What it can support
Income support during an eligible disability.
Through your employer
Short-Term Disability Insurance
When a covered illness or injury prevents work, short-term disability coverage can replace part of lost income during recovery.
Your coverage perspective
Make room for what matters.
When a covered illness or injury prevents work, short-term disability coverage can replace part of lost income during recovery.
Explore this sectionSee how the conversation unfolds.
An employee cannot work after a qualifying illness. Approved benefits could help meet recurring expenses while they recover. Illustration only; eligibility and payment duration depend on policy terms.
Explore this sectionA conversation built around you.
Share your priorities with HQINS. Ask about availability, policy details and the next steps for your situation.
Connect with HQINSThe essentials
Make room for
what matters.
When a covered illness or injury prevents work, short-term disability coverage can replace part of lost income during recovery.
How to access coverage: The individual Aflac product is available through worksite payroll deduction only.
How it can help
Payments that can help with groceries, housing and other bills.
Details that matter
Selected products offer guaranteed-issue enrollment options.
From coverage to everyday life
See how the conversation unfolds.
Recovery without a full paycheck
An employee cannot work after a qualifying illness. Approved benefits could help meet recurring expenses while they recover. Illustration only; eligibility and payment duration depend on policy terms.
Understand what must qualify.
Coverage replaces only part of income, subject to plan limits. The policy's disability definition and benefit period control eligibility.
Know what to ask before you apply.
Discuss your existing coverage, access route and priorities with HQINS. Ask for the applicable policy schedule and a state-specific quote. The individual Aflac product is available through worksite payroll deduction only.
Fictional educational example. It does not represent a customer, approved claim, guaranteed payment, premium, or personalized recommendation.
What to review
Clarity before commitment.
Coverage replaces only part of income, subject to plan limits.
The policy's disability definition and benefit period control eligibility.
Workplace access and underwriting options vary by state and product.
Ask for the exact policy or certificate, state-specific premium and effective date before making your decision.
The planning studio
Put your own numbers in perspective.
Explore an expense scenario. The result is a discussion starter, not an estimate of what this insurance would pay.
Adjust the sliders to explore your own scenario.
Your scenario
Resources compared with modeled needs
Illustration · your assumptions
Potential expense planning gap$4,000Available resources appliedRemaining gap
Illustrated total needs$8,000
Your available resources$4,000
Formula: medical costs + monthly bills × months − available savings, with a minimum of $0. Enter your own assumptions. This does not calculate insurance benefits or premiums. Educational only; not a quote, benefit estimate, or coverage recommendation.
Discuss these prioritiesKnow before you choose
Good questions. Clearer choices.
Is every absence covered?
No. An absence must meet the policy's disability requirements.
How long do payments last?
The selected plan sets the benefit period and conditions.
How much coverage should I explore?
Compare essential expenses, available savings, paid leave and current disability benefits.
Related coverage
Continue exploring.
Product and service references: Official Aflac source 1 ↗. Reviewed October 12, 2026. Confirm current policy documents with an advisor.
A conversation changes things
Let’s make your
next step a clear one.
Tell us what you want to protect. HQINS can help you explore Aflac coverage, understand the details, and discuss the options available to you.
HQINSHIGH QUALITY INSURANCE SOLUTIONSYour contact cardChino Hills, California
13925 City Center Drive, Suite 267Chino Hills, CA 91709View office address on Google Maps ↗Save HQINS to your contacts