Our Recovery Story and Researching Disability Insurance with Aflac


Couples Pic for Blog


I took this picture of my husband and I a few days ago. It’s a great picture of us, if I do say so myself, and we look so happy. You’d never know from looking at us, what a struggle this year has been.

If you’ve read my blog regularly you may have seen a few posts this year where I’ve talked about my husband being hospitalized. He was there for 7 days, including 2 days in the intensive care unit. He was initially admitted and treated for pancreatitis and low blood sodium, but was also treated for other ailments like gastritis and neuropathy.

It was definitely an overwhelming experience, and yet I was relieved that he was finally getting treatment and was starting to recover after months of being sick.  But what I didn’t realize was that the recovery period had only just begun.


At the time of my husband’s release from the hospital he doing so much better. (We’re talking a night and day difference!)  But he was extremely weak, and the sudden onset of neuropathy gave him periods of severe pain and numbness in his feet.  In short, he had very limited mobility and suddenly had to use a walker.  This continued for a few months after his release

In fact, he’s only recently just started to truly feel normal and get back to everyday activities, but he still has problems standing and walking for long periods of this, and this makes it difficult to work certain jobs and perform certain skills he once did.

Certain members of my family have mentioned that we should seek some kind of disability insurance for him, and I have to say, I certainly wish we had disability insurance months ago when he was first hospitalized.

I’ve been doing some research on supplemental insurance and the products Aflac has to offer.  Right now is the time when most companies, including Aflac are having open enrollment.  And yet, most people take very little to no time to really do some research on this important part of their lives! In fact 34% of employees spent less than 15 minutes researching their benefits in 2014, and for this reason, people often have inadequate coverage.

Aflac Logo

Aflac actually has a lot of great supplemental insurance policies that I’d love to have for my family:

  • Hospital Indemnity Insurance
  • Cancer Insurance
  • Critical Illness Insurance
  • Accident Insurance
  • Life Insurance
  • Disability Insurance

I’m specifically interested in looking more in to Disability Insurance, due to the situation my family has been in this year.

Many people mistakenly think that they can just apply for disability insurance through the Social Security Administration, but it’s actually becoming more and more difficult to get accepted into the program.  In fact, more than 59 percent of disability claims are denied by the Social Security Administration. And workman’s compensation will only cover on-the-job injuries and disabilities. Another alternative most people rely on is VA disability claims. While presumptive disorders are one of the easiest va disability to claim, these are not accessible to the general public.

I like the idea of Aflac’s Short-Term Disability insurance, because it pays you a percentage of your income if you are unable to work due to a covered illness or injury.

And the best part is that the benefits are paid directly to you (unless otherwise assigned by you).  And this means you can use the money for anything you need.  You can use it to pay things like deductibles for your medical expenses, pay your household bills, make car payments, buy groceries, and more!

This insurance product is definitely a great asset.  If you have some uncertainties about your health, then it’s definitely a good policy to consider.  And it’s especially an important product to have for safeguarding your loved ones during times of debilitating illness and injury.

Insurance Benefits

Check out the Aflac website to learn more about their Disability Insurance and other Benefits Packages, and see which products are best for you and your family.


I was selected for this opportunity as a member of Clever Girls and the content and opinions expressed here are all my own.


  1. I’m glad to hear he’s feeling better and life is returning to normal.

Speak Your Mind