(Closed) Aflac

posted 8 years ago in Legal
Post # 3
7431 posts
Busy Beekeeper
  • Wedding: October 2009

Yeah we have it thru hubs work, but haven’t had to use it before.  Sorry, not much help

Post # 4
6009 posts
Bee Keeper
  • Wedding: May 2009

Well, AFLAC has a few different plans, but I’m not sure that it would work in your particular situation.  The commercials are typically advertising the “Short Term Disability” policy, which covers you if you are out of work for illness or non-job-related injury.  The problem with this plan, in your case, is that there is a minimum number of days your husband would have to be out of work before the plan kicks in (most of the employees at my office have 2 week periods before the policy kicks in).  So if your husband is just out a few days here, a few days there, he won’t be off work long enough to start collecting benefits.  Or, like what happened last month, he would be paid for one week out of the three he was off work.  The other thing to think about is that you have to pay into the policy for a certain amount of time (again, a lot have 6 month waiting periods) before you can file any claims.  So he won’t be able to collect anything until he meets that waiting period.

Has your husband talked to HR at his work about his illness?  If the restaurant is too small for an HR rep, maybe he can talk to his boss about it?  If he has a chronic condition that forces him to be out for certain periods of time, maybe they can work out some kind of compromise so that he will still be able to bring in a decent paycheck.

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