which provides benefits that may not be covered by the policyholder's major medical insurance plan.

Available Policy Riders

Future Increase
Cost of Living Adjustment
Waiver of Premium
Residual Benefits
Own Occupation
Automatic Benefit Increase
Guaranteed Insurability
Return of Premium
Critical Illness
Hospital Confinement Indemnity
Supplemental Disability Income
Retroactive Injury
Accidental Medical Expense
Catastrophic Disability

Other Riders

Aflac offers an "Aflac Value Rider" which pays policyholders $1,000 every 5 years (up to five times) as long as the policy and rider remain active and paid in full. It also offers critical illness insurance.

Aflac Financial Strength

Financial Strength - 10 / 10

Aflac is one of the largest insurance companies in the United States and has $20.48 billion in equity with $4.34 billion in operating income. The company has strong financial ratings including an A- with Standards & Poor's, A3 with Moody's, and A- with AM Best. It had a 4.51% share of the market in 2017, which reflects its size.
Company Type
American Family Life Assurance Company of Columbus
Year Founded
Market Share 2017
Total Premiums 2017
Standard & Poor's Financial Rating
Moody's Financial Rating
AM Best Financial Rating

Aflac Reputation & Customer Experience

Reputation & Customer Experience - 10 / 10

For 17 years now, the company has made Fortune Magazine's World's Most Admired Company list (Insurance: Life and Health category), according to PRnewswire. Its BBB rating is A+ with only eight negative reviews, of which two were related to claims-processing (Aflac responded to both) and the others were related to customer service experiences. The NAIC reports a 0.21 complaint ratio, far below the national median of 1.00.
BBB Rating
Number of BBB Positive Reviews
Number of BBB Negative Reviews
Date Collected
NAIC Complaint Ratio 2017
NAIC Total Complaints 2017

Company Profile

Full Name
Aflac Disability Insurance
Company Website
1932 Wynnton Road, Columbus, GA, 31999

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Top Rated
7.8 / 10
  • Comprehensive group and individual short- and long-term disability insurance policies
  • Total and partial disability policies
  • A large selection of features and riders available on most plans
  • Accident-only disability and critical illness insurance also available