Does anyone have an insurance company they would recommend for short-term disability? I have long-term through my work but they don't offer short term.

I am very interested in knowing this also... AFLAC as it was explained to me will pay a certain dollar amount depending on the injury. For example...a broken femur is worth X amount of dollars, a torn acl is worth X amount. I asked the AFLAC representive, "so basically its just like insuring body parts," she said "yes." This was under a privatly purchased policy, it may be different if it is employer provided. I hear its a good investment.

Aflac should have an income replacement policy, I have Combined insurance through my job, $1500 a month to me, they paid a surgical benefit, broken bone, MD visit, ER visit, physical therapy. Over 5 months I got about $8800 out of them.

use combined insurance also, always paid so far. Have heard that aflac won't pay if you where racing.

The AFLAC rep told me they would pay if not racing "pro." Definatly read the contract. I was told the "income replacement" was only available on employer paid policies. As an individual, just as I said ONE payment per injury.

AFLAC paid for my acl injury, I'm not a pro. I think it really depends on what your contract says.
Little Jeff