Help protect your paycheck

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Short Term Disability Insurance

One of your most valuable assets is the ability to earn an income. Disability insurance may help protect your finances when you’re hurt and can’t work due to a covered injury, sickness or mental health condition.

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We insure the things we value most. Why not insure your income?

For many of us, a paycheck isn’t a luxury — it’s a necessity. We insure our home, car, health, teeth, even our pets. It’s time to think about insuring your income too.

Why Buy Disability Insurance?

If your paycheck stopped today due to an unexpected accident or sickness, would you be able to cover your bills? Learn how disability insurance may help safeguard your financial stability.

What are the benefits of disability insurance?

If you get hurt or sick and can’t work, your financial responsibilities and everyday expenses can quickly add up. That’s why we offer Short Term Disability Income insurance. It’s designed to provide you with a portion of your salary once you experience a covered injury or illness and have satisfied the elimination period.

Cash Benefit

Your benefit funds are paid directly to you, not a doctor or employer, and can be used to assist with everyday living expenses.

You’re in Control

You select the benefit amount and elimination period that suit your financial needs.

Accidental Death and Survivor Benefit Option

Accidental death and survivor benefits may help provide support in the unfortunate event of an unexpected loss, offering comfort and reassurance to your loved ones during this difficult time.

Emotional Wellness Benefits

APL’s benefits for mental illness, alcoholism and drug addiction may help provide you financial assistance if you’re facing a disability related to addiction or mental health.

Questions? We’re here to help!

Find answers to the most commonly asked questions.

If you prefer to talk, you can always call us at 800-256-8606.

How do I file a claim?

The fastest and easiest way to file your claim is through your Online Service Center account. Sign in or register your account for convenient automated claims submission

For wellness benefits under all plans: Click on “File a Wellness Claim” and follow the prompts to submit your wellness and screening benefit claim.

For all other benefits: Click on “Upload Files” then answer the prompts and attach the required documentation.

You may also submit your completed claim form and supporting documentation to us by fax at 877-365-9423 or mail to:

P.O. Box 248950
Oklahoma City, OK 73124-8950

Do I have to fill out a claim form?

For consideration of most benefits, you need to complete a claim form either by filing your claim online in the Online Service Center or a paper claim form.

We may also need a signed Authorization to request additional information from your doctor to assist us in reviewing your claim, which is included in the claim form to help expedite the process.

Save time by uploading your claim form and supporting documentation from your Online Service Center account, or submit forms by fax at 877-365-9423 or mail to:

P.O. Box 248950,
Oklahoma City, OK 73124-8950

When will I receive my bill?

If your premium isn’t set on automatic bank draft/payroll deduction through your employer, monthly bills are mailed by the 25th of the month, prior to the premium being due. If you haven’t received your bill by the 1st day of the following month after premium is due, please contact us by email or call 800-256-8606 to get copy of your bill. 

Short-Term Disability Income Insurance

Underwritten by American Public Life Insurance Company. This product has limitations, exclusions and waiting periods, all benefits may not be available in all states and does not replace Workers’ Compensation insurance. For complete benefits and other provisions, please refer to the policy/certificate/rider.

Other products listed may contain limitations, exclusions and waiting periods. See your specific policy for full coverage details. A hospital is not an institution, or part thereof, used as a place for rehabilitation, a place for rest or for the aged, a nursing or convalescent home, a long-term nursing unit or geriatrics ward, or an extended care facility for the care of convalescent, rehabilitative or ambulatory patients. All benefits may not be available in all states. Some products may not replace Workers’ Compensation Insurance and may be inappropriate for people who are eligible for Medicaid coverage.