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American Fidelity Disability Insurance Review


Rating: 7.3 / 10 (Very good)
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American Fidelity Assurance Company is an Oklahoma-based supplemental health insurance and financial services company, specializing in multiple industries, including education and healthcare. It offers group short and long-term disability plans, as well as a $50,000 Accidental Death and Dismemberment benefit. Founded in 1960, the company has 1,600 employees.

How is American Fidelity rated?

Breakdown

9/10
Policies & Coverage
10/10
Flexibility
9/10
Financial Strength
9/10
Reputation & Customer Experience

Overall Rating: 7.3 / 10 (Very good)

One of the few family-owned companies in the market, American Fidelity offers a wide variety of group disability insurance policies, with different elimination periods and benefit amounts to choose from. Its focus on certain industries (education, auto retail, healthcare, and the public sector, among others) gives it the ability to tailor its offerings to the customers it serves.

It also offers plenty of perks, like direct deposit, easy online claim filing, and phone coaching with legal advice. In cases where it believes the customer would qualify for Social Security benefits, it offers help with filing and, when necessary, with the appeal process. Its 58-year history, high financial ratings, and low complaint ratio make it a reliable choice for employees working in most industries.

American Fidelity Policies & Coverage

Policies & Coverage - 9 / 10

American Fidelity offers short- and long-term group disability insurance policies, which are customizable and have different elimination periods and benefit amounts. policies also include an accidental death benefit of $25,000.

Policy Types
Long-Term
Short-Term
Accident-Only
Group
Policy Features
Partial Disability
Workplace Modification Benefit
Survivor Benefit
Waiver of Premium
Elimination Period
7 Days, 14 Days, 30 Days, 90 Days, or 180 Days for LTD, 7 days or 14 days for STD
STD Maximum Monthly Benefit
$10,000 monthly
LTD Maximum Monthly Benefit
$10,000 monthly
Short-Term Benefit Period
1 month, 2 months, 3 months, 4 months, 5 months, 12 months or 24 months
Long-Term Benefit Period
60 months or Social Security Normal Retirement Age
Online Quote
Pre-Existing Conditions Exclusion
Exclusions & Limitations
This product is not available to employees who are eligible for Medicaid. See the following link for additional exclusions & limitations.

American Fidelity Flexibility

Flexibility - 9.5 / 10

American Fidelity offers customizable policies that include optional critical illness and hospital confinement indemnity insurance riders. It also provides a COBRA premium rider as well as an accident-only spousal rider.

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

• Accident Only Spousal Rider
• COBRA Premium Rider

American Fidelity Financial Strength

Financial Strength - 9 / 10

Since 1982, American Fidelity has earned an “A+” (Superior) financial rating from A.M. Best. It is listed on the 2017 list of Ward's 50© top performing life-health insurance companies, which recognizes 50 companies that have achieved outstanding financial results over the past 5 years. For 2017, it has a 0.30 marketshare and over $30 million in total premiums.
Company Type
Subsidiary/ Partner
Underwriter
Yes
Year Founded
1960
Market Share 2017
0.3%
Total Premiums 2017
$308,526,379.00
Standard & Poor's Financial Rating
NR
AM Best Financial Rating
A+

American Fidelity Reputation & Customer Experience

Reputation & Customer Experience - 9 / 10

American Fidelity has an extremely low complaint ratio with the National Association of Insurance Commissioners (NAIC) based on only four complains. It also has an A+ rating with the Better Business Bureau based on three negative reviews, all of which are unrelated to its group disability plans.
BBB Rating
A+
Number of BBB Positive Reviews
0
Number of BBB Negative Reviews
3
Date Collected
2018-03-19
NAIC Complaint Ratio 2017
0.12
NAIC Total Complaints 2017
4

Company Profile

Full Name
American Fidelity Disability Insurance
Company Website
Headquarters
9000 Cameron Parkway, Oklahoma City, OK, 73114
Mailing Address
9000 Cameron Parkway, Oklahoma City, OK, 73114

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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