How Does Aflac Disability Insurance Work? 
If you are an employee at a business that has offered Aflac to its employees through a section 125 cafeteria plan -LRB- a tax-advantaged funding method that allows a person to fund their premiums with a portion of their earnings before they obtain `` constructive reception '' of the money , thus lowering their adjusted gross income and avoiding FICA and FUTA taxes -RRB- . You are able to obtain short term disability with adjustable `` elimination periods '' -LRB- how long you wait before you start to get your disability payments -RRB- and payment periods -LRB- how long you get your short term disability for -RRB- . With Aflac STD you can even return to work and continue 100 % of your STD payments as long as you are making less then 80 % of what you were previously making . How much you recieve will depend on your earnings , due to the principal of unjust enrichment you are prevented from making a profit from your disability and thus can only suppliment your normal income up to a stated percentage-generally about 70-80 % . 